Privacy

Pickle Finance Group Pty Ltd (PFG) and Pickle Money Pty Ltd operates the following website across desktop, mobile, tablet (including any subdomains):

apickle.com.au   known as the “Website” in this Privacy Policy. apickle.com.au  are together known as “PFG” or “we”, “our” and “us” in this Privacy Policy (unless the context requires), except in relation to the Credit Reporting Policy where “PFG” or “we”, “our” and “us” refer only to apickle.com.au

This Privacy Policy sets out the manner in which we collect, use, disclose and manage personal information. By using the Websites and the PFG Website, subscribing to our services or entering into an agreement with us in relation to the Websites, you are taken to have read, and agreed to the collection, use, disclosure and handling of your personal information in accordance with this Privacy Policy. We may modify this Privacy Policy at any time. You should review this Privacy Policy periodically so that you are updated on any changes. If you are a customer and the modification would result in a material change to either party’s rights or obligations and, for that reason, may cause you material detriment, we will give you at least 30 days’ written notice via email before the modification is to take effect and you may terminate your agreement with us during this period if you consider that the modification will cause you material detriment. For non-material changes we make that would not cause material detriment to a customer, we will give customers at least 30 days’ written notice via the Media Centre, before the modification is to take effect, but customers may not terminate as a result of this modification during this period.

apickle.com.au may collect personal information about you including, but not limited to your name, address, phone number, email, gender, occupation, personal interests and any other information provided. For some services and products, apickle.com.au may also collect your personal information to enable verification of your identity, including information from your passport, driver’s licence, and health care and concession cards. If you access any of our services through a social network site such as Facebook, will collect limited information provided to us by that social network site, such as user name, site ID and email address. If you are a shareholder or employee of PFG (or its services providers) may collect information about your shareholdings, banking details and tax file numbers for payment of dividends and other amounts. If you subscribe to alert services on the PFG Website, we may collect your name and email address. If you submit personal information to us in relation to an employment opportunity, we may also collect information about your employment and academic history. We may also collect non-personal information about you including, but not limited to, data relating to your activities on the Websites and PFG Website (including IP addresses) via tracking technologies such as cookies, web beacons and measurement software or data relating to survey responses. You acknowledge that the personal information you provide us and which we collect from you, is your own information or information which you have been authorised to provide to us

apickle.com.au may collect personal information about you from a variety of sources including, but not limited to:

(a) Registering to use the Websites or parts of them through a Mypickle account;

(b) logging in to use our Websites via your social networking site (“SNS“) account;

(c) subscribing to receive Alerts/e-brochures and filling in forms, applications, surveys or research, participating in promotions and competitions on the Websites or websites of our service providers;

(d) contacting us or our service providers for any reason including, but not limited to, reporting a problem with the Websites, requesting further services or seeking our assistance;

(e) posting or contributing material on our Websites;

(f) using our services and any credit provided by us in connection with those services (see our Credit Reporting Policy below for more detail);

(g) applying for an employment opportunity with us directly, via an SNS site (eg. LinkedIn) or through your nominated referees.

(a) are a shareholder of PFG, then PFG may collect personal information about you from third parties (including, for example, collection of information from its share or share plan registrar);

(b) subscribe to receive email alerts, media releases and other news relating to PFG through the PFG Website. We may also collect your personal information through our related bodies corporate, our service providers and third parties so that we may provide a better or more relevant service or product to you.

We use the personal information we have collected largely for the purpose of providing you with products and services that you have requested, responding to your inquiries, creating and maintaining your account and ensuring you comply and adhere to our website terms of use. More specifically, apickle.com.au may use personal information which it has collected to:

(a) ensure that content from the Websites is presented in the most effective manner for you and for your computer;

(b) provide a better or more relevant service or product to you, for instance by automatically populating forms on the Websites when you make enquiries of selected estate agents;

(c) combine your personal information with information that apickle.com.au has collected from its service providers, third parties, cookies or web beacons in order to provide you with a better or more relevant and personalised experience and to improve the quality of its services and the services of third parties. For example, we may combine behavioural data we have collected about you through the use of cookies or web beacons and combine it with your personal information from requests you send to third parties through our website;

(d) personalise and customise your services, experience, advertising and content that you view and engage with on the Websites or the websites of apickle.com.au service providers and business partners

(e) respond to or provide you with service, products, information and assistance that you request from apickle.com.au;

(f) contact you to conduct surveys, research and feedback about our products, services or the Websites;

(g) verify your identity when you register or log into our Websites via your SNS account and remind you of your password and username;

(h) allow you to participate in interactive features of our service, when you choose to do so;

(i) help carry out our obligations arising from any contracts entered into between you and us;

(j) to assess your application for credit as a business in connection with our services;

(k) by disclosing the information to debt collection agencies to recover any amounts you owe us;

(l) notify you about changes to our products and services. If all or part of this information is not provided, we may not be able to provide these services.

If you are a shareholder of PFG Pty Ltd, PFG may also use your personal information to:

(a) communicate with, and comply with PFG’s legal obligations to, its shareholders, and to process payments to them.

If you submit personal information to us in relation to an employment opportunity with us, we may also use your personal information to:

(a) consider you for the position for which you have submitted your personal information to us or any other positions that are or become available in the future;

(b) respond to you in relation to any future application you make for an employment opportunity with us;

(c) contact your referees in order to collect the information you have consented to us collecting about you in order to consider you for employment opportunities with us.

We may:

(a) use your personal information to provide you with information about offers, promotions, goods or services, which we believe may be of interest to you;

(b) share your information with our service providers and other third parties so that they can provide you with products or services on our behalf or help us to provide you with the requested products or services including contacting you in relation to the products or services.

If we do contact you by using your personal information in accordance with either of the above, we will give you the opportunity to request that your information not be used for further direct marketing in the future. We may also, if you request us to by opting-in through your apickle.com.au account, share your information with third parties so they may contact you directly about their offers, promotions, goods or services.

We may disclose personal information to our related bodies corporate, service providers or business partners. We may also disclose your personal information:

(a) to real estate agents or agencies, property developers, builders, retirement community operators and landlords that have listings or advertising on our Websites and which you have requested information from by submitting an enquiry;

(b) to our service providers, so that they can provide you with products or services on our behalf or products or services that you have requested directly from them, or to help us to provide you with our products or services. If you have subscribed to a service through the operating system on your mobile device (including, but not limited to Google’s “Google Now” service),we will disclose information such as your search history to Google. You can opt out of us providing such information to Google through the operating system on your mobile device;

(c) to third parties where you have requested information, services or products from them;

(d) in conjunction with a sale or similar transfer of a business;

(f) if you apply to us for credit, to:

(i) credit reporting bodies (for the purpose of obtaining credit reporting information about you and other permitted purposes – see our Credit Reporting Policy below for more details);

(ii) other credit providers, existing or previous suppliers of goods or services, your bank and certain other businesses for the purposes of assessing your application;

(g) relevant public, government or regulatory authorities, our legal representatives or other concerned parties, in special situations where we have reason to believe that disclosing your personal information is necessary to help identify, contact or bring legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with our rights or property, users or anyone else who could be harmed by such activities;

(h) where we are otherwise authorised or required by law to do so. If you request information from any organisation through our Websites, you will need to check their privacy policy to find out how they handle your personal information. We are not responsible for the way these organisations collect, use, disclose or handle personal information you provide to them through our Websites

Personal information submitted by PFG’s customers and visitors to our Websites and the PFG Website may be held on servers located in Australia or in the data centres of PFG’s outsourced data processors with data centres in Australia, the United States of America, Europe and Asia. We transfer data outside of Australia to our service providers in order to obtain secure storage, back-up and data retrieval services and to provide services. PFG has implemented policies and procedures to safeguard the secure storage and processing of data with its related companies and has verified the security arrangements of its outsourced data processors. When you provide us with your personal information you give us your consent to store your personal information outside of Australia for the purposes described above. Where we have obtained your consent to do so, we may also share your personal information with our service providers and other third parties located outside Australia so that they can provide you with any products or services requested by you, including contacting you in relation to the products or services. As these entities are located outside of Australia, they are not required to comply with the Privacy Act and you will not be able to seek any redress under the Privacy Act in connection with the use of your information.

We strive to ensure the security, integrity and privacy of personal information we collect. We have established safeguards and use reasonable security measures to protect your personal information from unauthorised access, modification and disclosure. Our employees, contractors, agents and service providers who provide services related to our information systems,are obliged to respect the confidentiality of any personal information held by us. We review and update our security measures in light of current technologies. Unfortunately, no data transmission over the internet can be guaranteed to be totally secure.

We will endeavour to take all reasonable steps to keep accurate and up to date, any information which we hold about you. If, at any time, you discover that information held about you is incorrect or you would like to review and confirm the accuracy of your personal information, you can contact us. You can also gain access to the personal information we hold about you, subject to certain exceptions provided for by law.To request access to your personal information, please contact us

PFG is committed to providing its customers with a fair and responsible system for the handling of complaints. If at any time you have any concerns, complaints, or questions in relation to your privacy or the operation of PFG, please contact our Privacy Officer at privacyofficer@apickle.com.au so that we may resolve your concerns. Our Privacy Officer will consider your query and endeavour to respond to you promptly. For more information about privacy issues in Australia and protecting your privacy, visit the Office of the Australian Information Commissioner’s website.

ADS We aim to give you a highly relevant experience on our sites and apps. This involves us collecting and using information about the content you engage with, such as images, articles, calculators and ads, along with any information you provide to us via your apickle.com.au account (if you have one). We then show you ads that we believe will be engaging. You can opt out of us personalising your advertising experience by going to the opt out page

We use cookies, web beacons and measurement software and tools on the Websites and PFG Website and so do our services providers and third parties such as our analytics, advertising or adserving partners. We use and disclose the information collected through the use of cookies, web beacons and measurement software and tools in accordance with this Privacy Policy. This includes using the information to report statistics, analyse trends, administer our services, diagnose problems and target and improve the quality of our products and services. We may allow other third parties to use their own cookies and web beacons to collect information about your visits to the Websites and PFG Website. We may combine our cookies, information collected through the cookies and web beacons on the Websites and PFG Website with other information (including information collected by third parties using their own cookies and web beacons and providing our cookies and information to third parties) and use analytics services such as Firebase Analytics – to provide better or more relevant services and advertising to you on the Websites, the PFG Website and third party websites. Our service providers and other third parties may do the same in order to provide more relevant services and advertising to you through other websites that you may visit.

If you do not want information collected through the use of cookies, web beacons or measurement software and tools, you may be able to delete or reject Cookies or some of the measurement software features through your browser or the settings section of your mobile or tablet device. Disabling these features may cause some of the functions on the Websites and PFG Website, or products and services not to work properly.

We provide links to websites outside of the Websites and PFG Website, as well as to third party websites. We also allow some third parties to display widgets and applications on our Websites that allow you to interact and share content including social media buttons such as Facebook share and like, Twitter, Pinterest and Google+. These linked sites, applications and widgets are not under our control, and we cannot accept responsibility for the conduct of companies linked to the Websites and PFG Website, or their collection of information through these third party applications or widgets. Before disclosing your personal information on any other website, or using these applications or widgets we advise you to examine the terms and conditions of using that website and the relevant third party’s data collection practices and controls in their privacy policy.

We use virtual phone numbers on the Websites to track the origin, time and duration of phone enquiries to our customers. We also use this data in aggregated form, to report statistics, analyse trends, administer our services, diagnose problems and target and improve the quality of our products and services. If you do not want us to collect information regarding your call, you can contact an agent by email or by telephone using the number listed on the agent’s website.

If you submit an enquiry about apickle.com.au business loans on Facebook, your information will be passed to the team at the apickle.com.au Business Loans contact centre so they can help you with your enquiry. The information you provide will not be used for any other purpose unless you consent.

If you access our Websites from the European Economic Area (EEA), you may have additional rights under the General Data Protection Regulation, being Regulation 2016/679 (GDPR) in relation to the handling of your Personal Data (as defined in Article 4 of the GDPR). In providing our services to you, we may monitor your activity on the Websites using automated processes, including for the purposes of counting usage of our Websites and creating audience profiles. We do this to provide you with more tailored and relevant services, including to show you more relevant properties In addition to other rights set out in this Privacy Policy, in certain circumstances you may:

• request access to Personal Data that we hold about you;
• request a copy of Personal Data that that you have provided to us, in a structured electronic format;
• request that we update any inaccurate Personal Data that we hold about you; request that we restrict the processing of Personal Data that we hold about you. This enables you to ask us to suspend the processing of Personal Data, for example if you want us to establish its accuracy or the reason for processing it;
• object to our processing of your Personal Data;
• request that we delete any Personal Data that we hold about you, subject to any legal obligations we have to retain your Personal Data;
• withdraw your consent to the processing of the Personal Data that we hold about you. Once you have withdrawn your consent, we will no longer process your Personal Data for the purpose(s) you originally agreed to, unless we are required to do so by law. This will not affect the lawfulness of any processing of Personal Data based on your consent before its withdrawal Where your Personal Data is transferred outside of the EEA, it will only be transferred to countries that have been identified as providing adequate protection for Personal Data, or to a third party where we have approved transfer mechanisms in place to protect your Personal Data – i.e., by entering into the European Commission’s Standard Contractual Clauses, or by ensuring the entity is Privacy Shield certified (for transfers to US-based third parties). For further information or to exercise any of your rights as a EEA data subject under the GDPR, please contact privacyofficer@apickle.com.au