Associated Entities has the definition attributed to it under s 50AAA of the Corporations Act;
Personal Information has the definition attributed to it under the Privacy Act 1988 (Cth);
Website means the domain name www.moneybuckets.com.au and any sub-domains;
We/us/our/Money Buckets means Money Buckets as trustee and our Associated Entities; and
You/Your means any person who accesses our Website or contacts us in person, by email or by phone with regard to the products and services provided by us.
We value your privacy, and as such, we have taken the necessary precautions to comply with the Act, APP and CR Code.
The types of personal information that we collect typically includes your:
Other types of personal information that we collect relates to credit information. This typically includes:
We collect personal information for a number of reasons, however the main reasons why we may collect personal information from you are:
We may collect personal information from you in a number of different ways for example:
You can deal with us anonymously when it is lawful and reasonably practicable to do so. For example, when making general enquiries about our products or services that do not involve the completion of an application for our products or services.
If we become aware that we have received unsolicited personal information without your consent, we will destroy or de-identify that information.
By engaging our services you authorise us to:
By using our Website, purchasing any of our products or using our services you agree that in respect of any of your personal information received by us:
Personal information collected by us for the above purposes may be distributed globally.
Apart from the circumstances set out above, unless required or authorised by law, we will not disclose any personal information we collect from you without your specific consent.
If you wish to change or update any of your personal information or you wish to access the personal information we hold about you please contact us and we will arrange for this to occur. We will endeavour to respond to your request within 14 days. You may be charged a fee for access to this information.
In accordance with the terms of this policy we may communicate with you to provide information about our products, support services and ongoing training, special offers, promotions or other matters that we believe may be of interest to you.
We will not send third party advertising information to you without first asking you whether you want to receive this information.
If you are receiving communications from us and you no longer wish to receive these communications please contact us and inform us that you wish to unsubscribe.
We will take reasonable steps to keep the information we collect about you secure and to prevent unauthorised access to this information. However, we cannot give any guarantees or warranties about the security of your information and we will not be held liable for any loss or damage that you may suffer as a result of any unauthorised access to your information.
Cookies are pieces of text that are transferred into the memory of your computer to store preferences, record session information and collect information on how you visit and access our Website.
The cookies can be rejected or deleted by following the instructions for your browser.
IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.
We may use personal information to assess your credit situation when you apply for some products or services.
We might ask you for information about yourself and then seek a credit report from a credit reporting agency.
We’ll always tell you before we seek a credit report, and we won’t get one if you’re under 18.
The credit report provided by a credit reporting agency may include information like your employment history, previous credit checks, any problems you’ve had paying bills and whether those issues were resolved. We use this information to assess whether we’re entering into an arrangement that is sensible for both you and us.
After you become a client, we store the crucial bits of information from the credit report. We may continue to use this information to examine, assess and process your information or application, and to provide our financial services, financial solutions, budgeting, debt management options, and any other services we may offer from time to time.
We don’t use credit related information to generate marketing lists. Sometimes, we might ask a credit reporting agency to do that for us. You can ask the credit reporting agency not to use your information for these purposes by getting in touch with them directly.
We work with client service partners inside and outside Australia. Where necessary, we give our partners access to the credit information they need to help us provide our services.
You can get access to credit related information we hold about you, ask us to correct it, or make a complaint, as described elsewhere in this policy. If we agree that our records need to be corrected, and we’ve previously disclosed that information to a credit reporting agency or other person, we’ll tell them about the correction too.
You can ask the credit reporting agencies not to use or disclose the information in their files if you think you have been or are likely to become a victim of fraud.
You can find out more about the credit reporting agencies we work with at www.veda.com.au and www.dnb.com.au. Their websites give their contact details and their policies about the management of your personal information.
Australian Privacy Principles 12 and 13 allow you to access and correct the personal information we hold about you in certain circumstances. If you would like to obtain such access, please contact us on the details set out below. Opt in and Opt out policy Money Buckets allows you to control all communications directed to you.
We may send you e-mail communications to provide information which we think you will find useful, including information about new products and services from Money Buckets. You can unsubscribe from any e-mail list by following the simple instructions on how to immediately unsubscribe or opt out, which are included in all our e-mail newsletters. Alternatively, you can contact us on the details set out below.
If you change or move e-mail addresses please let us know so we can redirect your e-mail to your new address.
1. Phone: 1800 825 010
2. Email: email@example.com
3. Post: PO BOX 6300, Kincumber, NSW, 2251.
We will endeavor to deal with your complaint as soon as is reasonably practicable. If we are unable to satisfactorily resolve your complaint, it may be referred to a recognised external dispute resolution scheme.
You can also contact the Office of the Australian Information Commissioner by visiting the following website and following the steps listed on the website: www.oaic.gov.au/privacy/privacy-complaints.
1. via email to firstname.lastname@example.org
2. via post to PO BOX 6100, Kincumber, NSW, 2251.
Customer Enquiries: 1800 825 010
Admin Office: 0243696287
Post: PO Box 6100, Kincumber, NSW, 2251
Money Buckets ™ is a Trademark of Starlight Home Loans T/as Fast Debt Help
ABN: 94 145 613 056
Credit Lic 388809
MFAA membership 319292
Affiliates: Second Step Administration RDAA 1668
The Rite Place Pty Ltd trading as Debtrite