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HONEY FINANCE GROUP Privacy Policy
(Amended as of 28 October, 2004)
PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME. PLEASE CHECK BACK
FOR UPDATES
This Web site is not directed at persons under the age of 18. The following
privacy statement ("Privacy Policy") discloses our privacy practices and
applies to the services available under the domain of
www.personal-loans.com.au (the "Site). By registering on this Site through
the submission of the information requested, you agree that the following
terms and conditions of this Privacy Policy shall govern our use and
disclosure of your personal information. If you do not agree with the terms
and conditions of our Privacy Policy, please do not complete the information
request form (i.e., do not register) or otherwise use or access this Site.
This Privacy Policy describes in some detail the information that we collect
from you as part of the normal operation of our service, and what may happen
to the information we collect. The Privacy Policy is effective upon your
registration, and is otherwise effective on 28 October, 2004 for all users of
this Site. The previous privacy policy was effective for all users prior to
this date.
Your privacy is very important to us
We understand that some of the information that you might provide on our Site
is personal and private. By submitting your personal information, you are
entrusting us to handle information that you regard as private, solely for
the purposes and in the manner set forth in this Privacy Policy and for no
other purpose. In exchange for your trust, you expect us to handle your
personal and private information in a professional manner that will be in
keeping with your trust. Our Privacy Policy explains what information we
obtain on this Site, and how we use the information disclosed to us to link
you to our business affiliates who have expressed a willingness to provide
you with the products and services associated with this Site.
Who We Are
We are an on-line consumer service that introduces Specialised Lenders,
Mortgage Managers and/or Loan Originators of our choice (business affiliates)
who have expressed a general willingness to review your information and
determine if they are willing to provide you with the services or products
that prompted you to visit our Site. When you visit our Site, you will be
requested to complete a simple application with information that is deemed
necessary for our business affiliates to perform a preliminary analysis of
your qualifications to receive the service or products. Based upon your
consent, as evidenced by your registering with us on this Site (i.e., your
submission of the requested information on the application), we will forward
the information that you provided to certain of our business affiliates for
determining whether they will offer you the products and services that you
are seeking.
In addition, from time to time, we or our business affiliates may e-mail you
or otherwise correspond with you to inform you of additional opportunities to
receive special offers for other services and/or products that we believe may
be of interest. There are no fees for this premium service ("Premium
Service"), and you are under no obligation to accept any service or product
with any of our business affiliates.
Information We Collect
The information that we collect is generally limited to personal information
about you that our business affiliates consider necessary for performing a
preliminary evaluation of your qualifications. To the extent that you can
order products, enter contests, express an opinion, or subscribe to a
service(s), the type of personally identifiable information that may be
collected may include: name; address; e-mail address; telephone number; fax
number; credit card information; information about your interests in and use
of various products, programs, and services; education level; educational
interests; home owner status; income; debt level; current mortgage; mortgage
rate and the like. To the extent that you are requested and you do submit
information about other people, such information will be limited recipient's
name, address, e-mail address, and telephone number.
We also collect user information that can help us optimize and enhance your
experience on our Site; as well as provide you with an efficient, safe,
smooth, and customised experience. For example, if you came to this Site from
an online banner ad, pop-up or other advertisement, an anonymous
identification number may be passed to our Site. In some cases, we may place
a cookie in your browser. The aforementioned information cannot, by itself,
be used to gather any personally identifiable information about you, but it
will allow us to track the overall effectiveness of our online advertising
campaigns. We also automatically track certain information with respect to
your behavior on the Site through the forgoing cookie or identification
number. This non-personally identifiable information may include the Internet
address or URL that you just came from and which URL you go to next; your
computer browser information; and your IP address. We use this non-personally
identifiable information in conjunction with some of the information that you
provided to us to do internal research on our users' demographics and
behavior; and to better understand how to best serve other users of this
Site.
We also utilize Web Logs to track aggregate information about how our site is
being used. Web Logs track anonymous user information, including but not
limited to the number of visitors to our site, operating systems and browser
type. Unlike cookies, Web Logs are maintained only on our servers and do not
store or place anything on the user's computer.
How We Use Your Information
We collect the information that you submit and which our business affiliates
consider necessary for performing a preliminary evaluation of your
qualifications for their products and services. Prior to sending your
information to our business affiliates, we attempt to validate it. For
example, we may compare and review your personal information for errors,
omissions, and accuracy based upon past usage and response; or compare your
information against other publicly available files; or validate some of the
personal information submitted to verify that the information inputted has a
high probability of being valid information.
After we submit your information to our business affiliates, our business
affiliates may begin a separate and independent evaluation of the information
you submitted (the "Preliminary Application"). If our business affiliates
find that the Preliminary Application meets with their more specific
acceptance criterion, they may contact you directly by phone, mail or e-mail.
For more information on how our business affiliates will handle your personal
information, please visit our business affiliate's website, once contacted
and review their privacy policy. We are not responsible for the privacy
practices or the content of our business affiliates' Web sites.
Once you have registered with us, you are automatically enrolled to receive
our Premium Service. We use the information you provided, along with other
information described below, to create a general user profile. This profile
can be created by combining your information with other sources of
information such as information obtained from public databases, or from your
browsing habits surrounding your visit to this Site.
WE DO NOT MARKET, USE OR RESELL YOUR FINANCIAL INFORMATION. HOWEVER, WE MAY
USE OTHER PERSONALLY IDENTIFIABLE INFORMATION THAT WE HAVE COLLECTED FOR ANY
LEGALLY PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERRING SUCH
INFORMATION AT ANY TIME TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE
IN OUR SOLE DISCRETION.
For example, we may share your personal information with select business
affiliates so that they can contact you and offer you products and or
services that we believe might be of interest to you. This may include e-mail
advertising, telephone marketing, direct mail marketing, and online banner
advertising to name a few. In addition, we may maintain separate e-mail,
mailing or phone lists for different purposes based on the information that
you submitted and that we maintain. For your information, our business
affiliates have all agreed to operate in accordance with federal and state
laws and regulations relating to the handling of your personal information.
You may learn more about any of our business affiliate's privacy policy by
visiting our business affiliates' Web sites at such times as such affiliate
may contact you. We are not responsible for the privacy practices or the
content of our business affiliates' Web sites. If you wish to end any e-mail
correspondence from us, you will need to Unsubscribe from receiving further
correspondence by advising us of your decision to Unsubscribe by clicking a
link in the e-mail to our Unsubscribe procedures. Within ten (10) business
days, your e-mail address will be placed on a suppression list and we will no
longer correspond with you by email or resell or transfer your information to
third parties. If you wish to end future correspondence with any of our
business affiliates, you will need to follow the instructions at the end of
any such each e-mail message from them to unsubscribe from such business
affiliate's e-mail.
We may also disclose your personally identifiable information in response to
a subpoena, court order, or other legal process; as well as the transfer or
sale of personally identifiable information pursuant to the sale of our
business or assets. Should such a combination or acquisition occur, we would
require that the new combined or acquiring entity follow this privacy policy
with respect to your personal information.
In addition to the forgoing, we may also sell, transfer or share
non-individualized information, such as summary or aggregated anonymous
information about all persons or sub-groups of persons visiting this site.
We cannot ensure that all of your private communications and other personal
information will never be disclosed in ways not otherwise described in this
Privacy Policy. For example, third parties may unlawfully intercept personal
data or access our servers and obtain personal data. Therefore, although we
use industry standard practices to protect your privacy, we do not promise,
nor you should not expect, that your personal information would always remain
private.
Finally, while we do not store financial information (i.e., credit card
numbers or other information such as drivers licenses on this Site
("Financial Information")), we do retain such information on our servers for
a period of 45 days solely for back-up information purposes and to facilitate
the processing and completing of purchase transactions with our business
affiliates. In such cases, Financial Information will be disclosed to our
business affiliates only as necessary to complete a transaction. Thereafter,
Financial Information will automatically be deleted from our servers after 45
days, or the approximate time when your contemplated transactions are
completed.
Application of this Privacy Policy
This Privacy Policy applies to consumers that have signed up on the
www.personal-loans.com.au website. We may sell the personal information that
you supply to us and we may work with other third party businesses to bring
selected retail opportunities to our members via direct mail, email and
telemarketing. These businesses may include providers of direct marketing
services and applications, including lookup and reference, data enhancement,
suppression and validation and email marketing.
How We Protect Your Privacy
Once your information reaches our server, it is protected by a firewall. With
a firewall in place, your information is virtually inaccessible to third
parties. In addition to encryption and firewall protections, we have all of
our business affiliates agree to operate in accordance with federal and state
laws and regulations, including regulations relating to CAN-SPAM and rules
promulgated by the Office of the Federal Privacy Commissioner. If we learn
that any of our business affiliates are breaching our agreement, and
therefore your trust, we will take corrective actions immediately or
terminate our relationship with such business affiliate.
Changes to your Information
If you want to change the information that you submitted, or make other
significant changes to your Preliminary Application, please do so by making
another request through our Site.
Notification of Changes to Privacy Policy
We may unilaterally amend this Privacy Policy at any time by posting a new
privacy policy on the Site. Be sure to check the current terms of any privacy
policy in effect by visiting this Site. By checking the effective date of the
policy, you will be immediately alerted on whether the Privacy Policy has
been amended. Please note however, that all amended terms, or the new privacy
policy shall automatically become effective 30 days after initial posting.
From time to time, we may use your information for new, unanticipated uses
not previously disclosed in our Privacy Policy. Please note that if our
information practices change at some time in the future, we will use only
data collected from the time of the new privacy policy amendment forward for
those new purposes.
ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your personal information we hold about
you. You may request access to any of the personal information we hold about
you at any time. To access personal information we hold about you, e-mail
your request to: privacyrequest@personal-loans.com.au
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