RGA Australia Privacy Policy
Protecting your privacy is very important to us. We want you to understand what information wecollect, how we collect this information and how we use it.
This Privacy Policy sets out how we deal with personal and sensitive information.
This Policy applies to the following RGA companies from the Effective Date:•••

RGA Reinsurance Company of Australia Limited ABN: 14 072 292 712;
RGA Australian Holdings Pty Ltd ABN: 20 071 125 507; andRGA International Division Sydney Office Pty Limited ABN: 99 100 532 938;("we", "us" or "our")
These companies will at all times comply with the Privacy Act 1988 (Cth) and all amendments to thislegislation, including the Australian Privacy Principles.
By consenting to your insurer or superannuation fund providing your personal information to us, youconsent to us collecting, holding, using and disclosing your personal information in accordance withthe terms of this Privacy Policy.
What information we collect and from whom we collect it
Personal information is information or opinions that identify you. We may collect and hold thefollowing personal information about you in connection with the life insurance and/or reinsurance, risk
transfer and related services we provide:
••
•
•
•
•
•

name;
date of birth;
gender;marital status;
contact details;
medicare number; anddetails about your employment, income and/or finances.

Sensitive information includes health and genetic information. We may collect and hold this type ofsensitive information for the purpose of providing life insurance and/or reinsurance, risk transfer andrelated services. In particular, we may collect and hold:••details about your health, including your mental health and/or disability; andrecords concerning advice and/or treatment you have received including the medications
which you have been prescribed.

We do not collect personal information directly. We may collect this information from the following
sources:•••••

your insurer when you apply for insurance cover or submit a claim on your policy including fromthe information you provide on the forms you complete and the attachments to those forms;
the trustee of your superannuation fund;third parties such as doctors, therapists, government agencies, vocational specialists;
information we derive from you in connection with this website through an internet "cookie" (aninformation-collecting device) or otherwise, such as your Internet browser, domain name andreferring link; andinformation we receive directly from you or your agents or appointed professional advisers.

If the required information is not provided to us, we may not be able to provide your insurer orsuperannuation fund with the insurance and/or reinsurance, risk transfer and related services they
have requested and this may affect the insurer or superannuation fund's ability to provide you withthe relevant insurance.
What we do with the personal and sensitive information that we collect and holdWe use the personal and sensitive information we collect and hold to provide life insurance and/orreinsurance, risk transfer and related services. In particular, we use this information to:
••
•••
•
•

decide what risks we will underwrite and the terms on which we will underwrite them;
determine the premium that we will charge to provide the insurance and/or reinsurance cover;maintain and manage the policies which we insure or reinsure;assess claims made;pay out benefits in accordance with claims made;perform actuarial analyses; andimprove our service offerings, products and internal operations including through testing of oursoftware and systems .

What information we disclose and to whom we disclose it
We may disclose the personal and/or sensitive information we collect, as described above, to persons
or companies that perform services on our behalf. These may include:• our related companies who hold and/or assist us in providing reinsurance services;• our consultants and service providers who assist us in assessing claims; and• our retrocessionaires.
We may disclose the personal and/or sensitive information we collect outside of Australia to thelocations listed in Schedule A of this policy for the purposes of providing life insurance and/orreinsurance, risk transfer and related services:
We will not otherwise disclose any personal or sensitive information about you to anyone except aspermitted or required by law.
Our security procedures
We restrict access to your personal and sensitive information and only allow disclosures to persons
and companies as permitted by law to assist in providing products or services to you. We maintainphysical, electronic, and procedural safeguards to protect your personal information.
We have implemented strong data security and privacy practices as well as physical, organisational
and technological means to ensure the security of our data and to protect the information fromunauthorised collection, disclosure, and other use. In addition, we use the following data protection
principles as the core of our data privacy, data protection and data security policies, procedures andprocesses.
••
••
•
•
•

Data must be fairly and lawfully processed
Data must be processed for specified and lawful purposes only
Data must be adequate, relevant, and not excessive in relation to those purposes
Data must be accurate, and where necessary, kept up to date
Data must be kept for no longer than necessary
Data must be processed in accordance with the data subject’s rights
Data must be kept secureHow you can access and/or correct the personal and/or sensitive information that we hold
You are entitled to seek access to the information about you that is held by us and to seek to correctthat information. If you would like to access your information and/or request a correction, pleasecontact:
Privacy Officer RGA Reinsurance Company of Australia LimitedGPO Box 4142, Sydney NSW 2001
T: +61 2 8264 5800
E: privacy@rgare.com
How you can lodge a complaint about how we have handled your personal or sensitive
information and how we will address your complaint
If you wish to make a complaint about a breach of this Privacy Policy or the Australian Privacy
Principles, please contact our Privacy Officer who will investigate the issue and determine the steps
that we will undertake to resolve your complaint. You will need to make the request in writing to theaddress above and provide us with sufficient details regarding your complaint together with any
supporting evidence. We will contact you if we require any additional information from you and will
notify you in writing, within 30 days of receiving all the required information, of the outcome of theinvestigation.
If you are not satisfied with the outcome of the investigation, you can contact us to discuss yourconcerns or contact the Australian Privacy Commissioner via www.oaic.gov.au.
Effective Date: 10 March 2014
Policy Last Reviewed: May 2022

RGA Australia Privacy Policy – Schedule A: List of Data Disclosure
Locations
RGA may disclose the personal and/or sensitive information we collect outside of Australia to thefollowing locations for the purposes of providing life insurance and/or reinsurance, risk transfer andrelated services:
••
•••
•
•••
•
••

CanadaJapanNew Zealand (branch office of RGA Reinsurance Company of Australia Limited)
United Kingdom
United States of America.
India
China
Korea
Hong Kong
South Africa
GermanySingapore