Document ID: chunk:federal_register_of_legislation:F2020L01688:clause:1_92:p7
Version: federal_register_of_legislation:F2020L01688
Segment Type: clause
Provision Reference: sch 1 cl 92 (pt 7/8)
Character Range: 100121–102902

(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 time frame referred to in paragraph 4.11(2)(e) of this Schedule and has not removed the approval using their consumer dashboard; or
 (ii) the data holder considers it necessary to avoid seeking the approval of the relevant account holder in order to prevent physical or financial harm or abuse.
Note: Data holders are required to offer the disclosure option referred to in subclause (2). Data holders may, but are not required to, offer the disclosure option referred to in subclause (3). See subclause 4.6(1) of this Schedule.

No disclosure option applies but circumstances of physical or financial harm or abuse might exist
 (4) This subclause applies if:
 (a) no disclosure option applies to the joint account; and
 (b) the data holder considers it necessary to avoid inviting at least one of the relevant account holders to choose a disclosure option in order to prevent physical or financial harm or abuse.

4.14  Consumer dashboard for relevant account holders

Obligation for data holder to provide relevant account holders with consumer dashboard
 (1) If a disclosure option applies or has applied to the joint account, the data holder must ensure that each relevant account holder has an online service that:
 (a) if a disclosure option applies to the account―can be used by the relevant account holders to manage approvals to disclose CDR data in response to consumer data requests under Part 4 of these rules for CDR in relation to the joint account; and
 (b) contains the details referred to in paragraph 1.15(1)(b) of these rules that relate to requests for CDR data under Part 4 of these rules in relation to the joint account; and
 (c) if a disclosure option applies to the account―has the functionality referred to in paragraph 1.15(1)(c) of these rules, as if:
 (i) references in that paragraph to authorisations were instead references to approvals; and
 (ii) references in that paragraph to withdrawals were instead references to removals.
Note: This subclause is a civil penalty provision (see rule 9.8).
 (2) Such a service is the data holder's consumer dashboard for the relevant account holder.
 (3) A data holder does not contravene subrule (1) in relation to subparagraphs 1.15(1)(c)(ii) and (iii) of these rules as referenced by paragraph (1)(c) so long as it takes reasonable steps to ensure that the functionality complies with those subparagraphs.

Exception in the case of physical or financial harm or abuse
 (4) Despite this clause and clause 4.15 of this Schedule, the data holder may decline: