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PRIVACY
 
 

Privacy Policy

Aon Superannuation Pty Limited (“the Trustee”) ABN 83 057 982 822, AFSL 237465, acts as the trustee of one or more public offer superannuation funds including the Aon Master Trust ABN 68 964 712 340, the Aon Eligible Rollover Fund ABN 54 338 733 881, and the Allianz Australia Superannuation Fund ABN 50 656 426 118, collectively known as “the funds”. The Trustee values the privacy of personal information. The Privacy Act 1988 (Cth) and the National Privacy Principles (NPPs) have applied since 21 December 2001. They set out standards to be met in the collection, use, disclosure and handling of personal information.

Our Privacy Policy outlines how we manage personal information. It applies to any personal information you provide to Aon and any personal information we collect, use, disclose or handle about individuals from other sources. Updates of our Privacy Policy can be accessed by contacting our Privacy Officer.

Aon Australia

The Trustee is a subsidiary and related company of other companies in the Aon Group of companies in Australia (Aon Group). Aon Group has adopted a Privacy Policy which complies with legal requirements. The Trustee’s Privacy Policy is consistent with the principles of the Aon Group policy.

The Privacy Policy Statement

The Privacy Amendment (Private Sector) Act 2000 (the Act) applies as from 21 December 2001. Under the Act, the Trustee must advise members how it collects, uses, stores, discloses and allows them to access, correct and update personal information. The Trustee collects personal information from members and, (if their employer contributes to the fund, from the employer) when members join the fund and from time-to-time during their membership (such as changes to name, address, contributions, death benefit nominations, etc).

The personal information supplied to us is used for the purposes of establishing membership in the fund, processing contributions, providing fund benefits and complying with applicable laws and regulations. If the member or their employer do not provide complete and correct information, then their benefit may be restricted or incorrect. The information that the Trustee seeks to hold for members is detailed in Appendix A.

The Trustee may disclose member information to third parties listed generically in Appendix B to assist them in providing services to the fund and providing benefits. Contact details are set out in each annual report. The Trustee has appointed a Privacy Officer to ensure the Trustee and its suppliers and service providers comply with the Act. This is achieved by adhering to the Privacy Policy implemented by the Trustee and monitoring the administrator and other third parties. The Privacy Policy is based on the ten National Privacy Principles (NPPs), which relate to:

  • collection of personal information
  • use and disclosure of personal information
  • quality of data — personal information must be kept up to date, accurate and complete
  • security of data — personal information must be protected from unauthorised access etc
  • freedom of information — each organisation covered by the Act must prepare a management document for the treatment of personal information, which is provided to anyone on request
  • access and correction — individuals may obtain their personal information and require that it be corrected if necessary
  • identifiers — an organisation must not adopt identifiers used by federal agencies unless specifically provided by law (e.g Tax File Number)
  • anonymous dealings — an individual must have the option, generally speaking, to interact anonymously with organisations
  • data flow offshore — is only allowed if handled consistently with those principles
  • sensitive information — additional restrictions on collection and use will apply for this type of information.

Fund Members and other persons are entitled to request access to their personal information held by the Trustee and to ask the Trustee to correct this information where they believe it is incorrect or out-of-date. If they discover an error or missing information and notify us it will be rectified as soon as is practicable. No fees will be levied for most inquiries; however, the enquirer may be charged the expenses of research, retrieval and photocopying etc.

If an individual has any questions about the personal information that is being held by the Trustee, or requires a copy of the Trustee's full Privacy Policy this can be requested by completing the Member information request form or by contacting the Privacy Officer as follows:

Privacy Officer
Aon Superannuation Pty Limited
GPO Box 534
Sydney NSW 2001

Individuals who have a complaint may need to write to the Privacy Officer who will try to resolve the issue with the assistance of the fund's administrator. If the Privacy Officer is unable to resolve the issue, the matter will be passed on to the Trustee. A decision can generally be expected within 90 days.

Where the matter cannot be resolved to the satisfaction of the enquirer, he or she may refer it to the Privacy Commissioner.

Why the Trustee collects personal information

The Trustee collects personal information to offer, provide, manage and administer the many superannuation services and products it is involved in. Collecting personal information also allows the Trustee to meet its legal obligations.

The Trustee also collects personal information to be able to develop and identify products and services that may interest members, conducting market or customer satisfaction research, developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of respective products and services.

What kind of personal information is collected

The usual type of personal information collected about Fund members includes name, postal or email address, date of birth, employment details and financial details etc. The Trustee may also need to collect sensitive information about members in relation to life and workers compensation insurance, health information, sexual preferences and criminal record.

If members do not provide the information requested, the Trustee or those involved with the provision of the service or product, may not be able to provide the appropriate type or level of service or product.

How personal information is collected

Personal information is generally collected directly from the relevant individual through application or other forms but in some cases it may be collected indirectly from a third party.

Who personal information is disclosed to

Personal information is disclosed to third parties who the Trustee believes are necessary to assist in providing, managing and administering the services provided and products the Trustee is involved in.

For example:

  • related companies and alliance partners who may wish to tell members about their services, products or promotional opportunities which may be of advantage to members, unless the member asks not to receive the information
  • member representatives such as lawyers, accountants, financial advisers etc
  • financial planners, brokers and those who are authorised by the Trustee to review member needs and circumstances from time-to-time
  • for insurance products — insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, Trustee advisers such as loss adjusters, lawyers and accountants, and others involved in the claims handling process
  • service providers and specialist advisers who have been contracted to provide the Trustee with administrative, financial, insurance, research or other services
  • courts, tribunals and regulatory authorities as agreed or authorised by law, eg the Australian Taxation Office, the AML authority
  • anyone authorised by an individual, as specified by that individual or the contract.

Generally, the Trustee requires third parties that handle or obtain personal information as service providers to the Trustee meet the relevant requirements of the National Privacy Principles set out in the Privacy Act 1988 and only use and disclose it for purposes agreed by the Trustee.

How personal information is used

The Trustee uses the personal information it holds to establish and manage superannuation accounts, enhance customer service and product options and giving fund members ongoing information or opportunities that the Trustee believes may be relevant to member’s financial needs and other circumstances. If it is intended to use the information differently the Trustee expects that it would first amend this Policy and tell members about the changes.

Security of personal information

Personal information may be stored in hard copy documents, as electronic data, or in software or systems. The Trustee endeavours to protect any personal information that it holds from misuse and loss, and to protect it from unauthorised access, modification and disclosure. Some of the ways this is achieved are:

  • confidentiality requirements on employees
  • policies on document storage security
  • security measures for access to systems
  • only providing access once proper identification has been given
  • controlling access to premises
  • website protection measures.

Transfer of information overseas

The Trustee may transfer personal information overseas where it is necessary for the purposes described above. For example, some insurers or reinsurers may be based overseas and the Trustee may need to provide personal information to them to arrange insurance cover. As noted above, any such service providers are expected to have in place in their operation outside Australia privacy policies that are similar in nature and scope to this policy.

Keeping information up-to-date and accessing it

The Trustee takes reasonable steps to ensure that fund members’ personal information is accurate, complete, and up-to-date whenever it is collected, disclosed or used.

The Trustee will, on request, provide members with access to information held about them, unless there is an exception which applies under the NPPs. Things that may affect a right to access include:

  • access would pose a serious threat to the life or health of any individual
  • access would have an unreasonable impact on the privacy of others
  • a frivolous or vexatious request
  • the information relates to a commercially sensitive decision making process
  • access would be unlawful or denying access is required or authorised by law (eg the Trustee has a duty of confidentiality to clients and will not provide access to personal information about an individual if it will breach that duty)
  • access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function, or negotiations with the individual
  • legal dispute resolution proceedings.

Where an individual requests access and it is denied the Trustee will provide reasons for the denial and inform of any exceptions relied upon.

Access to correct or update personal information

Fund members may contact the Privacy Officer to get a form requesting access. A request to provide information will be dealt with in a reasonable time and the Trustee may require prior payment from the enquirer for reasonable cost of supplying this information.

Opting out of receiving marketing information etc

If the Trustee sends an individual any information about services or products, or a member does not want us to disclose personal information to any other organisation (including related bodies corporate) the member can opt out by contacting the Privacy Officer or by sending a completed Member information request form.

Dealing with the Trustee anonymously

Where lawful and practicable to do so an individual can deal with the Trustee anonymously eg general inquiries about the services that can be offered.

How to contact the Trustee

If a member wishes to gain access to personal information, or complain about a breach of privacy or has any query on how personal information is collected or used, or any other matter relating to our Privacy Policy a member can:

  • speak directly with the staff of our administrator who will do their best to try to resolve the issue as simply as possible
  • complete a Member information request form so the Privacy Officer can consider the matter.

Cookies — what they are and how we use them

When you visit some websites they generate pieces of text called cookies. Cookies contain personal information about your preferences, like what pages you visited and what browser settings you are using.

The cookie is stored in your computer and automatically transferred from your computer to the website. The website provider can access this information whenever you connect to the same website on the same computer. This is done to facilitate the flow of information between your computer and the website, making your visit more effective.

When you visit the fund website cookies are created to give you access to certain pages without having to log in each time you visit. The Trustee may also use independent external service providers to monitor usage of the website.

By changing your preferences and options in your computer's browser you can choose if and how a cookie will be accepted. However, if you disable the cookie acceptance in your browser you may not be able to access some parts of aonmastertrust.com.au

Calculators

The superannuation calculators on the fund website are designed to help you make informed choices with certain financial decisions. The Trustee does not collect or record the personal information you enter when using the calculators on the fund website.

Links to third party websites

The Trust website has links to external third party websites including ebenefits.com.au and aon.com.au

The Trustee's Privacy Policy, standards or procedures do not cover these third party websites. When visiting third party websites the Trustee recommends that you read the privacy statement for the website you have chosen to use.