LEGAL

Privacy Policy

12th August 2016

Clover.com.au is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy & Security Policy explains how we protect personal information provided through Clover.com.au and its Service (the “Service”) via http://clover.com.au “Personal information” for purposes of this Policy means any information that identifies you, such as your name, address, phone number, or email address.

Clover.com.au stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges. We strive to maintain security protocols based on industry best-practice standards.

WE LIMIT THE COLLECTION AND USE OF PERSONAL INFORMATION

Certain areas and features of Clover.com.au are available to you without registration or the need to provide to us any information. However, other features of the Site or the Service may require registration, which may involve providing some or all of the following: your email address, password, name, date of birth, gender, bank account details, investment information and employment status (collectively the “Registration Information”). The registration information will be within the on-boarding process.

In order to benefit from the full functionality of the Service, you may also be asked to provide third-party account credentials (“Account Credentials”) to allow Clover.com.au to access your account data at those other financial institutions (“Account Information”) for your use.

From time to time we may request other personal information to provide you with other benefits of the Service. In all such instances, you will be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. Clover.com.au may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:

  • advertisers and other third parties for their marketing and promotional purposes;
  • organisations approved by Clover.com.au that conduct research into consumer savings;
  • publish, communicate, reproduce or otherwise broadcast our analysis, statistics or research of user data to the public; and
  • users of the Service for purposes of comparison of their personal financial situation relative to the broader community.

Such information does not identify you individually and will remain anonymous. Access to your Registration Information, Account Credentials, Account Information and any other personal information you provide is strictly restricted and used in accordance with specific internal procedures and safeguard governing access in order to operate, develop or improve the Service.

We may also use third party vendors or service providers to help us provide the Service to you, such as sending email messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they’re providing. We require such third parties to maintain the confidentiality of the information we provide them.

CHANGES TO YOUR REGISTRATION INFORMATION

If your Registration Information changes during your subscription to Clover.com.au, you may update it any time via the Service.

ONLINE SESSION INFORMATION AND USE IS ONLY USED TO IMPROVE YOUR EXPERIENCE

When you visit Clover.com.au we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analysed to improve our Web design and functionality.

“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Clover.com.au may set and access cookies on your computer to track and store preferential information about you. Clover.com.au may gather information about you through cookie technology. For example, Clover.com.au may assign a cookie to you to limit the amount of times you see a particular Clover.com.au Offer or to help better determine which Clover.com.au Offers to send to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Web beacons are images embedded in a Web page or email for the purpose of measuring and analysing site usage and activity. Clover.com.au, or third party service providers acting on our behalf, may use Web beacons to help us analyse Site usage and improve the Service.

We may use third party service providers to help us analyse certain online activities. For example, these service providers may help us measure the performance of our online campaigns or analyse visitor activity on Clover.com.au. We may permit these service providers to use cookies and other technologies to perform these services for Clover.com.au. We do not share any personal information about our customers with these third party service providers, and these service providers do not collect such information on our behalf. Our third party service providers are required to comply fully with this Privacy and Security Policy.

CONTESTS, GIVEAWAYS AND SURVEYS

From time to time, Clover.com.au may offer you the opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy and Security Policy, except as specifically set forth in the rules for those contests, giveaways or promotions. From time to time, Clover.com.au may also ask you to participate in surveys designed to help Clover.com.au improve the Site. Any personal information provided to Clover.com.au in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Policy.

DISCLOSURE OF YOUR INFORMATION TO PROTECT OUR RIGHTS OR IF REQUIRED BY LAW

Notwithstanding the foregoing, Clover.com.au reserves the right (and you authorise Clover.com.au) to share or disclose your personal information when Clover.com.au determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:

  • when required by any applicable law, rule regulation, subpoena or other legal process; or
  • to prevent prohibited or illegal activities; or
  • to enforce our rights against you or in connection with a breach by you of this Privacy and Security Policy or the Clover.com.au Terms of Use.
YOUR DATA MAY BE TRANFERRED UPON CHANGE OF CONTROL BY ONLY IN ACCORDANCE WITH THIS POLICY

Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganisation or other change of control. If we sell, merge or transfer any part of our business, part of the sale may include your personal information. If so, you will be asked if you’d like to continue receiving promotional information following any change of control.

EMAIL COMMUNICATIONS FROM US

Clover.com.au subscribers have the ability to opt-out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts.

YOUR DATA IS SECURE

We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Clover.com.au accounts and systems from unauthorised access.

When you register for the Service, Clover.com.au requires a password from you for your privacy and security. Clover.com.au transmits information such as your Registration Information for Clover.com.au or Account Credentials securely. It is however important to understand that these precautions apply only to our Site and systems. We exercise no control over how your information is stored, maintained or displayed by third parties or on third-party sites.

OUR SERVICE ENSURES SECURE COMMUNICATION WITH ENCRYPTION

From the time you submit your Login ID and Password, these communications between your computer and Clover.com.au are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. You are responsible for maintaining the confidentiality of your Login ID and Password

We maintain strict rules to help prevent others from guessing your password. We also recommend that you change your password periodically. Your password must be at least 8 characters in length. You are responsible for maintaining the security of your Login ID and Password. You may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at hello@clover.com.au, but in any event you should change your password immediately via the Service. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the Clover.com.au Terms of Use.

If you have a security related concern, please contact us at hello@clover.com.au. We will work closely with you to ensure a rapid and personal response to your concerns.

WE POST UPDATES ON OUR WEBSITE WHENEVER THERE IS A CHANGE TO THIS POLICY

We update this Privacy & Security Policy periodically. The date last revised appears at the top of the Policy. Changes take effect immediately upon posting.

CONTACT US IF YOU HAVE ANY QUESTIONS OR CONCERNS

If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an email to hello@clover.com.au.Clover.com.au is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy & Security Policy explains how we protect personal information provided through Clover.com.au and its Service (the “Service”) via https://www.clover.com.au.

“Personal information” for purposes of this Policy means any information that identifies you, such as your name, address, phone number, or email address.

Clover.com.au stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges. We strive to maintain security protocols based on industry best-practice standards.

WE LIMIT THE COLLECTION AND USE OF PERSONAL INFORMATION

Certain areas and features of Clover.com.au are available to you without registration or the need to provide to us any information. However, other features of the Site or the Service may require registration, which may involve providing some or all of the following: your email address, password, name, date of birth, gender, bank account details, investment information and employment status (collectively the “Registration Information”). The registration information will be within the on-boarding process.

In order to benefit from the full functionality of the Service, you may also be asked to provide third-party account credentials (“Account Credentials”) to allow Clover.com.au to access your account data at those other financial institutions (“Account Information”) for your use.

From time to time we may request other personal information to provide you with other benefits of the Service. In all such instances, you will be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. Clover.com.au may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:

  • advertisers and other third parties for their marketing and promotional purposes;
  • organisations approved by Clover.com.au that conduct research into consumer savings;
  • publish, communicate, reproduce or otherwise broadcast our analysis, statistics or research of user data to the public; and
  • users of the Service for purposes of comparison of their personal financial situation relative to the broader community. Such information does not identify you individually and will remain anonymous. Access to your Registration Information, Account Credentials, Account Information and any other personal information you provide is strictly restricted and used in accordance with specific internal procedures and safeguard governing access in order to operate, develop or improve the Service. We may also use third party vendors or service providers to help us provide the Service to you, such as sending email messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they’re providing. We require such third parties to maintain the confidentiality of the information we provide them.
CHANGES TO YOUR REGISTRATION INFORMATION

If your Registration Information changes during your subscription to Clover.com.au, you may update it any time via the Service.

ONLINE SESSION INFORMATION AND USE IS ONLY USED TO IMPROVE YOUR EXPERIENCE

When you visit Clover.com.au we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analysed to improve our Web design and functionality.

“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Clover.com.au may set and access cookies on your computer to track and store preferential information about you. Clover.com.au may gather information about you through cookie technology. For example, Clover.com.au may assign a cookie to you to limit the amount of times you see a particular Clover.com.au Offer or to help better determine which Clover.com.au Offers to send to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Web beacons are images embedded in a Web page or email for the purpose of measuring and analysing site usage and activity. Clover.com.au, or third party service providers acting on our behalf, may use Web beacons to help us analyse Site usage and improve the Service.

We may use third party service providers to help us analyse certain online activities. For example, these service providers may help us measure the performance of our online campaigns or analyse visitor activity on Clover.com.au. We may permit these service providers to use cookies and other technologies to perform these services for Clover.com.au. We do not share any personal information about our customers with these third party service providers, and these service providers do not collect such information on our behalf. Our third party service providers are required to comply fully with this Privacy and Security Policy.

CONTESTS, GIVEAWAYS AND SURVEYS

From time to time, Clover.com.au may offer you the opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy and Security Policy, except as specifically set forth in the rules for those contests, giveaways or promotions. From time to time, Clover.com.au may also ask you to participate in surveys designed to help Clover.com.au improve the Site. Any personal information provided to Clover.com.au in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Policy.

DISCLOSURE OF YOUR INFORMATION TO PROTECT OUR RIGHTS OR IF REQUIRED BY LAW

Notwithstanding the foregoing, Clover.com.au reserves the right (and you authorise Clover.com.au) to share or disclose your personal information when Clover.com.au determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:

  • when required by any applicable law, rule regulation, subpoena or other legal process; or
  • to prevent prohibited or illegal activities; or
  • to enforce our rights against you or in connection with a breach by you of this Privacy and Security Policy or the Clover.com.au Terms of Use.
YOUR DATA MAY BE TRANFERRED UPON CHANGE OF CONTROL BY ONLY IN ACCORDANCE WITH THIS POLICY

Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganisation or other change of control. If we sell, merge or transfer any part of our business, part of the sale may include your personal information. If so, you will be asked if you’d like to continue receiving promotional information following any change of control.

EMAIL COMMUNICATIONS FROM US

Clover.com.au subscribers have the ability to opt-out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts.

YOUR DATA IS SECURE

We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Clover.com.au accounts and systems from unauthorised access.

When you register for the Service, Clover.com.au requires a password from you for your privacy and security. Clover.com.au transmits information such as your Registration Information for Clover.com.au or Account Credentials securely. It is however important to understand that these precautions apply only to our Site and systems. We exercise no control over how your information is stored, maintained or displayed by third parties or on third-party sites.

OUR SERVICE ENSURES SECURE COMMUNICATION WITH ENCRYPTION

From the time you submit your Login ID and Password, these communications between your computer and Clover.com.au are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. You are responsible for maintaining the confidentiality of your Login ID and Password

We maintain strict rules to help prevent others from guessing your password. We also recommend that you change your password periodically. Your password must be at least 8 characters in length. You are responsible for maintaining the security of your Login ID and Password. You may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at hello@clover.com.au, but in any event you should change your password immediately via the Service. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the Clover.com.au Terms of Use.

If you have a security related concern, please contact us at hello@clover.com.au. We will work closely with you to ensure a rapid and personal response to your concerns.

WE POST UPDATES ON OUR WEBSITE WHENEVER THERE IS A CHANGE TO THIS POLICY

We update this Privacy & Security Policy periodically. The date last revised appears at the top of the Policy. Changes take effect immediately upon posting.

CONTACT US IF YOU HAVE ANY QUESTIONS OR CONCERNS

If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an email to hello@clover.com.au.