Privacy Statement
Please read this Privacy Policy carefully before using the Avoid Bankruptcy website. By entering into our website, you agree to be bound by this Privacy Policy.
In summary, while you should read each provision in this Privacy Policy, by using our website, you agree that:
- If you submit your personal information to us, we may create a database record about you; and
- We can use cookies on your browser unless you remove them. (please see below for an explanation).
Avoid Bankruptcy is committed to safeguarding your privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.
Unless you directly give us consent to do otherwise, Avoid Bankruptcy will only collect and use your personal information as set out below. We will also observe the relevant privacy laws, including the Privacy Act 1988 (Commonwealth) and the National Privacy Principals in Australia.
Your personal information is protected by the Privacy Act. The Privacy Act contains rules on how Australian and ACT government agencies and private sector organisations are allowed to collect and handle your information.
The following terms set out the policies of Avoid Bankruptcy and its subsidiaries (“Avoid Bankruptcy”) relating to the collection, use and disclosure of personal information you provide when accessing this website (“Privacy Policy”). By accessing and using Avoid Bankruptcy’s website you agree to the terms of this Privacy Policy. You should not access or use this website if you do not agree to all of the terms of this Privacy Policy.
No information should be submitted to Avoid Bankruptcy by persons under the age of 18 without their parent’s or guardian’s consent. We do not monitor the age of persons accessing or using this website.
This website does not provide facilities for the secure transmission of information across the internet. As such, there are inherent risks in doing so.
Information collected
Avoid Bankruptcy only collects and stores personal information that you voluntarily submit through this website. This may include information such as your name, street and e-mail addresses, and telephone number. Whilst you are not obliged to provide personal information to Avoid Bankruptcy, without this information we may not be able to provide you with an appropriate level of service.
When you access this website, our Internet Service Provider may record information about your visit and create logs of that information for statistical purposes. This is intended to help Avoid Bankruptcy ensure that the content of this website stays relevant to its visitors. Any information Avoid Bankruptcy collects in this way will remain anonymous and Avoid Bankruptcy will not link it to any specific personal information. However, in the unlikely event of an official investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect our Internet Service Provider’s logs.
Access to information collected
You may request access to personal information we hold about you and ask us to correct it if you believe it is incorrect or out of date. Whilst Avoid Bankruptcy takes all reasonable steps to ensure the accuracy of information we have about you, it is your responsibility to tell us if that is not the case.
Except as required to satisfy Avoid Bankruptcy’s legal obligations, and subject always to our obligations under the National Privacy Principles set out in the Privacy Act 1988 (Cth) (“Privacy Principles”), if you so request, Avoid Bankruptcy will take reasonable steps to destroy or permanently de-identify your personal information.
Use of information collected
We will only record and use your personal information:
- to respond to your questions or comments;
- to inform you about our products and services;
- to provide you with information which may be of interest to you or relevant to your needs through Avoid Bankruptcy and our subsidiary companies; or
- otherwise in a manner consistent with the National Privacy Principles.
If you do not wish us to use your personal information in this way, please notify us at privacy@avoidbankruptcy.net.au and, subject to our legal obligations, we will endeavour to comply with your request promptly.
Any information you supply to Avoid Bankruptcy will be treated with strict confidence and in accordance with the National Privacy Principles.
Disclosure of personal information
We will only disclose your personal information:
- in ways which are consistent with this Privacy Policy;
- to any law enforcement agency in any jurisdiction that is investigating any unlawful or prohibited activity involving the access or use of this website, any product or service offered through this website or otherwise, on being requested to do so by that law enforcement agency; or
- otherwise in a manner consistent with the National Privacy Principles.
When we may contact you
If you provide us with an email or a residential address, we may use it to contact you in order to:
Provide you with information which may be of interest such as updates and new Avoid Bankruptcy services; and
Send you a newsletter.
We will not send you ‘spam’ (unsolicited commercial electronic messaging) without first seeking your consent. If you are receiving communications (electronic or otherwise) from Avoid Bankruptcy and do not wish to receive them any longer, please contact us so we can remove your name from our list.
Cookies
Cookies can be either “persistent” or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behaviour upon return to the issuing website. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser
This website only uses session cookies and only during a search query of the website. Our Internet Service Provider has assured us that no cookies are employed on this website except for those associated with the search engine.
When closing your browser the session cookie set by this website is destroyed and no personal information is maintained which might identify you should you visit our website in the future.
Enforcement of policies or consumer concerns
If you believe Avoid Bankruptcy has not adhered to this Privacy Policy or if you have any concerns related to the privacy of your personal information, please notify us at privacy@avoidbankruptcy.net.au or write to us at:
Level 1
57 Hayward Street
Stafford, QLD 4032
We will make every effort to investigate and correct the problem promptly.
Disclaimer
All information contained in this website is correct at the time of publishing, is of a general nature (as opposed to professional advice) and does not take into account your personal circumstances. You should seek professional advice before acting on any of the information contained in this website.
Avoid Bankruptcy accepts no responsibility for any loss occasioned to any person in reliance of the information contained in this website.
Avoid Bankruptcy and links to other websites
Where Avoid Bankruptcy provides links to websites outside of our own site. These linked sites are not under our control and we are not responsible for the conduct of companies linked to our website. Before disclosing your personal information via any other websites, please examine theses websites’ terms and conditions.
Future changes
Our commitment to be a quality provider of financial services means that our business will continue to evolve as we introduce new services and features. Because of this, our policies will be reviewed and revised from time to time. Avoid Bankruptcy reserves the right to change our Privacy Policy and other policies at any time. We will notify you of any changes to this policy by posting on the website or as required by law. You are bound by an amended Privacy Policy whether or not we have given you specific notice.
Copyright
The information provided on the Avoid Bankruptcy website is copyright to Avoid Bankruptcy unless otherwise stated. Except where necessary for viewing the information on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no information on this website may be reproduced, adapted, uploaded to a third party, framed, displayed in public, distributed or transmitted in any form by any process without prior written permission from Avoid Bankruptcy.
Linking to this site
Organisations wishing to include links to avoidbankruptcy.com.au on their websites can request information from marketing@avoidbankruptcy.com.au
