1. Collection of your personal information
1.1 Anonymity and pseudonymity
Due to the nature of the services we provide, it is impractical for us to deal with you without knowing your full name. When you register for our services, you are required to use truthful and accurate information and you will not have the option to use a pseudonym.
1.2 Personal information
We usually collect personal information from you and third parties (such as credit reporting bodies, credit providers, courts, tribunals etc). For the purpose of providing the services.
1.3 Sensitive information
In circumstances, where sensitive information may be provided to us, we will only disclose such information for the purposes for which you gave it to us or for directly related purposes whereby you would reasonably expect the information to be used or if you were to otherwise consent.
1.4 Unsolicited information
(a) If we receive personal information that we did not solicit, we will, within a reasonable period after receiving the information, determine whether we could have lawfully collected the information had we solicited it.
2. Sharing of your information
In the course of providing the service, we will utilise the services of external organisations such as Equifax, to obtain your credit file and Australia Post, to deliver/receive certain hard copy documents. Those companies will be permitted to obtain only the personal information they require to deliver the service. We take reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.
3. Use of your personal information
For each visitor to reach our website, we expressively collect the following non-personally identifiable information, including but not limited to browser type, version and language, operating system, pages viewed while browsing the site, page access times and referring website address. This collected information is used solely internally for the purpose of gauging visitor traffic, trends and delivering personalised content to you while you are at this site.
4. Direct marketing
We may use your personal information for the purpose of direct marketing. You may opt out by notifying via email at email@example.com
5. Disclosure to overseas recipients
We will not disclose personal information to overseas recipients without your prior consent.
6. Storage and security of personal information
6.1 We will take reasonable steps to protect personal information that we hold from:-
(a) Misuse, interference and loss; and
(b) Unauthorised access, modification or disclosure.
6.2 We will destroy or de-identify personal information when we no longer need it and we are not required by law or a court/tribunal order to retain it.
7. Accessing and correcting your personal information
If you ask, in most cases we will provide you access to the personal information that we hold about you, and take reasonable steps to correct it if we consider it is incorrect.
9. Children’s privacy
No information should be submitted by children under the age of sixteen (16) years of age or under without their parent’s or guardian’s consent.