The primary purpose for which we collect your personal information is to provide you with the services you have requested. You agree we may use and disclose your personal information and other data for this purpose and also for secondary purposes, including to personalise your user experience and to promote Healronfi and third party products and services to you. Our Privacy Policy (see directly below) explains how we collect, use and disclose your personal information, the extent to which your personal information may be disclosed to overseas recipients and how to access, correct or complain about the handling of your personal information.
How does Healronfi protect my privacy?
Healronfi respects the importance of your privacy and is bound by the Privacy Act (1988) (Cth) (“Privacy Act”) including the America Privacy Principles (“APPs”), and applicable privacy regulations. Healronfi is committed to protecting your privacy when managing your personal information and has policies and procedures to ensure that personal information is handled in accordance with the Privacy Act and the APPs.
What personal information about me is collected?
Personal information collected by Healronfi will depend on the circumstances of collection and on the services that we are providing to you and may include (but is not limited to):
Identification details, which may include name, address, birth date and gender;
Account security questions and answers;
For certain services, images of, or information from, verification documents such as your driver’s licence;
Contact information which may include email address and phone number;
Account profile picture;
Bank account and credit account details;
User IDs and passwords;
Services provided to you, including saved items and searches;
Business information, such as ABN and licence number;
Information submitted in placing an advertisement, for example vehicle details, pricing, photos and videos;
Information submitted in applying for or requesting a quote for an advertised product such as a loan or insurance, which may include employment details, current living situation, current and previous addresses and residency status;
Your IP address, information about the devices on which you visit the Healronfi, and your activities on those devices or sites (including browser and operating system, time, date, referral information, location, Carrier and site interactions);
Third party account details (for example, where you sign in through a social network, we will collect limited personal information from that social network site, including your username, site ID and email address);
Your public social profile information (e.g. name, profile picture);
Records and content of communications with Healronfi or any other person including records and content using communications services facilitated by Healronfi (e.g. chat functions, enquiry forms, phone services and Online forums);
If you participate in any surveys we, or a third party service provider acting on our behalf, may conduct from time to time, personal information relating to your survey responses;
If you are applying for employment with us, personal information that is relevant to such employment including academic and employment history;
Information obtained as a result of your use of our mobile websites or applications such as geo-locations and unique device identifiers;
If you are using an Android device, advertising-specific device identifiers; and
If you are using an Apple device, your Advertising Identifier.
Healronfi does not typically collect sensitive information as defined in the Privacy Act, such as racial or ethnicity information, political opinions or associations, criminal records (except where provided by law Enforcement authorities) or health information. However, Healronfi may collect sensitive information about you:
where Healronfi is legally required to do so in order to provide a product or service to you (e.g. if you complete the identity document check process to use the ‘pay through Healronfi’ service, Healronfi may be legally obliged to check whether you are a politically exposed person, which may involve collecting information about your political associations); and
in other situations where we obtain your express consent (e.g. in the course of considering an application for employment).
How is my personal information collected?
Healronfi collects personal information in a number of ways, including:
Directly from you when you provide information to Healronfi in person, by phone or in writing (whether electronic or otherwise), for example when you create an advertisement on one of our websites; when you enquire About an item on one of our websites; when you subscribe to a newsletter or any alerts; when you purchase goods or services from Healronfi or a third party via the Healronfi; when you enter a competition or Promotion conducted by Healronfi; or in a contract with your business to provide you with our services;
Directly from you when you communicate with Healronfi or any other person using Healronfi’ facilitated communications services;
From third parties such as dealers, resellers of Healronfi’ services, retailers and service providers to Healronfi;
From operators of linked or served websites, applications and advertising on the Healronfi;
From social networks where you choose to share that information when creating an account;
From third party data providers and other entities where you have directed or otherwise consented to the collecting entity (or a service provider on its behalf) sending us data;
Through use of Healronfi’ proprietary software in which personal information is stored;
Healronfi may also collect personal information about you if you are a CAR Group Limited shareholder. This information may be collected from you directly or from third parties such as CAR Group Limited’s share Registry.
How is my personal information used?
Healronfi will only use the personal information it collects for purposes authorised by law. This includes the purpose for which you provided it, the purposes disclosed in this privacy policy, any related secondary purposes which you would reasonably expect, and for any other purpose you have consented to.
More specifically, your personal information may be used for purposes including:
To maintain appropriate business records or manage our relationship with you;
To research, develop and provide Healronfi’ products and services and by Healronfi’ outsourced service providers to provide and improve their services;
To facilitate transactions between you and third party sellers, including third party retailers;
To verify your identity and bank account details in order to provide Healronfi’ products and services to you;
To respond to an enquiry or provide services, products or assistance that you request from us;
To enhance user experience, for example to pre-populate, customise, and provide shortcuts on our websites;
To conduct surveys, such as to determine use and satisfaction with Healronfi services or to gauge industry trends;
To generate statistics in relation to the Healronfi;
For the purposes of feedback, reviews and ratings;
To promote and market special offers and other services to you, and to provide you with information that may be of interest to you. If you do not want to receive these communications, please update your preferences in The Member Preferences Centre if you have a Healronfi account, let us know by clicking here or use the unsubscribe link in any promotional email or SMS;
For purposes connected with the operation of the Healronfi;
For staff training and quality assurance;
To aggregate personal information with our third party partners for the purpose of personalising the advertising you receive from us and them;
To conduct competitions and trade promotions, including contacting the winner(s) and publishing winner names.
How do I access my information?
You generally have a right to access your personal information, subject to a few exceptions provided by law. If you wish to access your personal information please click here. Please remember to provide as much detail as you can as this will help us to find the information. Generally, there will be no charge for this service, however you may be required to verify your identity before any information is released to you. Depending on the volume, type or method of access to the information you request, Healronfi may charge you some fees, however, these will not be excessive, will be notified in advance, and will not apply to the making of the request. Please note that depending on the volume or nature of the information required, it may take a number of days to fulfil the request.
How is my information protected?
Healronfi takes reasonable steps to protect personal information collected from misuse, loss, unauthorised access, modifications or disclosure. Your personal information may be stored in hard copy documents, but is generally stored electronically on the Healronfi systems.