Our approach to privacy
Money Buddy recognises the importance of protecting the privacy of personally identifiable information (herein referred to as "PI") collected about our web users and Money Buddy members.
We are committed to the protection of PI in a manner which is fair and unobtrusive. We meet the standards set out in the Privacy Act 1988 (Commonwealth) and the National Privacy Principles ("NPPs") regarding the way in which we will collect, hold, use and disclose PI and respond to your requests to access and/or correct it. This policy sets out how we handle your PI and the rights and obligations that we both have in relation to that information.
Money Buddy also complies with the Spam Act 2003, which deals with restrictions on sending emails.
By using our site, you consent to Money Buddy’s collection and use of your personal information.
Collecting your information
We collect PI about people in a number of different ways, including:
- If you sign up to the member centre and/or email news bulletin.
- If you leave a business card with one of our staff members.
- If you write, phone, fax or email us and leave your details.
- If you are already on one of our staff members' or company contact lists.
- If we are engaged in some formal form of work with you or your company.
We may record your details if you are in contact with us, however, we will not use or disclose your details to anyone outside Money Buddy, without your consent. We do not sell or pass-on, any of our mailing or contact lists. We only use PI we collect for the purpose of contacting you if we are engaged by you, or wish to provide you with information we think might interest you.
Collecting your information using this website
We generally only collect PI from this website when it is provided voluntarily by you.
When you visit this website or download information from it, our Internet Service Provider (ISP) makes a record of your visit and records some or all of the following information:
- Your Internet address.
- Your domain name, if applicable.
- The date and time of your visit to the website.
Our ISP also collects information such as the pages our users access, the documents they download, links from other sites they follow to reach our site, or exit our site, and the type of browser they use. However, this information is anonymous and is only used for statistical and website development purposes. No attempt will be made to identify you or your browsing activity except, in the unlikely event of an investigation, where a law enforcement agency may produce a warrant to inspect our ISP's logs.
Depending on the nature of the competition or offer, we will ask for your personal details such as your name, address, email address, age, telephone number/s and/or gender. Sometimes in relation to a particular competition we may also seek additional information.
Consequence of not providing PI
In accordance with the National Privacy Policies, you may deal with us on an anonymous basis where practical. However, we may not be able to provide a complete service to you if PI is not provided upon request. For example, providing incomplete information could render a competition entry invalid.
The type of information we may hold about you
We only hold information about you that is relevant to our relationship with you. Generally, the PI we hold will include (where relevant) your name, contact details, member centre login name, and records of correspondence.
If our relationship with you is not solely one of website user or Money Buddy member, we may collect other information that we consider necessary in the circumstances, such as the nature of the products or services that you supply, quotes that you provide, your credit details and payment details, type of business and billing statements.
Sensitive information includes information about your race or ethnic origins, political opinions, religious or philosophical beliefs, trade union membership, or details of health, disability or sexual activity or orientation. We rarely ask for sensitive information, but may do so occasionally as part of competition, promotion or survey, for example. We will not ask for sensitive information unless:
- you have consented;
- the collection of the information is specifically authorised by law;
- the collection is necessary to lessen a serious or imminent threat to the health or safety of any person; or
- the collection of the information is necessary for the establishment, exercise or defence of a legal claim.
How we use and disclose your information
We use your information to provide and market our services to you, and to enhance and develop our relationship with you.
Money Buddy may disclose your information to service providers, agents, contractors and strategic partners from time to time to help us to provide and market our services to you. If we do this, we generally require these parties to protect your information in the same way we do.
We may disclose your personal information to third parties if required to do so by law or in the good-faith belief that such action is necessary to:
- Conform to the law or comply with legal process served on Money Buddy
- Protect and defend the rights or property of Money Buddy
Third Party Links
A cookie is a small message given to your web browser by our web server. The browser stores the message in a text file, and the message is then sent back to the server each time the browser requests a page from the server.
When cookies are used on this site, they are used to store information relating to your visit such as a unique identifier, or a value to indicate whether you have seen a web page. They are used to distinguish your Internet browser from the thousands of other browsers. This site will not store personal information such as email addresses or other details in a cookie.
Most Internet browsers are set up to accept cookies. If you do not wish to receive cookies, you may be able to change the settings of your browser to refuse all cookies or to notify you each time a cookie is sent to your computer, giving you the choice whether to accept it or not.
You take on line privacy seriously, and so does Money Buddy. It's our way of sustaining your trust in Money Buddy and our products and services. This means we will take all reasonable measures to ensure your information is secure and have implemented technology for this purpose.
We use a variety of physical and electronic security measures, including restricting physical access to our offices, and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.
However, the Internet is not a secure environment. If you use the Internet to send us any information, including your email address, it is sent at your own risk.
You have a right to access most PI we hold about you. Please contact us to ask for access to your information, or if you have a complaint concerning your information privacy. We may deny your request in some circumstances. If we do this, we will tell you why.
If you think that any information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected.
Other things you should know about privacy on the Internet
Remember to close your browser when you have finished your user session. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe. You as an individual are responsible for the security of and access to your own computer.
Whenever you voluntarily disclose personal information over the Internet that this information can be collected and used by others. In short, if you post personal information in publicly accessible online forums, you may receive unsolicited messages from other parties in return. Ultimately, you are solely responsible for maintaining the secrecy of your username and passwords and any account information. Please be careful and responsible whenever you are using the Internet.
Changes to this policy
If you would like more information concerning how we handle your information, or our approach to privacy, please contact us.