Date Last Revised: February 8, 2016
Where used in this policy, the terms “End-User” or “Merchant” means a person making use of or connecting to our Services, “we” or “our” means Moneysmart and “personal information” means any information identifying or describing an identifiable individual, including, but not limited to information relating to their name, age, gender, reproductive status, marital status, national, ethnic or social origin, sexual orientation, physical or mental health, disability, conscience, belief, culture, language and birth of the individual; educational, criminal or employment history of the individual, credit or financial status or information relating to financial transactions in which they have been involved and any identifying number, address or contact information of the individual.
Commitments to Privacy
We are committed to maintaining the confidentiality, integrity and security of personal information and we will take all appropriate technical and organisational security measures to ensure that where any personal information is provided to us it will be protected against loss, destruction and damage, and against unauthorised or accidental access, processing, erasure, transfer, use, modification, disclosure or other misuse.
We shall not disclose to any person any personal data of a data subject that is processed or hosted by us unless such disclosure complies in all respects with the provisions of any applicable data protection legislation or regulations relating to the data subject.
You may be required to submit limited personal information when accessing our Services including a username, email address and password for the purposes of protecting user accounts against unauthorized access. In addition, document and files contained in the Services may contain the personal information of third parties.
We may automatically record certain information about the use of our Services such as account activity (e.g. storage, usage, number of log-ins, actions taken), data displayed or clicked on (e.g. GUI elements, links), and other log information (e.g. browser type, IP address, date and time of access).
We may use this information to provide authorized users with usage reports and internally to deliver the best possible service to clients, such as improving software user interfaces and maintaining a consistent, reliable and secure user experience.
We may also detect and log an End-User’s location and IP address in order to identify the End-User’s geographic region or time zone for routing traffic to geographically based servers or for managing time-sensitive tasks like the sending of notifications.
Like most online companies, our Services, including our website, other online services, applications, email messages and advertisements, if any, may use “cookies” and other technologies such as pixel tags and web beacons to collect information. A cookie is a small data file stored on the web browser on your computer’s hard drive. Cookies and other technologies allow us to count how many users visited certain web pages within our web site, their personal preferences and to measure the effectiveness of our website and electronic advertisements for different computing devices and regions.
We use this information to understand and analyse trends, to administer our web site, and to learn about user behaviour on our web site. If an End-User blocks cookies from being stored on a computer, the functionality of Services may be negatively affected.
We may carry out and perform functional, statistical, textual, semantic and other forms of analysis of non-personally identifiable data that is hosted or processed by us in relation to our Services. We do this to improve the performance of our Services, to understand the way in which our Services are being utilised, to identify usage patterns, market trends, to gain insights and to formulate new products and service offerings. We may also process, aggregate and anonymize personal data such that it does not reveal any confidential, personal or sensitive data or any features from which confidential, personal or sensitive data may be ascertained. We will never disclose confidential, personal or sensitive data without the direct or indirect consent of the party to whom we owe the duty of confidentiality and/or the data subject concerned. We may process and transfer anonymized data in our reasonable discretion including within the Moneysmart group of companies.
API’s and Third Party Processing
Where, for the purpose of providing the Services to you, any of our Services acts as an Application Programming Interface (“API”) for the purpose of specifying how different software systems should interact or share data with each other, or where for that same purpose any of our Services interact with other API’s, including third party API’s, we may aggregate, pass and retrieve data, including personal information, between the different software systems and third parties that interact via those API’s. We may make use of reputable third party service providers such as Yodlee, XDS and Socure to help us provide the Services to you. In this regard, we engage only with service providers who have security and privacy policies and procedures providing at least the same level of protection as we do ourselves. Where we make use of third party service providers, we require such third parties to maintain the confidentiality of any personal information we provide to them for that purpose. Some of these third parties may be situated outside of an End-User’s country of residence and you consent to your personal data and that of any data subjects that you provide to us being transferred cross-border so that we can provide the Services to you. You warrant that you have all necessary permissions to give us the above consent.
Communications with You
We communicate with our End-Users, Merchants and other persons by email and other messaging applications. You may opt out from promotional communications from us that are not strictly related to the provision of the Services to you.
Personal Information of Minors
We do not intentionally collect personal identifiable information from anyone who is a minor. If it is discovered that we have unintentionally collected personally identifiable information from a minor other than for a legitimate purpose associated with the Services, we will delete that information immediately.
Revisions and Termination
This policy may be updated from time to time at our discretion and changes will become effective upon posting to the site.
If Moneysmart merges with, or is acquired by, any other business, you acknowledge that your personal information may fall under the control of another person.
If you terminate your relationship with Moneysmart, portions of your personal information may be retained in back-ups and archives for as long as is reasonably necessary to assist us in meeting our legal compliance obligations.
Questions and Comments