Last Update: 5th December 2013
If you do not wish to provide personal information to us, then you do not have to do so, however it may affect your use of this Website or any products and services offered on it.
1. What personal information do we collect from you?
General information requested: We may collect personal information from you in the course of our business, including if you input personal information on the Website or otherwise provide personal information, requested by us. This information requested is set out in our requests. It may include your name, address, phone number, email address, and other personal and/or demographic information.
Additional: If we offer additional benefits to you, we may ask you to provide us with your personal information for these purposes. Providing this information is optional to you. If you do not provide this information to us, we may not be able to contact you or give you access to the additional benefits. .
Institution : If you request us to access bank/financial information on your behalf, you will be asked to provide us with the name of your bank/financial institution, and your username and account log in details, so that the bank/financial institution can identify you to access your records and your account log in details.
Payment: If you pay for a service then you need to provide your payment details, for example credit card, debit card or PayPal.
Communication: If you choose to have your bank/financial statement data sent to you, you will need to provide us with an email address.
Opinion: We may conduct surveys or market research to seek your opinion and feedback.
We will not ask you to provide personal information that may disclose your political, religious or philosophical beliefs or affiliations, health and sexuality, racial or ethnic origin, or criminal convictions.
2. How do we use the personal information that we collect?
General: We use certain personal information for purposes including internal record keeping; for business development and marketing purposes; identifying and understanding user needs; to contact you including for market research purposes; for marketing (including direct marketing) communication; and to customise, improve and ensure proper functioning of our Website.
Additional: If we offer additional benefits to you, and you choose to provide additional personal information for these purposes, we may use your personal information to send you promotional information about third parties that we think you may find interesting.
Institution: If you provide us with bank/financial information, we use this to access the bank/financial information that you request us to access on your behalf, from the bank/financial institution that you nominate, for the lender/financial institution that you nominate.
Payment: If you provide us with personal information for payment details, then we will use the personal information for your payment.
3. How do we disclosure your personal information?
General: We customarily do not disclose, or permit the disclosure of your personal information:
(a) in a way that could be used to identify an individual member in any circumstances; or
(b) to unrelated third parties, including to third party recipients overseas;
If there is a change of control of our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser. We would seek to only disclose information in good faith and where we have sought to maintain confidentiality.
Institution: We disclose the bank/financial information that you provide to us (including your username and account log in details) as required to the bank/financial institution to access the information that you request us to access on your behalf.
Payment: We disclose the personal information that you provide to use for payments, as directed by you to process your payment.
4. Your Rights:
6. Storage and Security
General: We are committed to keeping your personal information secure. We take all reasonable steps to ensure that the personal information collected from you is accurate, up to date, complete and stored in a secure environment and accessed only by our authorised personnel. Our service is a read only service. We have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure. User login credentials are not stored in any form. Connections are encrypted using 256-bit encryption with 2048-bit keys. All server login access is monitored. Anomalous and potentially fraudulent activity is detected and logged, and access may be revoked temporarily or permanently.
Transmission: Please note that no information transmitted over the Internet can be guaranteed to be secure. We cannot guarantee the security of any information that you transmit to us, or receive from us. The transmission and exchange of information is carried out at your own risk.
Institution: We will not store your banking username and account log in details. We may store generated bank/financial statements on behalf of the lender/financial institution. We may store anonymous account and transaction data, and other data obtained through your financial institution, in a way which is not personally identifiable, and is encrypted where possible. This data may be used to provide better services to you and other users of our website and service, or to generate anonymous aggregate data.
7. Links to third party websites