We respect your personal information and your
right to privacy
At
Capitalised.com, protecting your privacy and the confidentiality of
your "personal information" is very important to us and is fundamental
to the way we serve you.
Personal information means information or an opinion (including information
or an opinion forming part of a database) we hold about you from which
we can determine your identity. For example, we may collect and use your
name and address details when you acquire or use particular
Capitalised.com services. Collecting and using this personal information
ensures we can deliver our services to you as efficiently as possible.
At
Capitalised.com, we know that giving your personal information to us
imposes a serious responsibility upon us.
We are committed to protecting your personal information. Where your
personal information may be disclosed, and to the extent that we can,
we believe in giving you a choice as to whom we may disclose your personal
information, who may use your personal information and how that personal
information may be used.
We believe that our Privacy
Policy complies with the requirements of the
Privacy Act 1988.
How we collect your personal information
Generally,
Capitalised.com will collect personal information directly
from you, and only to the extent necessary to provide an
Capitalised.com service, including our "agency" functions, or to
carry out our internal administrative operations. For example, we may
collect personal information from you when you fill in an application
form, deal with us over the telephone, ask us to contact you after visiting
our web site or have contact with us in person.
We will collect personal information from you by lawful and fair means
and not in an unreasonably intrusive way.
The type of personal information we may collect from you generally comprises
name, address, age group, gender, contact details (including phone, fax
and e-mail) and information collected as a result of you using or acquiring
particular
Capitalised.com services.
How we use and disclose your personal information
Generally, we collect your personal information in order to provide you
with, or give you access to, a particular
Capitalised.com service.
The personal information we collect from you ultimately allows us to
provide you with better customer service.
We may also use or disclose your personal information for purposes related
or ancillary to the main purpose for which we collect it and where such
use or disclosure would be reasonably expected by you. Some examples are:
|
|
Helping us to build a relationship with you
|
|
|
Internal accounting and administration
|
|
|
Regulatory reporting and compliance
|
|
|
Protecting you and
Capitalised.com from fraud
|
|
|
Helping us to identify and inform you about other
Capitalised.com services that may be of benefit to you.
|
Also, we sometimes outsource some of our internal functions and activities
to other companies. In the course of doing this, we may disclose your
personal information, such as name and address details, to enable the
service provider to undertake that particular function.
Our Privacy Policy requires that confidentiality agreements be in place
specifically prohibiting these service providers from using or disclosing
your personal information for any purpose other than the reason it was
provided to them.
Occasionally, we may also collect, use or disclose your personal information
for the secondary purpose of facilitating the distribution of marketing
materials to you by
Capitalised.com
or a third party. We will not do this
if you ask us not to do so.
There are other situations where we are compelled by law to disclose
your personal information. For instance, under certain circumstances we
may be compelled to provide your personal information to law enforcement
agencies, the ASIC
or the Australian Taxation Office.
Our duty of confidentiality and your consent
We have a duty to keep confidential all personal information we hold
about you.
Generally, our duty of confidentiality applies except where disclosure
of your personal information is :
|
|
compelled by law
For example, disclosure to various government departments and agencies
such as the Australian Taxation Office, and disclosure to courts
under subpoena.
|
|
|
in the public interest
For example, where a crime, fraud or
misdemeanor is committed or
suspected, and disclosure against the customer's rights to confidentiality
is justified.
|
|
|
with your consent
Your consent is important to us. Your consent may be implied or
express and it may also be verbal or written.
|
You imply consent where we may reasonably conclude that you have given
consent by the actions you take or do not take. For example, where you
use a Capitalised.com, service or agency function,
you consent to Capitalised.com storing, using, maintaining and disclosing
your personal information to the extent necessary for us to provide that
particular Capitalised.com service to you.
If you do not consent to certain uses of your personal information we
may not be able to provide that particular
Capitalised.com service
to you.
We reserve the right to make changes to the
Capitalised.com Privacy Policy
and this Privacy Statement from time to time or as required by law.
Direct marketing and your privacy
From time to time we may use the personal information we collect from
you to identify particular Capitalised.com services which
we believe may be of interest and benefit to you. We may then contact
you to let you know about these services and how they may
benefit you.
If you do not wish to receive direct marketing information from
Capitalised.com, please tell us. Please note however that your instructions to one
part of our business may take a little time to flow through to the rest
of Capitalised.com.
Quality, accuracy and correction of your personal
information
If we have accurate personal information about you, it enables us to
provide you with the best possible service.
Capitalised.com takes reasonable steps to ensure the personal information
we collect, use and disclose is accurate, complete and up-to-date.
If you find that the personal information we hold about you is inaccurate,
incomplete or out-of-date, please contact us immediately and we will take
reasonable steps to ensure it is corrected.
Where
Capitalised.com does not agree with your view about the accuracy
of the information and if you ask us to do so, we will take reasonable
steps to note your claim where that information is stored and accessed.
|