Menu
close
We encourage you to read the full terms and conditions below before using our website or our services, but here’s the key details you’re probably here to scan for. Note that by using, browsing and/or reading this website, you signify that you have read, understood and agree to be bound by the full terms and conditions.
We offer services in pursuit of our mission to make better healthcare more accessible for all. These services, described on our handy How It Works page, are designed to provide information and administrative support to help you make better informed choices about your healthcare and private health insurance.
We want you to love your purchase so much that you’ll tell your friends about us! But we get that sometimes you’ll change your mind, and that’s cool too. Just let us know within 30 days, and provided that the terms of our refund policy are met, we’ll give you your money back.
We hate it when businesses sell or share our personal information. We’re committed to best-in-class privacy. We don’t sell or share your data with advertisers or any third parties so far as we can help it. Check out the full details over on our privacy policy.
We’re based locally in Sydney - just like many of our customers - so we work within the laws and norms of New South Wales, Australia.
Keen to know more? Read on below, and please reach out to [email protected] if you'd like any other information.
Account: a user account for the Website created to access Paid Services
Appointments: appointments made by Opter on Your behalf with Providers to use Benefits under Your Policy
Benefits: Products or services covered under a Policy, including hospital, extras and combined cover where relevant
Cooling Off Period: a period of 30 days applying to the purchase of Paid Services
Dispute: a dispute arising out of or relating to the Terms
EFT: payment by electronic funds transfer
Fees: all fees payable by a Member as set out at in these Terms
Free Services: free information which Opter chooses to make available from time to time to any user of the Website without an Account, including but not limited to articles and analysis published on the Website and information generated by the Questionnaire
Insurer: a third party insurer that is entitled to offer private health insurance Policies in Australia
Loss: any direct, indirect, incidental, special, consequential or exemplary damage, loss, cost, expense or liability however it arises and whether it is direct or indirect, present or future, fixed or unascertained, actual or contingent and includes all legal costs and expenses
Member: a person who holds an active Account
Member Default: any negligence, wrongful act or omission by a Member or failure by the Member to perform any relevant obligation
Membership Period: any fixed term for which We agree to provide the Paid Services to a Member
Notice: written notice provided by a party claiming a Dispute has arisen under the Terms to the other party
Opter: Opter Pty Ltd (ABN 36 640 856 186) that operates this Website and provides the Services. The same entity referred to as Us, We or Our where relevant
Paid Services: the services that Opter makes available from time to time to Members only, including but not limited to such features as recommending Policies, administrative assistance to find and purchase Policies, notifications of better Policies and Policy changes, benefit reminders, and administrative support to make appointments with Providers. Opter reserves the right to change the Paid Services at any time
Personal Information: information We hold which is identifiable as being about You such identification or contact details, including Your email address, telephone number, password, demographic and other information about You and members of Your households to be covered by a Policy; other information required by Insurers, including date of birth, gender, address, income, residency status, Medicare and concession card coverage; current and / or prior private health insurance coverage; and payment details for payment of Our Fees. At Your option, Personal Information can also include any bank details for payment of rebates by an Insurer under Your Policy
Policy: a private health insurance product provided by an Insurer
Providers: third party health providers entitled to offer healthcare products and services in Australia, including hospitals, doctors, allied health practitioners and others
Questionnaire: any questionnaire on the Website that asks You to provide some information about Your health and life circumstances and generates information about private health insurance taking these details into account
Refund: a refund of Fees where provided for by the Opter Refund Policy
Services: services provided by Opter through this Website and other forms of communication, at its discretion, as described under Supply of Services in these Terms
Software: any necessary software used in connection with the Services or the Website
Terms: these terms and conditions along with any other terms and conditions set out on the Website or communicated during the Services, including the Complaints Policy, the Privacy Policy and the Refund Policy
Third Party Default: a failure by a third party to complete any obligations they have under a contract with You, including a contract with a Provider for products or services
Website: the website located at opter.ai
You: the user of this Website and any Services. The same person referenced by Your where relevant. Includes your immediate family who live with you
Your Content: any information You provide to Opter, such as details entered into the Questionnaire
Your Estimated Savings: as used in calculation of Fees, the estimated savings earned by You as defined by the difference between Your Estimated Value from Your (new) Policy and Your Estimated Value from Your Old Policy (or from not holding a policy, if that was your status quo)
Your Estimated Value: as used in calculation of Fees, the sum of the cost of premiums for a Policy, the estimated tax benefits provided to You by that Policy, and the estimated medical benefits provided to You by that Policy
Your Old Policy: as used in calculation of Fees, the Policy that You held prior to adopting Your (new) Policy
Your Policy: a Policy that You purchase through use of the Website and the Services, or which You advise Us You have taken out on Your own behalf based on Your use of the Services
Welcome to the Website. Opter uses this Website as one means to provide the Services that help You to make better informed decisions about Your healthcare and private health insurance cover.
The Website is owned and operated by Opter Pty Ltd (ABN 36 640 856 186) (‘Opter’). Access to and use of the Website, or any of its Services, is provided to You by Opter.
Please read the Terms carefully. Your use of and access to the Website and the Services is conditional upon Your acceptance and compliance with these Terms. Your use of and access to the Website and / or Your purchase or use of the Services constitutes Your agreement to be bound by these Terms. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to You by Opter in the user interface. We recommend You download a copy of the Terms for Your records.
If You do not agree with the Terms, You must no longer access or use the Website or the Services.
Opter reserves the right to review and change any of the Terms from time to time by updating this page at its sole discretion. This will supersede any prior agreements including any previous Terms. When Opter updates the Terms, it will use reasonable endeavours to provide You with notice of these updates. Any changes to the Terms take immediate effect from the date of their publication.
In order to become a Member, You must establish an Account and pay the Fee.
Once You have set up an Account, You must pay the Fee before You can access the Paid Services.
As part of the Account registration process, or as part of Your use of the Services, You may be required to provide Personal Information
Once You have completed the Account registration process, You will be a registered Member. As a Member You will be granted timely access to the Paid Services unless and until Your Account is cancelled or otherwise terminated.
Cancellation of Paid Services and Account closures and the process and terms for any applicable refunds are governed by the Cancellation and Refund Policy clauses below.
Opter will provide Services via the Website, or through other forms of communication at Opter’s discretion.
To be eligible to register for an Account and / or receive the Services, You must:
The Paid Services are offered to Members only on an ongoing basis until the Account is cancelled by the Member or otherwise terminated in accordance with these Terms
Opter shall supply the Services in accordance with these Terms and with reasonable care and skill and, as far as reasonably possible and where applicable, in accordance with the Member’s requests.
You acknowledge and agree that Our Services are based only on estimates of Your needs, and that only You can make the ultimate decision about what products or services, including third party products and services, are best for You.
You agree that in arranging any Policy on Your behalf with an Insurer, Opter may use an Opter email address as a contact address on Your Policy for an initial period of up to five business days or until the sign up process with the Insurer is complete (whichever is longer). Opter will then substitute Your provided email address as the ongoing contact address for the Policy, provide you with confirmation of your login details (after which We recommend that you change Your password with the Insurer), and share an aggregated summary of the emails sent to the Opter email address about Your Policy during the initial period.
Any timeframes or dates communicated by Opter in respect of the supply of the Services are estimates only and Opter does not guarantee that it will perform any Services within any specified timeframes or dates.
Opter will respond to Member requests within normal business hours.
If Opter is prevented from or delayed in complying with an obligation set out in these Terms due to an unforeseeable event beyond its reasonable control and that event is continuing for more than 48 hours, Opter’s performance of that obligation is suspended until the event has ceased and until Opter is capable of performing the obligation in accordance with these Terms.
Opter takes Your privacy seriously and We may ask You to share personal information when You use the Website or the Services. The way in which Opter collects, uses and discloses any personal information collected by Opter through Your use of the Website and / or Services is described in Opter’s Privacy Policy.
You agree that the accuracy of the Services and any information We provide to You is contingent on the accuracy of the information that You provide to Opter. You agree that any information you provide to Opter will be true, accurate and complete at all times. You agree that You will provide updated information to Opter as soon as practicable to ensure that We only hold true, accurate and complete information about You.
Where Opter engages with third parties, including Insurers and Providers, on Your behalf, You agree that We will share Your Personal Information in accordance with Our Privacy Policy to the minimum extent required to complete the arrangements that You have requested.
You undertake that all details You provide to Us for the purpose of booking, ordering or purchasing products or services on Your behalf with any third parties are correct, that the payment details that You use are Your own, and that You have sufficient funds to cover the cost of the product or service that You have requested.
You are responsible for identifying, understanding any changes to information relevant to You, including Your Account, use of the Website and any Services, and any third party products or services including any Policy.
The Website and the Paid Services allow You to engage third parties to supply products and / or services, including Policies from Insurers and the health products and services of Providers. You acknowledge and agree that:
By using this Website, You agree to comply with the following:
You acknowledge and agree that You are only permitted to use this Website and the Services for personal use and fair use, subject to these Terms, including that:
You acknowledge that Opter may use technologies to detect any usage by You that is contrary to these Terms.
Where you open an Account, you agree to pay the Fees. The Fees are v variable based on Your circumstances, and equal to 10% of Your Estimated Savings, where Your Estimated Savings are the difference between Your Estimated Value from Your (new) Policy and Your Estimated Value from Your Old Policy (or from not holding a Policy, if that was Your status quo).
You agree and acknowledge that Opter can reasonably vary its Fees at any time by notice to You and that the varied Fees will come into effect when You are next required to pay a Fee after we notify You of the increase.
We may use a third party payments processor to process Fees. You must agree to the third party processor’s terms in order to use their payment services.
All prices, including the Fees and third party products or services, are quoted in Australian dollars. The Fees are inclusive of GST.
You acknowledge and agree that where a request for the payment of a Fee is returned or denied, for whatever reason, by Your financial institution or is unpaid by You for any other reason, then You are liable for any costs incurred by Us, including banking fees and charges, associated with collecting the Fee or administering the returned or denied payment.
Fees made under the Terms are subject to Opter’s Refund Policy, which is available on the Website.
The Cooling Off Period allows a Member to change their mind about purchasing the Paid Services. If a cancellation occurs within the Cooling Off Period, Your Account is closed, the Fees refunded in full, and any Policy purchased is cancelled. The Cooling Off Period lasts for thirty days from the date the Account is opened unless:
You acknowledge and agree that the Services, the Website and any Software contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Except as expressly authorized by Opter, You agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Services, the Website or the Software, in whole or in part. This prohibition does not extend to materials on the Website which are freely available for reuse or are in the public domain.
Opter grants You a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that You do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Services. You agree not to access the Service by any means other than through the interface that is provided by Opter for use in accessing the Services.
Before making any decision about a Policy, You should always read the policy documentation from the Insurer before making any decision to acquire or hold the Policy.
Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.
Use of the Website and the Services is at Your sole risk. Everything on the Website and the Services is provided to You “as is” and “as available” without warranty or condition of any kind. Opter expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
Opter makes no warranty that (i) the service will meet Your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, and (iii) any errors in the Software will be corrected.
Any material downloaded or otherwise obtained through the use of the Services, Website or Software is done at your own discretion and risk. You will be solely responsible for any damage to Your computer system or loss of data that results from the download of any such material.
No advice or information, whether oral or written, obtained by You from Opter or through or from the Services shall create any warranty not expressly stated in these Terms.
Due to the global nature of the internet, users outside of Australian jurisdiction may access the Website. The Website and the Services are not intended for use by a person outside of the jurisdiction.
Opter’s total liability arising out of or in connection with the Website, Services or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the cost involved in resupplying the relevant Services to You.
Except for obligations imposed by law that cannot be excluded, You expressly understand and agree that Opter, its affiliates, employees, agents, contributors and licensors shall not be liable to You for any Loss which may be incurred by You as a result of (without limitation): any unauthorised access of or breach of cyber security to the Website; the transmission of any computer virus; any misrepresentation, inaccuracies, error, faults or omissions in relation to the Website; accessing, attempting to access, or using third party products, services or websites; any loss of profit (whether incurred directly or indirectly); any loss of goodwill or business reputation; or any other intangible loss.
To the maximum extent permitted by law, You agree to indemnify and keep indemnified Opter, its affiliates, employees, agents, contributors, third party content providers and licensors from and against any and all Loss, actions or claims by any person to the extent that the Loss arises out of, or in connection with, either directly or indirectly:
The Terms will continue to apply to Your use of the Website and the Services until the Terms are terminated in accordance with this clause.
The Limitation of Liability and Indemnity clauses survive termination or expiry of these Terms.
If Opter’s performance of any of its obligations under these Terms is prevented or delayed by any Member Default, then Opter shall, without limiting its other rights or remedies available under these Terms and at law, have the right to suspend performance of its obligations until the Member remedies the Member Default.
Subject to local applicable laws and at Opter’s discretion, Opter may immediately suspend, deny or terminate Your access to all or any portion of the Website or Services at any time if:
A Member may cancel their Account at any time. If You want to cancel Your Account, You may do so by:
If Your Account is closed, but You continue to access the Free Services, these Terms will continue to apply to you.
Cancellation of any Policy is governed by the relevant Insurer’s terms and conditions. If You decide to cancel any Policy then it is Your responsibility to carry out any cancellation request and process with the Insurer, and to inform Opter of your decision within five working days or five working days before the next billing date, whichever is sooner.
Opter is not liable for any payments, costs or losses incurred by a Member through cancellation or adjustment of any Policy.
If a Dispute arises out of or relates to the Terms, neither party may commence any tribunal or court proceedings in relation to the Dispute unless the following clauses have been complied with (except where urgent interlocutory relief is sought).
Notice: A party claiming a Dispute has arisen under the Terms must give Notice to the other party detailing the nature of the Dispute, the desired outcome and the action required to settle the Dispute.
Resolution: on receipt of that Notice by that other party, the parties must:
Confidentiality: All communications concerning negotiations made by the parties to the Terms arising out of and in connection with a Dispute or this dispute resolution clause are confidential and, to the extent possible, must be treated as “without prejudice” negotiations for the purpose of applicable laws of evidence.
Termination of Mediation: If 60 days have elapsed after the start of a mediation of the Dispute and the Dispute has not been resolved, the parties must resolve the Dispute in accordance with the Jurisdiction clause of these Terms.
The Website and the Services are provided for Australian residents only.
The laws of New South Wales, Australia apply to these Terms, Your use of the Website and the Services and the resolution of any dispute, proceeding or claim arising from access to and use of the Website or the Services.
In the event of any dispute, proceeding or claim, both parties submit to the exclusive jurisdiction of the that the courts and tribunals of New South Wales, Australia. The validity of this governing law clause is not contested.
If any part of these Terms is found to be illegal, unenforceable or invalid, that part shall be eliminated or modified to the minimum extent necessary to make that part legal, enforceable and valid, and the rest of the Terms shall remain in force.
Hey - thanks for valuing your privacy and reading the privacy policy. You're our kind of people! We encourage you to read the full policy below. But in case you're just keen to scan for any common concerns like advertising or sharing with third parties, here's the most important stuff:
Keen to know more? Read on below, and please reach out to [email protected] if you'd like any other information.
Your personal information is protected by law, including the Privacy Act 1988. Opter Pty Ltd (ABN 36 640 856 186) (“Opter”) collects personal information from you, including sensitive information. When you provide personal information about other individuals, such as family members on your Opter membership, Opter relies on you having made the other individuals aware of the matters in this Statement and having obtained their consent on these matters.
Opter collects personal information from you in a variety of ways, including when you interact with us electronically or in person, when you access our website, and when we provide our services to you. We may receive personal information from third parties. All personal information is protected as set out in the Opter Privacy Policy.
The personal information is collected so that Opter can provide you with information, updates and our services - specifically advice and administrative support for selecting, purchasing and administering private health insurance policies. Where Opter is not able to collect personal information, then Opter may not be able to provide its services to you.
We may also make you aware of any new and additional products, services and opportunities that become available to you. We may use your personal information to improve our products and services and better understand your needs. Opter may contact you by a variety of measures including, but not limited to, telephone, email, SMS or mail.
Opter may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes described above. Personal information is only supplied to a third party when it is required for the delivery of our services, and the minimum amount of personal information is supplied in such a case.
Where you ask us to request that a private health insurer apply the Australian Government Rebate for Private Health Insurance (the ‘Rebate’), then your personal information will be shared by the private health insurer with Services Australia for the assessment and administration of payments and services. This information is required to process your application for the Rebate.
Your information may be used by Services Australia or given to other parties for the purposes of research, investigation, or where you have agreed or it is required or authorised by law. You can get more information about the way in which Services Australia will manage your personal information, including its privacy policy, at servicesaustralia.gov.au/privacy-policy or by requesting a copy from Services Australia.
We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of Opter, opter.ai, its customers or third parties.
Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia. If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality.
We would seek to only disclose information in good faith and where required by any of the above circumstances. By providing us with personal information, you consent to the terms of this Privacy Policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Policy regarding handling your personal information.
Where a member purchases insurance products from a private health insurer through Opter, the member’s relationship with the private health insurer is independent from Opter and the private health insurer’s privacy policy applies.
The Opter Privacy Policy sets out how you can access and seek correction of any of your personal information held by Opter and how you may make a complaint if you consider that we have not complied with the Privacy Act 1988 (Cth) when handling your personal information.
You can access our Privacy Policy here. If you need to contact us regarding personal information we hold about you, please email us at [email protected].
Opter’s Privacy Collection Statement and Privacy Policy may change from time to time. The latest versions will be available online at www.opter.ai/legal#privacy.
Opter Pty Ltd (ABN 36 640 856 186), L2 23 Foster St, Surry Hills NSW 2010
Document last updated on 16 November 2022.
Opter respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). This policy sets out how we collect and treat your personal information. "Personal information" is information we hold which is identifiable as being about you.
Opter will, from time to time, receive and store personal information that you provide to us directly by entering onto our website or give to us in other forms. You may provide basic information such as your name, phone number, address and email address to enable us to send information, provide updates and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preferences, respond to surveys and/or promotions, provide financial or credit card information, or communicate with our customer support. Additionally, we may also collect any other information you provide while interacting with us.
Opter collects personal information from you in a variety of ways, including when you interact with us electronically or in person, when you access our website and when we provide our services to you. We may receive personal information from third parties. If we do, we will protect it as set out in this Privacy Policy.
Opter may use personal information collected from you to provide you with information, updates and our services. We may also make you aware of new and additional products, services and opportunities that become available to you. We may use your personal information to improve our products and services and better understand your needs. Opter may contact you by a variety of measures including, but not limited to telephone, email, SMS or mail.
We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information is only supplied to a third party when it is required for the delivery of our services, and the minimum amount of personal information is supplied in such a case. As at February 2022, such supply includes Stripe, for payment; Sendgrid, for email; and private health insurer/s where you have requested that we contact them on your behalf as part of our services.
We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of Opter, opter.ai, its customers or third parties.
Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia. If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality.
We would seek to only disclose information in good faith and where required by any of the above circumstances. By providing us with personal information, you consent to the terms of this Privacy Policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Policy regarding handling your personal information.
Where you ask us to request that a private health insurer apply the Australian Government Rebate for Private Health Insurance (the ‘Rebate’), then your personal information will be shared by the private health insurer with Services Australia for the assessment and administration of payments and services. This information is required to process your application for the Rebate.Your information may be used by Services Australia or given to other parties for the purposes of research, investigation, or where you have agreed or it is required or authorised by law. You can get more information about the way in which Services Australia will manage your personal information, including its privacy policy, at servicesaustralia.gov.au/privacy-policy or by requesting a copy from Services Australia.
Opter is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure. The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to us, or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that personal information that we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.
You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act 1988 (Cth). A small administrative fee may be payable for the provision of information. If you would like a copy of the information which we hold about you, or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at [email protected]. We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.
If you have any complaints about our privacy practices, please feel free to send in details of your complaints to Privacy Officer, Opter Pty Ltd - Level 2, 23 Foster Street, Surry Hills NSW 2010. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.
Please be aware that we may change this Privacy Policy in the future. We may modify this Policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review our Privacy Policy.
When you come to our website (opter.ai) we may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.
We may from time to time use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyse website traffic, assess marketing effectiveness, and help us provide a better website visitor experience.
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship, endorsement or approval of these websites. Please be aware that Opter is not responsible for the privacy practices of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personal identifiable information.
This Refund Policy (‘Policy’) applies to purchases of Opter services as set out in the terms and conditions on the opter.ai website.
There may be times where opter.ai does not meet your expectations. In these circumstances we encourage you to let us know. We are committed to learning from your experiences as it will help us to continually improve the Services we deliver.
opter.ai has a structured approach to resolving complaints.
If you are dissatisfied with a product or service provided by us, you can lodge a complaint with us.
Please include in your complaint the following details:
- your name and contact details;
- the nature of the complaint;
- details of any steps you have already taken to resolve the complaint;
- details of conversations you may have had with us that may be relevant to your complaint and;
- copies of any documentation which may be relevant.
Please send your complaint to [email protected]
We will take note of what information you provide to us. This information will be passed on to the appropriate department of opter.ai to deal with the complaint.
We are committed to resolving your complaint within a timely manner.
We will keep in touch with you during the process. If you require support, please email [email protected]. Once we have finalised your complaint, we will advise you of our findings and any action we have taken.
If you're still dissatisfied with the outcome of your complaint, you can contact the Private Health Insurance Ombudsman at this address www.ombudsman.gov.au or phone 1300 362 072.