Margin lending Online - Privacy Policy
Central to the success of the Lender is our commitment to our customers.
We honour without reservation our obligation to respect and protect the
privacy of the personal information of individuals with whom we deal.
The information we collect
Whenever it is reasonable and practicable to do so, we only collect
information about you directly from you.
We only collect personal
information about you which is reasonably necessary to:
- provide you quality products or services
- consider applications and approaches you make to us
- maintain your contact details.
We generally hold personal information relating to:
- the products and services we provide or have provided to you
- your financial interests and sometimes your financial position
- your contact details.
We do not generally collect sensitive information about you unless
required by applicable laws or rules. Sensitive information includes
information relating to:
- race
- political or religious beliefs
- sexual preferences
- criminal convictions
- membership of professional or trade associations or unions
- health information.
We collect health information where we offer products with an
insurance component to our customers. We do not use or share that
information for any purpose other than the underwriting or administration
of a customer's policy, claim or account, or as otherwise disclosed to the
customer when the information was collected.
How that information is used
We only use and disclose personal information about you for the purpose
for which it was disclosed to us or related purposes which would
reasonably be expected without your permission.
For example, we may from time to time use your personal information to
inform you of investment opportunities or to provide information about
products and services which we expect may be of interest to you. However,
we do respect your right to ask us not to do this.
We do not sell personal information to other organisations to allow
them to do this.
We may disclose personal information to service providers who provide
services in connection with our products and services or we may provide
information about you to your nominated financial adviser [with your
permission].
Keeping information accurate and up to date
We take all reasonable steps to ensure that all information we hold is
as accurate as is possible. You are able to contact us at any time and ask
for its correction if you feel the information we have about you is
inaccurate or incomplete.
Keeping information secure
We use security procedures and the latest technology to protect the
information we hold. Access to and use of personal information within
Lender is appropriately limited to prevent misuse or unlawful
disclosure of the information.
If other organisations provide support services, we require them to
appropriately safeguard the privacy of the information provided to
them.
Where the personal information we collect is no longer required,
we delete the information or permanently de-identify it.
How you can access your information
You can contact us to request access to your information. In normal
circumstances we will give you full access to your information. However,
there may be some legal or administrative reasons to deny access. If
access is denied, we will provide you with the reason why.
Dealing with us online
If you visit Lender's website to browse, read or download
information, our system will log these movements. These web site logs are
not personally identifiable and the Lender makes no attempt to link them
with the individuals who browse the site.
If you visit the Lender's website to log into our secure areas, such as
Margin Lending Online, we use cookies which will
enable us to identify you. This is for security reasons only. Your account
information is password protected and we recommend you do not divulge your
password to anyone. To further protect your personal information, your
log-in time will automatically expire after a certain period of
inactivity.
Cookies
A cookie is a small data file that contains information about your
visit to a web site. This information is provided by your computer during
your first visit to a web server. The server records this information in a
text file and stores this file on your hard drive. When you visit the same
web site again, the server looks for the cookie and structures itself
based on the information provided.
Most browsers are initially set up to accept cookies. You can reset
your browser to refuse all cookies or to warn you before accepting
cookies. If you have set your browser to warn you before accepting
cookies, you will receive the warning message with each cookie. We use
cookies to help us improve our service to visitors to our site and to
ensure that our site stays easy to navigate and useful.
The Lender cannot guarantee or accept responsibility for the privacy
practices or the content of web sites to which we provide links.
NetRatings
NetRatings website measurement software is used to assist in tracking
traffic patterns to and from the Lender ’s websites, anonymously surveying
users of the sites. The NetRatings system is used to collect such
information as the number of unique visitors, how long these visitors
spend on the website when they do visit, and common entry and exit points
into and from the website.
This non-personal information is collected and aggregated by NetRatings
and provided to us to assist in our analysis of our websites. You cannot
be identified personally from this information and no personal information
is stored about you. NetRatings systems comply with the Lender's Privacy
Policy. For further information about NetRatings, go to the NetRatings website.
Please note: NetRatings website measurement uses cookies which are
provided by a NetRatings website: "imrworldwide.com".
DoubleClick Ad Management
The Lender uses pixels, or transparent GIF files, to help manage our
online advertising. These GIF files are provided by our ad management
partner, DoubleClick. These files enable DoubleClick to recognise a unique
cookie on your Web browser, which in turn enables us to learn which
advertisements bring users to our website. The cookie was placed by us, or
by another advertiser who works with DoubleClick. With both cookies and
Spotlight technology, the information that we collect and share is
anonymous and not personally identifiable. It does not contain your name,
address, telephone number, or email address. DoubleClick systems comply
with the Lender's Privacy Policy. For more information about DoubleClick,
including information about how to opt out of these technologies, go to Double Click's privacy policy.
Contact us
If you have any questions regarding our privacy policy or handling of
information, please contact us:
This page last updated 10th April 2006.
Macquarie Bank Limited ABN 46 008 583
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