This is the privacy policy of RATE Australia, ABN 18 076 740 451. This policy will outline the conditions under which we may disclose your information to others, how we keep your information secure and safe, and your rights and choices in relation to your information.

Personal information means information (including information or an opinion forming part of a database), whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained from the information or opinion.

Sensitive information (for example your political opinions or health information) is a special subset of personal information which is subject to stricter legal requirements. However, we do not collect sensitive information.

This Privacy Policy also sets out how you can make a complaint if you believe your legal rights have been breached. Our Privacy Policy applies to all your dealings with us.

What Information is Being Collected?

Personal information we collect, store and use might include:

• Your name
• Contact details (including postal address, email address, telephone number and mobile number)
• Your date of birth
• Information about your activities on our website
• Information about the device you used to access our website
• Your IP address and geographical location
• Your bank or credit card details
• Any other personal information you choose to share with us

Who is Collecting It?

Your information is collected by us as part of creating and building your account.

How Is It Collected?

We obtain information about you in the following ways:

• Account information
• Mailing lists
• Events
• Enquiries
• Purchases
• Services
• Newsletters

Information you give us indirectly

When you visit this website we, like many companies, collect the following information:

• Technical information – including the type of device you are using, IP address, browser and operating system connecting your computer to the internet
• Information about your visit to this website – we collect information about the pages you visit
• How you navigate the website
• The length of visits to certain pages
• Products and services you viewed and searched for
• Referral sources – how you arrived at our website

We collect and use your personal information by using cookies on our website. We use this information to improve the services we offer. More information can be found under the Use of Cookies section below.

Your Information May Be Shared by Us with Third Parties, Which Might Include:

• Sub-contractors acting on our behalf who provide us with technical, payment or delivery services
• Our business partners
• Advertising networks
• Analytics providers
• Search information providers

You should check any privacy policy provided to you where you give your data to a third party.

Information Collected from Social Media

When you interact with us on social media such as Facebook, Twitter and Instagram, we may obtain information. For example, we may collect information when you publicly tag us in a photo. The information we receive will depend on the privacy preferences you have set on those types of platforms.

Why Is It Collected?

We may use your information for a number of different purposes. These may include:

• Providing you with the services, products or information you requested
• Processing orders you have submitted
• Carrying out our obligations under any contract entered into between you and us
• Keeping a record of your relationship with us
• Conducting analysis and market research so we can understand how we can improve our services, products or information
• Checking for updated contact details against third party sources so we can stay in touch if you move
• Dealing with entries into a competition
• Seeking your views or comments on the services we provide
• Notifying you of changes to our services
• Sending you communications which you have requested and that may be of interest to you
  • These may include information about campaigns, fundraising appeals and activities, promotions of goods and services, and processing grant and job applications

In addition to any purpose notified to you at the time of collection, we collect, hold, use and disclose your personal information so we can:

• Complete transactions and administer our relationship with you (including refunds)
• Investigate and respond to your questions, comments or feedback in relation to our products or services
• Better understand your requirements and preferences and improve our service/s to you
• Provide you with information about our products or services
• Identify and inform you about other products, services or offers that may be of interest to you
• Facilitate the running of, and your participation in, loyalty programs
• Facilitate the running of, and your participation in, promotions and competitions
• Monitor activity on our website for the purpose of maintaining the security of the website
• Compile customer databases to enable us to market our brand more accurately
• Help us gain a better understanding of your likes and dislikes to improve our website, marketing strategies, and the products and services generally offered by us

Your Email Address

We will only record your email address if you provide it to us. We will only use it to send you information your have asked for about any of the services or products we provide through our website or for another use for which you have provided it. It will not be used for any unauthorised purpose or disclosed without your consent unless permitted by law.

By providing us with your email address, you will have given your consent to receive direct marketing materials from us together with other brands or carefully selected third parties.

If you do not wish to consent or receive any communication from us, you can select the “unsubscribe” link at the bottom of any email we send you.

No Spam

As part of our commitment to maintaining your privacy, we do not condone unsolicited commercial electronic messages (emails) or “spam”.

We will only send commercial emails with the addressee’s express or inferred consent to receive it.

Lawful Processing

Data protection law requires us to rely on one or more lawful grounds to process your personal information. We consider the following grounds to be relevant:

Specific Consent

Where you have provided specific consent to us using your personal information in a certain way, such as to send you email, text and/or telephone marketing.

Performance of a Contract

Where we are entering into a contract with you or performing our obligations under. For example, when you buy our products and services.

Legal Obligation

Where necessary so that we can comply with a legal or regulatory obligation to which we are subject, for example where we are ordered by a court or regulatory authority.

Legitimate Interests

Where it is reasonably necessary to achieve our legitimate interests as long as the information used is fair and does not duly impact your rights. We consider legitimate interested to be running RATE as a business.

For example:

• Conduct research to better understand who our customers are to better target our marketing
• Monitor who we deal with to protect the business against fraud, money laundering and other risks
• Enhance, modify, personalise or otherwise improve our service and/or communications for the benefit of our customers and better understand how people interact with our website

When we legitimately process your personal information this way we consider and balance any potential impact on you, both positive and negative, as well as your rights under data protection laws. We will not use your personal information were our interests are overridden by the impact on you.

For example:

Where use would be excessively intrusive unless, for instance, we are otherwise required or permitted to by law.

Marketing Communications

We may use your contact details to provide you with information about the products and services you can buy if we think it may be of interest to you.

Keeping Your Information Safe

At RATE we consider the security of your information to be of paramount importance. As a result we have implemented security measures designed to provide the peace of mind you should expect when purchasing goods over the internet.

The following indicates that you have entered a secure session and will be present when your are requested to enter your credit card or payment details:

• The “https” in place of the usual “http” in your browser address box
• The small padlock either at the bottom or top of your browser (this will depend on the browser you are using)

The personal information obtained by us is stored electronically on servers either controlled by RATE or by its contracted third parties who are also bound to comply with the Australia Privacy Principles.

When you give us personal information we take steps to ensure that appropriate technical and organisational controls are in place to protect it.

Non-sensitive details, such as your email address, are transmitted normally over the internet and this can never be guaranteed as 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us and you do so at your own risk.

Once we receiver your information we make our best effort to ensure its security on our systems. Where we have given, or where you have chosen, a password which enables you to access certain parts of our website, you are responsible for keeping this password.

We ask you not to share your password with anyone.

We take care to ensure that the personal information you give us on our website is protected from misuse, interference and loss, unauthorised access, modification or disclosure.

For example, our website has electronic security systems in place, including the use of firewalls and data encryption.

User identifiers, passwords or other access codes may also be used to control access to your personal information. We take all reasonable steps to protect all personal or company information from misuse, loss, interference, unauthorised access, modification or disclosure.

Only personnel requiring access to personal information are allowed access, and require logins and passwords to access this information.

Who Has Access to Your Information?

We do not sell or rent your information to third parties for marketing purposes. However, we may disclose your information to third parties in order to achieve the other purposes set out in this privacy policy.

We will often need to pass your personal information to companies who perform part of our service delivery. When we do disclose your personal information to third parties, these relevant organisations include those involved in:

• Providing, managing or administering your product or service such as third party suppliers, printers, posting services, etc.
• Maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
• Payments systems, including financial institutions, merchants and payment organisations
• As required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue
• Where you have given your consent
• Your personal information may be disclosed by us for a secondary purpose:
• Where you have consented to the use or disclosure
• If you would reasonably expect us to use or disclose the information for a secondary purpose which is directly related to the primary purpose of collection
• When required or permitted by law or by a court/tribunal
• If we reasonably believe it is necessary for law enforcement related activities

However, when we use these third parties we disclose only the personal information that is necessary to deliver the services and we have a contract in place that requires them to keep your information secure and prevents them from using it for their own direct marketing purposes.

Please be reassured that we will not release your information to third parties for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law.

For example:

By a court order or for the purpose of prevention of fraud or other crime.

Our trusted third party providers will be acting as a joint controller of your information with us which we will use in accordance with this policy. We may transfer your personal information to a third party as part of a sale of some or all of our business and assets to any third party or as part of any business restricting or reorganisation.

However, we will take steps with the aim of ensuring that your privacy rights continue to be protected.

How Long is Your Information Kept For?

Some information is kept for a number of years to comply with applicable legal requirements. Any personal information that is no longer needed is destroyed or de-identified. However, we keep your information for no longer than is necessary for the purposes it was collected for. The length of time we keep your information is determined by operational and legal considerations.

For example, we are legally required to hold some types of information to fulfil our statutory and regulatory obligations such as health, safety, tax and accounting purposes.

We review our retention periods on a regular basis.

Your Choices

You have a choice about whether or not you wish to receive information from us. If you do not wish to receive direct marketing communications from us about the exciting products and services we provide then you can choose to unsubscribe by clicking “unsubscribe” at the bottom of any email sent by us.

We will not use your personal information for marketing purposes if you have indicated that you do not wish to be contacted and will retain your details on a suppression list/Do Not Contact (DNC) list to help ensure we do not continue to contact you.

Building Profiles

We may analyse your personal information to create a profile of your interests and preferences so that we can tailor and target our communications in a way that is timely and relevant to you.

This allows us to be more focused, efficient and cost effective with our resources and also reduce the risk of someone receiving information they may find inappropriate or irrelevant.

We may also use your personal information to detect and reduce fraud and credit risk.

Your Rights

Under General Data Protection Regulation (GDPR) protection law, you have certain rights over the personal information that we hold about you. Here is a summary of the rights that we think apply.

Right of Access

You have a right to gain access to your personal information that we hold. This is subject to some exceptions allowed by applicable law/s. Factors affecting a right to access include:

• Access would pose a serious threat to the life or health or safety of any individual or to public health or safety
• Would have an unreasonable impact on the privacy of others
• It is a frivolous or vexatious request
• Would reveal evaluative information generated by us in connection with a commercially sensitive decision-making process
• Access would be unlawful
• Would prejudice enforcement activities conducted by an enforcement body
• Legal dispute resolution proceedings with you where the information would not be accessible in the process of discovery in those proceedings
• Denying access as required or authorised by or under law or court/tribunal order
• We will give you reasons if we deny access (unless it would be unreasonable to do so).

Requests regarding your personal data must be made in writing. Please contact us if you require more information on requesting access to your information – see our Contact Us page.

Right to Have Your Inaccurate Personal Information Corrected

You have the right to have inaccurate or incomplete information we hold about you corrected. The accuracy of your information is important to us.

If you change your email address or if you believe any of the other information we hold is inaccurate or out of date, please contact us via email.

We aim to make sure that the personal information we collect, use or disclose is accurate, complete, up-to-date and relevant, having regard to the purpose of use or disclosure. We will take reasonable steps to make sure this is the case, so we can provide you with better service.

Right to Restrict Use

You can choose not to provide us with certain information.

For example:

You can choose to use our website without creating an account.

However, this may restrict our ability to provide you with our services or access to certain features on our websites. You have a right to ask us to restrict the processing of some or all of your personal information if there is a disagreement about its accuracy or we are not lawfully allowed to use it.

Right of Erasure

You may ask us to delete some or all of your personal information and, in certain cases and subject to certain exceptions, we will do so as far as we are required.

In many cases we will anonymise that information rather than delete it.

Right for Your Personal Information to be Portable

If we are processing your personal information:

• Based on your consent or in order to enter into or carry out a contract with you
• The processing is being done by automated means

You may ask us to provide it to you or another provider in a machine-readable format.

Right to Complaint

You have the right to object to processing where we are using your personal information:

• Based on legitimate interests
• For direct marketing
• For statistical and/or research purposes

We may be required to ask for further information and/or evidence of identity. We will endeavour to respond fully to all requests within one month of receipt of your request. However, if we are unable to do so we will contact you with reasons for the delay.

Please not that exceptions apply to a number of these rights and not all rights will be applicable in all circumstances. If you have any issues you wish to raise with us, would like a hard copy of our Privacy Policy, wish to make a complaint or would like to discuss any issues about our Privacy Policy, then you are able to do so by visiting our Contact Us page.

Use of Cookies

Like many other websites, this website uses cookies. Cookies are small pieces of information sent by a website to your computer and stored on your hard drive to all the website to recognise you when you visit. For example, storing your country preference.

This helps us to deliver a better, more personalised service when you browse our website and improve our services. It is possible to switch off cookies by setting your browser preferences. For more information on how to switch off cookies, visit our full cookies policy below.

Links to Other Websites

Our website may contain links to other websites run by other organisations. This policy applies only to our website. We encourage you to read the privacy statements on any other websites you visit. We cannot be responsible for the privacy policies and practices of other websites even if you access them using links from our website.

In addition, if you linked to our website from a third party site we cannot be responsible for the privacy policies or practices of the owners and operators of that third party site and recommend that you check the privacy policy of that third party site.

16 or Under

We are concerned with the safety and protection of children aged 16 or under. If you are aged 16 or under, please have your parent or guardians’ permission before you provide us with personal information.

Transferring Your Information Outside of Europe

Because we operate throughout Australia and because we use third parties to administer some of our service delivery, some of these uses and disclosures may occur outside of your country of residence. We will take reasonable steps to ensure that any overseas recipient does not breach relevant privacy laws or principles.

As part of the services offered to you through this website the information which you provide to us will be transferred outside of the European Economic Area. You should be aware that these countries may not have similar data protection laws to the EEA.

By submitting your personal data you are agreeing to this transfer, storing or processing.

We undertake regular reviews of who has access to information that we hold to ensure that your information is only accessible by appropriately trained staff, volunteers and contractors.

Website Recording

We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.). This enables us to build and maintain our service with user feedback.

Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices (in particular device’s IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), preferred language used to display our website). Hotjar stores this information in a pseudonymized user profile.

Neither Hotjar nor we will ever use this information to identify individual users or to match it with further data on an individual user. For further details, please see Hotjar’s privacy policy by clicking on this link.

You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link.

Changes to This Policy

Any changes we may make to this policy in the future will be posted on this website so please check this page occasionally to ensure that you are happy with the changes made. If we make any significant changes, we will make this clear on the website.

Review of This Policy

We keep this policy under regular review. This policy was last updated in June 2018.

Cookies

In technical terms, cookies are small pieces of information stored by your browser on your computer or mobile device. Cookies and clickstream data are used to maintain session information between your browser and our website, and identify things related to your use of the website such as the time, date and URL of the pages you visit, your IP address, your location and browser software.

Whenever you visit our website, our servers automatically record information about your usage of our website through cookies and click stream data. Some computers and mobile devices also permit your location to be shared with us. This is often referred to as geo-location data.

Windows Explorer, Firefox, Chrome and other internet browsers will usually store these files in a folder called cookies in documents and permissions on computers running Microsoft Windows. Most browsers notify you when a new cookie is received, or let you turn off cookies or geo-location services altogether.

Cookies allow websites to recognize that a user on an individual computer has previously visited the site. Turning off these services may mean some features on our website are not available to you. We use this information to learn about your preferences so that we may improve our website and the service/s we offer.

Cookie Consent

Cookies save some information about the user for when they access the site again in the future. By using and browsing our website, you consent to cookies being used in accordance with our policy.

If you do not consent, you must turn off cookies or refrain from using the site. Most browsers allow you to turn off cookies. To do this, consult the help menu on your browser.

Changes to the Cookie Policy

In keeping with legal requirements, we may need to update our cookie policy occasionally. A recent example of this is the European Union General Data Protection Regulation or GDPR.

What Types of Cookies are Used?

We use both first party and third party cookies. First party cookies are those which we use. Third party cookies originate from one of our partners or service providers.

Strictly Necessary

These are cookies essential to ensuring a website works and enables features that uses have specifically asked for including shopping baskets or e-billing. Without the use of cookies, these features of the website could not operate.

Performance

These cookies collect anonymous information about users for the purpose of assessing the performance of the website. This includes web analytics tools like Google Analytics.

Functionality

These cookies automatically remember choices users have previously made in order to improve their experience next time they visit, such as preferred settings and layout.

Targeting or Advertising

These cookies are similar to performance cookies in that they collect information about user behavior. However, this information is used at user level to advertise products and services to users.

Personalisation

We use cookies to help us show you products you are likely to be interested in.

Preferences

We use cookies to remember your settings and preferences, like the language you prefer and privacy settings.

Log In

These cookies let you log in and out of your account.

Security

Cookies are just one way we protect you from security risks. For example, we use them to detect when someone might be trying to hack your account.

Google Remarketing

We do not collect any personal information on visitors to our website. We do not collect non-personal information that allows us to log information about visitors to our website for statistical purposes such as:

• Number of unique sessions as identified by server address and top-level domain
• The number of page hits
• Pages accessed or downloaded by session
• The type of browser being used
• Length of time spent on the site and on particular pages
• The device being used
• Type of mobile device being used

Terms and Conditions

These terms and conditions apply to RATE and its trading and other associated companies where applicable. Please read these terms carefully before using this website. Your use of this website constitutes acceptance of these terms and conditions which take effect on the first day of use of this website. RATE reserves the right to change these terms and conditions by posting the changes online.

Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified. These terms and conditions apply to any site under the control of RATE and from which a link has been created to these terms and conditions.

Copyright

RATE owns the copyright in the material. RATE have made every effort to gain copyright for all written material on this site. Any person who owns copyright material published on this website, please contact us. Should RATE receive any complaint with regard to third party material on this site, it will review the matter and remove material at its sole discretion. RATE will have no further liability to either party in such instance.

Unauthorised use of material including reproduction, storage, modification, distribution or publication without the prior written consent of RATE is prohibited.

Documents (including information, images, photos, logos, names and icons) without the prior written permission of the copyright holders on this website may not be downloaded, altered or adapted for any purpose for personal or non-commercial use.

Third-Party Material

Photographs of adults or children used within this website to illustrate the work of RATE are posed by models and do not depict actual situations unless specifically stated.

Materials on this site are provided for the purpose of information or reporting only and should not be relied upon. Independent advice should be sought on financial, legal and medical matters.

Links to third party websites on this site are provided solely as a convenience to you. RATE is not responsible for the contents or the reliability of linked third party websites either to or from RATE website and does not necessarily endorse the views expressed within them. If you decide to access any of the third party websites linked to this website you do so entirely at your own risk.

Terms of Use

You agree to use this site only for lawful purposes and in a manner which does not infringe the right or, restrict or inhibit the use and enjoyment of this site by any third party. Such restriction and inhibition includes, without limitation, conduct which is unlawful or which may harass or cause distress or inconvenience to any person the transmission of obscene or offensive material or disruption of normal flow of dialogue within this site.

If these terms and conditions are not accepted in full, the use of this site must be terminated immediately. RATE does not accept liability for any damages whatsoever including without limitation indirect or consequential damages, loss of profits or any damages whatsoever arising out of, or in connection with the use or loss of use of this site.

Site Warranty

While RATE endeavours to ensure the site is available 24 hours a day, there is no guarantee. RATE does not warrant that the functions contained in the material in this site will be uninterrupted or error free, that defects will be corrected or that this site or the server that makes it available are free of viruses or bugs.

RATE may make changes to the materials on this site or to the information, products and prices described in them at any time, without notice. The materials on this site may be out of date and the RATE make no commitment to update the materials on this site.

These terms and conditions shall be governed and construed in accordance with the laws of Australia. Any disputes arising here shall be exclusively subject to the jurisdiction of the courts of Australia.