Privacy Policy

Standard Capital Web Site Privacy and Security Statement

Standard Capital Web Site Privacy and Security Statement

About This Security and Privacy Statement
Privacy Act Authorisation
Security of Information
Information Collected
Advertising and Tracking
Cookies
How we Handle Email
Use and Disclosure of Information
Acceptance and Changes to Security and Privacy Statement
Declarations and acknowledgements
Privacy Consents
Personal Information
Confidentiality
Jurisdiction

About This Security and Privacy Statement

This Security and Privacy Statement applies to this Web Site, which is operated by Standard Capital Group under the domain name "www.standardcapital.com.au" ("Standard Capital Capital Web Site"). The Standard Capital Web Site is operated on behalf of Standard Capital and its related bodies (together called the "Standard Capital Group"). The information described in this Security and Privacy Statement may be shared between members of the Standard Capital Group.

This Security and Privacy Statement may also apply to services offered by Standard Capital on Web Sites hosted by third parties. If so, express reference to this Security and Privacy Statement will be made on those Web Sites.

Standard Capital understands and appreciates that you, as a Standard Capital Web Site visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. Standard Capital is committed to protecting your privacy. This Standard Capital Security and Privacy Statement explains how your personal information will be treated as you access and interact with the Standard Capital Web Site.

As the Standard Capital Web Site develops and as technology evolves, Standard Capital will continue to strive to provide you with better and more customised services and with a more effective Web Site. Standard Capital encourages you to review the Security and Privacy Statement periodically because the Security and Privacy Statement may change from time to time.

Standard Capital has a Standard Capital Privacy Policy, which explains how Standard Capital generally protects your privacy and confidentiality. The principles set out in this Standard Capital Privacy Policy also apply to Standard Capital Web Sites.

Privacy Act Authorisation

Where the product and / or service requires you to pass on personal information to Standard Capital and where this information is required to be shared with third parties for the fulfillment and / or delivery of this product and / or service you agree by accepting this document that Standard Capital will be able to share this information within the scope of this Privacy Act Authorisation and for the express purpose of completing its duties in the provision of the product and / or service you have purchased.

Standard Capital undertakes to obtain your written consent to the sharing of this information if the information needs to be shared with an entity that is not part of the Standard Capital Group.

In addition to the provisions of this Security and Privacy Statement, there may also be specific and additional privacy provisions which apply to certain sections of the Standard Capital Web Site. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on the Standard Capital Web Site. In the event of any inconsistency between the provisions of this Security and Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.

Security of Information

Standard Capital takes reasonable steps to preserve the security of ‘cookie’ and personal information in accordance with the Standard Capital Web Site Terms of Use and this Security and Privacy Statement. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted). If secure transmission is indicated, Standard Capital currently uses 228-bit SSL encryption.

Standard Capital regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly although, Standard Capital strives to protect such information, Standard Capital cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.

Information Collected

The information that we will collect about you will depend on how you use the facilities offered by the Standard Capital Web Site.

If you visit an unsecured area of the Standard Capital Web Site (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.

Some Standard Capital Web Sites offer a number of interactive facilities including tools such as budget planners and home loan calculators, as well as online application forms.

If you use any of the tools such as the budget planner or home loan calculator or any other tool that requires you to put personal information in, we generally do not capture any personal information that you may enter when using these tools. An exception is where a tool such as a budget planner allows you to suspend or save your plan and retrieve the details at a later time. In that case the information is stored on our systems so that you may recover the information when you resume your plan. Any information stored in a suspended or saved budget planner or other similar tool will not be viewed by Standard Capital.

If you decide to complete an online application form, we will only collect the information that you enter into the online form if you submit your online application. If at any stage you cancel your application or log out prior to submitting your application, the information you have entered up to that point will be automatically deleted. Should a function on the website allow you to save your information, suspend your application or save your application, for example because you wish to complete it at another time, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. You may only recover this information within 30 days. After this time, the information is deleted. Online applications that have been suspended or saved will not be viewed by us and are not processed by us.

The Standard Capital Web Site also contains links to the Web Sites of third party providers of goods and services ("Third Party Web Sites"). If you have accessed Third Party Web Sites through the Standard Capital Web Site and if those third parties collect information about you, Standard capital may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party Web Site from the Standard Capital Web Site, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.

Third Party Web Sites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Advertising and Tracking

Standard Capital retains the right to use Third Party companies to deliver its online advertising where Standard Capital banner advertisements are placed on Third Party Web Sites or in any other way that a Third party agrees with Standard Capital to advertise.

When you view a Standard Capital advertisement on a Third Party Web Site, the advertising companies use "cookies" and in some cases "web beacons" to collect information such as:

To track the performance of their marketing efforts - when you access the Standard Capital Web Site after viewing a Standard Capital advertisement on a Third Party Web Site, the advertising company may collect information on how you utilise the Standard Capital Web Site (e.g. the pages you view) and whether you complete an online application.

Advertising companies and marketing/tracking companies ("Companies") use that information to perform statistical analyses of aggregate user behavior, but those analyses are not based on personal information. Standard Capital uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of the Standard Capital Web Site. As a general rule, no personal information is collected by the Companies in this process. If, however, any personal information is incorporated in information that the Companies automatically collect, these Companies are required under their arrangements with Standard Capital to maintain the privacy and confidentiality of that personal information.

We may disclose the information collected by a Company, in an aggregate form only, to third parties including advertisers or potential advertisers.

Cookies

We use "cookies" as a fundamental part of our interaction with your Internet browser. The purpose is to provide you, the user with a more enhanced customised service and therefore with a more effective experience with our Web Site.

A "cookie" is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our web page servers. Cookies are frequently used on Web Sites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

Standard Capital uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits the Standard Capital Web Site. This cookie does not allow us to collect personally identifiable information about you.

We use this cookie:

Most of the Standard Capital Web Site operates by using this type of cookie.

Accordingly, if you wish to make full use of the Standard capital Web Site, it is required that you accept cookies.

Standard Capital may use cookies for secure services (that is, an area where you are required to log on) on the Standard Capital Web Site. These cookies are used for a variety of purposes, including for security and personalisation reasons. If your browser is configured to reject all cookies you will be unable to use secure services on the Standard Capital Web Site that require cookies in order to participate. Standard Capital does not limit itself to any particular use or use in any particular area of business of cookies.

With online applications - you may still be able to use some information-only pages even if you do not accept cookies.

How we Handle Email

We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by our Standard Capital employees for security issues including where e-mail abuse is suspected and our response to you may be monitored (if required) for quality assurance purposes.

Use and Disclosure of Information

Standard Capital Pty Ltd. ABN 53 098 621 133, of, Level 1, 167 Queen St, Melbourne, VIC 3000 acts as website, eBusiness and eCommerce Manager for the Group. The Standard Capital Group is as defined elsewhere in this document. By acting in this capacity for the Group Standard Capital accepts payment of all monies and purchases and is responsible for the delivery of these products and services or to the adherence of the refund policy as described elsewhere in this document.

Where the website involves the promotion and / or sale of products and services from a Third party, Standard Capital and the Third Party may share commissions, fees, referral rewards and any other benefits as they agree from time to time.

Where Standard Capital is involved in a role as manager for a Third Party, it does so at the approval and discretion of this Third Party and it is bound by the Privacy and Security Policies of that Third Party and / or any law, covenant and / or ruling relating to Privacy and Security of Information that is applicable in the Commonwealth of Australia from time to time. Anything previously agreed to between you and this Third Party is binding upon Standard Capital and Standard Capital is obliged to adhere to the conditions of this agreement before your agreement to this document. By agreeing to this document you forego any rights previously obtained that are in conflict with this Privacy and Security statement and agree now to have agreed to the terms of conditions outlined in this document.

We will only use or disclose personal information or information generated by cookies in accordance with the Standard Capital Privacy Policy, specific and additional provisions relating to privacy which apply to certain areas of the Standard Capital Web Site and as otherwise set out in this Security and Privacy Statement.

Acceptance and Changes to Security and Privacy Statement

You acknowledge and accept that your use of the Standard Capital Web Site indicates your acceptance of the Standard Capital Web Site Terms of Use and the Security and Privacy Statement.

This is the current Security and Privacy Statement. It replaces any other Security and Privacy Statement for the Standard Capital Web Site published on the Standard Capital Web Site to date. Standard Capital may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the Standard Capital Web Site. You accept that by doing this, Standard Capital has provided you with sufficient notice of the variation.

Declarations and Acknowledgments

Standard Capital Group's collection, use and disclosure of personal information:

The Standard Capital Group may collect your personal information to enable it to process your application and provide you with the product you are applying for. Without this information we are not be able to consider or approve your application.

Standard Capital may disclose your personal information to:

Any service provider "The Group" engages to carry out or assist its functions and activities or other persons authorised or required by law to disclose information to (and other persons where you have consented to the disclosure).

You may request access to your information by calling 1800 896 938. Access will be granted in accordance with the Privacy Act (1988) for a reasonable fee. If any of your information is inaccurate, you may request that it be corrected.

Privacy Consents:

In accessing and visiting the Standard Capital Website you agree to the following:

The Standard Capital Group comprises of the entities below and you consent to certain disclosures of personal information where required to deliver information, a product or service requested or purchased, or as required by law.

The following companies form "The Standard Capital Group”. [Confirm the below with Cemal]

And the following websites:

• www.standardcapital.com.au
• www.programsecurities.com
• www.australiabestloans.com.au
• www.scbusiness.com.au
• www.scfinancialservices.com.au
• www.smallbusinessloans.com.au
• www.strategicproperty.net
• www.paymastercard.net
• www.brokerbusiness.com.au
• www.standardcapital.biz
• www.infosourcedirect.biz
• www.interactivefinance.biz
• www.advantagenetwork.com.au
• www.pureadvantage.com.au

On acceptance of this document, you accept the following wider definition of the Group to agree that Standard Capital may use your personal information to promote its products or those of its related companies and alliance partners and may disclose your personal information to its related companies or alliance partners to enable them or Standard Capital to market their products or services.

Where I do not want Standard Capital to tell me about its products or services or those of its related companies or alliance partners, I may withdraw my consent by calling 1800 896 938 or via email at melbourne@standardcapital.com.au .

International telephone (+613) 9670 1770
International facsimile (613) 9670 1774
Email: melbourne@standardcapital.com.au

Confidentiality

When the product and / or service requires you to pass on personal information to Standard Capital, however it is a vivid, stated virtue or feature of the product or service that your identity is to remain private to any Third Party then Standard Capital agrees to adhere to confidentiality and not pass your private information on to any Third Party without your prior express consent to the extent of the scope of the below confidentiality statement.

STANDARD CAPITAL GROUP

AND

ONLINE USER

MUTUAL CONFIDENTIALITY AGREEMENT

(i) RECITALS

A. Both Parties each possess certain valuable confidential information.

B. Both Parties have agreed to disclose that confidential information to each other.

C. In consideration for mutual disclosure of the information, Both Parties and their respective associates agree to keep confidential the information belonging to Both Parties and to maintain such confidence on the following terms.

OPERATIVE PROVISIONS

1. DEFINITIONS

“Associates ” means, in respect of any party the:

(a) Related Corporation;

(b)Officers, employees, agents, contractors, advisers and representatives; and

(c) Officers, employees, agents, contractors, advisers and representatives of each Related Corporation, of that party.

“Confidential Information” means in respect of both parties as the case may be (the “relevant party”) any confidential financial, business or other information created before, on or after the date of this document, whether in writing or otherwise, in the possession of, or concerning, that party or any Related Corporation of that party, including without limitation such information:

(a) created by either party or any of its Associates;

(b) which has been obtained by or given to either party or any if of its Associates in the course of the Specified Purpose; and

(c) which has been obtained by or given to either party from or by or on behalf of any third party,

but excludes information that is in the public domain at the date of this document, or comes into the public domain after the date of this document other than as a result of breach of an obligation of confidentiality. 

“Related Corporation” in relation to a body corporate means any body corporate that is, under section 50 of the Corporations Act 2001, related to the first body corporate.

“Specified Purpose” means the purpose described in the Schedule to this document.

2. CONFIDENTIAL INFORMATION

2.1 Duty of Confidentiality

Program and Party 1 (the “relevant party’) each documents (on behalf of itself and each of its Associates):

(a) to keep confidential and procure its Associates to keep confidential all Confidential Information of the other;

(b) not to disclose or allow to be disclosed (and procure its Associates not to disclose or allow to be disclosed) any Confidential Information of the other to any person except; 

(i)as required by law;

(ii)with the prior written consent of the other; or

(iii) to those of the relevant party’s Associates who need access to the Confidential Information for the Specified Purpose.

2.2 Use of Confidential Information

Program and Party 1 (the “relevant party”) each agree on behalf of itself and each of its Associates that all Confidential Information of the other in its possession or in the possession of any of the relevant party’s Associates will be used solely for the Specified Purpose .

2.3 Uncertainty

In the event of both parties (the “first party’) or their respective Associates being uncertain as to whether the other party’s (the “second party”) information is Confidential Information, such information is deemed to be Confidential Information of the second party unless the first party is notified by the second party in writing to the contrary.

2.4 Security

Both parties will each:

(a) maintain effective security measures to protect all Confidential Information of the other from unauthorised, use copying or disclosure by its offers, agents, employees and contractors, its Associates, and third parties; and

(b) give the other all reasonable assistance in connection with any action, proceeding or investigation that the other may commence relating to any suspected, expected to actual unauthorised disclosed, unauthorised copying or misuse of the Confidential Information of the other.

2.5 No Reproduction

Both Parties each will not copy or duplicate in any way any of the other’s Confidential Information without the prior written of the other except to the extent reasonably necessary to provide a sufficient number of working copies in undertaking the Specified Purpose.

2.6 Delivery and Destruction

Both Parties will each at the request of the other:

(a) deliver up to the other all of the Confidential Information of the other in its possession or control or in its Associates’ possession or control and all associated material such as copies, notes, alternations and developments; or (at the other’s election)

(b) destroy that Confidential Information so that it cannot in any way be recovered.

2.7 Obligations to Continue

The obligations of both Parties and their respective Associates under this document will continue and will be enforceable at any time in law or in equity by both Parties and their respective Associates.

3. INDENNITY

Either Party (the “relevant party”) agree that it will keep the other and each of the other’s Associates indemnified against any and all losses, damages, liabilities, costs, expenses, claims, remedies, matters or actions (inclusive of all reasonable legal fees and disbursements) as a result of or arising out of any breach of obligations of the relevant party or any of its Associates under this document.

4. MISCELLANEOUS

4.1 Warranty

Each Party warrants that where it undertakes obligations on behalf of its Associates under this document it acts as agent for each of its Associates and has actual authority so to act.

4.2 Associates to Comply

Both Parties will each procure any of its Associates in possession of any of the Confidential Information of the other to comply with its obligations under clause 2 of this document as if the Associate were itself bound by those obligations, except that no Associate will by virtue of Clause 2 have any right to disclose any of the Confidential Information to any of its own Associates except with the other’s prior written consent.

4.3 No Restriction on Dealings with Third parties

Nothing in this document restricts either Party's right to disclose its Confidential Information to third parties for any purpose, nor restricts any other right of each party to deal with third parties for any purpose.

4.4 Severability

If a provision of this document is illegal or unenforceable in any relevant jurisdiction, it may be severed for the purposes of that jurisdiction without affecting the enforceability of the other provisions of this document.

4.5 Amendment

This document may only be varied or replaced by a document executed by or on behalf of the parties.

4.6 Waiver and Exercise of Rights

(a) A single or partial exercise or waiver by a party of a right relating to this document does not prevent any other exercise of that right or the exercise of any other right.

 (b) A party is not liable for any loss, cost or expense of any other party caused or contributed to by the waiver, exercise, attempted exercise, failure to exercise or delay in the exercise of a right.

4.7 Assignment

(a) A party must not assign or deal with any right under this document without the prior consent of the other parties.

(b)Any purported dealing in breach of this clause is of no effect.

4.7 Governing Law and Jurisdiction

(a) This document is governed by and is to be construed in accordance with the laws in force in Victoria.

(b) Each party irrevocably and unconditionally submits to the non-exclusive jurisdiction of the courts of Victoria and any courts that have jurisdiction to hear appeals from any of those courts and waives any right to object to any proceedings being brought in those courts.

Schedule

Item 1 — Description of subject matter of Confidentiality Obligation (Clauses 1); All information regarding the business and activities of both Parties and any associated parties.

Item 2 — Purpose of disclosure (Clauses 1): To facilitate commercial relations

Jurisdiction

This document and any other interaction between yourself and the Standard Capital Group are declared to take place in the State of Victoria in the Commonwealth of Australia.  As such, Standard Capital’s obligations are to the laws of this jurisdiction. It is agreed that any disputes are to be handled in this jurisdiction.

Copyright 2006 Standard Capital Pty Ltd |  Privacy, Security, Terms and Fees Disclosure Document  |  Merchant Disclosure

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