Privacy Policy
BACKGROUND
This Privacy Policy applies to all services, websites, platforms and applications offered by VYM HOLDINGS PTY LTD ATF VYM TRUST (ABN 6625 887 075) trading as privatehealthexpert.com.au (“we”, “our”, “us”).
This Privacy Policy outlines what kinds of information we collect, why we collect this information, what it is used for and how we handle it.
We are committed to protecting and respecting your privacy and will treat your personal information in accordance with the Australian Privacy Principles (APPs) as set out in the Privacy Act 1988 (Cth).
WHAT INFORMATION WE COLLECT
When you interact with our Website you may voluntarily provide information to us or we may collect information automatically or from third parties. In particular we may collect the following information from you:
Contact Information
Your name
Email address.
Telephone numbers.
Related contact information.
Healthcare Information
Your family status.
Health conditions you may wish to cover.
Age and year of birth.
Your existing insurance policy provider.
Device / Browser Data
Webpages you visit.
Time spent on our webpages.
Actions you perform on our Website.
Devices and programs you use to access the Website.
Account preferences such as language.
Related device and usage information.
Log Data
IP addresses.
Operating system versions.
Timestamps for access to pages on our Website.
Related log data.
WHY WE COLLECT, HOLD AND USE INFORMATION
In general collect information for the following purposes:
Provision of the services: your personal information may be provided to our partners and participating suppliers who have agreed to provide you with information about products and services that may interest you.
To communicate with you: we may use your personal information to provide you with customer support and to send you offers or reminders, provide you with quote and comparison results or to contact you about services and products that may interest you.
Optimising or improving our services: we may use your personal information to improve and maintain our Website.
Marketing and advertising: we may use your personal information to market and advertise products and services to you. We use your personal information to ensure that these offerings are customised to your needs. By using the Website you consent to the collection of such data and receiving email or SMS communications from us or our partners.
Where you use or access the Website we process your data in the following ways where you have consented, we need the data to fulfil a contractual responsibility or where we have a legitimate interest in improving the Website.
Contact Information
We only use contact information to send you information about the services and send you marketing information (if you have opted-in to receiving such information).
Example: we may use your email address, telephone number or other contact information to provide information about the platform, answer queries or handle complaints.
Healthcare Information
We only use your healthcare information to provide you with further information regarding healthcare products and services that may be of interest to you.
Example: we may use your responses to healthcare questions to seek a more appropriate healthcare policy that will meet your individual requirements.
Device and Browser Data
We may use device and browser data to analyse how you use our services in order to make improvements to the Website.
Example: we may collect information about the types of surveys you create, your transactional behaviour, your access patterns and similar data to help direct you how to better use the Platform.
Log Data
We use log data that is automatically collected by the Website for various business purposes including to create new services, track behaviour in a de-identified manner, fix bugs and investigate security issues.
Example: we may collect information such as your IP Address in order to determine whether unauthorised use is occurring.
STORAGE AND TRANSFER OF INFORMATION
We take the security of all user data very seriously and hosts all data within data centres that have implemented industry best-practice security systems.
Access to our systems is only permitted by approved employees and contractors and requires the use of passwords and two-factor authentication.
All information and data is stored on secure servers in Australia and the United States of America, and we ensure that any recipient of data has appropriate levels of protection in place to protect your information.
SHARING INFORMATION
We do not share your information with third parties except in the limited circumstances set out in this part.
If you are a Client, your account information and data will be shared with your nominated account administrator who shall have the power to view your account data, reports derived from Participant Data, change your passwords, suspend your account or change your settings.
We may also share Client information with third party services providers in order to:
to process payments;
to detect fraud;
to help track our Website and Platform metrics;
to provide sales and customer support services;
In each case where we share information with third parties we enter into confidentiality agreements to ensure high levels of confidentiality.
We may in addition be required to share information for the purpose of:
meeting our obligations pursuant to any applicable law, regulation or in response to a government request;
to enforce our Terms, including in the investigation of any potential violations;
to facilitate a sale, merger or public listing of our business.
YOUR RIGHTS
You have the right to ask for access to personal information that we hold about you, and ask that we correct that personal information. You can ask for access or correction by contacting us and we must respond within 30 days. If you ask, we must give you access to your personal information, and take reasonable steps to correct it if we consider it is incorrect.
We will ask you to verify your identity before we give you access to your information or correct it.
If we make a correction and we have disclosed the incorrect information to others, we will inform those other parties where it is reasonable to do so.
If we refuse to correct your personal information, you can ask us to associate with it (for example, attach or link) a statement that you believe the information is incorrect and why
We may maintain a copy of the unrevised Personal Information in our records for the duration necessary to comply with our obligations to our affiliates and partners, and our legal obligations, as long as your user account remains active, to enforce our agreements, resolve disputes, and unless a longer retention period is required or permitted by law.
Our retention period is set by internal policies that may vary from time to time and once the retention period expires, Personal Information shall be deleted automatically. The right to access, the right to erasure, the right to rectification, and the right to data portability cannot be enforced after the expiration of the retention period.
PROTECTION OF CHILDREN
Persons under the age of 18 may not use any of the Services and must not submit any Personal Information .
If you believe that a person under the age of 18 has provided Personal Information to us, please contact us immediately to request that we delete that person’s Personal Information from our Services.
We ask that all parents and guardians overseeing the care of children take all necessary precautions to ensure that their children never give out Personal Information when online.
THIRD PARTY LINKS
Our Website may include links to the third-party websites or may redirect you to such third-party websites. These third-party sites are not under our control and we are not responsible for the content of any third-party websites and/or any links contained in the third-party websites.
We only provide these links to the third-party websites for your convenience and you are subject to the terms and conditions of those third-party Websites when you visit them. We encourage you to carefully review the legal and privacy policies of all other websites that you visit.
COOKIES
Cookies are text files stored on your web browser to provide a means of identifying you to our Website.
To better serve you, we occasionally use "session cookies" to enhance or customize your visit to this website. Session cookies can be created automatically on the device you use to access this website but do not contain personal information and do not compromise your privacy or security.
The software or hardware that you use to access the Website will allow you to refuse new cookies or delete existing cookies. Refusing or deleting these cookies may limit your ability to take advantage of some features of this Website.
CHANGES TO THIS PRIVACY POLICY
We may make changes to this Privacy Policy from time to time by publishing a notice identifying the changes we have made on this page.
If a change to the Privacy Policy materially affects the manner in which we collect, use or share your information, we will send a notice of this change to you prior to implementing the change.
COMPLAINTS AND REQUESTS
If you wish to make a complaint about the manner in which we have handled your personal information you can do so in writing at victor@privatehealthexpert.com.au.
Where we have received a complaint from you we will determine what (if any) action we should take to resolve the complaint within 30 days and advise you of the outcome..
If you are not satisfied with our response to your complaint you may request a review by a more senior person
or you can complain to the Office of the Australian Information Commissioner.