Introduction

In this Privacy Policy, “we”, “our” and “us” refers to Pacific Life Re (Australia) Pty Limited (ACN 601 822 431). 

Our Privacy Promise 

• We do not sell information about our clients or their underlying policyholders 
• We do not share your information with anyone else for their marketing purposes
• We use personal information only to help provide our reinsurance products and services

Our Privacy Notice to You 

Protecting your privacy is very important to us. We provide this notice because you have a right to know how we protect the privacy of your personal information. Your knowledge of our privacy principles and practices will confirm the trust that your insurers have placed in their business relationship with us, and the trust that you have placed in your business relationship with your insurer. 

1. The kinds of personal information that we collect 

We collect the personal information reasonably necessary for us to provide our products and services to your insurer. 

The type of information that we collect depends on the type of product or service that your insurer has requested from us. This may include:

• information that you provide on application or other forms (for example, your name, address, age, income, occupation, etc);
• information that your insurer has collected from other sources such as credit reporting agencies and information to verify employment or income; and 
• medical or health information that you have provided to your insurer or that you have permitted your insurer to receive from doctors or other health care providers. 

2. What medical and health information do we collect?

We may receive medical or health information about you. This may be as part of your application for insurance from your insurer, or when we process a claim from your insurer. 

We will not share medical or health information with any unrelated companies, except as needed to process transactions relating to your insurance and other services you have requested from your insurer. 

If you provide us or a third party (such as your insurer or intermediary with whom you deal with in relation to your insurance policy) with (or permit us or such third parties to receive) medical, health or other sensitive information, you consent to us collecting that information as set out in this Privacy Policy. 

3. How we collect and hold personal information 

We will collect your personal information from your insurer or other third parties with whom you deal with in relation to your insurance policy.  We may receive your information by letter, email, telephone, fax or any other means by which we communicate with your insurer and other relevant third parties.  

We have policies to maintain physical, electronic and procedural safeguards to protect the confidentiality of your personal information. Access to your personal information is available only to those people who need to know it in order to help service our business to your insurer. 

Irrespective of the source of your personal information, we respect and protect the privacy of personal information. 

Should your relationship with your insurer or your insurer’s relationship with us end, we will continue to comply with this Privacy Policy to the extent that we retain any personal information about you. We retain information in accordance with legal and regulatory requirements, and our own internal compliance requirements. 

4. The purposes for which we collect, hold, use and disclose personal information 

We collect and use personal information for the purpose of providing an underwriting decision relating to your insurance policy or contract, to process your insurer’s claims with us and to generally service our relationship with your insurer (which enables them to provide their products and services to you). 

We may disclose personal information to other entities that provide business services to us related to our relationship with your insurer. This includes administrative, claims or audit services. Before we disclose your information, these entities must agree to keep it private. 

We may also share information within our corporate family to service the business of your insurer. For example, different legal entities may provide administrative services and support underwriting and claims decision making and processing.  

If necessary, we may disclose information when it is required by law. An example is disclosures required under the Corporations Act 2001 (Cth). We may also disclose certain information to other entities to help us report or prevent fraud. Examples are reports to a regulatory or law enforcement agency. 

If your insurer or other third party does not provide us with your personal information, we may not be able to provide our products or services to your insurer. This may mean that your insurer is not able to provide its products and services to you. 

5. When we may disclose personal information overseas

For the purposes outlined in section 4 of this Privacy Policy, we may need to disclose your personal information to our related entities and service providers that carry out activities on our behalf such as assessors and facilitators, some of whom may be located overseas. 

Your personal data may be transferred to our affiliate entities in the United Kingdom which may support underwriting and claims decision making and processing.

Your personal data may be stored on servers of our affiliate located in the United States of America (US) and checks against lists of financial sanctions targets may be undertaken in the UK or the US. 

6. Contacting us 

You have the right in appropriate circumstances to access the personal information we hold about you, and to seek correction of that information if it is in error. If you would like to seek access, or to correct any information we hold about you, you must request this in writing. Where justified, corrections will be made. 

We take every effort to comply with our obligations under privacy laws. However, you may also contact us to make a complaint about how we have collected or handled your personal information. 

We will respond to any request or complaint made by you in relation to your personal information within a reasonable period after you make the request. 

Please direct inquiries about access or correcting your information to the address below:

General Counsel, Australia and Asia

Pacific Life Re (Australia) Pty Limited

Level 43

Quay Quarter Tower

50 Bridge Street

Sydney

NSW 2000

Email: PrivacyRequest@pacificlifere.com

We may update this Privacy Policy from time to time.