1. Your privacy matters to us
The privacy of our customers is of the utmost importance to us and this Privacy Policy sets out how we manage your personal and sensitive information at Hannover Life Re of Australasia Ltd (HLRA).
We may review, update or change our Privacy Policy from time to time, however a current version of our Privacy Policy will always be made available on our website to view. If any changes are made to our Privacy Policy, these changes will take effect immediately so you can rest assured that your privacy matters to us. We may take additional steps to inform you of any material changes to our Privacy Policy.
The most current version of the Privacy Policy is available here for:
- Australia (click here)
- New Zealand (click here)
2. Types of personal information we collect, hold, use and disclose
The types of personal information we collect, hold, use and disclose will vary depending on your relationship with us and the products and services we provide you. The information may include any of or a combination of the following:
- Name, address(es), telephone number(s) and other contact details
- Date of birth
- Gender
- Health
- Medical information
- Lifestyle
- Past times
- Family history
- Financial information (including your tax file number)
- Superannuation
- Occupation
- Employment history (including salary)
- Residence
In some cases, we may collect information that is sensitive in nature. In those cases, we will ask for your express consent before collecting and holding this information and explain to you why we require this information.
3. Why we collect and hold personal information
Generally, the reasons we collect and hold your information is to enable us to easily identify you as a customer and find ways to administer our services to you efficiently and fairly to you. These services may include any of or a combination of:
- Assessing your application for life insurance
- Assisting you with your enquiries about your insurance policy
- Assisting you in making a complaint
- Assessing your job application with us
In addition to the above, there may also be legal reasons for collecting and holding your personal information which we will need to comply.
4. How we hold and protect your personal information
We hold and protect your personal information in a variety of ways. We use all reasonable precautions to protect personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure.
These precautions include:
- Physically securing our premises
- Securely backing-up data
- Ensuring any third-party provider or reinsurer takes reasonable precautions to protect your personal information
- Maintaining computer and network security, such as user identifiers and passwords, to control access to computer systems
- Taking reasonable steps to destroy or de-identify personal information that we no longer require that information for the purposes for which it was collected or for any secondary purpose permitted under applicable law
5. When we will share and disclose your personal information
Generally, only certain employees of HLRA have access to your personal information in order to provide a service to you. In some cases, we may provide your personal information to our agents, contractors or partners of, or in connection with, the supply of products and services to you mentioned above.
At times, we may be required to disclose your personal information if we are required (or permitted) by law. We may also disclose your personal information if you have expressly provided consent to disclose your information, or your consent could be reasonable inferred from the circumstances.
6. Overseas disclosure of your personal information
We may disclose your personal information to our related parties and service/data storage service providers who may store data, operate or be located in other countries (some of which may not have an equivalent level of data protection laws as those in Australia) unless we have specifically agreed in writing that we will not do so. The countries in which these recipients may be located will vary from time to time, but may include Germany, Canada, Japan, New Zealand, Hong Kong, United Kingdom, United States of America, India, China, Korea, Malaysia, South Africa, Bermuda, Ireland, Sweden and France. We will take reasonable steps to ensure that any overseas disclosures are made in a secure manner. Before disclosing any personal information to an overseas recipient, we also take steps reasonable in the circumstances to ensure the overseas recipient complies with the Australian Privacy Principles (for Australia) or Information Privacy Principles (for New Zealand) or is bound by a substantially similar privacy scheme.
7. How you can access, and correct your personal information
You have a right to request access to, and correction of, personal information we hold about you by contacting us by letter, telephone or email using the details below. Your request will be dealt with according to the provisions of the applicable law.
The accuracy of the information we hold about you is important. Please advise us if your personal information changes to help in ensuring that the information we hold is up to date, complete and relevant.
If we refuse to give you access to, or to correct, the personal information, we will write to you and give you our reasons for declining your request and information about how you may complain about our refusal.
We will not charge for making a request or giving access to personal information.
You may also ask us for details about the way we manage personal information we hold.
8. Making a complaint
If you believe there has been a breach of your privacy regarding the personal information we collect and hold about you or have a complaint about the way in which we have handled your personal information, you should contact us. We may be able to resolve your concern over the phone, but if not, we will ask you to put your complaint in writing. We aim to resolve all complaints promptly.
Enquiries and complaints should be addressed to:
The Privacy Officer
Hannover Life Re of Australasia Ltd
Tower 1, Level 33
100 Barangaroo Avenue
SYDNEY NSW 2000
Telephone: +61 (0)2 9251 6911
Facsimile: +61 (0)2 9251 6862
Email: HLRAus_Privacy_Officer@hlra.com.au
If you remain unsatisfied with the resolution of your complaint:
For Australia:
You can refer the matter to the Australian Financial Complaints Authority website located at https://www.afca.org.au or by telephoning 1800 931 678 (free call).
If you remain unsatisfied with any further resolution of your complaint, you can refer the matter to the Office of the Australian Information Commissioner located at https://www.oaic.gov.au or by telephoning 1300 363 992.
For New Zealand:
You can refer the matter to the Insurance and Financial Services Ombudsman Service website located at https://www.ifso.nz/ or by telephoning 0800 888 202.
If you remain unsatisfied with any further resolution of your complaint, you can refer the matter to the Office of the Privacy Commissioner, the contact details of which can be found at https://www.privacy.org.nz.