Terms and Conditions - Moneyspot
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Terms and Conditions

Moneyspot Website Policy

This website policy applies to the Moneyspot website, operated by Moneyspot Pty Ltd ACN 166 488 197. We are committed to protecting your privacy. We will only use the information that we collect about you lawfully.

This policy explains how your personal information will be treated as you access and interact with this website.

Collection and use of information 

We may collect personal information from you directly or via your use of our services.   We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Information from third parties

Our website also contains links to the websites of third party providers of goods and services such as Facebook and Twitter. If you have accessed Third Party websites through our website 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 parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

  • the server your computer is logged onto;
  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application. 

Cookies

Moneyspot uses cookies for various purposes, including for security and to personalise your web browsing experience.

Cookies do not allow us to collect personally identifiable information about you. Some situations where we may use cookies include:

  • to allocate an identification number to your Internet browser (you cannot be identified from this number);
  • to determine if you have previously visited the website;
  • to track and report on website and online campaign performance;
  • to identify other pages or third parties’ websites you have accessed; and
  • for fraud detection and security purposes

If you wish, you can generally configure your browser so that it does not receive cookies, however this means you will be unable to use secure services that require cookies in order to participate. Some of those services include (but are not limited to) our online application and some member features.

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application.  We are able to then use that information to provide any financial services that you require.

Security of information

The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Changes to this policy

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.

As a consequence we may at any time vary our Privacy Policy and encourage you to check our website regularly for any updates.

Information on this Site

We have taken all reasonable care in producing the website, but information on the website may not be accurate, complete or up to date. Some information on the website may be provided by other persons and we are not responsible for the content of that information.

Product details, costs, terms, conditions and other information are subject to change at any time without notice.

Information on the website is not intended to be financial, legal or any other advice, or a product recommendation, and does not take into account the financial circumstances or objectives of any particular individual. You should seek appropriate professional advice before acting on any information on this site.

Liability

To the extent permitted by law, we are not liable to any person in relation to use of the website, and you waive all claims against us in relation to your use of the website.

We do not warrant that the website will always be accessible and we do not warrant that the website is free from anything that may damage any device used to access the website. You indemnify Moneyspot and its employees for any breach of these terms.

Security

If you have a Moneyspot account and password, you are responsible for maintaining the security of your password and account information. Moneyspot is not liable for any damages or breaches of privacy arising from your failure to take appropriate security measures.