Privacy Policy

This statement sets out the policy of Tomorrow Finance Group Pty Ltd ABN 81 141 534 269 ("Tomorrow‟, "we‟, "us‟ or "our‟) relating to the privacy and security of your personal information and the personal information provided by you via this website. It discloses our practices for collecting, using and disclosing personal information.

We take seriously our responsibility for protecting your privacy and the confidentiality of your personal information.

As part of our business we are committed to providing a number of services to our customers. To provide these services it is necessary for us to collect, store and use personal information.

We will only deal with personal information in the ways described in this policy.

We collect most personal information from customers directly.

The type of information we collect will generally include names and may include: contact details; date of birth; income and financial details; employment details; credit record and transaction history.

We do not generally collect information that is "sensitive personal information‟ as defined by the Privacy Act 1988 (Cth). We do not disclose sensitive personal information to third parties without the specific permission or at the instruction of the individual concerned.

Information collected from you will be used for the provision and offering of our services.

When information is sourced from third parties, wherever possible this will be done with your authorisation. Where this is not possible we will tell you when such information is collected.

Personal information is treated as confidential by us and is used by us for the purpose for which it was collected or for a related purpose. Related purposes may include:

• our own market analysis and product development;
• informing customers about new products or services;and
• detecting and preventing fraud and other criminal activity.

We will use personal information we collect from you for direct marketing of our own products or products that are available through us. You can opt out of our direct marketing by notifying us.

Because we respect your right to privacy, we do not sell or rent the information gathered from you from our website.

If you provide us with your email address, we will record your email address, but will only use it for the purpose for which it was provided. It will not be disclosed without your consent.

Except where required by law, we only disclose personal information to third parties with your express or implied consent. We do not disclose names and addresses to third parties for their own use and in particular we do not disclose names and addresses to third parties for their direct marketing.

Your consent may be express or implied. We obtain express consent from you in writing or electronically. Implied consent includes consent by using the services on our website.

If our business is outsourced to third party contractors, such as mailing houses and information technology professionals, we will ensure that these parties are bound by confidentiality and non-disclosure agreements. Information provided to these parties remains our property and is only used for the specific purpose for which it is supplied and on completion it is returned to us. Information provided to contractors must be returned us and the contractor must agree to destroy any copies they have made.

We collect information which identifies, for each page accessed on our website, the network identity of the machine which has accessed it. We retain this usage information for the purposes of usage analysis to help us improve our services, to help diagnose problems with our server, and to administer our website. Access to and use of this information is restricted to authorised staff and our site administrators. No attempt will be made to identify users or their browsing activities, nor will we disclose information which might identify individual machines.

Tomorrow uses cookies. Cookies are pieces of information a website can transfer to an individual's computer hard drive for record keeping. Cookies can make websites easier to use by storing information about your preferences on a particular site. When you revisit a site, it accesses the cookies it sent you earlier. A cookie can only store information that you provide.

We have a duty to keep confidential all personal information we hold about you.

We will only disclose personal information to third parties where it is required by law, authorised by law, or with your consent.

We will take all reasonable precautions to protect your personal information from loss, unauthorised access, modification and unauthorised disclosure.

Electronic data stored on our computers is protected by computer and network security products, including firewalls, encryption, virus software, as well as user identities and passwords.

Our website has security measures in place to protect the loss, misuse and alteration of the information under our control. Any access to and use of information is restricted to authorised staff and the site administrators. We attempt to provide a secure and reliable online environment. However, you should be aware that there are inherent risks associated with the transmission of information via the internet. Alternative ways of obtaining or providing information are available if you wish to avoid any risk.

You may request access to the personal information we hold about you. We will provide you with such access wherever possible and within reasonable time. Before doing so, we will verify your bona fides and ensure that we are dealing with the relevant person.

We rely on the accuracy of the information provided to us by you. You can contact us and ask us to change information we hold about you.

This information relates to our current privacy policy. We may vary this policy from time to time. Changes to our policy will be published on our website.

All complaints or enquiries relating to privacy will be referred to our privacy officer. We will respond to such complaints and enquiries within 2 working days, wherever possible. At the time of response the person making the complaint or enquiry will be told the name of the person at Tomorrow who will be responsible for investigating the matter. Where a matter is not resolved within 10 working days, the privacy officer will contact the person making the complaint or enquiry and inform them as to its progress and status and when we expect the matter to be resolved.

This site contains links to other sites. Tomorrow is not responsible for the privacy practices or the content of other websites. When you access such other sites you must comply with their privacy policy.

If you wish to access your personal information, or have any issues about this privacy policy, the practices of this website, or your dealings with this website (including a complaint), you can contact Tomorrow at contact details found here.