McGrath Oxygen Home Loans Pty Ltd ("Oxygen") complies
with the Privacy Act 1988 (Cth) ("Privacy Act") as amended
by the Privacy Amendment (Private Sector) Act 2000 (Cth)("Amendment
Act") and has adopted a set of privacy principles in its policy
which is consistent with the National Privacy Principles as amended
in September 2001 ("NPPs").
This privacy statement applies to this web site which is owned and
operated by Oxygen.
The purpose of personal information that we collect from you will
depend on how you interact with Oxygen’s web site. This section
will explain in the broad sense, just how personal information may
be collected via our web sites, and how this information contributes
to the development of Oxygen's web site.
This web site uses cookies. Cookies are pieces of information that
a web site can transfer to an individual's computer hard drive for
tracking (site usage) user navigation and customising site information
to further improve and enhance the user experience.
Most Internet browsers are preset to accept cookies. However, if
you are concerned about the use of cookies you do have the option
to opt out and refuse the transfer of cookies to your computer's
hard drive. If you prefer not to receive cookies, you can adjust
your Internet browser to refuse cookies or to warn you when cookies
are being used. Please contact the company which produces your browser
if you need help.
When submitting information on some of our sites for the purposes
of an enquiry, we will collect details such as your name, e-mail
address and some details of your personal interests and needs. Some
of this information is essential for us to be able identify accurately
who is using the service so that we may be able to respond to your
requests and as such is indicated by mandatory fields. Mandatory
Information Requirements are clearly identified and are denoted
by an asterix (*). You will also be prompted when submitting a form
if mandatory data has not been completed.
Other types of information, such as your age and gender, are collected
to help us profile who is using the services and what their interests
are. Information of this type is optional: you only need to fill
it in if you wish to do so.
Generally, you may be asked to provide personally identifiable
information when you:
• send us your comments or suggestions
• create a link to Oxygen’s site
• register for Oxygen's services
• subscribe to Oxygen's publications
• request sales and advertising information
• submit an enquiry
In all cases, your information will be held in the strictest confidence.
Users are not required to register on Oxygen's web site in order
to use it. Our commitment is to provide you with the opportunity
to opt out, check or correct any information you have submitted
on-line to Oxygen or any of its affiliates or partners. Please refer
to the appropriate page to request the changes. Where requested,
Oxygen will remove any personal identifiable information from its
current operational systems.
Any personal information that is submitted to our web site is held
with the strictest confidence. This information is securely stored
and access is restricted to authorised Oxygen personnel only, ensuring
that your personal information is protected and safeguarded.
The information we gather from your use of our web site enables
us to provide better services which are tailored to your needs.
For example, recording usage patterns helps us identify the areas
of our site that are popular and those that are not. The data which
is gathered is aggregated for analysis by Oxygen. Identifiable characteristics
and the user's name remain anonymous.
We use information that you submit via an on-line form from our
web site in any one of the following ways:
• to make changes to your profile at your request
• to register information at your request
• to respond to your submission or enquiry
We will only record your e-mail address if you send us a message.
It will only be used for the purpose for which you have provided
it, as outlined above. Your personal identifiable information will
not be used for any other purpose, and we will not disclose it to
anyone else without your consent.
Your personal information is not shared with any other third parties
unless explicitly and expressly communicated when you submit the
information. The information is contained and access is restricted
to Oxygen authorised personnel only. However, where it is necessary
for law enforcement purposes or where we believe there is a threat
to a person's safety or health, we may need to disclose your personal
information to third parties as required by law.
Oxygen acknowledges that you will click through to third party sites
from our site, and thus recommends that you refer to the privacy
statements of the sites you visit. Oxygen assumes no responsibility
for information and content of third party sites.
We may make changes to this statement from time to time, so you
may like to check it each time you visit the site.
Here are some more pointers to assist you in further protecting
your privacy on the Internet:
Remember to close your browser when you have finished your user
session. This is to ensure that others cannot access your personal
information and correspondence if you share a computer with someone
else or are using a computer in a public place like a library or
Internet café.
Please be aware that whenever you voluntarily disclose personal
information over the Internet, for example, in discussion forums,
via e-mail or in chat sites, that this information can be collected
and used by others. In short, if you post personal information in
publicly accessible on-line forums, you may receive unsolicited
messages from other parties in return.
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