Privacy Policy

1. Application

This Privacy Policy applies to NobleOak Life Limited and its controlled subsidiaries collectively referred to as “NobleOak” in this document.

We require our employees and agents (wherever they are located) to comply with this Privacy Policy and the Australian Privacy Principles (APPs).

2. Personal information

“Personal information” is information or an opinion about a person that identifies the person or from which the person’s identity can be reasonably ascertained. “Sensitive information” includes medical and health information about that person.

NobleOak (“we”, “us” and “our”) is bound by the Privacy Act 1988 (Cth) (Privacy Act), including the 13 APPs which protect personal information. NobleOak respects your right to privacy and values the trust you place in us to handle your personal and sensitive information. Maintaining the privacy of all personal and sensitive information entrusted to us is paramount.

3. Anonymity

The Privacy Laws provide individuals with the right not to identify themselves or use a pseudonym when transacting with organisations. When applying for Life insurance, it is not practicable for a Life insurance company to allow a person to remain anonymous or the use of a pseudonym, due to life insurance industry risk selection requirements.

4. Collection of personal information, including sensitive information

NobleOak only collects personal information that is needed to assist us in providing a service to you and your family/employees. When you provide your personal information to us, you are consenting to its use in accordance with this Policy.

Generally we keep a record of:

• Personal information that identifies you, such as your name, date of birth and address, your financial institution details or credit card details, your vocational and your lifestyle pursuits;
• Sensitive information about you including, amongst other things, health information for the purposes of assessing applications and claims under Life insurance products. We will obtain your consent before we collect sensitive information about you, unless we are otherwise permitted by law to make the collection;
• Information from other service providers we use in the Life insurance application process and administration of your Life insurance cover, such as medical practitioners, pathologists, and other service providers we utilise for the purposes of assessing your Life insurance application and managing any claim;
• If you are a client utilsing our Wealth Maximiser wealth coaching service: Information necessary for NobleOak Services to provide to you wealth coaching, such as your income, expenses, assets and liabilities.

We will collect personal information, including sensitive information, directly from you or from your nominated treating doctor or other health provider. If we need to collect personal or sensitive information from third parties (such as the service providers mentioned above), we will ask for your consent to do so.

NobleOak doesn’t ordinarily return, respond to, or store unsolicited personal information that we receive.

5. Use and disclosure of personal information

NobleOak will only use or disclose personal information that you provide to us for:

• The purpose of assessing and providing your life insurance cover and managing your policy including any claims, or
• The purpose of developing insights and conducting data analysis to improve the delivery of services and products, in which case we may provide it to third party organisations, such as those that conduct surveys, customer reviews or ratings on our behalf. When we do this, the data we provide will be limited to the minimum data required for that activity and those companies are required to keep the information secure and confidential and only use it for the agreed purpose, or
• another purpose which has been disclosed to you, with your consent, or
• if we are required or authorised by law to do so.

NobleOak may also disclose personal information (but not sensitive information) to a third party with whom we have marketing or distribution arrangements for our insurance products, if we obtain your consent.

Following your consent, we may disclose your personal and sensitive information to the appointed service providers where this information will assist with processing your Life insurance application and any changes you seek to make to it. You can also request that we disclose information to another person on your behalf.

If you are a client utilsing our Wealth Maximiser wealth coaching service: Any information provided to NobleOak in connection with your NobleOak life insurance policy will not be used for the purposes of NobleOak Services providing your wealth coaching service, unless you provide your consent.

If you provide personal information (including sensitive information) to us through our online forms functionality or through the smart chatbot on our website, the information you provide will be held by a third party. However, they will not use personal information for their purposes. They only hold it for NobleOak. In the case of our online forms functionality, your information is held by a third party (EasySend) who provides us with the functionality. The information is held only momentarily by EasySend on a secure Amazon Web Services cloud platform (based within Australia) for the purpose of being transmitted to us. In the case where you interact with our smart chatbot, personal information you type into the chatbot is held by Intercom, our chatbot service provider. They store the information for NobleOak and can only use it for the purpose of providing the chatbot functionality; the information is held securely in their cloud platform within Australia in an account designated to NobleOak (NobleOak can access the information at any time and use it as described in this Privacy Policy).

We will take reasonable steps to ensure that these third parties are also bound by the Privacy Act, confidentiality and non-disclosure principles and are prohibited from using your personal information for any other purpose than those described in this Privacy Policy. However, we will not accept responsibility for the unauthorised use of personal information by third parties.

We may also disclose your personal information to our related companies.

6. Cross border disclosure of information

NobleOak is committed to handling your personal information in accordance with the Privacy Laws and the Australian Privacy Principles. We operate all of our offices in Australia in line with the Australian Privacy Principles and our Australian Privacy compliance framework. Currently all your personal and sensitive information is stored and accessed in Australia with one exception outlined below. If this changes, we will amend this Policy to detail any overseas countries where data may reside.

If you are the holder of the Professionals Choice insurance product issued through the PPS Mutual Benefit Fund, your personal information is stored in Australia and accessed by secure network by the PPS Mutual Benefit Fund Administrator, the Professional Provident Society in South Africa. Your information is handled in line with the Australian Privacy Principles and our Australian Privacy compliance framework.

Our on-line chat facility located on the NobleOak website is hosted by a service provider who retains the information in the United States of America. This facility is used for general enquiries. NobleOak does not currently collect sensitive personal information through this facility.

If you are a member of the Neos Benefit Fund and have a claim, some of your personal information including your name, tax file number, date of birth and bank account information may be stored in an encrypted accounting system located in the United States.

Please let us know if you have any queries or objections to such disclosures.

7. Government-related identifiers

NobleOak will not use Government-related identifiers (such as a Medicare number) as our reference number for you in our systems. We will only use or disclose any government identifier that you provide to us as required (such as to assist with a claim assessment) or where authorised by law.

8. Security

NobleOak will take reasonable steps to protect personal information entrusted to us from misuse and loss and from unauthorised access, interference, modification and disclosure. All information entrusted to us will be securely stored in physical and/or electronic form.

Where we no longer require your personal information, we will take reasonable steps to destroy or permanently de-identify that information.

NobleOak has internal procedures which require our people to ensure the safe handling and storage of all private and confidential information including procedures for safe custody and transit of information both inside and outside of NobleOak.

A data breach occurs when personal information is accessed or disclosed without authorisation or is lost. In the unlikely event that such a breach occurs NobleOak will assess the impact of the breach and if there is the likelihood of any serious harm to you then we will contact you about the breach and advise of the action we have taken including any reporting of the breach to the Australian Government’s Office of the Australian Information Commissioner (OAIC).

9. Access and correction of information we hold about you

NobleOak is committed to keeping up-to-date records of your personal information. We will take reasonable steps to ensure that any personal information collected, used or disclosed by us is accurate, complete, and up-to-date.

If NobleOak holds personal information about you, you might request access to that personal information. However, the law allows us to decline access in limited circumstances. We may charge you a reasonable fee for providing you with access to that personal information.

You may request access to your information from NobleOak at any time and can find out what information we hold about you by contacting the NobleOak Privacy Officer via email at: [email protected]. NobleOak will deal with any access or correction request in a timely manner. If you establish that personal information held by us is not accurate, complete, relevant, up-to-date or is misleading, we will need to satisfactorily identify you first, then we’ll take reasonable steps to correct the information so that it is accurate, complete, relevant, up-to-date, and not misleading. If we refuse to provide you with access or to correct such information, we will provide you with written reasons for our denial of access or refusal to correct your personal information.

10. Direct marketing

When you provide contact information to us, you agree to us contacting you in relation to promoting our products and services, assessing your application and administering your policy or claim. In doing so, we may provide personal information about you to a related company or service provider. If you are unsure where we first obtained your contact information, you may ask us to provide the source of that information. If you do not wish to receive information on other products or services offered by or through us, please contact us. NobleOak may receive basic information about you (such as your name and email/address) from one of our alliance partners (such as another friendly society or association of which you are a member) as part of a referral program established between NobleOak and the alliance partner. We may also provide basic information about you (your name, email details and type of policy) to the alliance partner which referred you to NobleOak as part of the referral program management.

11. Cookies and website monitoring

NobleOak may use “cookies” to collect online traffic data, including data from third parties such as Google, to enhance the online experience for our site visitors, digital advertisement targeting and for researching our markets. A cookie is a small text file that our site may place on your computer as a tool to remember website search preferences. You may refuse the use of cookies by selecting the appropriate settings on your browser, however this may affect the functionality of our website.

NobleOak may use reports provided by Google Analytics and other service providers to help us understand website traffic and webpage usage. We analyse user activity on the website, such as pages visited, search terms and time spent on the site to help us gain insights about how we can improve the functionality and experience of the website for our site visitors. We also use information provided by third parties such as Google, including Google Analytics Remarketing cookies, for remarketing activities and to improve user experience.

By using this website, you consent to the processing of data about you by Google in the manner described in Google’s Privacy Policy and for the purposes set out above. You can opt out of Google Analytics if you disable or refuse the cookie, disable JavaScript, use the opt-out service provided by Google or change your Google account privacy settings.

12. EU General Data Protection Regulation (GDPR)

NobleOak’s products and services are available to Australian residents in Australia only. Accordingly, the Australian Privacy Laws and the APP’s apply to NobleOak.

Where a NobleOak client advises us that they are also a citizen of an EU country subject to the GDPR then NobleOak will update our records about the client’s EU citizenship status and have regard to the specific requirements of OAIC Guidelines in respect of Australian businesses and the EU General Data Protection Regulation. Further details may be obtained from the NobleOak Privacy Officer at [email protected].

13. Contacting NobleOak

General privacy enquiries should be directed to the NobleOak Privacy Officer at: [email protected].

14. If you have a privacy complaint

NobleOak takes a best practice approach to addressing privacy complaints. Upon receipt of a complaint, it will be immediately escalated to NobleOak staff with the appropriate knowledge of the Privacy Act. We will then issue you with a timely response that, if appropriate, will outline the measures that NobleOak will take to resolve the complaint.

You may make a privacy complaint directly to NobleOak via:

• Emailing us – [email protected]
• Phoning us – 1300 551 044 during 8:30am – 5:00pm Sydney time
• Mailing us – GPO Box 4793, Sydney NSW 2001

NobleOak’s objective in all cases will be to resolve your complaint promptly.

However, if you feel that we have not satisfactorily addressed your complaint, you may also make a complaint to the Australian Government’s Office of the Australian Information Commissioner (OAIC) via the following channels:

Online at: https://www.oaic.gov.au/individuals/how-do-i-make-a-privacy-complaint or

In writing to: GPO Box 5218 Sydney NSW 2001.

The OAIC can also be contacted via telephone by calling 1300 363 992, faxing 02 9284 9666 or by emailing [email protected].

15. Changes to this Privacy Policy

NobleOak may update this Privacy Policy at any time to ensure that this Privacy Policy continues to accord with our business operations and the law regulating privacy in Australia. We encourage any person that discloses personal (including sensitive) information to NobleOak, to visit this page periodically.

NobleOak Life Limited
Level 4, 44 Market, Sydney NSW 2000
Telephone: 1300 551 044
Email: [email protected] 

Issue Date: 28 March 2024

Shareholder Privacy Policy

This Privacy Policy applies to NobleOak’s life insurance operations in respect of its customers and other stakeholders transacting personal information with NobleOak in the course of NobleOak’s life insurance operations. NobleOak has issued a separate Privacy Policy applicable for its shareholders relevant to their relationship with NobleOak which is available at https://www.nobleoak.com.au/corporate-governance/.