Endnotes 58 Resources on discrimination in NT available at: https://adc.nt.gov.au/discrimination. 71 Australian Human Rights Commission, Human Rights and Technology Final Report (2021), 159. 59 Resources on discrimination in Queensland available at: https://www.qhrc.qld.gov.au/your-rights/ discrimination-law. 72 Douglas v Department of Land and Housing [2011] FMCA 1028 (22 December 2011), 59-61. 73 QBE Travel Insurance v Bassanelli [2004] FCA 396, [34]. 60 Resources on discrimination in SA available at: https://www.equalopportunity.sa.gov.au/ discrimination. 74 61 Resources on discrimination and exceptions in Tasmania available at: https://www. equalopportunity.sa.gov.au/discrimination; https:// equalopportunity.tas.gov.au/exceptions. Commonwealth v Human Rights and Equal Opportunity Commission (1995) 63 FCR 74, 87; Australian Medical Council v Wilson (1996) 68 FCR 46, 60; Commonwealth Bank of Australia v Human Rights and Equal Opportunity Commission (1997) 80 FCR 78, 111. 75 A recent example in the actuarial literature can be seen in Lindholm, M., Richman, R., Tsanakas, A., & Wüthrich, M. ‘Discrimination Free Insurance Pricing’ 2022 ASTIN Bulletin, 52(1), 55-89. 76 QBE Travel Insurance v Bassanelli (2004) 137 FCR 88, [85]. 77 Insurers must provide a product disclosure statement (PDS) for every financial services product they offer. The regulatory standards for PDSs are set by the Australian Securities and Investments Commission (ASIC) to ensure that they are clear, accurate and comprehensive, and include information on any exclusions, caps, limits and other conditions. Further information is available from ASIC: https://asic.gov.au/regulatory-resources/finda-document/regulatory-guides/rg-168-disclosureproduct-disclosure-statements-and-other-disclosureobligations/ 78 Commonwealth v Human Rights and Equal Opportunity Commission (1995) 63 FCR 74, 87; Australian Medical Council v Wilson (1996) 68 FCR 46, 60; Commonwealth Bank of Australia v Human Rights and Equal Opportunity Commission (1997) 80 FCR 78, 111. 62 54 Resources on discrimination and exceptions in Victoria available at: https://www.humanrights. vic.gov.au/for-individuals/discrimination/; https:// www.humanrights.vic.gov.au/for-organisations/ exceptions/. 63 Resources on discrimination in WA available at: https://www.wa.gov.au/system/files/2022-04/ Unlawful%20Discrimination%20Fact%20Sheet%20 2022%20March.2.pdf. 64 Australian Human Rights Commission, Human Rights and Technology Final Report (2021), 37. 65 Australian Human Rights Commission, Human Rights and Technology Final Report (2021), 101, 105. 66 Xiros v Fortis Life Assurance Ltd [2001] FMCA 15 (6 April 2001) [16(k)]. 67 For example, see Ingram v QBE Insurance (Australia) Ltd (Human Rights) [2015] VCAT 1936 (18 December 2015). 68 Australian Human Rights Commission, Using Artificial Intelligence to Make Decisions: Addressing the Problem of Algorithmic Bias (Technical Paper, November 2020), 27. 69 Australian Human Rights Commission, Using Artificial Intelligence to Make Decisions: Addressing the Problem of Algorithmic Bias (Technical Paper, November 2020), 27. 70 Australian Government, Department of Industry, Innovation and Science, AI Ethics Framework (November 2019) <https://www.industry.gov.au/ publications/australias-artificial-intelligence-ethicsframework>.