2.1 The purposes for which information may be used by us include:
(a) ensuring that content from our sites is presented in the most effective manner for you and for your computer;
(b) providing you with alerts, newsletter, education materials or information that you requested or signed up to;
(c) carrying out our obligations arising from any contracts entered into between you and us;
(d) allowing you to participate in interactive features of our service, when you choose to do so;
(e) designing and conducting surveys/questionnaires for client profiling/segmentation, statistical analysis, improving and furthering the provision our products and services;
(f) complying with laws and regulations applicable to us or any of our affiliates in or outside Australia;
(g) legal proceedings, including collecting overdue amounts and seeking professional advices;
(h) researching, designing and launching services or products including seminars/events/forums;
(i) Return Merchandise Authority (RMA); or
(j) purposes directly related or incidental to the above.
2.2 We intend to use your data in direct marketing and we require your consent (which includes an indication of no objection) for that purpose. By using our sites, unless you tell us otherwise, you agree that:
(a) your name, contact details (including address, contact number, email address), products and services information, transaction pattern and behaviour, background and demographic data held by us from time to time may be used by us in direct marketing;
(b) the following classes of services, products and subjects may be marketed to you:
(i) services and products related to our sites and/or our affiliates (including marketing affiliates programs we are a part of);
(ii) reward, loyalty or privileges programmes, promotional offers and related services; and
(iii) invitations to events such as seminars/webinars/tele-seminars, conferences, live programs or events.
(c) We may conduct direct marketing via fax, email, direct mail, telephone and other means of communication or send e-newsletters to you. You may choose not to receive promotional materials, by simply telling us (see below for contact details), and we will cease to do so, without charge.
2.3 We intend to use your data in credit reporting. When we’re checking your credit worthiness or assessing your credit situation, we might collect information from or give information to credit reporting bodies. This information can include:
(a) Identification information
(b) Details about information request made about you to credit reporting bodies.
(c) Current and historical details about credit applications you have made and credit arrangements you have entered into.
(d) Information about overdue payments, default listings and about serious credit infringements and information about payments or subsequent arrangements in relation to either of these.
(e) Various publicly available information like bankruptcy and credit-related court judgements; and
(f) Credit scores or risk assessments indicating an assessment of your credit worthiness.
DISCLOSURE OF INFORMATION
We will keep the personal data we hold confidential but may provide information to:
(a) personnel, agents, advisers, auditors, contractors, financial institutions, and service providers in connection with our operations or services;
(b) our offices, affiliates, business partners and counterparts (if any);
(c) persons under a duty of confidentiality to us;
(d) persons to whom we are required to make disclosure under applicable laws and regulations in or outside Australia; or
(e) actual or proposed transferees or participants of our services in or outside Australia.