Privacy

LUCRF Super is an accumulation style superannuation fund and is bound by the privacy code as laid out in the Privacy Amendment (Private Sector) Act 2000 (the Privacy Act). The primary purpose of collecting personal information about our members is to manage their participation in the Fund and ensure that they receive their entitlements from the Fund.  This information is collected by the administrator (LUCRF Pty. Ltd.) for the Trustee.

This statement is available to all members of the Fund as required by the National Privacy Principles. 

Information collected

In the course of conducting its activities, LUCRF Super will collect personal information which may include sensitive information about its members.

Under the privacy code, personal information includes all information or opinion about an individual member, and sensitive information is defined as a sub-set of this.  Sensitive information includes information or opinion about an individual's membership of a trade union, sexual preferences or practices, criminal record, or personal health information.

LUCRF Super will not collect sensitive information about a member unless that member has consented, the collection is required by law, or the collection is otherwise permitted by the National Privacy Principles.

LUCRF Super collects the following types of information:

• Title, name and contact information (mail, phone and e-mail)
• Date of birth, gender
• Nominated beneficiaries
• Tax File Number (voluntary, see note on application form)
• Employer
• Health status and occupation (for insurance purposes)
• Incoming Rollover and Transfer information including the account balance and components, tax status, preservation, TFN, service years, pre 1983 service.
• The level of Insurance cover you have selected
• Whether or not you have ever lodged a claim for total and permanent disability
• LUCRF Super will also collect information necessary to make decisions concerning applications for early release of benefits on the grounds of financial hardship or compassionate grounds; claims for total and permanent disablement and Insurance claims for death and total and permanent disablement benefits.  This information is necessary for the purposes of deciding such claims and includes health information, financial information and other information relevant to such claims.

Data quality

LUCRF Super is under an obligation to take reasonable steps to ensure that personal information is accurate, complete and up-to-date.  Failure to update information or the provision of inaccurate information could result in you losing track of your superannuation, unnecessary hassles for your preferred beneficiaries in the event of your death, the unnecessary payment of the government’s surcharge and excessive taxes being levied on your superannuation benefit if your correct tax file number has not been supplied to the Fund.

Data Security

Your personal information is kept in a secure building with a comprehensive security system which is under surveillance 24 hours a day seven days a week.  Access to information both printed and electronic is restricted.  Electronic data held in the computer can only be accessed by the use of two separate passwords and user ID. Archived printed information is kept by a document security company and is destroyed when there is no longer a legal requirement to keep it, usually after seven years.

The data is accessed only by appropriately authorised personnel and is handled with care.  It is used only for the proper management of the Fund and its functions, and for the purposes of the Fund.

LUCRF Super will continue to monitor and review its security arrangements and ensure staff and management are made aware of organisational systems for the processing, storing and transmitting of personal information and the protective security policies associated with this.

Disclosure

LUCRF Super only uses or discloses personal information about its members for the primary purpose for which the information is collected.  Personal information will not be used or disclosed for a secondary (related) purpose except in accordance with the National Policy Principles.

LUCRF Super may use or disclose personal information for a secondary purpose where the secondary purpose is related to the primary purpose of collection (or, if the personal information is sensitive information, directly related to the primary purpose of collection) and the member concerned would reasonably expect LUCRF Super to use or disclose the information for that secondary purpose.

LUCRF Super may also use or disclose personal information about a member for a secondary purpose if it has obtained the member's consent (either express or implied consent).

It may be necessary to disclose sensitive information for the purposes of dealing with claims for Insurance upgrade, early release of benefits because of financial hardship or compassionate grounds, or health information and other information relevant to claims for total and permanent disability or Insurance claims for total and permanent disability or death.  This information may be disclosed to third parties including the Fund’s and the claimant’s legal advisers, the Fund’s Insurance underwriters, or the Superannuation Complaints Tribunal in the event of a dispute.

LUCRF Super may also be required or authorised to provide personal and/or sensitive information under law such as pursuant to Family Law legislation, Taxation legislation, Social Security legislation or Guardianship legislation, and may otherwise be required to provide such information in the course of criminal investigations or procedures.  In these circumstances information will only be released in accordance with the requirements of the law.  Where such information is disclosed it will be recorded in writing unless the law requires that it not be so recorded.

Personal and/or sensitive information may also be disclosed by LUCRF Super in accordance with the Superannuation Industry (Supervision) Act 1993 to other superannuation funds, Retirement Savings Accounts and other rollover entities at the time that the benefit is rolled over.

Access

With certain exceptions members have a right to access all of the personal information that the Fund holds about them.  In some circumstances (for example, where an investigation for fraud is being conducted) the member concerned may not have access to information collected in relation to them.  In circumstances where access to personal information is refused, LUCRF Super will advise the member concerned of the reasons for the refusal. 

LUCRF Super may in some circumstances not reveal the formulae or details of evaluation processes which it uses for its commercially sensitive decisions, but will provide access to the resulting information where it concerns individual members.

Where LUCRF Super uses a service provider (e.g. a lawyer, accountant or mailing house or service for the printing of membership cards and sending out of mail) and it is necessary to provide information to the service provider concerning a member, the member will be informed of such disclosure as required by the National Privacy Principles.  LUCRF Super has sought from each of its service providers an undertaking in writing that any information held by them concerning members of the Fund will be treated consistently with the provisions of the privacy legislation and National Privacy Principles.

A request by a member for accessing personal information about them should be made in writing and be signed.  The request should identify whether the member wishes to access all the personal information held about them or only part of that information.

Once a written request has been received, if granting access is straightforward a copy of all of the requested information held about the member will be sent to the member within 14 days; if access is more complicated it will be sent within 30 days.

Direct marketing

LUCRF Super does not engage in direct marketing.  LUCRF Super does forward brochures and information concerning services provided by third parties to members but does not release the names, addresses or any other personal details regarding its members to third parties.  Where a member objects to receiving such material and informs LUCRF Super of this that member will be removed from that mailing list for this purpose.

Complaints Procedure

If you believe that your privacy has been interfered with by LUCRF Super you may make a complaint in writing to:

“The Privacy Officer”
LUCRF PTY LTD
PO Box 211
NORTH MELBOURNE   VIC   3051

Your complaint should set out the full details of the nature of the complaint.  If your complaint has not been resolved to your satisfaction you have a right to refer your complaint to the Privacy Commissioner whose address is as follows:

Privacy Commissioner
GPO Box 5218
SYDNEY  NSW   1042

Read more about our complaints and enquiries policy.

• Other Documents

• Privacy Policy

  This statement is available to all members of the Fund as required by the National Privacy Principles.

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