Our commitment to protect your privacy

In your relationship with us, you share personal information with us. This information may include your name, address, telephone numbers, email address, tax file number, bank account and credit card details, date of birth and other personal details in connection with transactions entered into by you with us. We recognise the importance of your privacy and how important it is for us to protect your personal information. We are committed to protecting personal information that we hold and to complying with all relevant privacy laws in the jurisdictions in which we operate. This document describes how we manage your personal information and safeguard your privacy.

How do we collect and hold personal information about you?

We will only collect personal information that is necessary for us to lawfully and ethically carry on our business; to provide the goods and services our customers require; let our customers know about other products and/or services which might interest them; and to assist us generally in managing transactions with our customers, suppliers, consumers and other contacts with us. ??The kinds of personal information we collect and hold will depend upon the type of products and services we provide to you or obtain from you. It may be contained in:

• information you give us when you request a product or service from us or enter a competition of ours;
• credit related information necessary to assess applications for credit and personal guarantees;
• records of communications between us and you; and
• if you have or had one of our products, information about the use of that product or your opinions about that product recorded when you respond to a survey.

The personal information we request is optional, but if you choose not to provide necessary personal information to us, we may not be able to fulfill your request or provide you with the product or service you require. Sometimes, however, there are situations where we are required by law to collect certain personal information from you and, if this is the case, we will inform you of the law that imposes this requirement.? We will collect personal information directly from you whenever it is reasonable practicable to do so. We may, at times, also collect personal information from other parties such as other members of the Compact Group (except where you tell us not to), credit reporting and collection agencies, unrelated third parties as well as from your agents or representatives (such as your legal or financial adviser) and from publicly available sources of information.

What do we do with the personal information we collect?

We respect your privacy. Any personal information that we collect about you will only be used for the purposes for which it is collected or for related purposes and will not be disclosed outside of the Compact Group without your consent, except where described in this privacy policy. We may keep and file personal information you provide when dealing with us to assist us in providing you with our services and/or information of interest in respect of your business. For example, another member of the Compact Group of companies may send publications or other market information on its products and services to you or follow up on your interest in particular products and services, unless you tell us not to. ??In order to do this, we disclose your personal information to those employees or advisers who need to know that information to assist us in providing you with our range of products and services.

How do we protect your personal information?

We take all reasonable steps to protect your personal information from loss, misuse, modification, or unauthorised access and disclosure. These steps include access control for our buildings, confidentiality obligations imposed on our employees and use of security measures for computer system access. We do not, however, accept any responsibility for the unauthorised access or use of personal information held by us.

What rights do you have in relation to your personal information that we hold?

We take all reasonable steps to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. If you become aware of any errors in your personal information or you change your personal details such as your name, address or bank account details, we ask you to contact us as soon as possible.

Generally, if you request us to do so we will amend any personal information about you held by us which is inaccurate, incomplete or out of date. If we disagree with you about the accuracy, completeness or currency of personal information held by us, if you ask we will take reasonable steps to associate with that information a statement to the effect that you claim this to be the case.? You may also contact our Privacy Officer to request us to stop using your personal information to contact you about our products and services. If you no longer conduct business with us, you can ask us to remove your personal information. You can contact our Privacy Officer if you wish to obtain more information about the way we manage personal information about you that we hold; or if you are concerned that we may have breached your privacy and wish to make a complaint.