WEBSITE POLICY / TERMS AND CONDITIONS
About This Policy
This website policy applies to the Koala Cash Loans website (Website) and any other website (collectively referred to as Site), which is operated on behalf of Swift Loans Australia Pty Ltd ACN 59 600 167 084 and Australian Credit Licence Number 461533 and its related bodies corporate (we, us and our).
We are committed to protecting your privacy. These policies explain how your personal information will be treated as you access and interact with this Site. Our policy may change from time to time. You should check our website from time to time for our latest policy.
Collection & use of information
We may collect personal information from you directly or via your use of our services. We will only collect personal information that is reasonably necessary for, or directly related to, our functions or activities.
Our service providers or we may collect the following types of Site-related information:
• Information in relation to your web page ‘Http headers’ and home server domain names, IP address, the type of computer you are using, and the type of web browser you are using.
• We also collect information, on what pages visitors to our Site access. This information can be both user-specific or collected in aggregate.
• We receive and store certain types of information, ie ‘cookies’, whenever you interact with our Site.
• The email addresses of visitors that communicate with us via email. To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email or have clicked on the images or links therein.
• To enhance usability and for website behavioural analysis, we collect information related to the way in which you use our website; in particular, whether you complete online forms or, if not, where you drop off as well as your movement around the page.
Information from third parties
Our Site also contains links to the websites of third-party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our Site and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties. Where you access a Third Party website from our Site, cookie information, information about your preferences or other information you have provided about yourself may be shared between the third party and us.
Advertising and tracking
When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as: the server your computer is logged onto; • your browser type; • the date and time of your visit; and the • performance of their marketing efforts. When you access our Site after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our Site (eg which pages you view) and whether you complete an online application. We may use third-party service providers that track your website usage behaviour while on our website for the purposes of providing us with information to determine how better to organise our pages.
Security of information
You understand that any message or information you send using the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted. All content and services on or available through the Site are provided on an ‘as is’ basis and we do not make any representation or give any warranty or guarantee in respect of the Site or its content. You indemnify and will keep us indemnified for any claims or liabilities that you or we may be liable for as a result of your breach of this policy. You agree that by using the Site, you will be solely responsible for ensuring the security of access to the Site by third parties.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require. You may be able to also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. We may view online applications that have been suspended or saved. We may use third-party service providers to analyse the way you fill out our online forms. We will not be liable or responsible for: 1. any failure to perform, or delay in the performance of, any of our obligations under this policy that is caused by any act or event beyond our reasonable control, including failure or suspension of public or private telecommunications networks; 2. the Site not meeting your individual requirements or the Site containing defects or errors, as the Site has not been developed specifically for you. It is your responsibility to ensure that the facilities and functions of the Site meet your requirements; 3. any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your mobile device, data or proprietary material due to your use of the Site; or 4. breaches caused by a third party accessing your Koala Cash Loans account as a result of your failure to ensure the security of access to the Site from your computer or mobile device.
Disclosure to overseas entities
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure. We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, you may opt-out by submitting a request to [email protected] We will respond to your request as soon as practicable.
Trademarks and copyright
All copyright, trademarks (including the registered Swift Loans or Koala Cash Loans trademarks) and all other intellectual property rights in the Site and its content (including without limitation the pages screens, information and material) included in the Site and all software and source codes connected with the Site (“Intellectual Property”) is owned by Swift Loans Australia Pty Ltd or its related companies unless otherwise noted. Any use of the Intellectual Property without Swift Loans Australia Pty Ltd’s express permission is prohibited. This Policy was updated on 12 July 2018.