plan-your-finances.com.au - Privacy Policy

Our Privacy Policy follows the Canadian Standards Association Model Code for the Protection of Personal Information and complies with federal and provincial privacy laws including the federal Personal Information Protection and Electronic Documents Act (PIPEDA). A summary of the ten principles of fair information practices on which the Privacy Policy is based is included at the end of this Privacy Statement.

Please read this Privacy Statement completely before using or submitting information via this site.

CONSENT
By using an plan-your-finances.com.au Web site, you are accepting the terms of this Privacy Statement. Whenever you submit information via this site, you consent to the collection, use and disclosure of that information, personal or otherwise, as described in this Privacy Statement.

SITE REGISTRATION
plan-your-finances.com.au does not charge a fee for visitors to access the site's content; instead, as with many Web sites, revenue is generated through advertising and sponsorships. Our advertisers and sponsors have a reasonable expectation that visitors to the site are genuine and meet certain minimum qualifications in the field we serve.

PERSONALLY IDENTIFYING INFORMATION
We are committed to providing you with an Internet experience that respects and protects your personal privacy choices and concerns. Personally identifying information is collected by plan-your-finances.com.au only when you specifically and knowingly provide it.

COLLECTION AND USE OF PERSONALLY IDENTIFYING INFORMATION
If you enter a contest or participate in other promotional activities offered by plan-your-finances.com.au, your personal information will be used to administer the promotion, including the use of your name and selected other information for the purposes of contacting, announcing and promoting the winners of the promotion.

plan-your-finances.com.au may also contact you from time to time to conduct research and surveys in our ongoing effort to improve our product and service offerings, or to invite your editorial comments for articles being developed for publication.

plan-your-finances.com.au will not release your personal information to a third party without your authorization unless required to by law or in the good-faith belief that such action is necessary in order to conform to the edicts of the law or to comply with a legal process serviced on our Web site.

plan-your-finances.com.au will only ask you to provide personal information that we need, when we need it. We will always explain why we need the information and what we intend to do with it.

We will seek your prior consent to the collection, use and disclosure of personally identifying information and you can refuse such consent. You may also withdraw your consent at a later time by giving us reasonable notice. We will notify you in advance of any change in our intent for the use or disclosure of your personally identifying information.

Your personal information will not be used for any other purpose without your consent.

DISCLOSURE
In order to effectively provide the products and services you have requested, plan-your-finances.com.au may share your personal information with selected third parties who act on our behalf as suppliers or service providers. Examples include bonded mailing houses for processing and labelling items, including publications, prior to mailing; and, Canada Post and other distributors and carriers. We provide only the information required to perform the requested service. Information provided to third parties in these circumstances may only be used for the stated purpose. It is our practice to require third party suppliers to handle information in a manner consistent with plan-your-finances.com.au's policies.

SUPPLEMENTING INFORMATION
From time to time we may supplement information you give us via our Web site with information we acquire from other sources, such as information to validate your address, or company information available through sources such as business directories. This is to help us maintain consistency and accuracy of the information we collect and to help us provide a better service.

NON-PERSONALLY IDENTIFYING INFORMATION COLLECTED AUTOMATICALLY
Our Web server logs information about visitors that is not personally identifiable. Examples of this type of information include the type of Internet Browser you are using, the type of computer operating system you are using, and the domain name of the Web site from which you linked to our site or advertisement.

Also, when we collect personal data from you in a transaction, we may extract some information about that transaction in a non-identifiable format and combine it with other non-identifiable information. This information is used and analyzed only at an aggregate level to help us: understand trends and patterns; improve the content and design of the plan-your-finances.com.au Web site; to enable our audit bureau to verify our claims of traffic to the site; and, to help advertisers and potential advertisers assess the suitability of the site for their advertising campaigns. This information is not reviewed at an individual level.

INFORMATION WE MAY PLACE AUTOMATICALLY ON YOUR COMPUTER'S HARD DRIVE
When you access some sections of plan-your-finances.com.au or advertisements, we may store some information on your computer, in the form of a "Cookie". A cookie is a piece of data that a Web site can send to your browser, which may then be stored on your computer as a small text file. Cookies allow us to tailor the Web site content or advertisements to better match your interests and preferences. With most Internet Browsers, you can erase Cookies from your computer hard drive, block all Cookies, or receive a warning before a Cookie is stored.

1X1 PIXEL TAGS
This site may use clear gifs pixel tags or other technologies to help manage our on-line advertising. These technologies may be in use in a number of locations throughout the site, and work in association with cookies. The information we collect and share through this technology is not personally identifiable.

LINKS TO NON-plan-your-finances.com.au WEB SITES
While plan-your-finances.com.au will seek to require third parties with whom it has agreements to follow appropriate privacy policies, we do not bear any responsibility for any actions or policies of such third parties.

This site contains links to other sites not owned or controlled by plan-your-finances.com.au. plan-your-finances.com.au is not responsible for the privacy practices or the content of such Web sites.

plan-your-finances.com.au users should be aware that when they voluntarily disclose personal information (e.g., user name, e-mail address) in discussion forums that such information could be collected and used by others that do not follow our strict privacy guidelines and may result in unsolicited messages from other posters or parties.

THE 10 PRINCIPLES OF FAIR INFORMATION PRACTICES

Accountability: An organization is responsible for personal information under its custody and shall designate an individual or individuals who are accountable for the organization's compliance with the following principles.

Identifying Purposes: The purposes for which personal information is collected shall be identified by the organization at or before the time the information is collected.

Consent: The knowledge and consent of the individual are required for the collection, use or disclosure of personal information, except where inappropriate.

Limiting Collection: The collection of personal information shall be limited to that which is necessary for the purposes identified by the organization. Information shall be collected by fair and lawful means.

Limiting Use, Disclosure and Retention: Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Accuracy: Personal information shall be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.

Safeguards: Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.

Openness: An organization shall make readily available to individuals specific information about its policies and practices relating to the management of personal information.

Individual Access: Upon request, an individual shall be informed of the existence, use and disclosure of his or her personal information, and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Challenging Compliance: An individual shall be able to address a challenge concerning compliance with the above principles to the designated individual or individuals accountable for the organization's compliance.

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