Privacy policy


The Council of Australian Life Insurers (CALI) Privacy Policy explains how CALI manages personal information that we may collect, use, manage and disclose for the purpose of our functions and activities. 

CALI considers itself bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles under that Act (Privacy Act) and the terms of this Privacy Policy.

By providing CALI with sensitive information identified in this Privacy Policy or any privacy collection statement (PCS), you consent to collection, use, management and disclosure of such sensitive information in accordance with and as set out in this Privacy Policy and/or PCS.

If you provide CALI with the personal information of another individual, you warrant that you have informed them of this, provided this Privacy Policy (and any relevant PCS) to them and that you have their permission to provide their personal information to CALI. And where you have provided CALI with sensitive information of another individual you agree that you have obtained that individual’s consent for CALI to collect, use, manage and disclose their sensitive information in accordance with this Privacy Policy and any relevant PCS.

1. Types of personal information collected, used, managed and disclosed

The personal information CALI collects and manages may include your name, title, date of birth, address, employer details and the personal information you provide on the CALI Website, Member Portal and other sources (which can include photographs, audio and video recordings of you attending our events) that are relevant to the performance of CALI’s functions or activities.

1.1. Purpose of collecting, using, managing and disclosing personal information

CALI collects, manages, uses and discloses your personal information for the purpose of pursuing legitimate activities.

Specific purposes include:

  • Enabling CALI to communicate with members and other organisations and individuals that are party to the life insurance environment; and
  • to identify, understand and respond to the political, social, business, regulatory and economic environment; and 
  • to represent the interests of the life insurance industry, CALI members and life insurance customers.

1.2. Disclosing personal information

CALI may disclose personal information in compliance with the Australian Privacy Principles (as outlined in the Privacy Act) to:

  • CALI members;
  • organisations as required or authorised by law;
  • external parties such as legal advisers;
  • our representatives, such as our legal advisers;
  • service providers and organisations involved in the provision and maintenance of CALI business and infrastructure;
  • industry representative associations such as APRA and ASIC;
  • those organisations where you have consented or you would have reasonably expected us to.  

Where your personal information is disclosed, CALI will seek to ensure that the information is managed, used or disclosed consistently with the applicable Australian Privacy Principles and other applicable privacy laws and codes. 

1.3. Management of personal information 

CALI will keep your personal information securely, having regard to its nature and source.  Arrangements are in place to safeguard the information against unauthorised access, modification, disclosure and interference and from loss and misuse.

CALI will destroy or permanently de-identify your personal information when it is no longer needed for the purpose for which it was collected.  When destroying personal information CALI will ensure that this is carried out properly and securely.

If you would like more information about how CALI manages your personal information please contact us (see ‘Contact details’ below).

Data transmission over the internet cannot be guaranteed to be 100 per cent secure and as a result, while CALI takes appropriate measures to protect your personal information we cannot guarantee or warrant the security of any personal information you transmit to us via the internet. We take appropriate measures to protect your personal information once it reaches us.


2. How your personal information is collected 

CALI collects personal information directly from you, through your use of the Website, when you subscribe to activities and when you contact CALI in connection with the services CALI provides and/or its functions and when you access/use the Member Portal. 

Where CALI considers that you may not be aware that personal information has been collected about you we will take appropriate measures to let you know that your personal information was collected, the purpose of collecting it and to whom we would usually disclose the information to.

2.1. Cookies

A cookie is a small amount of information which is transferred to the hard drive of your computer and which can identify your web browser but not you. Individuals can disable their web browsers from accepting cookies. If you do so, you can still access the Website, but not all services may be available.


3. How your personal information is used 

CALI only collects personal information about you for purposes directly relating to our functions or activities, including:

  • recording contact details through a customer relationship management system;
  • collecting submissions and views regarding the political, social, business, regulatory and economic environment in Australia to purposefully advocate for changes to practice and to improve outcomes for life insurance customers;
  • arranging, promoting and hosting of events held or supported by CALI;
  • distributing registration materials for events, confirming registration, receiving speakers’ papers and other presentation materials;
  • sharing information via the CALI Weekly Update to individuals and subscribers;
  • hosting forums, Webinars, meetings and alike conventions;
  • providing information in relation to CALI activities and those of its’ Members;
  • analysing and managing information relevant to the life insurance industry;
  • promoting CALI events on the Website and elsewhere;
  • in Committees and Working Groups to note attendees of a meeting, to distribute agendas and notes of meetings, discussion papers, draft submissions or technical questionnaires to attendees of the meeting;
  • processing and the delivery of reports to nominated CALI Member Representatives in relation to a business;
  • to perform our other functions and activities relating to CALI objectives.

3.1. Marketing

The CALI Website and/or Member Portal offers functionality allowing you to opt in to receive information and correspondence from us relevant to you. CALI will only send you information and correspondence when you opt in to receive them and by the means that you choose to receive them. If at any time you do not wish to receive further information and correspondence from us you may unsubscribe by the opt-out option presented in the received correspondence.


4. Access to and amendment of personal information 

You have the right to request access to and/or amendment of your personal information at any time by contacting us (see section 6.1. ‘Contact details’ below). Before giving you access CALI may need to establish your identity by sighting some form of identification or asking you some questions.

Access is subject to some exceptions allowed by law.  For example, CALI can deny you access where access would:

  • be unlawful;
  • pose a serious threat to the life, safety or health of an individual or to public health or safety;
  • have an unreasonable impact on the privacy of others;
  • involve disclosure of a commercially sensitive decision making process.

If we cannot fulfil your request for any reason, CALI will write back to you and explain why. 

If CALI does not agree to provide you access to personal information or to amend your personal information, you may follow the grievance process outlined in section 6. below.


5. Amendments to this privacy policy

CALI may, from time to time, update this Privacy Policy (and any PCS) so please ensure you review it periodically for changes. If any changes are significant or substantial CALI will let you know on the Website and/or other platforms.

Your continued use of the Website, CALI services, participation in CALI programs and activities or the provision by you of further personal information to CALI after notice that the Privacy Policy has been revised will be deemed as acceptance of (and in the case of sensitive information, consent to) the revised Privacy Policy.

This Privacy Policy was last revised on 27 June 2023.


6. Privacy policy grievance 

If you believe CALI has breached its obligations under the Privacy Act, you may report to the Director, Finance at CALI.

Your report may be made by telephone, mail or email (see ‘section 6.1. ‘Contact details’ below).

CALI will acknowledge receipt of your report within 2 business days and will attend to your complaint and endeavour to resolve it within 14 business days. If, after this, you are not satisfied with the outcome, you are entitled to report to the Federal Privacy Commissioner.

The office of the Privacy Commissioner can be contacted on 1300 363 992 or go to the Commissioner’s website at .

We are unable to handle or assist you with a privacy complaint involving a Member. If you have a privacy complaint about a Member, you should take up your complaint directly with the Member concerned.

6.1. Contact details

Director, Finance 

Telephone: (02) 8001 6156

Director, Finance
Council of Australian Life Insurers
PO Box R1823 Royal Exchange
NSW Australia 1225 




If you would like more information about privacy and the Privacy Act (including the Australian Privacy Principles), you can access the Privacy Commissioner’s website at



Personal information: As defined in the Privacy Act and refers to any information which can, directly or indirectly, be used to identify you (or another individual).
Sensitive information: As defined in the Privacy Act