We recognise the importance of privacy protection. Our policy for dealing with any personal information that you might disclose to us while visiting this website is explained below.

The types of personal information that we collect from you will depend on how you use our website. You can be certain that the information we receive about you will be treated as strictly confidential.

We do not collect or use any personal information on visitors to our website, through the use of "cookies" or other software or hardware techniques.

We look at the number of unique site visitors, hits the website receives and keep track of the domains from which our website is accessed.

To determine what our users are interested in, we may also look at the frequency of search words used in connecting you to this website.

The names of persons who request information from or about us by emailing us are added to our database as members. Each member is given a user name and password.  Members who do not wish to receive emails from our website, can unsubscribe via our website or unsubscribe via received profiled mails, or notify us by email, and we will stop emailing you.

The personal information we collect when you log onto this website, how we do it and what we do with it

If you log onto the website and read or download information our Internet Service Provider/Hosting Provider, will record your server address, domain name, the date and time of your visit to our website, the pages viewed and the information downloaded. This information is used for statistical and website development purposes only.

We can determine the number of times that you have visited our website, the date of last visit, if you have updated your details/interests, and if you have clicked on the hyperlink contained on emails that have been sent to you.  The information collected will be used to send you emails when content relevant to your areas of interest are added to the website.

We can determine if you emailed any articles of interest to a friend using our 'email a friend' functionality, and if your friend has clicked on the hyperlink contained on the email that was sent by you.  We record the email addresses of these recipients which may be used for our own marketing purposes.

The circumstances under which we disclose information about you

It is our policy not to sell or pass on any personal information that you may have provided to us unless we have your express consent to do so.  An exception to this is where we may be required by law to disclose certain information.

How we handle emails

We will preserve the contents of any email message that you send us if we believe that we have a legal requirement to do so.  Emails sent to or from us are routinely monitored for quality control, systems administration and legal compliance purposes.

What to do if you believe the information we hold about you is inaccurate

If you believe that any information that we hold about you is inaccurate or out of date, please contact us and we will review the relevant information.

How to contact us if you wish to discuss this policy

If you wish to discuss any aspect of this policy please contact us by email or telephone.

This website and the articles on our website are not a substitute for independent professional advice. We do not warrant the accuracy, completeness or adequacy of the information or material on this website. All information is subject to change without notice. We and each party providing material displayed on this website disclaim liability to all persons or organisations in relation to any action(s) taken on the basis of currency or accuracy of the information or material, or any loss or damage suffered in connection with that information or material. You should make your own enquiries before entering into any transaction on the basis of the information or material on this website. Please ensure you contact us to discuss your particular circumstances and how the information provided applies to your situation.

Quality of information - always check the information

Before relying on the information on this website, users should carefully evaluate its accuracy, currency, completeness and relevance for their purposes, and should obtain professional advice relevant to their particular circumstances.  We and associated parties can not guarantee nor assume any legal liability or responsibility for the accuracy, currency or completeness of the information or material. 

Self Managed Reminder System

The reminder system provided by us with this website is a Self Managed reminder system. Due to the World Wide Web being an insecure public network, there is a potential risk that a user's reminders are being viewed, intercepted or modified by third parties, files which the user downloads may contain computer viruses or other defects, or that  changes in email addresses and other errors occur.  The reminder service provided by us should be treated as an additional prompt and not as the sole reminder for you to act upon.

We and associated parties accept no liability for any reliance by users on the Self Managed reminder system. Users are encouraged to take appropriate and adequate precautions to ensure that they do not rely on the Self Managed reminder system as their sole or primary source of notification/reminder to act upon.

Links to external websites

This website may contain links to other websites which are external to our website. It is the responsibility of the user to make their own decisions about the accuracy, currency, reliability and correctness of information contained in linked external websites.

Linkage to external websites should not be taken to be an endorsement or a recommendation of any third party products or services offered by virtue of any information, material or content linked from or to this website. Users of links provided by this website are responsible for being aware of which organisation is represented or providing the information or material on the website they visit.
Views or recommendations provided in linked websites do not necessarily reflect our views or recommendations, nor the views or recommendations of associated parties.

Security of our website

Users of our website should be aware that the World Wide Web is an insecure public network that gives rise to a potential risk that a user's transactions are being viewed, intercepted or modified by third parties or that files which the user downloads may contain computer viruses or other defects.

We and associated parties accept no liability for any interference with or damage to a user's computer system, software or data occurring in connection with this website. Users are encouraged to take appropriate and adequate precautions to ensure that whatever is selected from this website is free of viruses or other contamination that may interfere with or damage the user's computer system, software or data.

Notification

Notice of new or updated information or material available via our website may be emailed to our website members.

At James W Mann & Associates we value our client's privacy and are bound by the credit reporting provisions of the Privacy Act and Credit Reporting Code registered under the Privacy Act. In the instances that we allow our services to be provided on credit (that is, you will pay for those services after we start providing them to you), we are acting as a credit provider under the purposes of the Privacy Act.

This Credit Reporting Policy describes how James W Mann & Associates manages credit-related information about individuals only, not corporations. James W Mann & Associates may modify or update this policy from time to time by publishing it on this website. 

James W Mann & Associates handles all personal information (including credit information) in accordance with the Privacy Act and other applicable laws protecting privacy. The details of this are outlined in our Privacy Policy above.

 

Collection of Credit Information

 

Any infomation that we do collect and hold will principally be obtained from you. We will not collect or exchange information with credit reporting bodies and other credit providers unless authorised to do so.

Credit-related information includes your name and contact details, your credit history (including any repayments or late repayments you have made), any credit rating or credit assessment score that we calculate; and details of any credit-related court proceedings or insolvency applications that relate to you.

All credit-related information that we collect or hold about you will be securely stored in accordance with the procedures described below.

 

Disclosure of Credit Information

 

We only disclose your credit-related information to third parties in limited circumstances, as permitted by the Privacy Act, unless otherwise required by law. Your credit-related information may be disclosed to parties that provide credit-related services to us such as debt collectors, credit management agencies and our agents. Your credit-related information may also be disclosed to a third party that is acting as a guarantor in relation to any credit provided to you.

In cases of payment default, your credit-related information may be disclosed to credit reporting bodies. Should such a disclosure be necessary, we will provide at least 14 days notice of our intention.

We may disclose your credit-related information in other circumstances, for example; in relation to any access or correction requests that you make to us; in relation any complaint that you make; as required by law or the order of a court or tribunal and where you otherwise expressly consent to the use or disclosure.

 

Access and Corrections

 

Any credit-realted information that we hold about you is available at your request. If a request for correction of any credit-related information that we hold about you is made, we will endeavour to respond within 21 days (or longer as agreed). Corrections will be made if we are satisfied that the credit-related information that we hold about you is inaccurate, out-of-date, incomplete, irrelevant or misleading. We will take reasonable steps to notify you of any corrections of credit-related information that we hold about you if a corrections request has not been already submitted by you.

 

Complaints

 

If we fail to comply with Part IIIA of the Privacy Act, or the Credit Reporting Code, you may make a complaint. If this complaint relates to our failure to provide access to or to correct any credit-related information that we hold about you, you may lodge a complaint directly with the Office of the Australian Information Commissioner. For more information, please see www.oaic.gov.au. If your complaint does not relate to access or correction, you must first lodge a complaint with us. 

You can lodge a complaint by contacting Nicola by email at office@jwmann.com.au or by phone on (03) 9314 6011.