Privacy

Privacy Policy

This Privacy Policy is designed to tell you what will happen to the personal information you provide through this website or through any other form of communication with us, being FBR Limited, our wholly owned subsidiaries, or our agents or contractors (collectively referred to as Affiliates). In this Privacy Policy, 'us', 'we,' 'our' and similar grammatical forms means FBR Ltd and any of its Affiliates.

Please be sure to read this entire Privacy Policy before using this website or submitting personal information to us.

Personal Information

This Privacy Policy applies to any personal information or sensitive information you provide to us and/or we collect via this website.

What is "personal information"?

1. ) The Privacy Act 1988 (Cth) currently defines "personal information" as meaning information or an opinion about an identified individual or an individual who is reasonably identifiable:
   1. whether the information or opinion is true or not; and
   2. whether the information or opinion is recorded in a material form or not.
2. ) If information does not disclose your identity or enable your identity to be ascertained, it will in most cases not be classified as "personal information" and will not be subject to this Privacy Policy.

"Sensitive information" is any personal information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, health, genetics, biometrics or biometric templates. We generally do not wish to be informed of a person's sensitive information. We, in any event, will collect, use or disclose sensitive information about you only as allowed by law, for example where we have received your consent to do so or the collection is required by law.

Your consent

By using this website or otherwise providing us directly, or through others, with your personal information, you agree with the terms of this Privacy Policy and consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy, the Privacy Act 1988 (Cth) as amended (including the Australian Privacy Principles) (the Act) to the extent they apply and other applicable privacy laws.

Children

This website is not intended for children under the age of 16. We will not knowingly collect information from website visitors in this age group. We encourage parents to talk to their children about their use of the Internet and the information which they disclose to websites.

Passive information collection

As you navigate through this website, certain information can be passively collected (that is, gathered without you actively providing the information) through various technologies, such as cookies, internet tags or web beacons and navigational data collection.

This website may use and combine such passively collected anonymous information to provide better services to website visitors, customise the website based on your preferences, compile and analyse statistics and trends and otherwise administer and improve the website for your use. Such information is not combined with personally identifiable information collected elsewhere on the website unless you have consented.

Purpose of collection

We collect personal information to provide you with the best service experience possible on this website.

Your personal information may be used so that we can provide you with information about our products and services, such as by way of direct mail or telemarketing, and, where you have opted in, by email, SMS and MMS, or to request your feedback for promotional purposes.

By using our website, you consent to the receipt of direct marketing material. We will only use your personal information for this purpose if we have collected such information directly from you, and if it is material of a type which you would reasonably expect to receive from us. We do not use sensitive personal information in direct marketing activity.

You always have the right to opt-out of receiving such information. Our direct marketing material will include a simple means by which you can request not to receive further communications of this nature.

We customarily disclose personal information only to our service providers who assist us in operating the website. Your personal information may also be exposed from time to time to maintenance and support personnel acting in the normal course of their duties.

We will not use your information for purposes other than those described above unless we have your consent or as permitted by law (including for law enforcement or public health and safety reasons).

How we collect your personal information

We do not automatically collect personal information from you, such as your name, address phone number, email address or other personally identifiable information about you.  We collect personal information that is necessary for our business activities and in order to provide and develop our services. We collect three categories of information when you use our website:

1. the personal information you directly and voluntarily provide to us or our Affiliates whenever you input such information into this website or otherwise (for example, we will collect personal information from you when you register on our website, place an order, subscribe to our newsletter, respond to a promotional offer, competition or survey or fill out a form related to any customer service feature operating on our website).
2. anonymous non-personal information about how you use our website (please refer to the heading above in respect to passive information collection);
3. cookie based information we collect from your computer that makes your use of our website easier by recording your preferences so that when you return to our website the cookie re-loads that information into your web browser. As a general rule, however, it is not possible to identify you personally from our use of cookies.

We also may collect your personal information when legally required to do so under applicable laws.

What information do we collect and why?

The type of personal information we collect from you will depend on how you use this website.  The personal information which we collect and hold about you may include your name, date of birth, address, postcode, telephone numbers, email address and information on how you use, and your preferences regarding our products and services. If we are not provided with the personal information that we request, we may not be able to meet your request or provide our products or services to you.

The personal information you provide us may be used for a number of purposes connected with our business operations, which include to:

1. provide updates on our activities and developments;
2. verify your identity;
3. facilitate provision of our products and services to you;
4. address or respond to any requests from you;
5. inform you of existing and proposed products and services which we provide;
6. better understand your needs in the area of our operations; and
7. develop and improve the quality and scope of the products and services we
   provide, and seek your feedback.

General information about visits to our websites collected by our computer servers, with small files ("cookies") that our website transfers to your computer's hard drive through your web browser (if you allow the delivery of cookies). The cookies are used to follow the pattern of movements of users by letting us know which pages on our website are visited, in what order and how often and the previous website visited. The anonymous non-personal information that we collect and analyse is not classified as personal information.

Why do we use cookies and other web use tracking technologies?

When you access our website, small files containing a unique identification (ID) number may be downloaded by your web browser and stored in the cache of your computer. The purpose of sending these files with a unique ID number is so that our website can recognise your computer when you next visit our website. The cookeis that are shared with your computer cannot be used to discover any personal information such as your name, address or email address, they merely identify your computer to our websites when you visit us.

We can also log the internet protocol address (IP address) of visitors to our website so that we can work out the countries in which the computers are located.

We collect information using cookies and other tracking technologies for the following reasons:

1. to help us monitor the performance of our website so that we can improve the operation of the website and the services we offer;
2. to provide personalised services to each user of our website to make their navigation through our website easier and more rewarding to the user;
3. to sell advertising on the website in order to meet some of the costs of operating the website and improve the content on the website; and
4. when we have permission from the user, to market the services we provide by sending emails that are personalised to what we understand are the interests of the user.

Even if you have given us permission to send you emails, you can, at any time, decide not to receive further emails and will be able to "unsubscribe" from that service.

If you are unhappy about having a cookie sent to you, you can set your browser to refuse cookies or choose to have your computer warn you each time a cookie is being sent. However, if you turn you cookies off, some of our services may not function properly.

Sharing your personal information

We may disclose your personal information in certain circumstances, such as where we are required or authorised by law or where you have consented to us doing so.

We may also disclose your personal information to:

1. others in accordance with a request made by you;
2. our related companies and business partners; and
3. persons engaged in providing us with professional, business, technology and corporate services, when reasonably required.

When making such a disclosure we will take reasonable steps to ensure that the recipient is bound by privacy obligations.

Unless you consent, we otherwise will not disclose your personal information to third parties.

Overseas transfer

Your personal information may be transferred overseas or stored overseas for a variety of reasons including but not limited to:

1. If we are authorised to do so by law;
2. for any of the purposes set out in this Privacy Policy; or
3. if you have consented to us doing so.

It is not possible to identify each and every country to which your personal information may be sent. If your personal information is sent to a recipient in a country with data protection laws which are at least substantially similar to the Australian Privacy Principles, and where there are mechanisms available to you to enforce protection of your personal information under that overseas law, we will not be liable for a breach any applicable privacy laws if your personal information is mishandled in that jurisdiction. If your personal information is transferred to a jurisdiction which does not have data protection laws as comprehensive as Australia's, we will take reasonable steps to secure a contractual commitment from the recipient to handle your information in accordance with any applicable privacy laws.

In some circumstances, the European Union General Data Protection Regulation (GDPR) provides additional protection to individuals located in Europe. The fact that you may be located in Europe does not, however, on its own entitle you to protection under the GDPR. Our website does not specifically target customers located in the European Union and we do not monitor the behavior of individuals in the European Union, and accordingly the GDPR does not apply.

Access and correction

You may obtain access to the personal information we hold about you. If you would like to obtain such access, please contact us as set out below. We reserve the right to charge a reasonable fee for the costs of retrieval and supply of any requested information.

We will take all reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up to date. To ensure your personal information is accurate, please notify us of any errors or changes to your personal information and we will take appropriate steps to update or correct such information
in our possession.

Storage and security

We will take all reasonable precautions to safeguard your information from loss, misuse, unauthorised access, modification, disclosure or destruction. We implement a range of physical and electronic security measures to protect the personal information that we hold, including partitioned secure servers, multi-factor authentication and encrypted remote access.

You should keep in mind that no internet transmission is ever completely secure or error-free. In particular, e-mails sent to or from this website may not be secure.

Links to other websites

 This website may contain links or references to other websites to which this Privacy Policy may not apply. You should check the privacy policies of those third-party websites before providing your personal information to them.

Terms and Conditions

Please also visit our Terms of Use regarding uploading material and/or information to our website which sets out the conditions of use and limitations of liability governing the use of our website.

Notifiable Data Breaches scheme

In the event of any loss or unauthorised access or disclosure of your personal information that is likely to result in serious harm to you, we will investigate and act in accordance with any applicable laws, which may include notifying you and the Australian Information Commissioner as soon as practicable.

Complaint procedure

If you have any questions or concerns about our collection, use or disclosure of personal information, or if you believe we have not complied with this Privacy Policy or any applicable privacy laws, please contact us as set out below. Our privacy officer will investigate the complaint and we may seek further information from you to clarify your concerns. If we agree that your complaint is well founded, we will, in consultation with you, take appropriate steps to rectify the problem.

We will take any privacy complaint seriously and will aim to resolve any such complaint in a timely and efficient manner, and our target response time is 30 days.

We expect our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied, to the extent that the Privacy Act 1988 (Cth) as amended (including the Australian Privacy Principles) apply, you may refer the matter to the Officer of the Australian Information Commissioner:

• Telephone: 1300 363 992
• Enquiries@oaic.gov.au
• OAIC complaints page:   http://www.oaic.gov.au/privacy/privacy-complaints

How to contact us about privacy

If you wish to exercise your right to opt-out of receiving our marketing materials, or if you wish to seek access to your personal information, or if you have any questions or concerns or complaints about this Privacy Policy or our information practices, please contact us at:

privacy@fbr.com.au

Changes to this Privacy Policy

Our Privacy Policy may change from time to time as updated on this website. Before providing us with personal information, please check this Privacy Policy on our website for any changes.

This Privacy Policy was last updated 14th June 2023.