This Privacy Policy describes Our policy relating to the collection, use and disclosure of Your Personal Information including in relation to Your access to and use of Our Site and Service. By accessing and using Our Site and Service, You consent to be bound by this Privacy Policy (as amended from time to time).
You also acknowledge that We may periodically change, modify, add or remove or otherwise update this Privacy Policy at Our discretion.
Unless otherwise defined, the definitions in the Site’s Terms and Conditions available at https://zamm.com.au/terms-and-conditions/ apply to this Privacy Policy.
- What is Personal Information?
- ‘Personal Information’ referred to in this Privacy Policy consists of any information or opinion that identifies You or that will enable Your identity to be reasonably ascertained. Personal Information can include Your name and contact details such as Your residential or postal address, email address, date of birth or Your telephone number.
- Information which cannot be reasonably linked to Your identity (e.g. IP address, browser information, favourite websites, the number of users of a website, location data etc.) does not constitute Personal Information.
- What Personal Information do We collect?
- We may collect information about You when You visit Our Site and/or use Our Services. We actively collect certain information You voluntarily provide to Us, such as when You create an account and profile, send Us an email or post information or other content to Our Site or the Service.
- We may collect and retain the following information:
- Your name, age, email address, mailing address, phone number, mobile phone number and credit card information (if required);
- if You create an account on the Site, Your user ID and passwords;
- any Personal Information contained in the Data you submit to the Site and/or the Service; and
- any other Personal Information You provide to Us for the use of the Site or Service.
- When using the Site, Service or uploading Data through the Site, We may also collect and store the following details, including:
- content that You have viewed;
- IP address from which You access the Site or use the Service;
- the date and time You access the Site or use the Service;
- any third-party website from which You linked to the Site;
- statistics on page views, traffic to-and-from the Site;
- information on Your customers’ profile, loans, assets, Personal Information or mortgage-related details; and
- other transactional information about Your access to the Site or the use of the Service.
- Use of Cookies
In visiting the Site or using the Service, We may also utilise “cookies” to enable Us to monitor Your patterns and trends to serve You more efficiently. A cookie does not identify You personally, but it does identify Your computer. You can set Your internet browser to notify You when You receive a cookie and this will provide You with an opportunity to either accept or reject it in each instance.
- How do We use Personal Information?
In addition to using Your Personal Information to enable Us to complete any transactions as contemplated by Your use of the Site and/or the Service, this information may be used:
- for the conduct of Our business in operating the Site and providing the Service;
- to respond to Your requests and contact You when necessary;
- to provide You with news, information and material in relation to the Service or direct marketing and promotional content of Us, Our partners and affiliates;
- to monitor who is accessing the Site or using the Service;
- to profile the type of people using the Site or using the Service;
- to improve the Site or Service;
- to design new features and external systems on the Site or Service; and
- as otherwise permitted by law.
- To whom do We disclose Personal Information?
- Subject to this Clause 5, We do not share or disclose your Personal Information with third parties, except where it would be reasonable for You to expect Us to use or disclose the information for the uses described in Clause 4 (Primary Purpose) or for another purpose (Secondary Purpose) provided that the Secondary Purpose is directly related to the Primary Purpose.
- We may also disclose Personal Information to respond to requests of government or law enforcement agencies or where disclosure is required by an applicable Australian law or court / tribunal orders. Disclosures may also be made for data privacy or security audits and/or to investigate or respond to a complaint or security threat.
- We do not and will never sell Personal Information to any third parties nor will We transfer your personal information to any third parties for their own direct marketing use.
- Your Personal Information and Data will be stored in data centres located in Australia. To this end, you consent to the disclosure of any Personal Information and Data to the operator of such data centres.
- Can I opt-out of providing Personal Information?
- If You do not wish to have Your Personal Information used or disclosed in a manner described in this Privacy Policy, You can contact Us. However, You may not be able to access, or use, all or part of the Site or Service.
- In addition, We may still use or disclose that information if:
- We subsequently notify You of the intended disclosure and You do not object to that use or disclosure;
- We believe that the use or disclosure is reasonably necessary to assist a law enforcement agency or an agency responsible for government or public security in the performance of their functions;
- to enforce Our Terms and Conditions;
- to protect Our rights;
- to protect the safety of members of the public and users of the Site or Service; or
- We are required by law to disclose the information.
- Data Security
- We will take reasonable steps to protect all Personal Information which we hold from misuse, loss and from unauthorised access, modification or disclosure.
- You should be aware when using the Site or Service that no data transmission over the internet can be guaranteed as completely secure. We do not warrant the security of any information You transmit to Us over the internet, and You do so at Your own risk.
- How can You access and correct Your Personal Information?
- We encourage You to update Us regularly with Your Personal Information to ensure We hold information about You that is up-to-date, accurate and complete. You may make a request for access to or correction of any Personal Information we hold about You. We may request You to verify Your identity before processing Your request.
- In some circumstances where We correct a record, We may still require retention of the original record.
- In some circumstances, We may refuse to provide You with access to or correct Your Personal Information including, but not limited to, where:
- giving access would have an unreasonable impact on the privacy of others;
- the information relates to existing or anticipated legal proceedings, and the information would not be discoverable in those proceedings;
- giving access would be unlawful;
- denying access is otherwise required or authorised by law; or
- the request for access is frivolous or vexatious.
- If We refuse to provide You with access to or correct Your Personal Information, We will provide You with an explanation in writing.
- Links to other websites
The Site may contain links to other internet websites or integrations from time to time. We are not, however, responsible for other websites’ privacy practises or website content and are not liable for any damages incurred by You in connection with the use of third-party websites or integrations.
- Contact Us
We are committed to protecting the privacy of Your Personal Information. If You have questions or comments about Our administration and management of Your Personal Information, please contact Us at [email protected]. You may also use this address to communicate any concerns or complaints You may have regarding compliance with this Privacy Statement, or to correct any of Your Personal Information about You. We will endeavour to respond to Your communication within a reasonable time after the communication is made.
- Governing law
You agree that this Privacy Policy and the Terms and Conditions are construed in accordance with the laws in force in the State of Victoria.
You irrevocably submit and accept the exclusive jurisdiction of any of the Courts of the State of Victoria or the Commonwealth of Australia and any courts of appeal from these courts.