The cbdfinancial.com.au website ("this website") is owned by CBD Financial Services Pty Limited ABN (19 051 404 427). It is operated by CBD Financial Services Pty Limited and other companies that are associates of CBD Financial Services Pty Limited (referred to collectively as CBD).

CBD Financial Services Pty Limited respects your privacy and is committed to protecting your personal information. Our policy is to abide by the National Privacy Principles contained in the Commonwealth Privacy Act. This Statement of Privacy applies to the CBD website and governs data collection and usage. By using the CBD website, you consent to the data practices described in this statement.

Collection of your Personal Information

CBD collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. CBD also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favourites.

There is also information about your computer hardware and software that is automatically collected by CBD. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by CBD for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the CBD website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through CBD public message boards, this information may be collected and used by others. Note: CBD does not read any of your private online communications.

CBD encourages you to review the privacy statements of websites you choose to link to from CBD so that you can understand how those websites collect, use and share your information. CBD is not responsible for the privacy statements or other content on websites outside of the CBD and CBD family of websites.

Use of your Personal Information

CBD collects and uses your personal information to operate the CBD website and deliver the services you have requested. CBD also uses your personally identifiable information to inform you of other products or services available from CBD and its affiliates. CBD may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

CBD does not sell, rent or lease its customer lists to third parties. CBD may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, CBD may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to CBD, and they are required to maintain the confidentiality of your information.

CBD does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

CBD keeps track of the websites and pages our customers visit within CBD, in order to determine what CBD services are the most popular. This data is used to deliver customized content and advertising within CBD to customers whose behaviour indicates that they are interested in a particular subject area.

CBD websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on CBD or the site; (b) protect and defend the rights or property of CBD; and, (c) act under exigent circumstances to protect the personal safety of users of CBD, or the public.

Use of Cookies

The CBD website use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize CBD pages, or register with CBD site or services, a cookie helps CBD to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same CBD website, the information you previously provided can be retrieved, so you can easily use the CBD features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the CBD services or websites you visit.

Security of your Personal Information

CBD secures your personal information from unauthorized access, use or disclosure. CBD secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

CBD will occasionally update this Statement of Privacy to reflect company and customer feedback. CBD encourages you to periodically review this Statement to be informed of how CBD is protecting your information.

Contact Information

If you would like access to your personal information, please contact our office at:
Level 1, 207 Clarence Street
Sydney NSW 2000
Tel: (02) 9299 4800 Fax: (02) 9299 5433
Email: cbd@cbdfinancial.com.au

CBD welcomes your comments regarding this Statement of Privacy. If you believe that CBD has not adhered to this Statement, please contact our office. We will use commercially reasonable efforts to promptly determine and remedy the problem.

If the personal information requested by CBD or a third party is not provided, the appropriate services may not be able to be provided. Unless you notify CBD in writing, by proceeding to deal with CBD, you confirm agreement to the above principles.