Uncategorized
Privacy Policy
Updated 30 March 2011
We understand how important it is to protect your personal information. This document sets out our Privacy Policy commitment in respect of personal information that you may provide to us.
Our Privacy Policy ensures your right to privacy as we recognize that any personal information we may collect about you will only be used for the purposes indicated in our policy. It is important to us that you are confident that any personal information we collect from you or is received by us will be treated with appropriate respect ensuring protection of your personal information.
Our commitment in respect of personal information is to abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal Information
When we refer to personal information we mean information from which your identity is apparent. This information may include information or an opinion about you, from which your identity can reasonably be ascertained.
Why we collect your personal information
We collect and receive personal information from our customers or from other business referrers in order to conduct our business, including assessing and obtaining approval for loans. From time to time we may offer other products and services.
To enable us to maintain a successful business relationship with you, we may disclose your personal information with other organizations that provide products or services used or marketed by us. The types of organizations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, solicitors and lawyers. We may also disclose your personal information to any other organization that may have or is considering having an interest in your loan, or in our business.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information only directly from you.
To whom will we disclose your personal information?
Where possible, we will inform you, at or before the time of collecting your personal information, the types of organizations that we intend to disclose your personal information to.
Prior to disclosing any of your personal information to another organization, we will take all reasonable steps to satisfy ourselves that:
(a) The organization has a commitment to protecting your personal information at least equal to our commitment; and
(b) You have consented to us doing so.
Sometimes we are required or authorized by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court or Tribunal in response to a request or in response to a subpoena or to the Australian Taxation Office.
Direct marketing
From time to time we may use your personal information to provide you with current information about mortgage loans, special offers you may find of interest, changes to our organization, or new products or services being offered by us or any company we are associated with.
If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us.
We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Updating your personal information
It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.
Access to your personal information
We will provide you with access to your personal information we hold about you. You may request access to any of the personal information we hold about you at any time by contacting us.
We may charge a fee for our costs in retrieving and supplying the information to you.
Denied access to personal information
There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious.
An explanation will be provided to you, if we deny you access to your personal information we hold.
Business without identifying you
ln most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where, it is lawful and practicable to do so, we will offer you the opportunity of doing business with us, without providing us with personal information. Such a situation would be where you make general inquiries about interest rates or current promotional offers.
Where sensitive information is collected, stored, used or transferred about you, we will only use this information if you have consented or in the exercise or defense of a legal claim. Sensitive information is information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional association or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.
We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Further information
You may request further information about the way we manage your personal information by contacting us.
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practice.
As a consequence we may change this Privacy Policy from time to time or as the need arises.
Disclaimer
Medical Disclaimer Concerning Site Contents
The information contained in this online site is intended to provide accurate and helpful health information for the general public. It is made available with the understanding that the author and publisher are not engaged in rendering medical, health, psychological, or any other kind of personal professional services on this site. The information should not be considered complete and does not cover all diseases, ailments, physical conditions or their treatment. It should not be used in place of a call or visit to a medical, health or other competent professional, who should be consulted before adopting any of the suggestions in this site or drawing inferences from it.
The information about products contained on this site is general in nature. It does not cover all possible uses, actions, precautions, side effects, or interactions of the medicines mentioned, nor is the information intended as medical advice for individual problems or for making an evaluation as to the risks and benefits of taking a particular drug.
Webwings Internet Marketing and the operator(s) of this site specifically disclaim all responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the material on this site.
Information Disclaimer
The information on festivuswine.com is not meant to take the place of health care or services you may need. Please see your primary health care provider about any personal health concerns.
Disclaimer of Warranties for Site Contents
Information accessed through this online site is provided “AS IS” and without any warranty, express or implied. All implied warranties of merchantability and fitness for a particular use or purpose are hereby excluded. Webwings Internet Marketing and the operator(s) of this site make no warranty as to the reliability, accuracy, timeliness, usefulness or completeness of the information provided.
Note that Webwings simply markets the products displayed on this site. We cannot accept responsibility for the products and their effects. For all product related inquiries, please contact the manufacturer direct.
Any rights not expressly granted herein are reserved.
Use of this Website
Access to this web site is conditional upon your acceptance of and compliance with the terms, conditions, notices and disclaimers contained in this document (known as “Terms of Use”). By viewing, accessing or using the Webwings Internet Marketing website (‘Site’), including any liked page or related content, you agree to be bound by and accept the following terms and conditions. Webwings Internet Marketing reserves the right to amend the Conditions of Use at any time.
Information on this web site is provided by Webwings Internet Marketing ABN 84 584 112 171. The information provides general information on the products and services promoted by Webwings Internet Marketing.
Information provided in this web site does not constitute an offer or an intention to enter into a legally binding contract. It is presented as general information only and does not take into consideration your personal needs, health condition or financial situation. Where reference to legal or other compliance information, you should take this information into consideration along with your own personal and financial situation before making any purchasing decision.
The Content was current at 30 March 2011. The information on this Site may change and although Webwings Internet Marketing attempts to keep the content current, it does not guarantee its currency as there may be delays, errors or omissions. We may change Rules and benefit levels from time to time. Therefore, If you anticipate seeking any claim which may be payable by Webwings Internet Marketing please contact us.
We will make all reasonable effort to ensure that the Site is available 24 hours a day, seven days a week. However, electronic services are subject to interruption or breakdown. Therefore, access to our web site is offered on an “as is” and “as available” basis only.
By registering for our online services, you consent to Webwings Internet Marketing sending you marketing, promotional and other commercial e-mails to the address you provide on registration unless you opt out. You can opt out of receiving these emails at any time by contacting us .
Online Web Services
- Webwings Internet Marketing reserves the right at any time to time to modify or discontinue, temporarily or permanently, all or any part of the information on this site with or without notice. You agree that Webwings Internet Marketing will not be liable to you or to any third party for any modification, suspension or discontinuance of all or any of the online services.
- you will not upload, send, post or otherwise transmit to this website any unsolicited messages or any offensive, harmful, defamatory, fraudulent or otherwise unlawful material or any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
- you will not use this website or any of the online web services for any purpose that is unlawful, breaches any law, infringes a third party’s rights or is prohibited by these Terms of Use, including anything which affects the security of this website or interferes with other users (including transmission of spam).
- you will not copy any content from this website withour prior consent of the owner.
Links to Other Web Sites
Links to third party web sites provided on this site are provided in good faith. We do not have control over the content or functions provided on these sites and recommend that you abide by the website terms and conditions of use for these sites.
Any product offers or statements made on third party sites are the responsibility of the operator of the third party site. If you intend to download any software or purchase any product or service from a third party site please read any relevant terms and conditions and ensure the product is right for you.
Webwings Internet Marketing may receive payments from operators of third party web sites in relation to products or services supplied by the operator as a result of you linking to the third party web site.
Security
Webwings Internet Marketing takes responsible measures to ensure that any information provided to us over the internet is kept secure. However Webwings Internet Marketing will not be responsible for any unauthorised access to that information during its transmission to us. There is the risk that information sent to or from this Site may be intercepted, corrupted or modified by third parties. Webwings Internet Marketing makes no warranty about the strength or effectiveness of the encryption of information sent across this Site and Webwings Internet Marketing is not responsible for events arising from unauthorised access to information provided by users over this Site. There are alternative methods of providing us with information and this can be discussed by contact 1800 813 415 during business hours.
Jurisdiction
The law applicable to this website and to disputes arising out of its use is the law of the State of Queensland, Australia. The parties submit to the non-exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia.
Limitation of Liability
Subject to any responsibilities implied by law and which cannot be excluded, Webwings Internet Marketing and any of its staff or agents is not liable to you for any losses, damages, liabilities, claims and expenses whatsoever arising out of or referable to material, or any error, omission or misrepresentation on the Webwings Internet Marketing Web Site.
You further acknowledge that risks of damage to your software, hardware or stored information may arise due to your use of this Site. Webwings Internet Marketing is not liable for any damage or loss incurred by you as a result of using the Site. You are responsible for maintaining the security of your own software, hardware and stored information.
Termination
These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the bestprobiotics.com web site) and your access to the festivuswine.com web site may be terminated at any time by Webwings Internet Marketing without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by Webwings Internet Marketing will survive termination, however, you will no longer be authorised to access the festivuswine.com web site.
Copyright
The information and material contained in this site is subject to copyright which is owned by Webwings Internet Marketing. Except where necessary for viewing the material on this web site, or for non-commercial use, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Webwings Internet Marketing.
Acceptance of Terms of Use
You acknowledge and accept that your use of the festivuswine.com web site indicates your acceptance of these Terms of Use and the Privacy and Security Statement.
Webwings Internet Marketing may at any time vary the Terms of Use by publishing the varied Terms of Use on the festivuswine.com web site. You accept that by Webwings Internet Marketing doing this, we have provided you with sufficient notice of the variation.