(a) When you use our Services as an unregistered user and without entering identifying information into our website, we may collect non-identifiable information about you as a visitor to our website, including your IP address, browser type, version and language, operating system, pages viewed while browsing the site, page access times and referring website address.
(b) When you register to use our Services, or enter your personal details into our website (for example, for the purpose of us purchasing third party products available through our website), the information referred to in paragraph (a), and any other information you have entered into our website, may be identified with you, and so become personal information.
(c) We may also collect personal information from you when you us by any method, such as telephone or email.
You do not have to provide us with any personal information if you choose not to. You may use our website without registering and without entering identifying information into our website, in which case we will not be able to personally identify you. However if you wish to remain anonymous you may not register (and you will be unable to obtain the benefits of registration), and you will not be able to use any features of the website which rely on your identity, such as purchasing third party products for sale on our website.
(b) Please note that rejecting cookies may mean that some or all of the functions on our website will not be available to you.
(a) The personal information that we collect is generally used to provide the Services to you, and, if you use access and use of our Services, to track your usage, to evaluate performance of our Services, and to keep track of your account settings. Personal information collected by us may also be used for the following purposes:
(i) to provide our Services to you;
(ii) to market our products and services to you;
(iii) to provide updates on changes to insurance products that relate to cards you have selected and saved to your profile;
(iv) to respond to your communications with us;
(v) to improve the quality of our Services;
(vi) other purposes which are notified to you at the time the information is collected, or which you consent to; or
(vii) as otherwise required or permitted by law.
(b) You may opt out of receiving marketing communications from us at any time by notifying us accordingly, or using any unsubscribe facility we provide for that purpose.
(a) We do not sell, rent or trade personal information to or with any other third parties.
(b) We may disclose your personal information to a third party where:
(ii) that third party is a contractor engaged to provide goods or services to us (including goods or services that assist us in providing our Services);
(iv) you have been notified of the disclosure at the time the information is collected, or you consent to the disclosure; or
(v) as otherwise required or permitted by law.
We may use and disclose to others de-identified and/or aggregated data (including data related to third party products available through our website) for statistical, analytical, market research, quality assurance, service and product improvement and other purposes, provided that no details concerning you (such as your identity) can be reasonably derived from the data.
(a) We will, on request, provide you with access to the information we hold about you, including for the purpose of correcting or updating that information, unless there is an exception to such disclosure which applies under the Australian Privacy Principles (APPs).
(b) If you require access to your personal information, please email us at email@example.com. Before provide you with access to your personal information we will require some proof of identity. For most requests, your information will be provided free of charge, however, we may charge a reasonable fee if your request requires a substantial effort on our part.
(c) If we refuse to provide you with access to the information, we will provide you with reasons for the refusal and inform you of any exceptions relied upon under the APPs (unless it would be unreasonable to do so).
(d) We take reasonable steps to ensure that your personal information is accurate, complete, and up-to-date whenever we collect or use it. If the personal information we hold about you is inaccurate, incomplete, irrelevant or out-of-date, please contact us and we will take reasonable steps to either correct this information, or if necessary, discuss alternative action with you.
The security of your personal information is important to us. We take reasonable steps to prevent the personal information we hold about you from misuse, interference or loss, and from unauthorised access, modification or disclosure. This includes the use of technologies and processes such as access control procedures, network firewalls, encryption and physical security to protect the privacy of your personal information.
(a) If you have any queries or complaints with regard our collection, use or management of your personal information, please contact:
A: Virgil Assist Pty Ltd
Level 5, 11 York Street, Sydney, NSW, Australia, 2000
T: +61 435 72555
(b) If you wish to make a complaint about an alleged breach of the Privacy Act, we ask that you send us your complaint in writing to the email address listed above. We endeavour to respond to complaints within a reasonable period (usually 30 days). If you are not satisfied with our response, you may make a complaint to the Office of the Australian Information Commissioner by phoning 1300 363 992 or by email at firstname.lastname@example.org.
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