Privacy Policy

Introduction

This is the Privacy Policy of Money of Mine Pty Ltd ACN 156 343 501 (Money of Mine or us/we). We understand the importance of your privacy and your concerns about the security of your Personal Information. We are committed to protecting any Personal Information about you that we hold.

This Privacy Policy outlines how we collect, use, protect, and disclose your Personal Information. It also explains how you can access and have it amended, as well as who you can contact should you have an enquiry or complaint.

Definitions

'Personal Information' means information or an opinion (whether or not true, and whether or not recorded in a material form) about an identified individual, or about an individual who is reasonably identifiable.

‘Product(s)’ means the Directors Special newsletter and the Money of Mine podcast.

What kinds of Personal Information do we collect and hold?

The types of Personal Information we collect about you will depend on the Products you receive from us or how you interact with us. The Personal Information we may collect about you includes, but is not limited to:

  • Your name and/or email address;

  • Demographic information, such as age bracket, gender, geography and how you heard about us;

  • Any information on your publicly available social media profile (e.g. LinkedIn) such as your employer and employment history;

  • Digital usage information, such as geo-location, IP address, links viewed and other information about your computer, device and browser;

  • Information you provide to us through subscriber surveys;

  • Your interests in our Products or events;

  • Any additional information relating to you that you provide to us directly through our Products, indirectly through your use of our Products or online presence, or through other websites or accounts from which you permit us to collect information; and

  • Any other Personal Information that may be required in order to facilitate your dealings with us.

  • We do not adopt Commonwealth Government identifiers, such as a tax file number or a Medicare number, as a means of identifying individuals.

How do we collect Personal Information?

We will collect Personal Information directly from you or indirectly from third party sources, or as otherwise permitted by law. The Personal Information we collect may be captured from a variety of sources including:

  • Subscribing to and/or use our Products;

  • Communicating with us through correspondence, chats, email, or when you share information with us from other social applications, services or websites;

  • Interacting with our Products, sites, social media, content and advertising;

  • Voluntary submissions (e.g. responses to surveys, requests for information on our Products or those of our sponsors); and

  • Public registers (e.g. if we need to check Personal Information independently of you).

While some contacts with us such as general enquiries may be made anonymously or by using a pseudonym, if the relationship is to progress any further (e.g. having a business relationship with us) it will be necessary for us to know who you are to enable us to deliver our Products or engage in a sponsorship arrangement with you. Similarly, we cannot deal with complaints made anonymously or by pseudonym. If you give us information about another person, you should make sure that you are authorised to give us that information. You must also make sure to inform that person of who we are and that we may use and disclose their Personal Information in accordance with this Privacy Policy.

Should a third party give us unsolicited Personal Information about you, we will within a reasonable period determine whether or not we could have collected the information directly from you or if it is in a public record and, if not, we will take reasonable steps to destroy or de-identify that information unless the law otherwise permits or requires.

Why do we collect, hold, use and disclose personal information?

We may collect, hold, use and disclose your Personal Information for the following purposes:

  • To enable you to access and use our website and/or Products;

  • To operate, protect, improve and optimise our Products, business and our users’ experience, such as to perform analytics, conduct research and for advertising and marketing;

  • To send you service, support and administrative messages, reminders, updates, security alerts, and information requested by you;

  • To collect payments from you;

  • To send you information about our Sponsors products or services that may be of interest to you, sent on behalf of, or by our Sponsors;

  • To administer rewards, surveys, contests, or other promotional activities or events sponsored or managed by us or our Sponsors; and

  • To comply with our legal obligations, resolve any disputes that we may have with any of our users, and enforce our agreements with third parties.

We do not use or disclose your Personal Information for purposes other than those outlined in this Privacy Policy. However, we may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

How do we use your Personal Information?

We may disclose Personal Information for the purposes described in this Privacy Policy to:

  • Our employees and related bodies corporate;

  • Our third party suppliers and service providers (for the operation of our websites, our business or in connection with providing our Products to you);

  • Payment systems operators (e.g. merchants receiving card payments);

  • Sponsors of our Products;

  • Anyone to whom our assets or businesses (or any part of them) are transferred;

  • Specific third parties authorised by you to receive information held by us; and/or

  • Other persons, including government agencies, regulatory bodies and law enforcement agencies, or as required, authorised or permitted by law.

Links to other websites

Our website and Products may contain links to other websites for you to access. You should be aware that the privacy policies of the operators of those other sites may not be the same as ours and you should refer to their privacy policies.

Disclosure of Personal Information outside Australia

Your Personal Information may be stored outside Australia, such as by third-party technology suppliers based in the United States.

When you provide your Personal Information to us, you consent to the disclosure of your information outside of Australia and acknowledge that we are not required to ensure that overseas recipients handle that information in compliance with Australian privacy law. We will, however, take reasonable steps to ensure that such Personal Information is handled in line with this Privacy Policy.

Information security

We will take all reasonable steps to ensure that any Personal Information about you which we hold is:

  • Secure: protected from misuse, interference and loss and from unauthorised access, modification or disclosure; and

  • Appropriate: accurate, complete, up-to-date, relevant and not misleading having regard to the purpose for which it is held and may be used.

Your Personal Information may be kept in various formats by us, our related companies and relevant third-party providers.

We use a number of measures to protect your Personal Information. However, we cannot guarantee the security of your Personal Information.

Changes to our Privacy Policy

Sometimes it will be necessary for us to update and change our Privacy Policy. We reserve the right to change our Privacy Policy at any time. We may notify you about changes to our Privacy Policy by posting an updated version on our website.

Accessing or correcting your Personal Information

You can access the Personal Information we hold about you by contacting us using the details set out below. Sometimes, we may not be able to provide you with access to all of your Personal Information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your Personal Information.

If you think that any Personal Information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected.

Making a complaint

If you think we have breached our obligations, or you wish to make a complaint about the way we have handled your Personal Information, you can contact us using the details set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.

Contact Us

For further information about our Privacy Policy or practices, to access or correct your Personal Information or to make a complaint, please contact us at [email protected] or write to Money of Mine, 1202 Hay St, West Perth WA 6005.

Disclaimer

All information in the Money of Mine podcasts and newsletters are for education and entertainment purposes only and are of general nature only.

Money of Mine gives listeners and readers access to information and educational content provided by a range of contributors, some of which include financial services professionals (Contributors). This information and educational content is not a recommendation and is not intended as a substitute for professional finance, legal or tax advice.

The hosts of Money of Mine are not financial professionals. Money of Mine and our Contributors are not aware of your personal financial circumstances. Before making any investment decision, you should consult a licensed financial, legal or tax professional, along with considering any relevant Product Disclosure Statement.

Money of Mine does not operate under an Australian financial services licence and relies on the exemption available under the Corporations Act 2001 (Cth) in respect of any information or advice given.

Money of Mine and our Contributors strive to ensure the accuracy and currency of the information contained in the podcast and newsletter but we do not make any representation or warranty that it is accurate, reliable or up to date. Any views expressed by the hosts of Money of Mine and our Contributors are their opinion only and may contain forward looking statements that may not eventuate.

Money of Mine and our Contributors will not accept any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of information in the podcast or newsletter.

Effective Date

Privacy Policy effective 4 September 2024.