GAIA NATURAL CAPITAL PTY LTD
is committed to providing quality services to you and this document outlines our policies regarding the collection, use and disclosure of Personal Information we receive from users of our Site.
We use your Personal Information only for providing and improving the Site. By using the site you agree to the collection and use of information in accordance with this policy.
INFORMATION WE COLLECT
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information means information or an opinion about an individual whose identity is apparent or from which you identity can be reasonably ascertained.
Personal information may include, but is not limited to your name, address, email address, telephone numbers, gender, age and personal references.
We collect information submitted by you to this Site when you register, contact us or otherwise submit information via the Site. The provision of personal information and data by you is voluntary. If you do not wish for your information to be used for the reasons mentioned below, please do not provide us the information.
We receive and store certain types of information whenever you interact with us. For example, when you visit our site, our service attaches a small file called a “cookie” to your computer’s hard drive. This enables us to analyse usage patterns in order to tailor it to your preferences. Most web browsers are set to accept cookies however you can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. Although, if you do not accept cookies, you may be unable to engage with some parts of our Site. Cookies do not personally identify users but rather a user’s browser. We do not store any information within cookies.
WHAT WE DO WITH YOUR PERSONAL INFORMATION?
The security of your personal information is paramount to us and we will treat such information with care and recognise the need for appropriate protection. Gaia Natural Capital Pty Ltd will not sell, rent other otherwise disclose personal information for any purpose without consent from the user, unless permitted or required by law.
Personal information may occasionally be disclosed to certain selected organisations and agents to whom we outsource certain functions and procedures, for example Gaia Natural Capital Pty Ltd. We will not disclose personal information for marketing purposes to anyone other than the specific organisations unless you have indicated otherwise.
WHY WE COLLECT YOUR PERSONAL INFORMATION?
We may collect your personal information, including sensitive information for a number of reasons including:
- providing customers with the products and services they request and, unless they tell us otherwise, to provide information on products and services offered by us and external product and service providers for whom we act as agent. (If you have provided us with your email or mobile phone details, we may provide information to you electronically with respect to those products and services);
- complying with our legal obligations;
- monitoring and evaluating products and services;
- gathering and aggregating information for statistical, prudential, actuarial and research purpose;
- assisting customers with queries; and
- taking measures to detect and prevent frauds.
INFORMATION WE MAY COLLECT
The personal and sensitive information we collect generally consists of name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information.
If you have or are applying for life insurance or income protection insurance, we also collect medical and lifestyle information that relates to the insurance. This information may include your sexual activity and is collected so we may assess whether to accept your insurance proposal and, if so, on what terms.
We are required by law to identify you if you are opening a new account or adding a new signatory to an existing account. Anti-money laundering laws require us to sight and record details of certain documents (i.e. photographic and non photographic documents) in order to meet the standards set under those laws.
Where it is necessary to do so, we also collect information on individuals such as:
- company directors and officers;
- officers of co-operatives and associations;
- customer’s agents; and
- persons dealing with us on a “one-off” basis.
We may take steps to verify the information we collect; for example, a birth certificate provided as identification may be verified with records held by the Registry of Births, Deaths and Marriages to protect against impersonation, or we may verify with an employer that employment and remuneration information provided in an application for credit is accurate.
How we collect the information
We only collect personal information about you directly from you (rather than someone else) unless it is unreasonable or impracticable to do so or you have instructed us to liaise with someone else.
Information collected from someone else
If it is impracticable or unreasonable for us to collect the personal information directly from you, we may collect such information from agents, or from your family members or friends. If you are not aware that we have collected the personal information, we will notify you of collection and the circumstances of collection, if we consider it is reasonable to do so. The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) require us to collect certain identification information about you. We will collect personal information from third parties in respect of AML/CTF checks which are required to be carried out, under AML/CTF Legislation.
Incomplete or inaccurate information
We may not be able to provide you with the products or services you are seeking if you provide incomplete or inaccurate information.
In most cases, before or at the time of collecting your personal information, we will obtain your consent to the purposes for which we intend to use and disclose your personal information.
If you don’t give us consent, we may not be able to provide you with the products or services you want. This is because we are required to collect this information to provide you advice.
Having provided consent, you are able to withdraw it at any time. To withdraw consent, please contact our office. Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service you enjoy given that, as mentioned above, it is impracticable for us to treat some customers differently.
In addition to the above conditions of collecting personal information, we will only collect sensitive information about you if we obtain prior consent to the collection of the information or if the collection is required or authorised by law.
Dealing with unsolicited personal information
If we receive personal information that is not solicited by us, we will only retain it, if we determine that it is reasonably necessary for one or more of our functions or activities and that you have consented to the information being collected or given the absence of your consent that it was impracticable or unreasonable for us to obtain it under the circumstances.
If these conditions are not met, we will destroy or de-identify the information.
If such unsolicited information is sensitive information we will obtain your consent to retain it regardless of what the circumstances are.