Penny Junction Australia Pty. Ltd.

P r i v a c y P o l i c y

At Penny Junction Australia Pty Ltd, protecting your privacy and the confidentiality of your personal information is important. Penny Junction Australia is subject to the National Privacy Principals ("NPPs") under the Privacy Act 1988 (Cth). The following Privacy Policy explains how Penny Junction Australia manages and protects the privacy of your personal information under the NPPs.

What is personal information?
Personal information is any information or an opinion, whether true or not, which identifies you. When personal information concerns certain matters it is considered sensitive information. Sensitive information is information or opinion about your:

racial or ethnic origin;
political opinions;
membership of a political association;
religious beliefs, affiliations or philosophical beliefs;
membership of a professional or trade association or membership of a trade union;
sexual preferences or practices;
criminal record;
health or disability.

How Penny Junction Australia collects your personal information
Generally, Penny Junction Australia will collect personal information directly from you, when you deal with Penny Junction Australia by telephone, letter, fax or email. Penny Junction Australia usually collects information such as your name, address, contact number and email address. Sometimes Penny Junction Australia also collects sensitive information about you. Penny Junction Australia only collects sensitive information with your consent. On occasions Penny Junction Australia will collect personal information about you from someone else. For example, Penny Junction Australia may collect personal information from:

a company for whom you work;
other organisations with whom you have any dealings. If Penny Junction Australia collects personal information about you from someone else, Penny Junction Australia will take reasonable steps to ensure you are aware of why the information is collected, how it will be used and to whom it will be disclosed.

How Penny Junction Australia uses your personal information
Penny Junction Australia uses personal information for the primary purpose for which it was collected, or for secondary purposes which are related to the primary purpose. Generally, Penny Junction Australia uses personal information for the following purposes:

to provide products or services that have been requested;
to assist in the management and improvement of products and services, including analysis of future client needs;
to communicate with you;
to undertake marketing activities.

What happens if you don't provide personal information
If you do not provide the personal information Penny Junction Australia requests, Penny Junction Australia may not be able to provide you with relevant products or services.

Penny Junction Australia may disclose your personal information
Penny Junction Australia may disclose your personal information for the purpose which was either specified or reasonably apparent at the time when the information was collected. Depending on the circumstances, Penny Junction Australia may disclose personal information to:

our service providers and specialist advisers;
our insurers;
any person with a lawful entitlement to obtain the information.

If Penny Junction Australia engages a third party contractor to perform services which involves handling personal information Penny Junction Australia requires the contractor to comply with the National Privacy Principles. Penny Junction Australia also takes reasonable steps to prohibit the contractor from using personal information except for the purposes for which it was supplied.

Accuracy of your personal information
If Penny Junction Australia has accurate personal information about you, it enables Penny Junction Australia to provide you with the best possible service.

Penny Junction Australia takes reasonable steps to ensure that the personal information Penny Junction Australia collects, uses and discloses is accurate, complete and up to date.

Please contact Penny Junction Australia as soon as possible if you find that the personal information Penny Junction Australia holds about you is inaccurate, incomplete or out of date. Penny Junction Australia will take reasonable steps to ensure your personal information is corrected.

Security of your personal information
Penny Junction Australia protects your personal information from loss, misuse, modification and disclosure. Penny Junction Australia uses industry standard safeguards to ensure the security of your personal information through physical, electronic and managerial procedures. For example:

security monitoring of premises;
code only access and alarm systems to prevent outside access to your personal information;
internal policies in relation to secure computer use.

When Penny Junction Australia no longer requires your personal information Penny Junction Australia securely destroys the information and deletes it from its systems.

Access to your personal information
You may request access to any of the personal information Penny Junction Australia holds about you. Penny Junction Australia will, on written request, provide you with access to the personal information Penny Junction Australia hold about you, unless there is an exemption which applies under the Privacy Act.

Your request for access will be dealt with in a reasonable time. Penny Junction Australia may charge you a fee to cover the reasonable cost of retrieval and the supply of the information to you.

If Penny Junction Australia refuses your request for access, it will provide you with reasons for the refusal.

Transferring your personal information overseas
Penny Junction Australia does not transfer your personal information overseas unless Penny Junction Australia is authorised by law to do so or you have consented to it as part of the products and services Penny Junction Australia provides to you.

Penny Junction Australia will respond to your query or complaint as soon as possible.

Penny Junction Australia reserves the right to change this Privacy Policy at any time. Penny Junction Australia will notify any changes by posting an updated version of the Privacy Policy on the Penny Junction Australia website at www.pennyjunction.com.au.