Any personal information collected by us is used to arrange and manage your policy (including renewals) but also to comply with regulatory requirements, for product research and development, marketing our products and services including those of our related companies, customer research and data analytics, IT systems maintenance and development, recovery against third parties, investigation of suspected fraud and for other purposes with your consent or where permitted by law.
Your personal information will be disclosed to our agents and representatives as well as third parties (some of whom may be located overseas such as in Thailand) who assist us provide the services and to otherwise enable us to carry out our business activities such as claims handlers and assessors, investigators, data storage providers, medical practitioners, your healthcare provider, hospitals and other medical and assistance providers, your family members, our sales and marketing agents, educational institutions, the product underwriter (Peoplecare Health Limited) and other insurers, law enforcement bodies, and to government departments and entities responsible for administering visa requirements for overseas visitors and students and others.
You agree that while those to whom we disclose your personal information (including our agents and service providers and those located overseas) will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws.
Unless you opt out, we may contact you on an ongoing basis by telephone, mail, electronic message (including email or via other means) with offers of products or services that we consider may be relevant and of interest to you. If you do not want to receive such offers from us (including product or service offerings from us on behalf of our agents, intermediaries and/or our business partners) or do not want us to disclose your personal information to our related and group companies and business partners for marketing purposes, you can opt out at any time by calling Allianz Global Assistance on 1800 023 767.
Before you provide personal information about or on behalf of other individuals, we and our agents rely on you to have first made them aware that you intend to do so, and have first obtained their consent to do so.
If you do not, you must tell us before you provide their personal information.
If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services.