This is the web site of Reversebay.com.au, Australian Registered Trading Name, published through the domain:
http://www.reversebay.com.au

Data Collection
ReverseBay.com.au undertakes to collect Your Data by means that are:
• fair;
• legal; and
• transparent.

If you visit ReverseBay.com.au’s web-site, your web-browser automatically discloses, and ReverseBay.com.au’s web-server automatically logs, the following information: the date and time, the IP address from which you issued the request, the type of browser and operating system you are using, the URL of any page that referred you to the page, the URL you requested, and whether your request was successful. This data may or may not be sufficient to identify you. Any additional data that you provide, e.g. in a web-form, may also be logged. This data may or may not be sufficient to identify you. Any additional data that your web-browser automatically provides may also be logged. This will be the case, for example, if your browser has previously been requested to store data on your computer in 'cookies' and submits them each time you request a web-page within a particular domain (such as reversebay.com.au). This data may or may not be sufficient to identify you.
If you disclose personal data to ReverseBay.com.au in conjunction with an identifier such as your name or your credit-card details, ReverseBay.com.au will collect Your Data. Moreover, any data that becomes available to ReverseBay.com.au through any of the means described in the preceding paragraphs may be able to be associated with that identifier, and hence become Your Data.
Subject to the qualifications immediately below, ReverseBay.com.au undertakes to collect Your Data from you and not from other parties. This undertaking is qualified as follows:
• Where ReverseBay.com.au reasonably considers that the protection of its financial interests requires that it gather Your Data from other sources, or from additional sources. This applies in particular where ReverseBay.com.au has a lending exposure to you, and seeks information about your creditworthiness;
• Where ReverseBay.com.au reasonably considers that its capability to deliver quality services to you will be materially enhanced by gathering Your Data from other sources. This applies in particular to consumer profile data.

Data Security
ReverseBay.com.au undertakes to store Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity.
ReverseBay.com.au undertakes to store Your Data only in jurisdictions where data protections are at least equivalent to those required under the OECD Guidelines.
ReverseBay.com.au undertakes to transmit Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity.
ReverseBay.com.au undertakes to implement appropriate measures to ensure security of Your Data against inappropriate behaviour by ReverseBay.com.au’s staff-members and contractors. These include:
• Training for staff in relation to privacy;
• Access control, to limit access to Your Data to those staff and contractors who have legitimate reasons to access it;
• Particularly in the case of sensitive data, audit trails of accesses, including the identities of staff and contractors accessing the data;
• Reminders to staff and contractors from time to time about the importance of data privacy, and the consequences of inappropriate behaviour;
• Declaration of appropriately strong sanctions that are to be applied in the event of inappropriate behaviour
• Clear communication of policies and sanctions; and
• Processes to audit, to investigate and to impose sanctions.

Data Use
Use refers to the application of Your Data by any part of ReverseBay.com.au, or any staff-member or contractor of ReverseBay.com.au in the course of their work.
ReverseBay.com.au undertakes to use Your Data only for:
• The purposes for which it was collected;
• Such other purposes as are subsequently agreed between ReverseBay.com.au and You;
• Such additional purposes as may be required by law. In these circumstances, ReverseBay.com.au will take any reasonable steps available to it to communicate to You that the use has occurred, unless it is precluded from doing so by law; and
• Such additional purposes as are authorised by law (in particular to protect ReverseBay.com.au’s interests, e.g. if it believes on reasonable grounds that You have failed to fulfil your undertakings to ReverseBay.com.au or have committed a breach of the criminal law).
ReverseBay.com.au undertakes to use Your Data only if it has demonstrable relevance to the particular use to which it is being put.
ReverseBay.com.au undertakes to use Your Data in such a manner as to take into account the possibility that it is not of sufficient quality for the purpose, e.g. because it is inaccurate, out-of-date, incomplete, or out-of-context.

Data Disclosure
Disclosure refers to making Your Data available to any party other than ReverseBay.com.au and You. The term disclosure may include many different conditions of data transfer, including selling, renting, trading, sharing and giving.
ReverseBay.com.au undertakes to disclose Your Data only under the following circumstances:
• In the course of business being conducted between You and ReverseBay.com.au, where disclosure is necessary to a contractor, such as a transport company. Where Your Data is disclosed in this way, ReverseBay.com.au undertakes to exercise control over ReverseBay.com.au’s contractors to ensure that their actions are compliant with these Terms;
• In other circumstances that are directly implied by the purpose agreed between You and ReverseBay.com.au at the time of data collection or subsequently. Where Your Data is disclosed in this way, ReverseBay.com.au undertakes to exercise control over ReverseBay.com.au’s contractors to ensure that their actions are compliant with these Terms;
• With your consent, or at your request;
• Where required by law, such as a provision of a statute, or a court order such as a search warrant or sub poena. In these circumstances, ReverseBay.com.au will take any reasonable steps available to it to communicate to You that the disclosure has occurred, unless it is precluded from doing so by law;
• Where permitted by law (e.g. the reporting of suspected breach of the criminal law to a law enforcement agency; and in an emergency, where ReverseBay.com.au believes on reasonable grounds that the disclosure of Your Data will materially assist in the protection of the life of health of some person), provided that ReverseBay.com.au will apply due diligence to ensure that the exercise of the permission is justifiable.
In all cases, ReverseBay.com.au undertakes to disclose only such of Your Data as is necessary in the particular circumstances.
Handling of Enquiries, General Concerns and Complaints
If you have enquiries, general concerns, or complaints about these Terms, or about ReverseBay.com.au's behaviour in relation to these Terms, you undertake:
• to communicate them in the first instance:
o to ReverseBay.com.au only;
o in sufficient detail; through a channel made available by ReverseBay.com.au for that purpose;
ReverseBay.com.au undertakes:
• to provide one or more channels for communications to ReverseBay.com.au, which are convenient to users;
• to promptly provide acknowledgement of the receipt of communications, including the provision of a copy of the communication, the date and time it was registered, and ReverseBay.com.au’s reference-code for the communication;
• to promptly provide a response to the communication, in an appropriate and meaningful manner.
You further undertake to not pursue ReversBay.com.au through any Regulator or the media:
• until and unless ReverseBay.com.au has had a reasonable opportunity to respond to the initial communication; and;
• while ReverseBay.com.au and you remain are conducting a meaningful dialogue about the matter.

Changes to These Privacy Undertakings
ReverseBay.com.au undertakes:
Not to materially change these Terms in a manner that reduces the protections for Your Data;
To take all possible steps to prevent any company that acquires this company or any of its relevant assets from materially changing the Terms applicable to Your Data in a manner that reduces the protections for Your Data;
where it is considering making changes to these Terms, or creating more specific Terms relating to specific services, to consult with appropriate representative and advocacy organisations;
where it makes changes to these Terms, to ensure that the differences between successive versions are readily accessible;
to maintain all prior versions of these Terms in such a manner that they are dated, and readily accessible.