Document ID: chunk:federal_register_of_legislation:F2020L01688:clause:1_92:p6
Version: federal_register_of_legislation:F2020L01688
Segment Type: clause
Provision Reference: sch 1 cl 92 (pt 6/8)
Character Range: 97604–100374

clause 4.7 of this Schedule.
Note 4: See paragraph 4.16(1)(b) of this Schedule for a similar requirement in the case that the requester is a secondary user of the joint account.

4.11  Asking relevant account holders for approval to disclose joint account data
 (1) This clause applies if:
 (a) the requester has authorised, under Division 4.4 of these rules, the disclosure of the joint account data; and
 (b) a co‑approval option applies to the joint account.
 (2) The data holder must, through its ordinary methods for contacting the relevant account holders:
 (a) indicate that an accredited person has requested disclosure of CDR data that relates to the joint account on behalf of the requester; and
 (b) outline the matters referred to in subclause (1); and
 (c) indicate the matters referred to in paragraphs 4.23(a), (b), (c), (d) and (e) of these rules so far as they relate to the request; and
 (d) ask the relevant account holders whether they approve the joint account data being disclosed; and
 (e) indicate the time by which the data holder needs the relevant account holders to give this approval; and
 (f) inform them that any one of them may, at any time, remove the approval; and
 (g) provide them with instructions for how to remove the approval; and
 (h) indicate what the effect of removing the approval would be.
Note: For removal of an approval, see clause 4.14 of this Schedule.

4.12  Continuation and removal of approvals
 (1) Any relevant account holder may remove an approval given under this Division at any time (regardless of whether the approval was given expressly under a co‑approval option or whether a pre‑approval option applies).
 (2) If each relevant account holder approves of the disclosure in accordance with this Division, the approval is taken to apply while the authorisation referred to in paragraph 4.11(1)(a) of this Schedule is current, unless removed sooner in accordance with this Division.

4.13  Joint account data the data holder is authorised to disclose
 (1) For paragraph 4.6A(2) of these rules, the data holder must not disclose joint account data to the accredited person unless:
 (a) the requester has authorised the data holder to disclose that CDR data under Division 4.4 of these rules; and
 (b) subclause (2), (3) or (4) applies.

Pre‑approval option
 (2) This subclause applies if:
 (a) a pre‑approval option applies to the joint account; and
 (b) no relevant account holder has removed the approval using its consumer dashboard.

Co‑approval option
 (3) This subclause applies if:
 (a) a co‑approval option applies to the joint account; and
 (b) for each relevant account holder, either:
 (i) the relevant account holder approved the disclosure in accordance with clause 4.11 of this Schedule within the