In order to provide a better service to you, we may collect and process the following data about you:

information that you provide by filling in forms on our website. This includes information provided at the time of registering to use our website, subscribing to our service, posting material or requesting further services. We may also ask you for information at other times, for example in connection with a promotion or when you report a problem with our website;

details of transactions you carry out through our website and of the fulfilment of your orders;

details of your visits to our website and the resources that you access.

We only retain personal data for so long as it is necessary. Data may be archived as long as the purpose for which the data was used still exists.

The purposes for which information may be used by us include:

ensuring that content from our site is presented in the most effective manner for you and for your computer;

providing you with alerts, newsletter, education materials or information that you requested or signed up to;

complying with laws and regulations applicable to us or any of our affiliates in or outside Australia;

promoting and marketing services and products subject to your exercise of the opt-out right

We intend to use your data in direct marketing and we require your consent (which includes an indication of no objection) for that purpose. By using our website, unless you tell us otherwise, you agree that:

your name, contact details (including address, contact number, email address), products and services information, transaction pattern and behaviour, background and demographic data held by us from time to time may be used by us in direct marketing;

We may conduct direct marketing via fax, email, direct mail, telephone and other means of communication or send e-newsletters to you. You may choose not to receive promotional materials, by simply telling us (see below for contact details), and we will cease to do so, without charge.

personnel, agents, advisers, auditors, contractors, financial institutions, and service providers in connection with our operations or services;

persons under a duty of confidentiality to us;

persons to whom we are required to make disclosure under applicable laws and regulations in or outside Australia.

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

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By using our service, making an application or visiting our website, you consent to the collection and use of your information  as outlined in this policy.

Under the Privacy Act (the "Act"), individuals have the right:

to check whether we hold personal data about you and to access such data;

to require us to correct as soon as reasonably practicable any data relating to you that is inaccurate;

to ascertain our policies and practices in relation to personal data and the kind of personal data held by us; and

to withdraw your consent to the use of your personal data for marketing purposes and we shall not use your personal data for marketing purposes after you communicate your withdrawal of consent to us.