T&C | 1DERFUL

Your privacy

Privacy policies can often be lengthy, dull and confusing, with most people (except maybe lawyers) having the time, resources or enthusiasm to fully read and understand them.

We do not want to add to the confusion and simply follow the herd when it comes to your privacy.

At 1derful, we understand how important privacy is to you and we want you to trust that we are collecting, managing and using your personal information responsibly.

To save you having to read through our entire policy (which, thanks to the Australian Privacy Principles, is long and boring), we have put together a summary of some of our key privacy practices. Hopefully, this will make it easy for you to understand what we do with your information, so you can get back to your day and feel confident that your information is safe with us.

A summary of our privacy practices

Do you collect and store my personal information? Yes

Do you use cookies? Yes

When will my personal information be deleted?

We will delete or de-identify your personal information when it is no longer needed

Do you sell my personal information?No

Will you tell commercial partners who I am? Yes

Can you collect my information from third parties? Yes

Can you disclose my information to third parties? Yes

Can you disclose my information to anyone overseas? Yes, in limited circumstances

Can I access and correct personal information that you hold about me? Yes

Can I use your app without giving you permission to process my data? No

How can I contact you if I have any privacy concerns or complaints?

Use the Contact link on our website or contact our Privacy Officer via the details set out below

Will you send me marketing materials?

Yes, if you signed up to receive newsletters or other marketing communications from us. However, you can opt-out at any time by clicking the unsubscribe link at the bottom of the message or logging into your account to opt-out and/or updating your marketing preferences.

Do you have the right to change your privacy policy at any time?

Yes, however we will take all reasonable steps to notify you of any such change and will post any updated versions on our website

1derful’s (Boring) Privacy Policy

1derful Pty Ltd ABN 30 636 589 538 (we, our, us) recognises the importance of protecting the privacy of individuals in relation to their personal information. This document is our privacy policy and it tells you how we collect and manage your personal information.

We respect your rights to privacy under the Privacy Act 1988 (Cth) (Privacy Act) and we comply with all the Act’s requirements in respect of the collection and management of your personal information.

We are also bound by Part IIIA of the Privacy Act, which regulates consumer credit reporting in Australia and is supported by the Privacy Regulation 2013 and the Privacy (Credit Reporting) Code 2014. 1derful’s Credit Reporting Policy can be accessed here – [insert hyperlink].

What is your personal information?

When used in this privacy policy, the term “personal information” has the meaning given to it in the Privacy Act. In general terms, it is any information that can be used to identify you and includes your name, address, telephone number, email address and profession or occupation. If the information we collect identifies you, or your identity can be reasonably ascertained from it, the information will be considered personal information.

What personal information do we collect and hold?

We may collect the following types of personal information: • name;

mailing or street address;
e-mail address;
telephone contact number;
age or birth date;
profession, occupation or job title;
financial and credit-related information, such as the full bank account numbers and/or credit or debit card numbers that you link to your 1derful account or give us when you use our services;
marital status;
Government-related identifiers (such as tax file number, driver’s licence number, Medicare

number or passport number);
the products and services you have purchased or which you have enquired about, together with any additional information necessary to deliver those products and services and to respond to your enquiries;
any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites, through our representatives or otherwise; and information you provide to us through our service centre, customer surveys or visits by our representatives from time to time.

We may also collect some information that is not personal information because it does not identify you or anyone else. For example, we may collect anonymous answers to surveys or aggregated information about how users use our website.

How do we collect your personal information?

We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect it in ways including:
through your access and use of our website and application;
during conversations between you and our representatives; or when you complete an application.

We may also collect personal information from third parties, including:

credit providers and credit reporting agencies;
law enforcement agencies and other government agencies; and
financial institutions.

In some cases we may also collect your personal information through the use of cookies. When you access our website, we may send a “cookie” (which is a small summary file containing a unique ID number) to your computer. This enables us to recognise your computer and greet you each time you visit our website without bothering you with a request to register and also enables us to keep track of products you view so that, if you consent, we can send you news about these products. We also use cookies to measure traffic patterns, to determine which areas of our site have been visited and to measure transaction patterns in the aggregate. We use this to research our users’ habits so that we can improve our online services. Our cookies do not collect personal information. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.

Your browser may give you the ability to control cookies and you can change your cookie settings at any time. The types of cookies which may be blocked depends on your browser and the type of cookie. However, declining our cookies may interfere with your use of our website and 1derful services, and may limit the functionality we can provide when you visit or use our website. If you continue without changing your settings, we will assume that you are happy to receive all cookies on the website. Further, not all of the tracking that we have described in this policy will stop if you choose to block or delete cookies. For example, some browsers have a “Do Not Track” feature that lets you tell websites that you do not want to have your online activities tracked. These browser features are still not uniform, so we are not currently set up to respond to those signals.

We may log IP addresses (i.e. the electronic addresses of computers connected to the Internet) to analyse trends, administer our website, track users movements, and gather broad demographic information.

Online advertising and Google analytics

We may work with online advertising partners to provide you with ads that are relevant and useful for you, including ads located on or through our website from third parties. We may use information collected by us or by third parties to provide you with these ads, which may be based on your activities on our website or on third party websites.

We may use Google Analytics website measurement software and systems to assist in tracking traffic patterns to and from our website, aggregating anonymous information about visits to our website, and randomly and anonymously surveying users of our website. The system is used to collect information on our network such as the number of page views, the number of unique visitors, how long these visitors spend on the website and any affiliated websites when they do visit, and common entry and exit points into and from our website and any affiliated websites. Random anonymous surveys are also used to collect further information about our users.

This non-personal information is aggregated using Google Analytics and then used by us in our analysis of our website and any affiliated websites. The Google Analytics data is also accessible by media organisations and research companies for the purpose of conducting industry comparisons with other websites. Our website is coded with a small piece of Google Analytics code that is transparent to you when you read that page. The software stores a cookie in your browser (if you have enabled cookies) which contains a unique identifier to allow us to track the number of unique visitors to our website and any affiliated websites. This information is collected and aggregated by Google Analytics and in no way can you be identified personally and no personal information is stored about you.

In addition to Google Analytics, we may also use other third-party analytics tools including Amplitude (an analytics service provided by Amplitude Inc.) to monitor, analyse and collect information about your use of the website. Your browser may allow you to disable this feature, however you may not be able to fully use all of the functions of the website if you do so.

For more information about our online advertising partner and its cookies, including information about how to opt out of these technologies, you may visit http://optout.aboutads.info. You may also opt out of the Google Analytics feature by downloading and installing a Browser Plugin available at https://tools.google.com/dlpage/gaoptout?hl=en.

What happens if we can’t collect your personal information?

If you do not provide us with the personal information described above, then:

we may not be able to provide the requested products or services to you, either to the same standard or at all;
we may not be able to provide you with information about products and services that you may want; or
we may be unable to tailor the content of our websites to your preferences and your experience of our websites may not be as enjoyable or useful.

For what purposes do we collect, hold, use and disclose your personal information?

We collect personal information about you so that we can perform our activities and functions and to provide the best possible quality of customer service.

We collect, hold, use and disclose your personal information for the following purposes:

to provide products and services to you and to send communications requested by you;
to answer enquiries, and provide information or advice about existing and new products or services;
to provide you with access to protected areas of our website and application;
to assess the performance of the website and to improve the operation of the website and

application;
to conduct business processing functions;
for the administrative, planning, product or service development, quality control and research purposes of this agency, its contractors or service providers;
where we are required or authorised to collect your personal information under applicable laws;
to provide your personal information to our contractors or service providers;
to update our records and keep your contact details up to date;
to process and respond to any complaint made by you;
to assess your application for credit from us or to invite you to apply for another product;
to disclose to a credit reporting body any failure by you to meet your payment obligations in relation to consumer credit or any serious credit infringements including the name of the credit provider, the type of consumer credit, the day in which the consumer credit is entered into and terminated, the maximum amount of available credit, and the terms and conditions of the consumer credit relating to repayment amount prescribed by the Privacy Act; and

to comply with any law, rule, regulation, lawful and binding determination, decision or direction of a regulator, or in co-operation with any governmental authority of any country.

We may also retain your personal information after you have closed your 1derful account for a period of time, for the following purposes:

to collect any fees you may still owe;
to resolve disputes with you or troubleshoot issues which may arise;
to assist with any investigations and prevent fraud or risk;
to enforce any agreement that we have with you; and
to take other actions as required or permitted by law.

Your personal information will not be shared, sold, rented or disclosed other than as described in this privacy policy.

Consent to use your personal information to verify your identity and other purposes

As mentioned in 1derful’s Credit Reporting Policy [insert hyperlink], when you provide us with your personal information to open a 1derful account, you consent to us disclosing that information to credit reporting bodies to obtain an assessment of whether that information matches the information held by the credit reporting body in order to verify your identity as required under anti- money laundering laws. The credit reporting body may provide us with that assessment and use your personal information and the personal information of other individuals, to prepare that assessment. In Australia, we use the Mastercard digital ID service for this purpose, which has its own privacy policy available at: https://idservice.com/.

We will notify you if we are unable to verify your identity through this process. If you do not want to use this process to verify your identity, please contact us using our contact information below.

We may also require your consent to use and/or disclose your personal information if we need to use your information for a purpose that is not related to the purpose for which it was collected. If you do not consent to 1derful collecting, using and/or disclosing your personal information for such other purposes, this may affect 1derful’s ability to deliver and improve our products and services, or to engage or do business with you.

Who we disclose your information to?

We may disclose your personal information to:

our employees, contractors or service providers for the purposes of operation of our website or our functions, fulfilling requests by you, and to otherwise provide information, products and services to you including, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, electronic network administrators, debt collectors, and professional advisors such as accountants, solicitors, business advisors and consultants;

law enforcement, government agencies or officials, or other third parties for the following reasons:

o pursuant to a subpoena, court order, or other legal process or requirement applicable to 1derful;

o when we need to do so to comply with law or credit card rules;
o when we believe, in our sole discretion, that the disclosure of personal information

is necessary to prevent physical harm or financial loss; or

o to report suspected illegal activity or to investigate suspected violations of your agreement with us;

our financial institution partners, with whom we work to create and offer a product;
our banking partners, who may be required by credit card association rules for inclusion on

their list of terminated merchants;
our affiliates and related companies including companies that we plan to merge with or be acquired by or who may invest in us;
suppliers and other third parties with whom we have commercial relationships, for business, customer service, fraud prevention, identity verification, marketing, and related purposes;
credit reporting bodies; and
any organisation for any authorised purpose with your consent or direction.

Access from third party websites

Once you have established a 1derful account, you may access your 1derful account from our website or from third party websites or via a third party app which are not controlled by us. If you do so, then any information you provide may be shared with that third party. These third party websites or apps will be governed by their own privacy policies. Please review these privacy policies before sharing your personal information, as we are not, and will not be, responsible for the conduct or information practices of that third party.

How can you access and correct your personal information?

You may request access to any personal information we hold about you at any time by contacting us (details below). Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (eg. by mailing or emailing it to you). We may charge you for providing the information in response to your request for access, provided that the charge is no more than the cost of that response and excludes our costs of obtaining related legal advice or other advice.

There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if we are required or authorised to refuse access by law. If that happens, we will give you written notice of the reasons for the refusal within 30 days of receipt of your request, together with information about how you can complain about our refusal if you wish to do so.

If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider whether the information requires amendment. If we do not agree that there are grounds for amendment, we will give you written notice of the reasons for the refusal within 30 days of receipt of your request, together with information about how you can complain about our refusal if you wish to do so.

What is the process for complaining about a breach of privacy?

If you believe that we have breached your privacy, please contact us using the contact information below and provide details of the incident so that we can investigate it.

You may complain to us if you believe that we have breached our obligations to manage your credit related personal information.

We will acknowledge the complaint within 7 business days of receiving it.

We will make a determination relating to your complaint within 30 days of receiving of your complaint or any longer period agreed by you in writing. If we cannot resolve your complaint within 30 days we will:

inform you of the delay before the end of the period;
provide you with reasons for the delay;
provide you with an expected timeframe to resolve the complaint and seek your agreement to the extension; and
inform you that you may lodge your complaint to the Australian Financial Complaints Authority and provide you with their contact details.

Do we disclose your personal information to anyone overseas?

We may disclose personal information to third party suppliers and service providers located overseas for some of the purposes listed above.

We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.

We may disclose your personal information to entities located outside of Australia, for the purposes of our data hosting and other IT provider services.

Direct marketing

If you signed up to receive newsletters or other marketing communications from us, you can opt- out any time by clicking the unsubscribe link at the bottom of the message. You can also log-in to your account to opt-out and update your marketing preferences at any time.

Even after you opt-out or update your marketing preferences, please allow us sufficient time to process your marketing preferences. Unless otherwise required to process your requests earlier by law, it may take up to 5 days to process your opt out requests in relation to receipt of electronic marketing materials such as emails and SMS, and up to 30 days for all other marketing-related requests.

Even after you’ve opted-out of receiving marketing communications from us, we may still contact you for transactional or informational purposes. These include, for example, customer service issues, returns or product-related inquiries, outstanding payment inquiries, surveys or recalls, or any questions regarding a specific order.

Protecting your personal information

We take reasonable steps using physical, technical, and administrative security measures to ensure your personal information is protected from misuse and loss and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form. Personal information is destroyed or de-identified when no longer needed. We also review our security procedures periodically and will implement new technology and updated methods from time to time as we consider appropriate. Only authorised personnel will have access to your personal information on a need-to-know basis.

However, as our website is linked to the internet, and the internet is inherently unsecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us is transmitted at your own risk.

Contacting us

If you have any questions about this privacy policy, any concerns or a complaint regarding the treatment of your privacy or a possible breach of your privacy, please use the Contact link on our website or contact our Privacy Officer via the details set out below.

We will treat your requests or complaints confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in a timely and appropriate manner.

Please contact our Privacy Officer at:

Privacy Officer
1derful Pty Ltd
PO Box 3471

Wareemba NSW 2046

Email: hello@1derful.com.au

Changes to our privacy policy

We may change this privacy policy from time to time. Any updated versions of this privacy policy will be effective on the date we post it on the website. We may also inform you via email or otherwise of any material changes to this privacy policy that may impact you.

End Terms & Conditions