Privacy Policy

This Privacy Policy relates to Cohort Solutions Pty Ltd and any of its subsidiaries, including OSHC Australia Pty Ltd.

We are committed to respecting and protecting your privacy. This statement explains how we collect, store, use and disclose personal information.

What personal information do we collect?

The type of personal information that we collect includes the following information about you:

  • Name
  • Date of birth
  • Gender
  • Nationality
  • Education provider
  • Address
  • Contact details

We may also collect further information specific to the relevant products and services we provide to you.

Why do we collect personal information?

We only collect, hold and use personal information about you which is necessary for us to provide, administer, customise, improve and promote our products and services to you. We may also collect personal information to comply with the law, such as anti-money laundering and counter terrorism financing rules.

How do we collect personal information?

We usually collect personal information directly from you. However, sometimes we collect this information from a third party. These parties may include our agents and service providers, your representatives such as education agents, education providers and third parties you have asked to provide your personal information to us.

We collect personal information through forms you fill out when applying for our products and services or through your ongoing interaction with us for example by telephone, mail and electronic communications, or when you make a transaction.

If you provide us with personal information about someone else, you must ensure that you are authorised to disclose that information to us and that we may collect, use and disclose such information. You must take reasonable steps to ensure the individual concerned is aware of and/or consents of this policy statement.

How do we store and protect personal information?

We store your personal information in electronic systems and devices.

We take all reasonable steps to protect your personal information from misuse, loss and unauthorised access, modification or disclosure.

Why do we exchange personal information with third parties?

We may need to disclose personal information about you to certain organisations in connection with the products and services we provide to you.

The types of organisations to which we may disclose this information include:

  • Banks, payment service providers and other payments systems participants
  • Health insurers
  • Telecommunications companies
  • Service providers facilitating our Cohort Arrivals service
  • Your education agent, referrer and other intermediary
  • Your education provider
  • International regulatory bodies and government agencies

Exchange of information within the group

We may also exchange information between members of the Cohort Solutions group, including Cohort Solutions Pty Ltd and OSHC Australia Pty Ltd.

Exchange of information with overseas parties

Some of the parties with which we exchange your personal information, including our service providers and other third parties listed above, may be located outside Australia. These countries will typically be limited to your destination of study and your country of origin.

We may also need to send your information overseas in order to process transactions you have instructed us to make, such as international money transfers. The countries to which we disclose your information will depend on the transaction details.

Accessing and correcting personal information

In most cases you can gain access to your personal information held by us. We will also take reasonable steps to amend or correct your personal information to keep it accurate and up-to-date. Please email us at if you would like to access or request a correction of your personal information (see below).

Log files

Every time someone visits our website a log file is generated on our server. This contains information such as the user's IP address, the pages they browsed and the duration of the visit. We collect this information to help us improve our site and diagnose any problems. No individual data will ever be shared from these log files.


A cookie is information that a website puts on your hard disk so that it can remember something about you at a later time. The use of cookies is common practice amongst almost all major websites.

We use cookies in a number of ways. For example:

  • To recognise you when you visit our website. This saves you time when logging in and allows us to remember many of your personal preferences; and
  • To track certain statistical information, such as how people navigate the website. This helps us improve our service to you.

Marketing and promotional material

We may also ask you whether you would like to receive promotional emails from us or from other companies about products and services that may be of interest to you. We will only pass on your details to companies outside the Cohort Solutions Group with your permission. If at any time you no longer wish to receive these emails, you may update the information by emailing unsubscribe@


  • Where appropriate, we use remarketing to advertise online to users who have visited our website.
  • Third-party vendors, including Google, show our ads on sites across the Internet by using cookies to serve ads based on your past visits to our website.
  • You can opt out of Google's use of cookies by visiting the Ads Preferences Manager. Alternatively, you can opt out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page.

Changes to this Privacy Policy

From time to time, it may be necessary for us to review our Privacy Policy and the information contained in this document. We will notify you of any change by posting an updated version on our websites.


We are committed to resolving any complaint you may have. Complaints may be lodged by email (see below).

Contacting us

If you have any questions about our Privacy Policy or wish to make a complain regarding the handling of your personal information, you can contact us as follows:

Cohort Solutions Pty Ltd, email: privacy@