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Virgin Life Insurance and Income Protection is promoted by Virgin Money (Australia) Pty Ltd and insured by TAL Life Limited (TAL). St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 is the issuer of the unemployment benefit policy. This privacy notice relates to how Virgin Money (Australia) Pty Limited and each of its related bodies corporate, including Virgin Money Financial Services Pty Ltd & Virgin Money Home Loans Pty Ltd  (referred to as “Virgin Money”), TAL and St Andrew's (our, we, or us for the purpose of this notice) collect, use and disclose your personal information.

We collect your personal information so that we can manage your product, send you statements and other information, let you know about features of any rewards program that may be part of your product, respond to your questions, solve your problems, verify your identity, perform administrative functions, conduct customer satisfaction research, improve our products and develop new products and so that we and our related companies and corporate partners can tell you about other products and services you may be interested in.

We may also collect your personal information to comply with legislative and regulatory requirements, for example under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), Superannuation Industry (Supervision) Act 1993 (Cth), Superannuation Guarantee (Administration) Act 1992 (Cth), Insurance Contracts Act 1984 (Cth), Corporations Act 2001 (Cth) and National Consumer Credit Protection Act 2009 (Cth).

If you don't provide us with your personal information or otherwise authorise us to collect this information from third parties, we may not be able to provide you with one or more of our products or services.

We will ordinarily collect any information about you directly from you or where it is provided to us with your authority.  If personal information about you is collected by third parties on any website you have accessed through our websites, we may also collect or have access to that information as part of our arrangement with those third parties. If at any time you supply us with personal information about another person, you should ensure that you are authorised to do so and you agree to inform that person of the content of this Notification and Consent.

From time to time we may receive information that we have not asked for about you from third parties. We will only keep, use and disclose this information as permitted by law.

We may sometimes disclose your personal information to other organisations to deliver our products or services to you which may include marketing our own products.

The types of organisations to which we may disclose this information include other financial services companies that we partner with to provide our products and services, regulatory bodies and government agencies, courts and external dispute resolution schemes, your agents, including brokers or financial advisers, our agents, contractors and professional advisers who assist us in providing our services, your referees and guarantors, your or our insurers, and organisations that carry out functions on our behalf including mailing houses, data processors, researchers, system developers or testers, accountants, auditors and lawyers.

Some of the parties with which we exchange your personal information, including our partners, service providers and other third parties listed above, may be located outside Australia in countries including New Zealand, Philippines, India, Singapore, the United States of America, United Kingdom, Spain and Israel.

We may also disclose your personal information to third parties where you request us to or consent to us doing so or in order to provide our product and services to you and to fulfil our legal obligations.

We, Virgin Money, their related bodies corporate, affiliate companies and their partners and agents may use your personal information (including your telephone number, regardless of whether it is listed on the Do Not Call Register, and your email or other electronic addresses) to keep you informed about other products, services and offers which may be of interest to you. They may do this by phone, mail, email and SMS or other electronic messages (without an unsubscribe facility). These consents operate indefinitely and shall remain in effect unless and until you notify us that you do not want to receive such direct marketing communications. If you do not wish to receive these communications please notify us in writing or by phone on 13 61 62. Note: If you have not told us that you do not wish to receive these communications by phone, you may be contacted even if you have registered your phone number on the national Do Not Call Register.

Privacy Policies
Our Privacy Policies set out how you can access and correct information we hold about you, how you can complain about a breach by us of your privacy rights and how your complaint will be handled. The Privacy Policies can be found at Virgin Money: virginmoney.com.au TAL: tal.com.au and St Andrew's at standrews.com.au.

If you have a complaint about a breach of your privacy, please contact:

  • Privacy Officer, TAL, GPO Box 5380 Sydney NSW 2001 Telephone 13 61 62
  • Privacy Officer, Virgin Money, Level 4, 7 Macquarie Place, Sydney NSW 2000 Telephone 13 61 62
    Email: privacy@virginmoney.com.au
  • Privacy Officer St Andrews, PO Box 7395, Cloisters Square WA 6850


* On the spot cover for Australian Residents aged 18-65 with our Quick & Easy option. Exclusions apply including Pre-Existing Medical Conditions, Known Genetic Conditions, suicide, Dangerous Occupations and Dangerous Pastimes. See the Product Disclosure Statement for more information.

^ Buys around $100,000 cover for a female non smoker aged 18-39, on standard Tailored option premium rates. Premiums vary depending on personal circumstances and increase with age and level of cover.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if this insurance will suit you. Please consider the Product Disclosure Statement and Financial Services Guide before deciding whether to buy this product.

Virgin Life Insurance and Virgin Income Protection Insurance promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869, and distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. For information about Virgin Money, TAL & St Andrew's please see the Product Disclosure Statement and Financial Services Guide.