Zurich's Privacy Policy

In this Privacy Policy “Zurich”, “we”, “our” and “us” means Zurich Financial Services Australia Ltd and all the Zurich companies listed below in the section on ‘Which Companies are covered by this Policy’. This Privacy Policy also applies to “OnePath branded” products issued by Zurich companies.

We value the privacy of your personal information. We are committed to handling your personal information responsibly and in accordance with the Privacy Act 1988. By applying for, renewing, using any of our products or services, making a claim or providing us with your personal information you consent to your information being collected, held, used and disclosed as set out in this Privacy Policy.

This Privacy Policy should be read in conjunction with the Privacy Statement that was issued in respect to the type of relationship you have with us. To review a sample privacy statement, please refer to the ‘Zurich’s Privacy Statement’ section.

What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:

Whether the information or opinion is true or not; and
Whether the information or opinion is recorded in a material form or not.

What type of information does Zurich collect and hold?

The type of personal information we hold about you or other individuals varies depending on the type of product or service we provide to you. For example, Zurich will hold different personal information about you or other individuals if you have a life insurance policy than we will hold if you have a managed investment or a general insurance product. We may also hold different information if we are providing you with financial advice as your financial adviser.

In general, Zurich may hold the following personal information:

Name and address
Date of birth
Contact details, which may include your telephone number, residential address and email address.

Depending on the type of product or service you select we may also hold the following information about you:

Occupation
Type of property that is being insured
Government issued identification numbers such as Tax file number, driving license or passport number, where you have given it to us
Payment card number or bank account details
Insurance claim information, where this is relevant
Your employment information
Your salary
The names and addresses of your dependents or beneficiaries
Information you give about your personal and financial circumstances
Other information that you have given us.

We may also collect sensitive information such as:

Health or medical information
Racial or ethnic origin
Sexual preferences or practices
Membership of political, professional or trade associations
Criminal convictions and driving offences.

If we are not able to collect your personal information, we may not be able to process your application, administer your policy, assess your claim or provide you with financial advice (where we are your financial adviser).

For employment applications Zurich may also hold the following information about you:

Employment history
Education qualifications and professional associations
Details of your referees
Details on your eligibility for employment such as residency status
Other information required as part of the recruitment process
Background checks, where you have given your consent to us.

How does Zurich collect and hold your personal information?

We collect your personal information so that we can perform our various functions and activities. We also collect your personal information if the law requires us to collect it. If we do not collect your personal information, we may not be able to deal with you, or provide you with a product or service. If you apply for one of our products or services, we may collect and hold information from you such as your name, address, telephone number, e-mail address, tax file number (TFN), date of birth and place of work.

We may collect personal information about you and other individuals in different ways including:

In writing, including by electronic or hard copy forms
By telephone
By email
In person
Over the internet such as via our website, cookies, online forms or social media.

We may collect your information:

Directly from you, for example, you provide us with your information when you fill in an application form, deal with us over the telephone, send us a letter or use our websites and customer portals;
From publicly available sources of information, such as telephone directories, the electoral roll or other websites; and/or
From other parties including:
- Your intermediary, broker or professional adviser(s)
- Other insurers, reinsurers or distribution partners
- Our service providers and business partners
- Organisations that we have an arrangement with to jointly offer products or services
- Organisations that we have an alliance with to share information for marketing purposes to provide you with products or services and/or to promote a product or service;
- Superannuation fund trustees holding Zurich or OnePath branded products, joint issuers of Zurich and OnePath branded products and other organisations including those in an alliance with us, to co-issue, distribute, improve, manage and administer our products and services, carry out business functions and undertake analytics activities;
- Our related entities so we can better manage your relationship with us
- Marketing companies if we acquire contact information to tell you about our products and services that may interest you
- Third parties who, at the time of collection, have notified you that your information will be provided to us
- Medical practitioners where relevant for the purposes of managing or administering our products including assessing your application or claim
- Government, statutory or regulatory body and law enforcement bodies
- Other third parties
- Anyone that you have authorised to deal with us or that you have consented to them providing your information to us.

We may also collect information about how you use Zurich’s and other websites to help us better tailor our services to you. For example, we may do this when you click on a link from our website or visit a website which displays our advertisement. Usually, the information we collect in this way is general information only derived from cookies – such as the number of visitors to a site or statistics about how a site is browsed – and does not identify you. If we do identify you with this information (for example, if you have been logged onto one of our online services), any use or disclosure of that information will be in accordance with this Privacy Policy.

If you provide personal information to us about another individual, you must:

Inform them that you are disclosing their personal information to us
Collect their consent to do so
Make them aware of the content of this Privacy Policy and
Direct them to this Zurich Privacy Policy

Sensitive information is personal information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, genetic information, health information, biometric information that is used for identification or biometric templates. We will not collect, use or disclose sensitive information about you unless we need the information for one of our functions or activities and we have your consent (or we are legally required to do so). For example, we will collect health information from you and your medical practitioner with your consent to assess your application for life insurance, to administer your policy and assess any claim made under your life or general insurance policy. We may also collect sensitive information about you if your family members apply for products such as life insurance or trauma and disablement cover. We may also collect sensitive information through customer surveys or questionnaires so that we may obtain your feedback and provide further information to you about our products or services. More information about our marketing practices can be found in the section titled “Marketing and Privacy” in this document.

Collecting information required by law

We may collect information from you because we are required or authorised by an Australian law or court or tribunal order. We will tell you if collection is required or authorised by law and provide you with details of the law, court or tribunal order. We are authorised by the Superannuation Industry Supervision Act 1993 to request that you provide your Australian tax file number (TFN). If we collect your TFN, we will handle your TFN in accordance with the Privacy Act and the TFN Rule issued by the Commissioner.

We may also be required to ask about your tax residency status under taxation information sharing agreements the Australian Government has in place with other countries. For example, a tax treaty between Australia and the United States means Australian taxation law has enacted the US Foreign Account Tax Compliance Act locally which requires us to ask account holders of some types of products whether they are US citizens or US tax residents when they open their product. If you are a tax resident of another country, the relevant treaty or law may require us to collect your relevant foreign tax identification number.

The Purposes for which Zurich Collects, Holds, Uses and Discloses this Information

Zurich provides products and services, such as:

General insurance
Life insurance
Investments
Superannuation
Financial advice

We collect, hold, use and disclose your personal information for the purposes of providing you with products and services and managing our business including after your policy ceases to be in-force or you have ceased to received services from us, such as:

To assess your application. For example, assessing the risk and underwriting your policy
To administer the products or services provided to you. For example, issuing a renewal or amending your policy
To manage a claim. For example, managing and assessing claims made under your policy or recovering monies paid to you or debts you have incurred
To provide you with advice as your financial adviser.
To comply with our legal obligations. For example, laws relating to anti money laundering
To enhance customer service and product options. For example, conducting customer research or customer satisfaction surveys to improve our services and products
To correct any errors or other actions or omissions and to deliver customer compensation and other remediation activities
To co-operate with regulatory-enforcement related activity (including investigation and remediation of errors, actions or omissions).
Purposes communicated to you at the time we collected your personal information
Other purposes consented to by you, or as required or permitted by law.

Using Your Personal Information

We may use and disclose personal information we collect about you for several purposes, including after your policy ceases to be in-force or you have ceased to received services from us, that include:

To consider your request for a product or service
To enable us to provide a product or service (including the assessment of an application for insurance, or provide you with financial advice where we are your financial adviser)
To tell you about other products and services that we believe may be of interest to you
To assist in arrangements with other organisations (such as loyalty partners and alliance partners) in relation to the promotion or provision of a product or service
To manage and improve products and perform other administrative, operational and remediation tasks (including risk management, processing and assessment of claims, systems development and testing, data analytics, staff training and market or customer satisfaction research)
To assist our reinsurers and financial advisers provide their services in relation to your product
To consider any concerns or complaints you raise against us and/or to manage any dispute or legal action between you and us
For business functions and activities conducted by or with our related entities (such as compliance reporting, information management, claims management and risk management)
To correct any errors or other actions or omissions and manage any customer compensation or other remediation activities
To co-operate with regulatory enforcement related activity (including investigation and remediation of errors actions or omissions even after your policy ceases to be in force To prevent or investigate any actual or suspected fraud, unlawful activity or other conduct; and
As required by relevant laws, regulations and codes of practice.

Direct marketing

If you have provided consent, we may use your personal information to communicate with you about information, offers, products or services that may be relevant and of interest to you (including through our intermediaries, distributors and/or business partners). Personal Information you have provided may be held for marketing purposes until you opt out of receiving such information. If you do not want to receive this communication from us, please Contact us or opt-out using the link included in marketing messages we send you.

In some instances, we may disclose your personal information (but not sensitive information) to others we have business arrangements with to communicate with you for similar marketing purposes, such as to offer relevant information, products and services to you.

We do not use or disclose sensitive information for the purposes of direct marketing.

Who does Zurich share information with?

Zurich collects personal information about you to provide you with our products and services. Zurich will also, where relevant and subject to any consents required under applicable law, disclose your personal information (including in some cases sensitive information) to:

Other companies in the global Swiss based Zurich Insurance Group Ltd (the “Zurich Group”). The business activities of the Zurich Group are performed by various business functions which will sometimes require the exchange of information between various Zurich entities around the world.
An intermediary, including a professional adviser(s) or any other representative or person acting on behalf of yourself or a joint insured on your policy.
Other insurers or distribution partners as required to carry out activities such as providing insurance or managing a claim.
Reinsurers for the purposes of reinsuring policies. (For a list of relevant reinsurers and their contact details please contact the Privacy Officer, see below).
Service providers that assist us in carrying out our business activities, such as, investigators, claims adjusters, claims administrators, surveyors, repairers, builders, engineers, assessors, recovery agents, insurance reference bureaus, accountants, auditors, hospitals or medical professionals, rehabilitation providers, legal advisers, mediators, IT providers, suppliers, professional advisers, image and document management service provider or mailing houses.
An Australian Financial Service Licence holder, where we carry out business activities as your financial adviser including where we are a Corporate Authorised Representative of a Licensee.
Our business partners, including for example a corporate or alliance partner (such as a company that referred you to Zurich) or to whom Zurich refers you for products or services.
Other third parties as required to carry out activities such as assessing a claim in the event of loss or damage, including financial institutions (who for example issued the credit card under which a claim is made), another party involved in a court action or a claim (such as a third party claimant or witness), Insurance Council of Australia, dispute resolution bodies including the Australian Financial Complaints Authority (AFCA), external administrators (particularly for investment and superannuation products), an employer, the policy owner, other insureds, custodian or trustee (who is associated with a superannuation fund, investment or managed fund or a life insurance policy) and interested parties on a policy (for example a bank or premium funder).
Government, statutory or regulatory body and law enforcement bodies, such as tax authorities, Australian Prudential Regulation Authority, Australian Securities and Investments Commission, AUSTRAC, Office of the Australian Information Commissioner, Centrelink, Work Cover authorities, the RTA, Motor Accident Authority, Roads and Maritime Services or the police.

Information about a third party’s use and management of personal information (including any entity they may share information with, how to access or seek correction of information, and how to make a complaint) can be found in the third party’s privacy policy.

When do we disclose Personal Information to overseas entities?

In accordance with the purposes for which we have collected your personal information, we may disclose your personal information to a party located outside Australia. For example, we may disclose your personal information outside Australia:

For reinsurance purposes to reinsurers, including as part of the Zurich international commercial program
For Zurich Group wide activities and reporting purposes
For product or claims referrals to other Zurich Group companies
For information technology / system administration purposes
To provide emergency medical assistance services while you are abroad.
To support administration of your policy.

The countries where the person or company is likely to be located include Austria, Belgium, Canada, Denmark, Finland, France, Germany, Guernsey, India, Italy, Hong Kong, Japan, Malaysia, New Zealand, Norway, Philippines, Romania, Singapore, Spain, Sweden, Switzerland, Taiwan, United Kingdom, Poland, South Africa and United States of America. Also as part of a global insurance group, in some cases we may disclose your personal information to another Zurich Group entity outside Australia. A list of countries where the Zurich Group has a presence can be found here https://www.zurich.com/en/contact-us

We may also use other offshore service providers to help provide you with our products and services or identify ways to improve our service to you.

If you have an interaction with one of our Customer Service Teams, we may send you an automated follow up request for your feedback on your experience(s). We use external service providers based overseas to help us send you the automated request and to analyse responses. We will therefore need to send your information to these locations.

The above is not a complete list of the countries to which your information may be disclosed when using our products or services. In some circumstances, the nature of the product or service you request may require us to disclose your information overseas and the countries to which we may disclose your information will depend on the particular circumstances.

How do we store and secure your personal information?

At Zurich we take the security of personal information very seriously and we invest heavily in security protective measures to safeguard our clients and their data across our systems. Any personal information collected and stored within Zurich is secured using industry standard technology and processes.

Our staff are regularly trained on Information Security protocols and we work with our service providers to ensure your personal information is kept safe and secure.

How does Zurich use cookies & digital tools?

A cookie is a small, text-based file used frequently on some websites and portals. They can be permanently stored on your hard drive (persistent cookie) or in your computer's memory (session cookie).

Zurich uses session cookies to interact with your browser. They are designed to assist and streamline the exchange of information between your computer's browser and our computer systems. For example, a session cookie is created after you log in with your user name and password and your access is authenticated. The session cookies assist in validating that Zurich's computer is communicating with your web browser throughout the time you access the website during the session. When you end the session by logging off or closing the browser, the session cookie is rendered inoperable.

Other cookies used by Zurich collect information about the use of Zurich's website. The information collected includes where visitors connect from, what version of browser they use and their path through the site. In some circumstances, cookies can also provide information to identify a person. It helps us to provide personalised features, to meet online expectations of many of our clients, to improve our services and products, as well as to keep our content fresh and relevant.

When you apply for an insurance policy or seek financial advice using our website or our online forms, Zurich collects personal information about you as a part of your application or request for advice. Once you submit your application or request online, Zurich may use cookies, which in this case may personally identify you through your information, to identify traffic source, to improve our website and our customers’ experience, as well as to keep our content fresh and relevant.

Zurich may also use third party remarketing cookies e.g. through Google AdWords, LinkedIn Insight Tag and Facebook Ads. These cookies allow us to display tailored advertising to you on different websites across the internet and on social media platforms based on your prior visits to our site. Zurich and some of these third parties may also use the information to optimise ad selection for groups of individuals based on age, gender, interests and past visits to sites. Importantly, we do not collect any identifiable information about you through this remarketing process nor combine the anonymous information with personally identifiable information. You can opt out by managing your settings on such third party sites:

Google - https://adssettings.google.com/authenticated
Facebook - https://www.facebook.com/settings?tab=ads&view
LinkedIn - https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out

Alternatively, you can opt out of a third party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page - http://www.networkadvertising.org/choices/#completed.

The use of cookies however, is ultimately governed by you, as you can choose if and how a cookie can operate by configuring certain preferences and options in your browser. These need to be enabled if you wish to use the secure log in services. Choosing to disable cookies may mean you are not able to access all features of a site including the secure log in services.

We utilise web analytics reporting software to report and measure traffic patterns to, from and within this website. The tracking technology collects various information, such as the visitor’s domain name and IP address, which pages are visited, the number of unique visitors, paths taken within the website, duration of visits and entry / exit points to the website. A User ID may be assigned to an individual user to track engagement from one or more sessions initiated from one or more devices.

We use the aggregated reporting provided by web analytics to better manage, analyse and develop our websites, as well as to improve customer experience and improve our services and products.

When you apply for an insurance policy or seek financial advice using our website or our online forms, Zurich collects personal information about you as a part of your application or request for advice. Zurich may use web analytics reporting software with this data to help us improve the services we provide. All personal information collected and held will be in accordance with this Privacy Policy.

How does Zurich handle a request for access or correction to personal information?

You have the right to request access to personal information that we hold about you, and if applicable, to request correction.

Please contact Zurich using the contact details below in the ‘How can I contact Zurich?’ section.

Where you are entitled to access personal information, the time we require to give you access will depend on the type of information requested. If we can, we will answer your question immediately. We will also try to answer you in the same way that you ask - for example, if you telephone to ask for the information we will, if practicable, give you that information over the telephone. We will generally respond to a written request in writing.

Sometimes, we will ask that you put your request in writing, for example, where it is necessary for us to retain a record of your request.

We may also ask you to identify yourself to our satisfaction at the time of requesting the information.

You may be able to access some information yourself through Zurich's website. If you have difficulties finding the information you want or using the website, please advise us.

In some circumstances, we may charge a fee for giving you access, which will vary but will be based on our costs (internal and external) in locating the information and the form of access you require. If we propose to charge a fee for giving access, we will give you an estimate of the fee so you can confirm that you still want us to give you access to the information. We do not impose any charge for lodging a request for access.

Please tell us if some of the personal information Zurich holds is wrong as we want our records to be accurate, complete, up to date and relevant. Unless we disagree with you about the accuracy or completeness of a record, we will generally correct it on request, (or suggest alternative arrangements for updating our records).

If we are unable to give you access or correct your personal information, we will tell you and provide you with reasons.

How can I contact Zurich?

Email us privacy.officer@zurich.com.au or, for OnePath branded products issued by Zurich companies: insurancefeedback@onepath.com.au
Write to The Privacy Officer: Zurich Financial Services Australia Limited PO Box 677, North Sydney NSW 2059

Changes to this Privacy Policy

We may review and amend this Privacy Policy from time to time. If we do so we will notify you by posting an updated version on our websites www.zurich.com.au or onepath.com.au.

Which Companies are covered by this Policy?

Zurich Financial Services Australia Limited (ABN 11 008 423 372)
Zurich Services (Australia) Pty Limited (ABN 17 627 298 337)
Zurich Australian Insurance Limited (ABN 13 000 296 640)
Zurich Australian Insurance Properties Pty Ltd (ABN 79 002 463 292)
Zurich Australia Limited (ABN 92 000 010 195)
Zurich Properties Limited (ABN 80 000 010 962)
Zurich Investment Management Limited (ABN 56 063 278 400)
Zurich Australian Workers Compensation Limited (ABN 46 003 109 966)
Zurich Workers Compensation Victoria Pty Limited (ABN 16 059 697 755)
OnePath Life Australia Holdings Pty Limited (ABN 3 3 009 657 176)
OnePath General Insurance Pty Limited (ABN 56 072 892 365)
Zurich Assure Australia Pty Limited (ABN 58 657 804 736)

Your Consent is Important

We may require your consent to use and/or disclose your information in particular ways. For instance, we need your consent if we need to use your information for a purpose that is not related to the purpose for which we collected your information in the first place. Depending on the circumstances, this consent may be express (for example, you expressly agree to the specific use of your information by ticking a box) or implied by some action you take or do not take (for example, your agreement is implied by the fact that you have agreed to your product terms and conditions which contains information about the use or disclosure).

By providing us or your intermediary with your information, you consent to our use of this information and where relevant for the purposes, you consent to our disclosure of your Personal Information, including your Sensitive Information, to your intermediary, affiliates of the Zurich Insurance Group Ltd, other insurers and reinsurers, Australian Financial Services License holders, our service providers, our business partners, medical and health practitioners, your employer, policy owners (where relevant or required), government offices and agencies, regulators, law enforcement bodies, and as required by law within Australia or overseas. These laws include the Life Insurance Act 1995, Insurance Act 1973, Superannuation Industry (Supervision) Act 1993, Anti-Money Laundering and Counter-Terrorism Financing Act 2006, Personal Property Securities Act 2009, Corporations Act 2001, Insurance Contracts Act 1984, Autonomous Sanctions Act 2011, Income Tax Assessment Act 1997, Income Tax Assessment Act 1936, Income Tax Regulations 1936, Tax Administration Act 1953, Tax Administration Regulations 1976, A new Tax System (Goods and Services Tax) Act 1999 and the Australian Securities and Investments Commission Act 2001 as those laws are amended, and includes any associated regulations. From time to time, other acts may require, or authorise us to collect your personal information.

Marketing and Privacy

As part of our service to you, we may use personal information we have collected about you to identify a product or service that may benefit you. We may contact you from time to time to let you know about new or existing products or services. We may also disclose your personal information to our related entities or business partners to enable them to tell you about a product or service. You can contact us at any time if you do not want to receive marketing information from us by:

Sending an email to unsubscribe@zurich.com.au
Email us privacy.officer@zurich.com.au
Write to The Privacy Officer: Zurich Financial Services Australia Limited PO Box 677, North Sydney NSW 2059.
For “OnePath” branded products issued by Zurich companies, sending an email to: client.onepath@zurich.com.au or calling 133 667

We do not sell or pass mailing lists on to any third parties.

How do I make further enquiries or complain about a breach of privacy?

If you require more information about the way Zurich manages personal information or wish to make a complaint about a breach of your privacy, please contact the Zurich using the contact details in the ‘How can I contact Zurich?’ section or by submitting your complaint here: https://www.zurich.com.au/contact/complaints.html.

Managing your complaint

Zurich will confirm that we have received your complaint within 1 business day (or as soon as practicable) and work with you to provide an outcome as quickly as possible. Your contact will keep you regularly updated with the progress and will work with you to discuss options to resolve your complaint.

Once we have come to a decision on the outcome of your complaint, we will discuss the proposed outcome with you.

We will write to you, where required, and our response will outline the outcome of your complaint. In most instances, our complaints decision will be provided no later than 30 calendar days, or 45 calendar days if it relates to a superannuation product. Where we cannot resolve your complaint within this timeframe, we will advise you in writing.

If your complaint is not satisfactorily resolved, you may access an external dispute resolution scheme such as the Australian Financial Complaints Authority (AFCA) or apply to the Office of the Australian Information Commissioner (OAIC) to have the complaint heard and determined. When we write to you about our decision, we will explain how you may access an appropriate external dispute resolution scheme or lodge a complaint with the OAIC.

Zurich's Privacy Statement

General Insurance Privacy Statement

Zurich is bound by the Privacy Act 1988 (Cth). Before providing us with any Personal or Sensitive Information (‘Information’), you should know that:

We collect, use, process and store Personal Information and, in some cases, Sensitive Information about you such as health information, in order to comply with our legal obligations, assess your application and, if your application is successful, to administer the products or services provided to you, to enhance customer service and product options and manage a claim (‘purposes’).

If you do not agree to provide us with the Information, we may not be able to process your application, administer your policy or assess your claims.

By providing us or your intermediary with your Information, you consent to our use of this Information and where relevant for the purposes, you consent to our disclosure of your Personal Information, including your Sensitive Information, to your intermediary, affiliates of the Zurich Insurance Group Ltd, other insurers and reinsurers, our service providers, our business partners, medical and health practitioners, your employer, policy owners, government offices and agencies, regulators, law enforcement bodies, and as required by law within Australia or overseas. These laws include the Life Insurance Act 1995, Insurance Act 1973, Superannuation Industry (Supervision) Act 1993, Anti-Money Laundering and Counter-Terrorism Financing Act 2006, Personal Property Securities Act 2009, Corporations Act 2001, Insurance Contracts Act 1984, Autonomous Sanctions Act 2011, Income Tax Assessment Act 1997, Income Tax Assessment Act 1936, Income Tax Regulations 1936, Tax Administration Act 1953, Tax Administration Regulations 1976, A new Tax System (Goods and Services Tax) Act 1999 and the Australian Securities and Investments Commission Act 2001 as those laws are amended, and includes any associated regulations. From time to time, other acts may require, or authorise us to collect your personal information.

Zurich may obtain Information from government offices, the parties listed above and third parties to assess applications, administer policies and assess a claim in the event of loss or damage or to provide other services.

For further information about Zurich’s Privacy Policy, a list of service providers and business partners that we may disclose your Information to, a list of countries in which recipients of your Information are likely to be located, details of how you can access or correct the Information we hold about you or make a complaint, please refer to the Privacy link on our homepage – www.zurich.com.au, contact us by telephone on 132 687, by email at privacy.officer@zurich.com.au or by mail at ‘The Privacy Officer’, Zurich Financial Services Australia Limited, P.O. Box 677, North Sydney NSW 2059.

Credit and Debit Card Insurance Privacy Statement

Zurich is bound by the Privacy Act 1988 (Cth) and we respect your privacy. Before providing us with any personal information or sensitive information, you should know the following things:

We will not require personal information until you request one of our products or services, you make an application to cover a pre-existing medical condition or a claim is made. We collect, use, process and store personal information and, in some cases, sensitive information about you in order to comply with our legal obligations, to assess your application for our products and services, to assess your application to cover a pre-existing medical condition, to administer the products or services provided to you, to enhance customer service and to manage a claim. We will, in relevant cases, disclose personal information to the Bank that issued your card, our service providers and business partners in order to allow monitoring of the claims service provided, prevention of fraud and to ensure eligibility for cover.

By providing us with your personal information including sensitive information such as health information, you consent to our use of this information which includes us disclosing your personal information including sensitive information, where relevant for the purposes, to affiliates of the Zurich Insurance Group Ltd, other insurers and reinsurers, our service providers, our business partners or as required by law within Australia or overseas. These laws include Life Insurance Act 1995, Insurance Act 1973, Anti-Money Laundering and Counter-Terrorism Financing Act 2006, Personal Property Securities Act 2009, Corporations Act 2001, Insurance Contracts Act 1984, Autonomous Sanctions Act 2011, Income Tax Assessment Act 1997, Income Tax Assessment Act 1936, Income Tax Regulations 1936, Tax Administration Act 1953, Tax Administration Regulations 1976, A new Tax System (Goods and Services Tax) Act 1999 and the Australian Securities and Investments Commission Act 2001 as those acts are amended and any associated regulations. From time to time other acts may require, or authorise us to collect your personal information.

If you do not agree to provide us with the information, where applicable, we may not be able to assess your application for our products and services, your application to cover a pre-existing medical condition or we may not be able to assess your claim or your claim may be delayed.

Zurich may obtain information from government offices and third parties to assess a claim in the event of loss or damage.

In most cases, on request, we will give you access to personal information held about you. In some circumstances, we may charge a fee for giving this access, which will vary but will be based on the costs to locate the information and the form of access required.

For further information about Zurich’s Privacy Policy, a list of service providers and business partners that we may disclose your personal information to, a list of countries in which recipients of your information are likely to be located, details of how you can access or correct the Information we hold about you or make a complaint, please refer to the Privacy link on our homepage – www.zurich.com.au, contact us by telephone on 132 687 or email us at privacy.officer@zurich.com.au.

Life Insurance, Managed Investments & Superannuation Privacy Statement

Zurich is bound by the Privacy Act 1988 (Cth). Before providing us with any Personal or Sensitive Information (‘Information’), you should know the following information.

We collect, use, process and store Personal Information and, in some cases, Sensitive Information about you in order to comply with our legal obligations, to assess your application and, if your application is successful, to administer the products and services provided to you, to enhance customer service or products and, where relevant, to manage claims (‘purposes’). If you do not agree to provide us with the Information, we may not be able to process your application, administer your policy, product or investment or assess your claims.

By providing us or your intermediary with your Information, you consent to our use of this Information which includes us disclosing your Information where relevant for the purposes, to the Policy Owner (where you are a life insured), your intermediary, affiliates of the Zurich Insurance Group Ltd, other insurers and reinsurers, our service providers, our business partners, government authorities or as required by law within Australia or overseas. These laws include the Australian Securities and Investment Commissions Act 2001, Corporations Act 2001, Insurance Contracts Act 1984, Life Insurance Act 1995, Superannuation Industry (Supervision) Act 1993, Anti Money Laundering and Counter Terrorism Financing Act 2006, Anti Money Laundering and Counter Terrorism Financing Rules Instrument 2007 (No. 1), Income Tax Assessment Act 1997, Taxation Administration Act 1953, Superannuation Guarantee (Administration) Act 1992, Small Superannuation Accounts Act 1995, Superannuation (Unclaimed Money and Lost Members) Act 1999, Superannuation (Resolution of Complaints) Act 1993, Superannuation (Government Co-contribution for low income earners) Act 2003 and Family Law Act 1975 (Part VIIIB), as those acts are amended and any associated regulations. From time to time, other acts may require, or authorise us to collect your personal information. Zurich may also obtain Information from government offices and third parties to assess an application or a claim. We may use Personal Information (but not Sensitive Information) collected about you to notify you of other products and services we offer. If you do not want your Personal Information to be used in this way, please contact us.

Zurich Assure Privacy Statement

Zurich is bound by the Privacy Act 1988 (Cth). Before providing us with any Personal or Sensitive Information (‘Information’), you should know the following information.

We collect, use, process and store Personal Information and, in some cases, Sensitive Information about you in order to comply with our legal obligations and to provide you with financial advice where we are your financial adviser (‘purposes’). If you do not agree to provide us with the information, we may not be able to provide you with advice.

By providing us or your intermediary with your Information, you consent to our use of this Information which includes us disclosing your Information where relevant for the purposes, to your intermediary, insurers, our service providers, our business partners, an Australian Financial Service Licensee where we are their Corporate Authorised Representative, government authorities or as required by law within Australia or overseas. These laws include the Australian Securities and Investment Commissions Act 2001, Corporations Act 2001, Insurance Contracts Act 1984, Life Insurance Act 1995, Superannuation Industry (Supervision) Act 1993, Anti Money Laundering and Counter Terrorism Financing Act 2006, Anti Money Laundering and Counter Terrorism Financing Rules Instrument 2007 (No. 1), Income Tax Assessment Act 1997, Taxation Administration Act 1953, Superannuation Guarantee (Administration) Act 1992, Small Superannuation Accounts Act 1995, Superannuation (Unclaimed Money and Lost Members) Act 1999, Superannuation (Resolution of Complaints) Act 1993, Superannuation (Government Co-contribution for low income earners) Act 2003 and Family Law Act 1975 (Part VIIIB), as those acts are amended and any associated regulations. From time to time, other acts may require, or authorise us to collect your personal information. We may use Personal Information (but not Sensitive Information) collected about you to notify you of other products and services we offer. If you do not want your Personal Information to be used in this way, please contact us.

For further information about Zurich’s Privacy Policy, a list of service providers and business partners that we may disclose your Information to, a list of countries in which recipients of your Information are likely to be located, details of how you can access or correct the Information we hold about you or make a complaint, please refer to the Privacy link on our homepage – www.zurich.com.au, contact us by telephone on 132 687 or email us at privacy.officer@zurich.com.au or client.onepath@zurich.com.au.