This Privacy Policy describes Our practises in collecting, using, disclosing, retaining and protecting the information that We collect or Our service providers collect when You visit the Website.

It is Our intention to always comply with the Privacy Act 1988 (Cth)(‘Act’) including the Australian Privacy Principles (‘APPs’).

This Privacy Policy uses definitions of ‘Personal Information’ and ‘Sensitive Information’ as described in the Act.

1.          Collection of Information

a.      Personal Information is information We hold which is identifiable as being about You. This information includes information such as Your name, address, email address or any other type of information that can reasonably identify an individual, either directly or indirectly.

b.     We collect and store the Personal Information that You provide to Us directly or give to Us in other forms.

2.          How We collect Your Personal Information

a.      Generally, We will collect Personal Information:

                       i.       from You directly when You provide Your details to Us; and

                      ii.       from You indirectly through emails, forms, face-to-face consultations, mailing list subscriptions, registration and attendance at seminars, business cards and telephone conversations and through use of the services and facilities available through Our Website and social media channels.

b.     Additionally, We may also collect any other information You provide while interacting with Us, either electronically or in person.

c.      We will collect and use Personal Information with Your consent for a specific purpose and any data collected will be to the extent necessary and not excessive for its purpose. We will also process Personal Information if it is necessary for Our legitimate interests or to fulfil a contractual or legal obligation.

d.     We do not collect or process any Personal Information from You that is considered ‘Sensitive Information’ under the Act.

e.     You must not provide Us with Your Personal information if You are under the age of 18 without the consent of Your parent or guardian. We do not knowingly collect or process the Personal Information of persons under the age of 18.

f.      By providing Us with Personal Information, You consent to the supply of that information subject to the terms of this Privacy Policy.

3.          How We use Your Personal Information

 We may use Your Personal Information with Your consent for a specific purpose as set out in this Privacy Policy, including, but not limited to:

a.      conduct Our business and provide You with Our products and services;

b.     provide, market, develop and research Our products and services; 

c.      communicate with You to provide or promote Our products and services; 

d.     purchase goods or services; 

e.     carry out identity verification;

f.      help Us manage and enhance Our business, products and services; 

g.      protect Our rights, privacy, safety, or property, and/or that of Our affiliates, You, or others; 

h.     comply with Our legal obligations; 

i.       for a related purpose, where the individual concerned would reasonably expect Us to use it for that related purpose;

j.       communicate with You by a variety of measures including, but not limited to, telephone, email, sms or mail; 

k.      investigate complaints;

l.       present You with personalised offers;

m.    provide You with the opportunity to review Our products and services;

n.     provide You with information, updates, offers or advertising relating to Our products or services; or

o.     screen for potential risk or fraud (and to assist regulators, trade bodies and law enforcement agencies in relation to the same).

4.          Sharing of Your Personal Information

So that We can provide You with Our products and services, We have to share some Personal Information with trusted third parties. We do not sell Your Personal Information but We may share Your Personal Information as follows:

a.     Employees, contractors and related entities, existing or potential agents or business partners

b.     Third party service providers 

We rely on the services of third party service providers to conduct Our business. Our core service providers include (without limitation) IT service providers, data storage, web-hosting and server providers, debt collectors, data analytics providers, maintenance or problem-solving providers, marketing or advertising providers, professional advisors and payment systems operators. 

We may also use Google Analytics to help us understand how our customers use the Website. You can read more about how Google uses Your Personal Information here: www.google.com/intl/en/policies/privacy/ . You may opt-out of Google Analytics here: tools.google.com/dlpage/gaoptout.

c.      With regulators and law enforcement agencies when required to do so by law

We may from time to time need to disclose Your 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.

d.     When We think it is reasonably necessary to protect You or Our business

In the unlikely event that We are the subject of attempted criminal activities, We will take all reasonable steps to protect You and Our business but sometimes We may need to share Your Personal Information where We think it is reasonably necessary to:

                     i.         detect, monitor, investigate or prevent any suspected illegal activities, fraud or security issue;

                    ii.         enforce Our terms and conditions and to protect Your and Our rights and property; and/or

                   iii.         investigate and defend any third party claims or allegations.. 

5.          Personal Information retention

 a.      We will not keep Your Personal Information for longer than is necessary by law or for the purposes described in this Privacy Policy. 

b.     At the end of the retention period, Your Personal Information will either be completely deleted or anonymised so that it can be used in a non-identifiable way for statistical analysis and business planning. 

6.          Access to Your Personal Information

a.      You may request details of Your Personal Information that We hold in accordance with the provisions of the Act. 

c.      We reserve the right to refuse to provide You with information that We hold about You in certain circumstances set out in the Act or any other applicable law.

7.          Complaints

If You have any complaints about Our privacy practices, please feel free to send the details of Your complaints using the details set out in the ‘Contact Us’ section of this Privacy Policy. We take complaints very seriously and will respond as soon as reasonably practicable.

8.          Changes to Privacy Policy                                                                                                                                   

We may modify this Privacy Policy at any time, in Our sole discretion, and all modifications will be effective immediately upon providing the modifications to You or posting the modifications on Our Website. 

Continuing as a subscriber or continued use of the Website will constitute Your acceptance of the modified Privacy Policy. 

9.        The Website

We may automatically collect certain information about Your device, including information about Your web browser and some of the cookies that are installed on Your device. We may also collect information about the individual web pages or products that You view and information about how You interact with the Website.

a.     Web Browser

When You visit the Website, We may collect certain information such as Your web browser, IP address, time zone, the date and time of Your visit, the pages viewed and information downloaded etc. This information is used in an aggregated manner to analyze how people use the Website such that We can improve Our service and to assess the success of Our marketing and advertising campaigns.

b.     Cookies

Cookies are very small files which a website uses to identify You when You come back to a website and to store details about Your use of the website. 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 the Website. The Website may from time to time use cookies to analyses website traffic and help Us provide a better visitor experience.