1. Openness and transparency
Spantik Australia Pty Ltd, Spantik.com.au Ltd, Spantik Australia Pty Ltd and its affiliates (“Spantik”, “we”, “our”, “us”) are committed to protecting your privacy and respect and uphold your rights under the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) ("Privacy Act"). By using this website or providing us with your personal information, you agree to and consent to the collection, use, holding, and disclosure of personal information by Spantik as set out in this policy.
2. Personal information
Personal information is information or an opinion about an individual whose identity is apparent or can be reasonably ascertained, from that information or opinion. Personal information we may collect from you includes, without limitation, your name, address, email address, telephone number(s), and date of birth. Personal information also includes credit information. Credit information is personal information or an opinion about you that has a bearing on credit that has been provided to you or that you have applied for. Credit information includes information about credit that was applied for or provided to you for domestic, household, personal, or other investment purposes as well as information about you where you are a guarantor of a loan.
Spantik will collect personal information only by lawful and fair means and not in an unreasonably intrusive way. If it is reasonable and practical to do so, Spantik will only collect personal information about you directly from you. Spantik may collect your personal information from reputable third-party lead generation sources for marketing purposes, but only where you have consented to the disclosure of your information to Spantik and for Spantik to send you marketing communications. Spantik will not collect personal information unless the information is reasonably necessary for our functions and activities.
Personal information may be collected by Spantik in a number of circumstances, including when you:
- make an inquiry with us via email or telephone;
visit our websites;
lodge an inquiry or application in relation to any Spantik products or services; or
apply for employment with Spantik.
Spantik may enter into arrangements with third parties (including third parties with whom Spantik has partnered to provide you with its various products or services using the Spantik brand) to collect your personal information in circumstances where the third party notifies you, at the time of collection, that your personal information will be provided to Spantik.
4. What does Spantik do with your personal information?
In addition to any purpose notified to you at the time of collection, Spantik uses your personal information for the purpose for which it has been provided, for reasonably related secondary purposes and for the purposes of:
Providing our products and services to you;
providing Spantik branded products and services that are provided by our third-party partners;
our internal management needs;
our marketing activities, including marketing activities relating to Spantik branded products and services that are provided by our third-party partners;
responding to any inquiries or comments that you submit to us;
assessing, processing, and managing your applications for Spantik products and services or Spantik branded products and services offered by our third-party partners, including to assess your credit risk and our risk;
any other purpose you have consented to; and
any use which is required or authorized by law.
5. Disclosure of personal information
Spantik may disclose your personal information:
to third-parties we ordinarily engage for the above purposes;
organizations that provide products or services used or marketed by Spantik;
any person or entity to whom you have consented to Spantik disclosing your personal information to; and
any person or entity to whom we are required or authorized to disclose your personal information in accordance with the law.
6. Access and Management
You may request access to your personal information in our customer account database, or seek correction of it, by contacting our customer service team.
Spantik may charge a reasonable fee that is not excessive to cover the charges of retrieving your personal information from our customer account database. Spantik will not charge you for making the request
If Spantik no longer needs your personal information for any of the purposes set out in this policy, or as otherwise required by law, Spantik will take such steps as are reasonable in the circumstances to destroy the information or to de-identify it.
Spantik will take reasonable steps to protect the personal information it holds from misuse, interference, and loss and from unauthorized access, modification, or disclosure.
7. Opting Out / Unsubscribe
At any time you may opt-out of receiving marketing communications from us. Unless you opt-out, your consent to receive direct marketing communications from us and to the handling of your personal information as detailed above, will continue. Each of our marketing emails will have an unsubscribe function which will allow you to unsubscribe from all future marketing communications. All of our marketing SMS messages will also contain an unsubscribe feature. Outside of these channels, you can opt-out from receiving marketing communications at any time by emailing info@Spantik.com.au
8. Contact information
If you require further information regarding this policy or wish to make a complaint about a breach of the APPs by Spantik, please contact us at info@Spantik.com.au
9. Spantik website
When transmitting personal information from your computer to a Spantik website or to a Spantik branded website operated by one of our third-party partners, you must keep in mind that the transmission of information over the Internet is not always completely secure or error-free. Other than liability that cannot lawfully be excluded, Spantik will not be liable in any way in relation to any breach of security or any unintended loss or disclosure of that information.
Spantik operated websites may use "cookies" to help personalize your online experience and save you time. You have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Spantik website.