Privacy Policy

1. About Us

Let Us Check Pty Ltd (“Let Us Check”, “we”, “us”, “our”) operates letuscheck.com.au — a free, independent private health insurance comparison service. We help Australians compare hospital and extras policies from participating health funds and connect them with the right cover.

We earn a commission from health funds when a customer takes out a policy through us. You pay the same premium as going direct — our fee is paid by the fund, not you.

2. What Personal Information We Collect

We collect personal information necessary to provide our comparison and referral service. This may include:

• Identity information: full name, date of birth, gender
• Contact details: email address, phone number, home state
• Health and cover information: current health fund, cover type, number of dependants, Lifetime Health Cover (LHC) loading details
• Financial information: approximate income (to calculate your government rebate tier — we do not collect bank account or card details)
• Website usage data: IP address, browser type, pages visited, referring URLs (via cookies and analytics tools)

We only collect sensitive information (such as health information) to the extent necessary to provide our comparison service, and we handle it with additional care.

3. How We Collect Your Information

We collect your information when you:

• Complete a quote or comparison form on our website
• Submit a contact form or book a call
• Speak with one of our agents by phone or email
• Browse our website (automatically via cookies)

4. Why We Collect Your Information

We use your personal information to:

• Provide personalised health insurance comparisons and quotes
• Calculate your applicable government rebate and LHC loading
• Connect you with health fund applications
• Communicate with you about your quote, application, or enquiry
• Improve our website and services
• Comply with our legal obligations

We do not use your personal information for purposes beyond those for which it was collected without your consent.

5. Who We Share Your Information With

We may disclose your personal information to:

• Health funds: when you proceed with an application through us, we share the necessary information with the chosen fund to process your cover
• Service providers: our CRM, website hosting, and analytics providers (who are bound by confidentiality obligations)
• Regulatory bodies: where required by law

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

6. How We Store and Protect Your Information

Your information is stored in secure cloud-based systems (Amazon Web Services and Zoho CRM) with access controls, encryption in transit (HTTPS/TLS), and restricted staff access. We retain your personal information for as long as necessary to provide our services and meet our legal obligations, typically up to seven years in line with standard Australian record-keeping requirements.

7. Your Rights Under the Privacy Act

Under the Australian Privacy Principles, you have the right to:

• Access the personal information we hold about you
• Correct any inaccurate or out-of-date information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications at any time

To exercise any of these rights, contact us at luke@letuscheck.com.au. We will respond within 30 days.

8. Cookies and Analytics

Our website uses cookies and similar technologies to:

• Remember your preferences during a session
• Understand how visitors use our site (via aggregated analytics)
• Improve website performance and content

You can disable cookies in your browser settings, though some features of the site may not function correctly as a result.

9. Marketing Communications

If you provide your contact details, we may send you information about our services and health insurance updates. You can unsubscribe from any marketing email at any time by clicking the unsubscribe link or emailing us. We comply with the Spam Act 2003 (Cth).

10. Links to Third-Party Sites

Our website may contain links to health fund websites and other third-party sites. We are not responsible for the privacy practices of those sites and encourage you to read their privacy policies.

11. Complaints

If you believe we have breached the Australian Privacy Principles or mishandled your personal information, please contact us first:

• Email: luke@letuscheck.com.au
• Post: Let Us Check Pty Ltd, Queensland, Australia

We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available at letuscheck.com.au/privacy. Material changes will be notified via our website or email where appropriate.