FINBLOC PTY LTD – PRIVACY POLICY
FinBloc Pty Ltd (ACN 698 043 006 (we, us or our) is committed to protecting your privacy. This policy explains how we collect, use and protect your personal information. It applies to all personal information we handle, whether we collect it through our website, in person, or through other means.
Quick overview
We collect information you provide to us and information we gather when we interact with you
We use this information to provide our services and improve your experience
We protect your information using secure systems and processes
You have rights regarding your personal information, including access and correction rights
Information we collect
Identity and contact details
Name, email address and phone number
Professional details
Business information
Company name
Annual turnover
Banking services preferences and requirements
Service related information
Feedback and survey responses
Digital information
IP address and general location information derived from your IP address
Search and browsing behaviour
Website usage patterns
Cookie preferences
How we collect personal information
Directly from you when you: interact with us, contact us, fill out forms.
Automatically when you: visit our website, interact with our platform.
From publicly available sources: such as ASIC and other regulatory bodies when we verify company information.
Why we collect, hold, use and disclose personal information
We collect and use your personal information to run our business and provide our services as set out below.
Business operations
To provide our services to you
To facilitate your participation in our cohort
To verify your company details
To analyse collective banking needs and preferences across the cohort
To prepare tender documents for banks
To manage the collective bargaining process
To provide updates on cohort progress
To maintain the security and functionality of our website
Communication and support
To respond to your questions and support requests
To provide updates about your cohort's progress
To communicate outcomes of the tender process
Service improvement
To conduct analytics and market research
To improve our business operations and services
To develop and enhance our applications and platforms
To understand how our services are used
Service communications
To inform you about future cohorts you may wish to participate in
To notify you about expansion of our services to other industries or sectors
To provide updates about our platform and services
Legal and compliance
To comply with our legal obligations
To respond to court orders or legal processes
To maintain required business records
To fulfill regulatory requirements or reporting obligations
To protect our legal rights and interests or as authorised by law
Our disclosures of personal information to third parties
We may disclose personal information to:
Service providers
IT service providers including cloud storage providers
Data storage providers
Web hosting and server providers
Financial institutions
Banks participating in or winning our tender process (only for cohort members who choose to proceed with the winning bank)
Professional advisers
Bankers
Auditors
Insurers and insurance brokers
Legal advisers
Business partners
Our existing or potential agents
Our business partners or contractors
Corporate transactions
If we merge with or are acquired by another company, or sell our business assets:
Your information may be disclosed to our advisers
Your information may be disclosed to the potential purchaser's advisers
Your information may be included in the transferred assets
Legal and regulatory bodies
Courts and tribunals
Regulatory authorities including as required for reporting obligations
Law enforcement officers
Other parties
Third parties you have authorised
Emergency services when necessary
Any other parties as required or permitted by law
Overseas disclosure
Storage and access
We store your personal information in Australia. However, your information may be accessed from or transferred to locations outside Australia in these circumstances:
When our service providers are located overseas
When we work with overseas business partners
When using cloud-based services or data storage solutions
Our approach to overseas disclosure
Before disclosing your personal information overseas, we take reasonable steps to ensure that the recipient treats your information in accordance with applicable law by only sending what is necessary, requiring recipients to protect your information through contractual agreements which require the recipient to comply with the privacy standards in applicable law or through other mechanisms that provide comparable safeguards and by monitoring how recipients handle your information.
Your privacy rights and choices
Providing information
You can choose whether to provide personal information to us, however, if you don't provide certain information, we may not be able to provide some services. Let us know if you don’t want to provide information and we will let you know when information is required versus optional.
Access to your information
You can request access to the personal information we hold about you and we will respond to your request within a reasonable time. We may charge a reasonable administrative fee for providing access and if we cannot provide access, we will explain why and explore alternative ways to share relevant information.
Correction rights
You can ask us to correct any information that is inaccurate, out of date, incomplete, irrelevant or misleading and we will take reasonable steps to correct your information promptly. If we cannot make the correction, we will explain why and discuss alternatives. You can ask us to add a statement to your information noting your requested correction.
Marketing communications
You can opt out of receiving service-related communications about future cohorts or service expansions at any time. Each communication will include an unsubscribe option. You can change your preferences by contacting us. We will process your request as soon as practicable.
Note: You cannot opt out of essential communications related to a cohort you are actively participating in.
How to contact us about your rights or to make a complaint and what happens next
Step 1: Contact our privacy officer
Email: [insert privacy contact email]
Phone: [insert phone number]
Post: [insert full postal address]
What to include:
Your full name, contact details, clear details about your request or complaint, and any relevant dates or reference numbers.
Step 2: Our response
We will:
Verify your identity before processing your request
Investigate thoroughly (for complaints) or process your request (for rights)
Respond to you in writing within reasonable timeframes and as required by law
Explain what actions we will take and keep you updated on progress
Not charge you for making a request (except for reasonable access fees if applicable)
Help you understand and exercise your rights
Step 3: If you're not satisfied (complaints only)
If you're not satisfied with our response to your complaint, you can:
Ask for a review by our senior management, or
Contact external bodies:
Australian residents: Office of the Australian Information Commissioner (Phone: 1300 363 992, Website: www.oaic.gov.au)
This is the same process whether you want to access your information, correct mistakes, change marketing preferences, or make a complaint about our privacy practices.
Protecting your information
We use multiple layers of security to protect your information.
Technical safeguards
Enterprise-grade encryption for data storage and transmission
Regular security testing and monitoring
Automated threat detection systems
Operational security
Staff training on security and privacy
Strict access controls based on job requirements
Regular security audits and incident response procedures testing
Public information
Please note that any information you choose to share publicly on online platforms (such as comments or reviews) can be accessed and used by others. We cannot control or protect information that you make publicly available.
How long we keep your information
We keep your personal information only as long as we need it for the purposes we collected it, or as required by law. When we no longer need it, we securely destroy or de-identify it.
Cookies and Analytics
What We Use
We use cookies, tracking pixels and similar technologies on our website and in our emails to improve your experience and our services.
Cookies
Small text files stored on your device
Help remember your preferences
Enable certain website functions
Make your interactions with our website more efficient
Tracking Pixels
Tiny, invisible images in web pages and emails
Help us understand how you interact with our content
Allow us to measure email engagement
Enable more relevant content delivery
How we use these technologies
Essential Functions
Remember your login status
Maintain your session security
Store your preferences
Enable core website features
Maintain website security and prevent fraud
Protect against malicious activity
Analytics and Performance
Understand how our website is used
Measure page views and traffic
Analyse user navigation patterns
Identify areas for improvement
Your control
You can manage these technologies by:
Adjusting your browser settings to block or delete cookies
Using privacy-focused browser extensions
Configuring your email client to block images
Note: Blocking all cookies may affect website functionality and your user experience.
Google Analytics
We use Google Analytics to understand how people use our website. This involves cookies that collect information about your browsing activity. You can opt out of Google's advertising features through your Google account settings, browser add-ons, or your device's privacy settings. Google provides various tools and options to control how your data is used for advertising purposes. You can learn more about how Google uses your data and your available options on Google's privacy pages.
When you sign in with another account (like Facebook or Google)
What we collect
When you use single sign-on to connect with us, we'll receive personal information from that provider based on your privacy settings with them. This may include your name, username, profile picture, and other details you've chosen to share.
How we use it
We use this information to create your profile on our platform and give you access to our services.
Your rights
If you connected through Facebook, you can ask us to delete the personal information we received from Facebook. To do this, email us at our email below and tell us what information you'd like deleted. If we can't delete certain information, we'll explain why.
Artificial Intelligence (AI) Technologies
Overview
We use artificial intelligence and machine learning technologies in our business operations and services, including AI tools provided by third parties. We only use these technologies when legally permitted and necessary for our business.
How we use AI
We may use AI technologies to:
Analyse collective banking needs and preferences across cohort members
Categorise and group similar requirements
Generate summary data for tender preparation
Data protection and security
When we work with third-party AI providers, we ensure they handle your personal information in accordance with privacy laws through contractual requirements and appropriate safeguards.
Your rights and our commitments
Any information generated or inferred about you by AI technologies is treated as personal information, and you maintain all the rights outlined in this privacy policy. When using AI with your personal information, we commit to:
Transparency and control
We'll inform you when AI is used to make decisions that may significantly affect you
We maintain human oversight and review of significant AI-generated decisions
Our staff are trained to understand AI limitations and verify outputs before relying on them
We implement processes to verify the accuracy of AI-generated outputs
Security
We use appropriate technical and organisational measures to maintain the security and integrity of your personal information
We regularly test and monitor AI outputs for accuracy and reliability
Risk mitigation
We regularly assess and document risks associated with using AI to process personal information
We implement appropriate measures to address these risks
We continuously monitor AI performance and regularly review their impact
Amendments
We may update this policy at any time by posting the revised version on our website. We recommend that you review our website regularly to stay current with any policy changes.
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