Privacy Policy — Compare Global Rates

Before publishing: complete every bracketed placeholder below (contact details and named referral partners) and have this policy reviewed by your legal adviser to confirm it accurately reflects how your business actually handles personal information.

1. About this policy

This Privacy Policy explains how Compare Global Rates ("we", "us", "our") collects, holds, uses and discloses your personal information. We are committed to handling personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

2. What information we collect

Identity and contact information — your full name, phone number, email address and country of residence, as submitted through our enquiry form.
Investment preferences — your indicative investment amount range and preferred hold period.
Communication records — records of phone calls, emails and other correspondence with us.
Technical information — IP address, browser type, device information, pages visited and referral source, collected automatically when you use this website.

We do not knowingly collect personal information from anyone under 18 years of age.

3. How we collect it

Directly from you, when you complete our enquiry form or communicate with us by phone or email.
Automatically, through cookies and similar technologies when you browse this website (see section 8).

4. Why we collect and use it

To respond to your enquiry and arrange for a fixed income specialist to contact you, as you have requested.
To refer your enquiry to the financial services provider(s) we work with, so they can provide you with information about fixed income opportunities.
To send you information you have asked for.
To operate, secure and improve this website.
To comply with our legal and regulatory obligations.
With your consent, to send you marketing communications about fixed income products and services (see section 7).

5. Who we disclose it to

We may disclose your personal information to:

Financial services providers — [name the providers to whom enquiries are referred], for the purpose of contacting you about your enquiry;
Service providers — IT, hosting, CRM, analytics and communication providers who support the operation of this website and our business;
Professional advisers — lawyers, accountants and auditors, where reasonably required; and
Regulators and law enforcement — where required or authorised by law.

We do not sell your personal information to third parties.

6. Overseas disclosure

[State whether personal information is disclosed to overseas recipients. For example: "Some of our service providers (such as website hosting and email providers) may store data in overseas locations, including [countries]. We take reasonable steps to ensure overseas recipients handle personal information consistently with the APPs." If there is no overseas disclosure, say so.]

7. Marketing and opting out

We will only send you marketing communications where you have consented, and every message will include a functional unsubscribe facility, consistent with the Spam Act 2003 (Cth). You may opt out at any time by using the unsubscribe link in any message or contacting us using the details in section 12, and we will action your request promptly.

8. Cookies and analytics

This website may use cookies and similar technologies to remember preferences and understand how visitors use the site. You can control or delete cookies through your browser settings; disabling them may affect some site functionality. [List any analytics tools actually used, e.g. Google Analytics, and link to their privacy documentation.]

9. Storage, security and retention

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure, including access controls and secure storage. We retain personal information only for as long as it is needed for the purposes described in this policy or as required by law, after which it is destroyed or de-identified.

10. Access and correction

You may request access to, or correction of, the personal information we hold about you at any time by contacting us using the details in section 12. We will respond within a reasonable period. If we refuse a request, we will tell you why and how you can complain about the refusal.

11. Complaints

If you believe we have breached the APPs, please contact us first using the details below. We will acknowledge your complaint and aim to respond within 30 days. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992

12. Contact us

Email: [privacy@yourdomain.com.au]
Phone: [+61 X XXXX XXXX]
Post: [Registered business address]

13. Changes to this policy

We may update this policy from time to time. The current version will always be published on this page with its "last updated" date. Continued use of the website after an update constitutes acceptance of the revised policy.