Document ID: chunk:federal_register_of_legislation:F2024C01258:clause:4_4:p66
Version: federal_register_of_legislation:F2024C01258
Segment Type: clause
Provision Reference: sch 4 cl 4 (pt 66/75)
Character Range: 212884–215717

holder with a consumer dashboard in accordance with rule 4A.13.
 (5) If a relevant account holder who approved the disclosure in accordance with rule 4A.11 within the time specified has withdrawn the approval using their consumer dashboard, the data holder must not disclose any, or any further, requested CDR data.

Non‑disclosure option
 (6) If the non‑disclosure option applies to the joint account, the data holder must refuse to disclose the requested CDR data.

4A.11  Asking relevant account holders for approval to disclose joint account data
  For the purposes of paragraph 4A.10(4)(b), the data holder must, through its ordinary means of contacting each relevant account holder:
 (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) indicate that:
 (i) the requester has authorised, under Division 4.4, the disclosure of the joint account data; and
 (ii) a co‑approval option applies to the joint account; and
 (c) indicate the matters referred to in paragraphs 4.23(1)(a), (b), (c), (d) and (e)  so far as they relate to the request; and
 (d) ask the relevant account holder to approve or not approve disclosure of the joint account data; and
 (e) specify the time by which the data holder needs to receive any approval, and inform them that if an approval is not received by that time, the joint account data will not be disclosed; and
 (f) inform them that any relevant account holder may, at any time, withdraw the approval using their consumer dashboard; and
 (g) indicate what the effect of removing the approval would be.
Note: For removal of an approval, see rule 4A.12.

4A.12  Continuation and removal of approvals
 (1) If a relevant account holder:
 (a) approves of the disclosure of joint account data in accordance with this Division; or
 (b) is taken to have approved of the disclosure under the pre‑approval option;
  the approval is taken to apply while the authorisation referred to in paragraph 4A.10(4)(b) is current, unless withdrawn sooner in accordance with this Division.
 (2) Any relevant account holder may withdraw an approval given under this Division at any time, using their consumer dashboard.

4A.13  Consumer dashboard for joint account holders
Note: Where this Division applies, the data holder must provide a consumer dashboard for the requester under rule 1.15.  Under this rule, in some circumstances, the data holder must also provide a consumer dashboard for each relevant account holder and the dashboards must have additional functionality.

Obligation for data holder to provide relevant account holders with consumer dashboard
 (1) Where:
 (a) this Division applies in relation to a consumer data request; and
 (b) either the co‑approval option or the pre‑approval option applies, or has