Privacy
This Privacy Statement relates solely to the online information collection and
use practices of LoanPal located at www.loanpal.emms.net.au ("LoanPal"). We
recognize that many visitors and users of this web site are concerned about the
information they provide to us, and how we treat that information. This Privacy
Statement, which may be updated from time to time, has been developed to
address those concerns.
Your use of this web site indicates to us that you have read and accepted our
privacy practices, as outlined in this Privacy Statement. If you have any
questions or concerns regarding this Privacy Statement, please contact:
loanpal@forevision.net.
What information about you do we collect?
When you visit LoanPal, you may provide us with two types of information:
(1) personally identifiable information that you knowingly choose to disclose,
which is collected on an individual basis, and (2) general user information
that does not contain personally identifiable information, which is collected
on an aggregate basis as you browse LoanPal. In some cases, if you choose not
to provide us with requested information, you may not be able to access all of
LoanPal's content or services.
Personally Identifiable Information you choose to provide
We may ask for certain personal information from you for the purpose of
providing to you content and/or services that you request.
Non-Personally identifiable information we collect
Cookies/ web server logs: Similar to other commercial web sites, LoanPal
utilises standard technology called "cookies" and web server logs to identify
you, the user of LoanPal. Cookies are a feature of web browser software that
allows web servers to recognise the computer used to access a web site. Cookies
are small pieces of data that are stored by a user's web browser on the user's
hard drive. Information gathered through cookies and web server logs may
include the date and time of visits, the pages viewed, time spent at LoanPal,
and other sites visited just before and just after LoanPal.
You can, of course, disable cookies on your computer by indicating this in the
preferences or options menus in your browser. However, it is possible that some
parts of LoanPal will not operate correctly if you disable cookies. You should
consult with your browser's provider/manufacturer if you have any questions
regarding disabling cookies.
It is necessary for LoanPal collect your IP address for your interaction with
various parts of the LoanPal website. Your IP address is the identifier for
your computer when you are using the internet.
For instance, we collect and store your IP address when you log into LoanPal.
As part of our security for LoanPal, we use this information when we attempt to
detect and prevent fraudulent transactions in internet banking. We store your
IP address for security and audit purposes. Your IP address will not be used by
us or released to any third party except in the case of security, inappropriate
behaviour or fraud issues, such as unauthorised access to your or our computer
systems or fraudulent transactions.
How do we use the information we collect?
We use your personally identifiable information to provide you with the
information or content that you have requested. We use non-identifying
information collected on LoanPal to better understand your use of LoanPal and
to enhance your enjoyment and experience. For example, we may use the
information to improve the design and content of LoanPal or to analyse the
programs and services that we offer.
We may employ other companies and individuals to perform functions on our
behalf. Our employees, agents and contractors who have access to personally
identifiable information are required to protect the information in a manner
that is consistent with this Privacy Statement.
We may provide access to your personally identifiable information when legally
required to do so, to cooperate with police investigations or other legal
proceedings, to protect against misuse or unauthorised use of LoanPal, to limit
our legal liability and protect our rights, or to protect the rights and safety
of visitors to this web site or the public. In those instances, the information
is provided only for that limited purpose.
We will not share your personally identifiable information in ways unrelated to
those described above without providing you with an opportunity to opt out of
such use or otherwise prohibit such unrelated uses.
Data security
We take extended steps to maintain the security of the personally identifiable
information that we collect, including a security level of 128bit encryption on
the data being transferred with a public key of 1024 bits. For your protection
all data is assumed false until verified at our end. However, no data
transmission over the Internet can be guaranteed to be completely secure.
Accordingly, we cannot ensure or warrant the security of any information that
you transmit to us, so you do so at your own risk.
Consent to transfer
This web site is operated in Australia. If you are located outside of
Australia, please be aware that any information you provide to us will be
transferred to Australia. By using LoanPal, participating in any of our
services and/or providing us with your information, you consent to this
transfer.
Links
Please be aware that Forevision is not responsible for the privacy practices of
any third party sites. Therefore, we encourage our users to read the privacy
statement of each and every web site that collects personally identifiable
information. This Privacy Statement applies solely to information collected by
this web site.
If you have accessed any third party sites through LoanPal and if those third
parties collect information about you, we may also collect or have access to
that information as part of our arrangements with those third pa
Where you access a third party site from LoanPal, cookie information,
information about your preferences or other information you have provided about
yourself may be shared between us and the third party. You cannot usually be
identified from the information that is shared; if you can be identified from
this information, we will seek your consent before sharing such information.