1. General
By using or accessing the Site, you are expressly consenting to this Privacy Policy and the way we collect, process and deal with personal information. SpendToLend attaches great importance to user privacy and online safety and SpendToLend acknowledges that when you provide us with personal information, you are placing great confidence in our ability to manage such information
in a fair, lawful and responsible manner and in accordance with Australian Privacy Act 1988, Australian Privacy Principles and other personal data protection practices. SpendToLend considers that such information should be used principally for the purpose of rendering and improving our services. We have therefore created this Privacy Policy to state that we collect and process
personal information in an open, transparent and lawful means and to state clearly that we do not gather, use or process personal information unnecessarily or in any other way that is inconsistent with the stated purposes.
2. Information We Collect
a) Personally identifiable Information: We may collect information that can personally identify you or that could relatively be used to identify you. Personally identifiable information is data that can be used on its own or together with other information to distinguish, trace, contact or locate a person. Such information may include your name, date and
place of birth, postal address, electronic address and/or telephone number. Please read our Privacy Policy carefully to understand how we collect, use or otherwise handle your personal information. We do not collect credit card information or information relating to medical, educational, financial information or relating to ethnic or racial origin, political opinion, religious
affiliations, criminal records, sexual orientation or any other biometric information.
b) Non-personally identifiable information. We collect information other than information you directly provide to us. This is information that we do not request from you but is made available when you visit or access the site and includes browser data, device information as well as cookie data. This information cannot be used on its own to identify, locate or
trace you
3. How We Collect Infomation
We collect information in various ways. For instance, we collect personal information when a user subscribes to our newsletter or mailing list. We may also collect information when you fill out a form, place an order, respond to our surveys or provide us with feedback on our services. We may also collect non-personally identifiable information when you access or visit our site.
This information may include the visitor’s internet protocol address, device identifiers, browser data, cookie data, the web page the user/visitor came from when visiting our site, date and time of visit as well as particular pages visited on the Site.
4. How We Use Your Information
We may use personal information to accomplish our obligations and responsibilities in relation to any arrangement entered into between you and us and to provide you with personalized deals, promotions and content that we think would be of interest to you. We may also use such information to offer products, services or information you request from us or, where applicable, to
notify you about any change or alterations to our services.
We use non-personally identifiable information solely to improve our site and our services as well as to generate aggregate data of how many people visit various sections of our Site. Such information helps us improve our Site functionality so that services and content are delivered in a well-organized, safe and secure manner as well as for regular Site maintenance including
for troubleshooting, statistics and data analysis purposes. Non-personally identifiable information cannot identify, distinguish, contact or locate you.
5. Protecting Your Information
SpendToLend protects personal data held, stored or transmitted in the Site. We protect such information from misuse, interference and loss and from unauthorized access, modification and disclosure. We use regular Malware Scanning to protect our Site and its users. Your personal information is contained in secured networks and out of reach of unauthorized persons. In addition,
all sensitive information you supply is encrypted via Secure Socket Layer (SSL) technology. SpendToLend has also implemented a variety of security measures when a user enters, submits, or accesses their information in order to maintain the safety of personally identifiable information. Nonetheless, users acknowledge that transmission or exchange of personal information over the
internet is not entirely secure. While we will take all reasonable actions including commercially acceptable measures to protect your personal information against unauthorized access or use, we cannot guarantee its absolute security.
6. Cookies
Our Site uses session cookies. A cookie is a small piece of data that our website asks your browser to store on your computer or mobile device when you use or access the Site. Session cookies allow the Site to identify users for the purposes of user authentication or remember user actions and custom preferences. For instance when you sign up and login, we may use cookies to
remember your form or login information so that you don’t have to re-enter such information when browsing from one page to another on the Site. We do not use tracking or persistent cookies. Please note however that although we do not use tracking cookies, our Site uses entrusted Google Advertising third party services that may set individual cookies for online behavioural
target advertising purposes. If you do not want to accept cookies, you can control or disable them in your browser settings. Please note that disabling cookies completely may affect your experience and/or site functionality.
7. Third-party Disclosure
We do not sell, rent, share, disclose or otherwise transfer your personal information to third parties. We may however disclose your personal information in relation to compliance of any legal obligation, enforcement of a lawful court order, prevention, investigation, detection and prosecution of criminal offenses, obtaining legal advice or in connection with legal proceedings
against SpendToLend, exercising or defending any rights, enforce our Site policies or Terms of Service as well as for protecting the rights or safety of other users.
8.Third party Links
On occasion, our site may contain links to other websites offering third-party products or services. Such sites have their own privacy policies and data protection practices. We do not manage, recommend or appraise services, products, materials or information hosted, displayed or offered in those sites. You agree that we do not endorse, guarantee or promise the availability,
accuracy, safety, security, reliability of such third party sites, their services or products which are linked to and from our Site. SpendToLend will not be liable for any loss or damage howsoever caused or alleged to have been caused to you in connection with or arising from your use of or reliance on any content or disclosure of your personal information to such third party
sites.
9. Google Advertising:
Please note that this Privacy policy applies to information we collect when you visit or access our Site. Nonetheless, we also use entrusted third party advertising services like Google AdSense Advertising and Google Analytics on our Site. We use Google AdSense to serve and track ads and Google Analytics to compile data regarding user interactions with ad impressions and other
ad service functions, as they relate to our Site. To understand data and information collected by Google and Google’s advertising requirements, visit Google’s Advertising Principles. Note that Google, as a third-party provider, uses tracking cookies to measure site traffic and other behavioural target advertising. You can opt-out from Google Advertising policies by visiting the
Google Ad and Content Network Privacy policy
10. Opting Out:
If you are concerned about your privacy, please note that it is possible to opt out of some of our data collection and use practices. You configure your cookie settings, do not track feature or set up your preferences on how Google serve you with ads via the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by
using the Google Analytics Opt -Out browser add-on.
11. Anonymity and Privacy Noticet:
Australian privacy laws require websites to provide users the ability to access websites anonymously. We agree that users can visit our Site anonymously and, where appropriate, use a pseudonym. We will also display a clear and visible link/notice to our Privacy Policy on our home page of the Site or, as a minimum, on the first important page after entering our Website. Our
Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.
12. Quality of Personal information:
We shall take reasonable steps to ensure that personal information at our disposal is correct, up-to-date, complete and relevant. Occasionally, where applicable, we may ask you to update your personal information. We may also take measures to correct personal information in our possession.
13. Do Not Track request (DNT):
Our website respects browser Do Not Track requests and we will not track, plant cookies, or deploy advertising mechanisms when a Do Not Track browser feature is in place. Please note that our Site also allows for third-party behavioural tracking and we cannot guarantee that such third parties will honor DNT requests. We do not specifically market to or target children under the
age of 18.
14. Data Breach and Fair Information Practices:
Should a data breach occur, we undertake to implement the following responsive measures in accordance with the Fair Information Practices Principles: (a) notify users via email within seven (7) days following the breach; (b) Agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and
processors who fail to adhere to the law.
15. CAN SPAM ACT:
We comply with the CAN-SPAM ACT’s requirements. The CAN-SPAM Act is a law that sets the rules for commercial emails, establishes requirements for commercial electronic messages, gives recipients the right to have emails stopped from being sent to them, and prescribes tough penalties for violations.
Please note that we collect your email address when you order our services, make enquiries, sign up or subscribe to our mailing list. When you provide us with your email address in relation to such purposes, you consent expressly to receiving electronic messages from us until such time when consent is withdrawn. We may also market to our mailing lists and we acknowledge that,
to comply with CAN-SPAM’s main requirements, we will: (a) not use false or misleading subjects or email addresses; (b) not use deceptive subject lines; (e) clearly and reasonably identify the message as an advertisement; (d) tell the recipients the physical address of our business or site headquarters; (f) where applicable, monitor third-party email marketing services for
compliance; (e) inform users how to opt-out/unsubscribe requests quickly and allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails from SpendToLend, you can email us at unsubscribe@SpendToLend.com or follow the instructions at the bottom of each email and we will promptly remove you from ALL mailing lists.
16. Changes to Our Privacy Policy:
We may modify this Privacy Policy at any time and without prior notice and any such changes will be posted on the privacy policy page of this Website and, where possible, be notified to you by mail. Please check regularly to see if there are changes or updates to our privacy policy. Changes to the privacy policy will be effective immediately after being posted. Your continued
use of the Site after we post any modifications to the Privacy Policy on this page will constitute acceptance to be bound by the Privacy Policy as modified.
If there are any questions regarding this Privacy Policy, you may contact us by email or regular post at the address provided below.
SpendToLend
E: admin@spendtolend.com
A: 26 Owens Street
Marburg Q. 4346
AUSTRALIA
