PRIVACY POLICY

PRIVACY POLICY

The privacy of the personal information you provide to Credit-on-line is important to us. Our privacy policy governs the collection and use of personal information by Credit-on-Line, the Financial Consultants and Finance Providers that will assist you. Credit-on-Line’s Privacy Policy sets out how we intend to respect your rights to privacy in accordance with the National Privacy Act.

This Privacy Policy applies to the services offered on the credit-on- line.com.au website offered by Credit-on-Line (ABN [to be inserted]). Please read this Privacy Policy carefully before using the credit-on- line.com.au website. Usage of this website is conditional upon you agreeing to be bound by this Privacy Policy.

In summary, while you should read each provision in this Privacy Policy, you must note that by using the credit-on-line website:

You agree that if you submit your personal information to us, we may create a database record about you and this information may be passed to a Financial Consultant, Financial Provider and/or other third parties.


1. Your personal information is important to us
Credit-on-Line is committed to safeguarding your personal privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.

Unless you give us consent to do otherwise, Credit-on-Line will only collect and use your personal information provided using this website as set out below.


2. Collecting information about you
Credit-on-Line will not use any personal information about you without your consent. The only personal information we collect when you use this website is what you tell us about yourself, for example by completing the questionnaire on our site, and information about how you use our site.


3. Using and disclosing your personal information We intend to use your information provided using this website for the following purposes:

· To fulfil our obligations to you.

· To give your information to a Financial Consultant, Financial Provider, broker or the relevant credit provider if you complete the questionnaire on this website.

· To ask your opinion or comments about our services.

· To give your information to other service providers that you have specifically consented to on the questionnaire including conveyancers, accountants and other industries related to the product in which you are interested.

Please note that in order to operate the website or deliver a service we may sometimes share your personal information with other service providers.

As Credit-on-Line recognises the trust you place in us when you give us personal information, we will not disclose any information about you provided using this website for other purposes without your consent, except in exceptional circumstances such as if disclosure is required by law or is necessary to protect the rights or property of Credit-on-Line or any member of the public, or to lessen a serious threat to a person’s health or safety.


4. When we will contact you We may contact you at the email or other address which you provided us in order to:

· Provide you with information which may be of interest about updates, new credit-on-line services or the services or products offered or distributed by the Financial Consultants or Finance Providers.

· To send you a newsletter.

If you do not wish to receive this information please contact us [insert link to contact page] with your request.


5. Storage and security of your personal information

Credit-on-Line will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities. Our Financial Consultants, Financial Providers, brokers, partners and our employees are obliged to respect the confidentiality of any personal information provided to them by Credit-on-line. HOWEVER we cannot guarantee the security of communications over the internet, we cannot give you an absolute assurance that your information will be secure at all times. Credit-on-Line will not be held responsible for events arising from unauthorised access to your personal information.


6. Credit-on-line and links to other websites

Credit-on-Line may provide links to websites outside the credit-on-line site. These links are not under the control of credit-on-Line and we are not responsible for the conduct of companies linked to our website. Before disclosing your personal information on any other website, you should examine the Terms and Conditions of those websites.


7. Accessing personal information held

If at any time you want to know what information we hold about you, you are welcome to request your information by emailing us at info@credit-on-line.com.au. If you wish to change or correct your personal information that is inaccurate or out of date please email us at info@credit-on-line.com.au. To have personal information deleted please let us know in the above manner and we will take reasonable steps to delete your information unless we are required to keep it for legal reasons.


8. What to do if you have a problem or question

If credit-on-line becomes aware of any ongoing problems or concerns with areas of our website, we will take these issues seriously and work to address these concerns. If you have any queries, or a problem or complaint, about our Privacy Policy please contact us [insert link to contact page].


9. Future Changes

Our commitment to being a leader of online financial services means that our business will continue to grow and evolve as we introduce new services and features to our website. Because of this and from time to time our policies may be reviewed and may be revised. Credit-on-Line reserves the right to change its Privacy Policy at any time and notify you by posting an updated version of the policy on this website. The amended Privacy Policy will apply between us whether or not we have given you any specific notice of the change.



Date of issue: September 2006

Terms and conditions link

TERMS AND CONDITIONS


This website is provided by Credit-on-Line (ACN 122 261 376) (“Credit-on-Line”).


Your access to this website and your use of the services provided through it are subject to these legally binding terms and conditions. Please read them carefully.


1. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY

1.1 The information provided on this website is general information and provided to assist you by putting you in touch with various options for borrowing money. The information on this website is not legal, financial or real estate advice and is not suitably relied on as such advice. You should obtain professional legal, financial or real estate advice before applying for any loan or purchasing any property. Credit-on-Line excludes all liability for any loss or damage (economic, non-economic or otherwise) suffered by you as a result of your reliance complete or partial on the information or contents of this website.


1.2 This website contains content and links to content provided by and maintained by third parties (“Third Party Content”). Credit-on-Line makes no representation or warranty as to the accuracy or reliability of any Third Party Content and excludes all liability for any loss or damage (economic, non-economic or otherwise) suffered by you as a result of your complete or partial reliance on this Third Party Content.


1.3 This website contains the details of terms and conditions of various loans provided by Third Parties. You acknowledge and agree that:

(a) interest rates are subject to variation and that this information is only current as at the date of currency specified; and

(b) you should confirm the details of any loans by contacting your Financial Consultant or Financial Provider.


1.4 To the maximum extent permitted by law, Credit-on-Line does not give any warranty in relation to the content, accuracy, source or any other aspect of the information contained on this website and any other condition or warranty which would otherwise be implied in relation to your use of this website is hereby excluded. To the extent that Credit-on-Line’s liability cannot be legally excluded, Credit-on-Line’s liability will be limited to the provision of the service or the cost of providing the service again.


1.5 In no event shall Credit-on-Line be liable for any loss of profits, savings, contracts, revenue, interest or goodwill or for any consequential, direct, indirect, incidental, special or punitive loss, damage or expenses or loss or damage to data even it has been advised of their possible existence.


2. USE OF THIS WEBSITE

2.1 You acknowledge that:

(a) the Internet is not no error or fault free and that you may experience interruptions or difficulties in accessing this website from time to time;

(b) we may immediately suspend the operation of this website:

(i) during any technical faults, modification or maintenance involving the website; or

(ii) if we are acting reasonably, deem it necessary to protect against fraudulent or illegal use or otherwise protect us or our service providers from legal liability.


3. MISUSE OF THIS WEBSITE

3.1 You must not:

(a) hack into this website, our computer systems. HACKING means malicious damage or interference and includes without limitation, mail bombing, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or website;

(b) use robots or any other automated system to take information or data from this website.


4. Privacy Policy

Please see our Privacy Policy [include link to Privacy Policy].


5. INTELLECTUAL PROPERTY

You acknowledge and agree that the content (including without limitation the text, graphics, photographs, sounds or other materials presented on this website (“Content”) is protected by copyright, trade mark, patents or other proprietary rights and laws. You are only permitted to use the Content as authorised by Credit-on-Line.


6. GENERAL

These terms and conditions are to be governed by the laws in force in the state of Victoria, Australia and each party hereto irrevocably submits to the exclusive jurisdiction of the courts of Victoria, Australia.