| Privacy |
This Privacy Statement applies to your use of the web site of the
Goulburn Murray Credit Union Co-operative Ltd (GMCU) (ABN 87 087
651 509), at www.gmcu.com.au and includes the use of any of the GMCU's
facilities via the web site.
Members and users are concerned about how their personal information will be
used and we recognise these concerns about their privacy and confidentiality.
This Privacy Statement is published to provide a clear and concise outline of
how and when personal information is collected, stored and distributed by the
GMCU and covers personal information collected via the GMCU web site. |
| The collection of personal information |
If you visit an unsecured area of the GMCU
Web Site (an area where you are not required to log on) to read,
browse or download information our systems will not record any
personally identifiable information.
The nature of personal information collected and maintained by the GMCU generally
comprises name, address, age group, account numbers, contact details (including
phone, fax and e-mail) and products and services information preferences. Personal
information is collected for the purposes of establishing and building a financial
services relationship with you. If you provide incomplete or inaccurate information,
we may not be able to provide you with the services you are seeking.
For statistical purposes we can collect information on web site activity (such
as the number of users who visit the web site, the date and time of visits, the
number of pages viewed, navigation patterns, what country and what systems users
have used to access the site and, when entering our web site from another web
site, the address of that web site) through the use of 'cookies'. This information
on its own does not identify an individual but could provide the GMCU with statistics
that we can use to analyse and improve our web site.
We do not collect information about anyone's political or religious beliefs,
ethnic background or sexual preferences. |
| The use and disclosure of personal information |
Unless you have instructed us not to do so,
personal information may be shared with related third party companies
with whom the GMCU outsources services such as financial planning
where it will remain confidential. Our goal is to use the information
you provide to better understand your financial and investment
requirements and so provide information on products and services
that are most relevant to you.
We also use personal information we have collected in our measures for detecting
and preventing fraud and other malicious activities.
The GMCU undertakes not to sell, rent or trade your personal information.
We will not disclose information about you unless the disclosure is required
by law, is authorised by law or if you have given consent to the disclosure of
the information about you.
As with most business organisations, the GMCU relies on third party suppliers
to conduct specialised activities such as the production and mailing of statements.
These suppliers act on behalf of the GMCU and do not facilitate their own commercial
agendas whilst processing your personal information. While personal information
may be provided to these agents to enable them to perform their agreed tasks,
such information remains the property of the GMCU at all times and the agent
organisations involved are bound by specific confidentiality and non-disclosure
agreements. |
| Personal information quality |
Our aim is to ensure that your personal information
is accurate, complete and up-to-date. To assist us with this, please
contact us if any of the details you have provided change. Further,
if you believe that the information we have about you is not accurate,
complete or up-to-date, contact us and we will use all reasonable
effort to correct the information.
|
| Personal information security |
The GMCU has a commitment to keeping secure
the data you provide us and we will take all reasonable precautions
to protect your personally identifiable information from loss,
misuse or alteration.
GMCU Internet Banking, the GMCU Internet Banking system, uses the highest levels
of technology to ensure maximum security, including 128 bit encryption of all
customer data sent between your computer and the GMCU's system. |
| Access to personal information |
| If at any time you wish to know what personal
information we are holding about you we will provide you with access.
After you providing adequate identification your information will
be made available to you within 14 days. A fee may apply. |
| Cookies |
In common with most other websites the GMCU
does use cookies. These are very small text files that a website
can transfer to your computer's hard drive for record keeping.
The cookies can make using our website easier by storing information
about your preferences and will enable you to take full advantage
of our services. Cookies only identify your computer when you visit
a website that uses cookies they do not identify the user. The
information is usually stored in a secure, encrypted cookie on
your hard disk and contains information that you chose to provide.
You are in charge of deciding what information is available about
you.
Cookies are frequently used on Web Sites and you can choose if and how a cookie
will be accepted by configuring your preferences and options in your browser.
Most Internet Web browsers are pre-set to accept cookies to enable full use of
those websites that do use cookies. However, if you do not wish to receive any
cookies you may configure your browser to reject all cookies or warn you when
cookies are being used. In some instances, this may mean you will not be able
to use some or all of the services provided on a particular Website that require
cookies in order to participate.
You may still be able to use some information only pages even if you do not accept
cookies. |
| How we handle Email |
| We will preserve the content of any e-mail
that you send us, if we believe that we have a legal requirement
to do so. |
| Promotional material via e-mail |
| We acknowledge and respect a user's choice
to opt- out of the any GMCU marketing activities. Should you decide
you do not wish to receive marketing or promotional materials,
via email, from the GMCU please contact us in person, by phone
or by email (being sure to include your name, address and account
number(s).) |
| Changes to this statement |
| The GMCU may make changes to this Privacy
Statement from time to time for any reason. We will publish those
changes on our web site. |
| Contact us about privacy |
If the GMCU becomes or is made aware of any ongoing concerns or
problems with our Website we will take these issues seriously and
work to address these concerns. If you have any further queries relating
to our Privacy and Security Statement, or you have a problem or complaint,
please contact us at info@gmcu.com.au.
^ top |
