This Privacy Policy describes how Money Saving Master Pty Ltd (“Money Saving Master”, “We”, “Us” or “Our”) collects and handles information about you through the Site www.moneysavingmaster.com.au (the “Site”).

By accessing, browsing, or using this Site, you acknowledge that you have read, understood and have accepted the practices described in this Privacy Policy. In particular, you consent to the handling of your Personal Information in accordance with the practices described in this Privacy Policy. Please read this Privacy Policy carefully and be aware that We may change it at any time. This Privacy Policy was last revised on 01 May 2009.

Money Saving Master  abides by the National Privacy Principles ("NPPs") under the Privacy Act 1988 (Cth) and has adopted a Privacy Policy which sets out in more detail the way in which We handle Personal Information.

Information Collected

In order to provide you with Our services and information on various money saving tips, We need to collect and retain some personal information (“Personal Information”). We consider all information about you to be private and confidential, and hold ourselves to the highest standards in the safekeeping and use of this information. Personal Information is collected in the following two ways:

1. Email Newsletter: When you subscribe to receive email newsletters (e-newsletters), We may collect your name, newsletter format preference (text/html) and email address only.
2. Forum: When you enter into a public area of the Site such as a Forum to post information, review or feedback, We may collect your name, email address and gender.

Cookies

Some of web pages of this Site may utilise "cookies" and other tracking technologies. Our web server collects information such as addresses of the web sites that visitors came from before visiting our Site, which browser was used to view our Site, date and time of visit, the pages accessed and documents downloaded, visitor’s server’s IP address, and search terms entered on our Site.

This is an anonymous statistical data and no attempt will be made to identify users. Money Saving Master uses this information to evaluate its Site performance and to continually improve its services.

Newsletters and Surveys

If you receive the html-formatted version of the e-newsletter, your opening of the email containing the newsletter is notified to Money Saving Master and saved. Your clicks on links in the newsletter and in the companion websites are also saved. These and the statistics generated are used in aggregate form to give Money Saving Master an indication of the popularity of the content and to help Money Saving Master to make decisions about future content and formatting.

This Site and issues of the Money Saving Master email newsletter may contain a survey. Participation in such surveys is voluntary. Individual responses are saved and used to prevent multiple responses by any individual. Users shall be able to view aggregate responses or votes.

Disclosure of Information

Money Saving Master may share any information you submit on or to the Site when it has your consent to do so.

Money Saving Master aggregates non-personally identifiable information and may disclose such aggregated information to third parties for marketing and promotional purposes. However, in these situations, it does not disclose to these entities any information that could be used to identify you.

Money Saving Master DOES NOT sell, rent, or lease personally identifiable information to others. Notwithstanding the above policies, We reserve the right to disclose your Personal Information to appropriate third parties if We are required to do so by law or We believe that such action is necessary: to comply with legal process such as a search warrant or court order; to protect against misuse or unauthorised use of Our Site.

Money Saving Master may also share or disclose information, where necessary, to legal and other professional advisers, Money Saving Master's related companies and other business support providers, including document storage, printing and collating companies.

Links to third party web-sites

This Site contains links to external third party websites. The privacy policy or statements at the third party websites may be different from this Privacy Policy. Money Saving Master recommends that you review these statements before using third party websites. These third party or affiliate links may contain cookies that are used by third parties or affiliates to collect statistics on the number of unique web visitors viewing their respective specific websites.

Please note that third party or affiliate websites/ links and their use of cookies are not covered by Money Saving Master's Privacy Policy and are not subject to Money Saving Master's privacy standards.

Message/Bulletin Boards, Blogs, and Forums

Please be aware that whenever you voluntarily post public information to Message Boards, Blogs, and Forums that the information can be assessed by the public and used by those people to send you unsolicited messages. We shall not be held liable or responsible for any adverse claims thereto.

Security of Information

Money Saving Master places a high priority on the security of visitor and user information. It maintains the Site and all associated data with technical, administrative, and physical safe-guards to protect against loss, unauthorised access, destruction, misuse, modifications, and improper disclosure. The information you enter on the Site is stored securely by Money Saving Master on its data servers however, no computer system or information can ever be fully protected against every possible hazard.

Money Saving Master is committed to providing reasonable and appropriate security controls to protect this Site and its information against foreseeable hazards. You are responsible for restricting unauthorised access to your computer or to your username or password which are used to access the Forum. Please note that with current technology, We cannot guarantee the security of your data as it travels over the Internet.

Access to certain areas of the Money Saving Master Forum is password protected. We take full precautions to ensure that login information is kept private. We restrict access to such information to those employees who need to access to perform their job functions, such as our customer service personnel and technical staff. However we cannot guarantee the security of login information. Unauthorised entry or use, hardware or software failure, and other factors may compromise the security of such information at any time.

Calculators Available on Money Saving Master

Calculators provided on this Site are free to use and require only the minimum of User data to provide a result. We do not collect or store any data entered into any calculator. However, We do track and monitor how many Users use the calculator.

E-Newsletter Choice/Opt-Out

If you no longer wish to receive our weekly e-newsletter you may opt-out of receiving them by actioning the ‘opt out’ option located at the bottom of each e-newsletter.

Third Party Advertising

Advertisements appearing on this Site may be delivered to Users by Us or one of Our web advertising partners. Our web advertising partners may set cookies. Doing this allows the advertising partners to recognise your computer each time they send you an advertisement. In this way, they may compile information about where you, or others who are using your computer, saw their advertisements and determine which advertisements are clicked. This information allows an advertising partner to deliver targeted advertisements that they believe will be of most interest to you. Money Savings Master does not have access to or control of the cookies that may be placed by the third party advertising servers of advertising partners.

This Privacy Policy covers the use of cookies by Money Saving Master and does not cover the use of cookies by any of its advertisers.

Disclaimer To Security

By consenting to the Terms and Conditions Agreement of the Site and hence the Privacy Policy, you consent that no data transmission over the Internet is completely secure. We cannot guarantee or warrant the security of any information you provide to us and you transmit such information to us at your own risk.

Consent

By disclosing any information to Us through the Site, you are consenting to the collection, storage and use of your Personal Information by Us in Australia, and you understand and consent to the maintenance, processing and transfer of such information in and to the United States (where the Site is hosted). If you do not consent to the collection, maintenance, processing and transfer of such information in and to the United States, then you should not access the Site.

Notification To Change In Privacy Policy

As We continue to grow Our businesses and improve Our services, We reserve the right to change or modify this Privacy Policy at any time. If there are changes or additions, We will post those changes here or in other formats We deem acceptable, so that you are aware of such changes. If this Privacy Policy changes in such a way that your Personal Information may be used or shared in a different manner, you will be given the opportunity to opt-out of having your information used or shared in that new manner. If you are concerned about how your information is used, please check back at this Site periodically.

Contact Us

If you have questions or concerns about Our Privacy Policy, you may contact us by writing to: Money Saving Master, PO Box 789 Freshwater, NSW 2096. Please remember to include your postal address, email address and phone number with your correspondence.