Kredmo’s Privacy Policy

We recognise that your privacy is very important and that you have a right to control personal information. Personal information is information or an opinion about an individual whose identity is apparent, or can reasonably be ascertained. It includes all personal information regardless of its source. We know that providing personal information is an act of trust and we take that seriously. The following sections set out how we handle and protect your personal information and safeguard your privacy.

What information do we collect?

The types of information we keep on record will depend on the type of product or service requested by you. Generally, we keep a record of the following types of information about you:

-information that identifies you, such as your name and address and other information provided by you;

-if you use a comparison tool, contact form, online survey or other tool (“Website Tool”) on our website, the information that you enter into the Website Tool;

-Your IP address for your interaction with various parts of our website. Your IP address is the identifier for your computer when you are using the internet.
We do not seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the APPs. During our dealings with you, we may gather information about you relating to all products and services that we or our business partners provide to you. This information is used to help us decide how we can improve our service delivery to you. We collect and hold information about you when you:
-complete an online form or use a Website Tool;
-provide us with your email address;
-or access and use our services through our website.

We also collect some statistical information about visitors to our website (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded). Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website performance and continually improve our services. We may disclose this information in an aggregated form to third parties including advertisers or potential advertisers. We allow third-party companies to collect certain anonymous information when you visit our website. These companies may use non-personally identifiable information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information. Other than statistical information, we do not collect any information about you through our website unless you provide the information to us. You need not give us any of the personal information about you or any other person which may be requested in our communications with you. However, without that information, we may not be able to fulfil your request or provide you with an appropriate level of service.

How do we use your personal information?

We use your personal information to:

-responding to your requests;
-operating and improving our websites, products and services;
-providing you with news and information about our products and services (including newsletters, product surveys and special offers);
-providing you with more effective customer service;
-enabling us to conduct customer research;
-performing research and analysis aimed at improving our products, services and technologies;
displaying content and advertising that are customised to your interests, preferences and experiences;
-occasionally sending marketing and promotional material about our products and/or services (or the products and/or services of our Related Bodies Corporate) that we believe you may be interested in.
-conducting competitions or promotions on behalf of Kredmo and selected third parties;
verifying your identity;
-communicating with you, including by email, mail or telephone.
-investigating any complaints about or made by you, or if we have reason to suspect that you are in breach of any of our Terms of Use or that you are or have been otherwise engaged in any unlawful activity; and/or
-review your dealings with us, including the products and services you use, your potential needs, and new products that might be of interest to you or other customers;
-ensuring our internal business operations are running smoothly which may include fulfilling legal requirements and conducting confidential systems maintenance and testing; and/or
-using personal information as otherwise required or permitted by any law (including the Privacy Act).

Can we disclose personal information?

Usually we must get your consent before we tell anyone about you. You can give us your consent expressly or it may be implied by your conduct. By using our services you are deemed to have consented to the matters in this policy. We may disclose your personal information to:

-product and services providers for operational purposes, and also because from time to time they may choose to provide you with information about their products and services by ordinary post or email. You may opt-out of receipt of such marketing at any time by contacting directly those organisations which have obtained your information. If you do not have their details, you can request them from Kredmo’s Privacy Officer (details below).
-any organisation which you request us to, including a financial adviser, broker, solicitor, or accountant,
-our related companies and other organisations where reasonable to do so in relation to the operation of our business,
-protect and defend our rights or property,
-if we consider it necessary to do so in order to enforce or apply the terms of any of our agreements with you,
-contractors providing licensed collections services, credit card payment processing and CRM services, who comply with our privacy and security policies,
-if we sell our business or part of it to a third party,
-in extreme circumstances to protect the personal safety of our customers, website users, staff or the public; and
-law enforcement, regulatory and government bodies, government agencies and courts, if we are required to by law to do so.

We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.

How do we store personal information?

We provide a robust level of security when you use our online products and services. We have physical, electronic and procedural safeguards to protect your information which is held by us. Access to information stored electronically is restricted to staff whose job purpose requires access. We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose.

Our Use of Cookies

A “cookie” is a small text file that is placed on your hard disk by a Web server. Cookies contain information that can later be read by a Web server in the domain that issued the cookie to you.

How we use cookies

We use cookies to enable you to sign in to our services and to help personalise your online experience. One of the primary purposes of cookies is to store your preferences and other information in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalised content.

Declining cookies

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to use other interactive features of our website and services that depend on cookies, and some advertising preferences that are dependent on cookies may not be able to be respected. If you choose to accept cookies, you also have the ability to later delete cookies that you have accepted. If you chose to delete cookies, any settings and preferences, including advertising preferences, controlled by those cookies will be deleted and may need to be recreated.

Use of Web Beacons

Our websites may contain electronic images known as “web beacons” – sometimes called single-pixel gifs – that may be used to assist in delivering cookies on our sites and allow us to count users who have visited those pages and to deliver other services.

How we use web-beacons

We may include web beacons on all webpages on Kredmo in order to determine whether messages have been opened and acted upon. We may also employ web beacons from third parties in order to help us compile aggregated statistics regarding the effectiveness of our promotional campaigns or other operations of our websites.
Finally, we may work with other companies that advertise on our website to place their web beacons on our sites in order to allow us to gather statistics and better target advertisements on our website that may result in a purchase or other action on the advertiser’s site.

Amendment of this policy

We may amend this policy from time to time. Not all changes to our privacy policy will require your consent, for example where office security procedures are changed. We will notify you of any change to our information handling policy that requires your consent before being implemented. If you do not wish to receive information about our products and services then please tell us. You can do this at any time by writing to us or telephoning us at the contact details listed below.

Access to your information

You can request access at any time to personal information we hold about you by using the contact details below. We will process your request within a reasonable time, usually 14 days for a straightforward request. More time may be needed, depending on the nature of the request. There is no fee for requesting access to your information; However, we may charge you the reasonable cost of processing your request. Sometimes we are not required to provide you with access – for example if the law says we can deny access. If we refuse you access to your personal information, we will tell you the reason why.

Correction of information

We try to ensure that all information we hold about you which we collect, use or disclose is accurate, complete and up to date. You must promptly notify us if there are any changes to your personal information. You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time In this policy, reference to “we/us” means Kredmo Pty Ltd ABN 46 624 938 932.

Contact Details and Complaints

If you have any questions, concerns or complaints about our privacy policy or practices please contact us on: email [email protected] We will try to answer any questions you may have, correct any error on our part or resolve any complaint that you may have about our information handling practices. If we do not resolve a complaint to your satisfaction, you also have the right to complain to the Privacy Commissioner. You acknowledge and accept that your use of the Kredmo website indicates your acceptance of the Kredmo website Terms of Use and Privacy Policy.