Privacy Policy
1. About This Policy
This Privacy Policy explains how Smart Compare Health Insurance collects, uses, stores and discloses personal information.
Our comparison and referral service is provided in connection with ItsMy Group Pty Ltd (ABN 85 167 289 965), trading as ItsMy Health.
2. Information We May Collect
We may collect information such as:
- Your name;
- Telephone number;
- Email address;
- Postcode and location;
- Age or date of birth;
- Family or relationship status;
- Current health insurer and policy details;
- The type of cover you are seeking;
- Information about healthcare needs or preferences;
- Records of telephone calls, emails, messages and enquiries;
- Application and policy information;
- Marketing preferences; and
- Technical information about your use of the website.
Some information relating to your health may be sensitive information.
We will collect sensitive information where you provide consent or where collection is otherwise authorised or required by law.
3. How We Collect Information
Information may be collected when you:
- Complete a website form;
- Speak with a comparison consultant;
- Communicate by telephone, email or SMS;
- Request a quote or comparison;
- Apply for a policy;
- Use the website; or
- Otherwise provide information to us or ItsMy Health.
4. Why We Collect Information
We may use information to:
- Respond to your enquiry;
- Understand the type of cover you are seeking;
- Prepare and explain comparison information;
- Refer you to ItsMy Health or a participating insurer;
- Assist with an insurance application;
- Verify information;
- Administer and improve the service;
- Manage complaints;
- Prevent fraud or misuse;
- Meet legal and regulatory obligations; and
- Send marketing communications where permitted.
5. Disclosure of Information
Information may be disclosed to:
- ItsMy Group Pty Ltd, trading as ItsMy Health;
- Participating private health insurers;
- Consultants and authorised service providers;
- Website-hosting, CRM, communications, analytics and information-technology providers;
- Legal, accounting and professional advisers;
- Government agencies, regulators or law-enforcement bodies where required; and
- Other parties where you have consented or disclosure is authorised by law.
We do not state that information will never be shared. Information may need to be shared to provide the comparison service and process an application.
6. Overseas Storage and Access
Some technology or service providers may store or access information outside Australia.
Where overseas handling occurs, we will take reasonable steps required by applicable privacy law to protect the information.
7. Marketing Communications
Where permitted, Smart Compare Health Insurance, ItsMy Health or an authorised provider may contact you about your enquiry or related services.
You may opt out of marketing communications by using the unsubscribe option provided or asking the sender to stop.
Opting out of marketing does not prevent necessary communications about an active enquiry, application, policy or complaint.
8. Website Cookies and Analytics
The website may use cookies and similar technologies to:
- Operate website functions;
- Remember user preferences;
- Measure traffic and performance;
- Detect security threats; and
- Improve advertising and marketing.
You may adjust cookie preferences through your browser or the website’s cookie-consent controls.
9. Security
We take reasonable steps to protect information from misuse, interference, loss and unauthorised access, modification or disclosure.
No internet transmission or storage system can be guaranteed to be completely secure.
10. Access and Correction
You may request access to personal information held about you or ask for inaccurate information to be corrected.
We may need to verify your identity before processing a request. Access may be limited where permitted or required by law.
11. Retention
Information will be retained for as long as reasonably required for the purpose for which it was collected, to manage an enquiry or application, and to meet legal, contractual and record-keeping obligations.
Information that is no longer required may be securely deleted or de-identified where appropriate.
12. Privacy Complaints
Privacy questions or complaints may be submitted through our Contact Us page.
Please provide enough information for us to understand and investigate the concern.
If you are not satisfied with the response, you may be entitled to contact the Office of the Australian Information Commissioner.
13. Changes to This Policy
We may update this Privacy Policy when our practices, technologies, relationships or legal obligations change.
The current version will be published on this website with its updated date.
For any privacy-related questions, contact us at info@smartcomparehealthinsurance.com.