By using this site, you agree to the internet privacy policies of www.ratesonline.com.au web site, which is set out below. The internet privacy policies relates to the collection and use of personal information you may supply to us through your conduct on the web site. (www.ratesonline.com.au is a web site of Ratesonline.com.au Pty Limited which we refer to as "we", "our" and "us" in this internet privacy policy).
We reserve the right, and in our sole discretion to modify or remove any portion of this internet privacy policy at any time. This policy is in addition to any other terms and conditions applicable to the www.ratesonline.com.au web site.
We do not make any representations about any third party web sites that may be linked to this web site.
We recognize the importance of protecting the privacy of information collected about visitors to our site, in particular information that can identify an individual (personal information).
This internet privacy policy governs the manner in which your personal information that may be obtained through the use of this web site will be dealt with.
PERSONAL INFORMATION
Personal information to our site is collected where only when you knowingly and voluntarily submit such information. It is our intention that this policy will protect your personal information from being dealt with in any way which is inconsistent with the purpose for which you gave the information and inconsistent with any applicable privacy laws of Australia.
USE OF INFORMATION
Any personal information that a visitor provides to us on the use of this site will be used only for the purpose for which it is submitted unless we disclose other uses in this internet privacy policy from time to time or at the time of collection. You acknowledge that the information you submit will or may be provided to a Lender or Mortgage Broker for the purpose of providing the service and answering of your enquiry. You acknowledge that the information will then be held by that Lender or Mortgage Broker subject to their privacy obligations and policies, which may not conform to this internet privacy policy.
Further, the information that you provide may be stored for archive and back up purposes as well as record keeping. By your use of the web site you acknowledge the use of this information in the matter set out herein.
DISCLOSURE
Further to the use of the information above there may be special circumstances where personal information may be disclosed in where we have reason to believe that doing so is necessary to identify, contact, or bring legal action against anyone damaging, injuring or interfering (intentionally or unintentionally) with our rights or property, users or anyone else who could be harmed by such activities.
Also we may disclose personal information where we believe in good faith that the law requires such disclosure.
SECURITY
The World Wide Web exists across open, public networks that are neither secure nor private. Although we strive to ensure the security and integrity of all personal information and the privacy of each individual submitted to our web site and we review our security we can not guarantee total security. You acknowledge and accept the risk that:
(a) Transmissions to and from this web site may be intercepted, used, and modified by third parties; and
(b) Materials obtained from and through this web site may contain computer viruses or other defects.
We will endeavour to take all reasonable steps to protect your personal information and once we receive your transmissions we will also use our best efforts to ensure it's security on our system.
WEB SITE OPERATORS
We disclose that we may use an external company to measure and analyse the internet usage across our web site. We may use the external company to collect information for us on matters of numbers of pages viewed, numbers of visitors to our web site, consumer behaviour on our web site and alike.
This non- personal information will be collated an external company and provided to us to assist us in analysing our web site. We may make this information available to other organisations including research companies for the purposes of comparisons.
ACCESS
We take all reasonable steps to keep secure any information we hold about you and to keep this information up to date and accurate we would ask that if you ever discover that information held about you is incorrect you contact us immediately so that the information may be corrected.
GENERAL INFORMATION ONLY
The material on our web site is provided for general information only. It is not intended as advice and must not be relied upon as such. You should make your own enquiries and take independent advice tailored to your specific circumstances prior to making any decisions in relation to any information you receive from this web site.
LIMITATION OF LIABILITY
Ratesonline.com.au Pty Limited and its related companies do not exclude any rights and remedies available to you under the Trade Practice Act (Commonwealth) or any similar state or territory Legislation which can not be excluded, restricted or modified. Otherwise Ratesonline.com.au Pty Limited and its related companies exclude all conditions and warranties which may be implied by law.
You expressly agree and understand that in no circumstances will Ratesonline.com.au Pty Limited or its related companies be liable to you for any indirect, incidental, special and or consequential losses or damages or loss of profits of whatever nature howsoever arising (including but not limited to any act or omissions by Ratesonline.com.au Pty Limited or its related companies) which result from:
(i) The use of or access to or any inability to use or access the www.ratesonline.com.au network or any material on the www.ratesonline.com.au network;
(ii) Unauthorized access to alteration of your transmission or data or;
(iii) Statement or conduct of any third party on the www.ratesonline.com.au network.
APPLICABLE LAW
These conditions and all other specified and additional terms which govern your use or access to the www.ratesonline.com.au web site will be governed by and construed in accordance with the laws of the state of Victoria, Australia.
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