Privacy Policy

Overview
The Privacy Act 1988 (Cth), the Australian Privacy Principles set out in that Act, and the EU’s General Data Protection Regulation (GDPR) govern the way in which we must manage your personal information. We consider your privacy a priority and are committed to ensuring your personal information is protected at all times.

This website is owned and operated by Trade Ledger on behalf of the Coronavirus Fintech Taskforce which consists of Trade Ledger, WiserFunding, NorthRow and Nimbla.

Trade Ledger will not disclose any personal information about you, including to other members of the Taskforce, except as mentioned below. Trade Ledger does not collect personally identifiable information about you, except when knowingly provided. Trade Ledger’s policy in respect of its management of your personal information is set out in this Privacy Policy.

As you use our services, we want you to be clear how information is used and the ways in which you can protect your privacy.

This Privacy Policy applies to the Coronavirus Fintech Taskforce website, online services and all electronic communications as a consequence of use. By using this website, you agree to the terms of this Privacy Policy.

Collection
The types of personal information we collect about you:

  • will depend on what services or products you use, acquire, require or are involved in;
  • includes information that can identify you and which may include your name, contact details, address, telephone and mobile number, email address, fax number, business locations, areas of specialisation or interest, your IP address other contact details;
  • includes personal credit history and profile and financial information and you authorise us to obtain such credit and financial information from any appropriate third party and verify your identity and the information you provide with third parties’ relevant to providing you with the services or products, or any other information you choose to provide us with.

We will not collect sensitive personal data information concerning you unless you have consented, or we are required to do so by law.

Use of Information
We may, in accordance with the below, collect and keeps personal information:

  • to provide services, products or benefits to you;
  • to provide customer service;
  • to store, transmit or share information as necessary to lenders, funding providers, finance solution providers, other appropriate persons or other third parties for the purpose of providing services;
  • to access and calculate financial information, business management and assess creditworthiness, fraud analysis, business risk assessment and forecasts and cashflow predictions;
  • to process any application, registration or comment or request you make;
  • to provide you with promotional information or information about other services that we, or other organisations that we are affiliated with, may offer, that you may be interested in;
  • to identify, establish and provide other services or benefits;
  • to communicate with you;
  • to assist us in carrying on our business operations;
  • to better service your relationship with us;
  • to analyse our services, products and client needs with a view to developing new or improved services, products or benefits and marketing them;
  • to manage your relationship with us;
  • for subscriptions, entry into competitions, participation in surveys or similar activities;
  • to act as your agent if you request us to do so;
  • for the purposes of providing commercial services or benefits;
  • for undertaking any activity required by law.
  • for any of the above third parties accessing any of your data in respect of the provision of the services.

We do not use personal information to make automated decisions

Methods of Collection

We will only collect personal information by fair, lawful and non-intrusive means and information will generally be collected directly:

  • by contact with you, personal or online;
  • from the information provided by you to us;
  • through website registrations;
  • through program applications;
  • from our standard forms;
  • from online profiles;
  • from communications and discussions with you and your employees, related companies, your representatives or as authorised by you;
  • from relevant third parties in respect of credit history and profile and financial information and verification of information;
  • from sources available publicly; and when required by law to do so.

There may, however, be some instances where personal information will be collected indirectly because it is unreasonable or impractical to collect personal information directly from you. Normally you will receive notification about these instances in advance, or where it is not possible to do so, as soon as reasonably practicable after the information has been collected.

Failure to Provide Information
Unless required by law, you can choose not to provide personal information. You can also choose not to identify yourself when dealing with us. However, if either personal information is not provided, you do not identify yourself or the information you provide is incomplete or inaccurate at any time, we may not be able to effectively provide certain services, products, programs, benefits, access or information you require.

Use and Disclosure
We will always use personal information for the purpose for which it was collected and directly related purposes in the normal business operation and marketing of our business. We may also use this information to send information about Trade Ledger or information from our associates.

The information may be recorded to enable improvements to be made and for promotional purposes. We may also disclose personal information to the following persons or organisations (who may not be required to comply with our Privacy Policy):

  • to service providers, information systems and technology organisations or other contractors who assist us in operating and managing our business or performing functions on our behalf such as marketing programs and client services and we will request that they not use your personal information for any other purpose unless you agree;
  • to other service providers, including lenders, funding providers, finance solution providers or other persons, or our related entities, our associates or other affiliated organisations who provide various products or services or information that you may have requested or we have arranged or that may be of interest to you;
  • mailing houses, printers and courier services;
  • marketing organisations and market research companies;
  • event organisers, participants, speakers, facilitators, sponsors and potential sponsors (to enable assessment of whether to sponsor an event or participate in our activities);
  • advertising organisations and sound and image recording organisations;
  • education providers; mentors, and consultants;
  • our legal, accounting, financial or other professional advisors;
  • social media platforms;
  • international organisations with which we have agreements or arrangements;
  • if required by law or to protect our rights, safety or property.

In addition, any person who we provide services to, either separately or in combination with any other member, may have their name and contact information published on the website, database, and any other publications directly related to the Coronavirus Fintech Taskforce.

Personal information entered into the database will not be used or disclosed by us, other than as authorised by you under our terms and conditions of use or as set out in this Privacy Policy.

Our principles regarding user privacy and data protection
We endeavour to always follow these principles:

  • Lawfulness, fairness and transparency
  • Purpose limitation
  • Data minimization
  • Accuracy
  • Storage limitation
  • Integrity and confidentiality

What are your data protection rights?
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

  • The right to access – You have the right to request for copies of your personal data. We may charge you a small fee for this service.
  • The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request Trade Ledger to complete the information you believe is incomplete.
  • The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
  • The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
  • The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
  • The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

Non-disclosure of personal information
If you do not want your personal information to be disclosed, we will endeavour to accommodate this request if that disclosure is not required by law. However, if your personal information is not disclosed, we may not be able to effectively provide certain services, products, benefits, access or information you require.

Data quality and security
The security of your personal information is important to us. We take all reasonable steps to ensure that:

  • The personal information we collect, use or disclose is accurate, complete and up-to-date; and
  • Your personal information is stored safely and protected from misuse, interference, loss, unauthorised access, modification or disclosure.
  • Access to your personal information is restricted to persons, employees, associates and third-party providers who need to know that information in order to deliver our services, products and benefits.

Our website uses third party services that may process your data

Please be aware that no data transmission over the internet can be guaranteed to be totally secure. As a result, while we strive to protect your personal information and make our best effort to ensure its security on our systems, we cannot ensure or warrant the security of any information you provide to us, and you do so at your own risk.

We will, at all times, take reasonable steps to destroy or de-identify personal information in the event that it is no longer needed for any purpose for which the information may be used or disclosed.

Links to other websites
Links to other sites may be provided and we do not as a matter of course, endorse any linked website. We cannot be deemed to be responsible for the privacy practices or the content of any linked websites and therefore linked websites are not subject to our Privacy Policy or procedures. You are encouraged to read the privacy policy of any linked site.

Cookies

What Are Cookies
As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the site’s functionality.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How We Use Cookies
We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site We would recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies
You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of this site. Therefore, it is recommended that you do not disable cookies.

The Cookies We Set
Email newsletters related cookies
This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.

Forms related cookies
When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

Site preferences cookies
In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences, we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.

Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features, these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

To change your Cookie Preferences, click HERE.

Your rights under the GDPR
You have rights under the GDPR which are listed below. We will fully respect your rights regarding the processing of your personal data and has provided below details of the Privacy Officer, the person to contact if you have any concerns or questions regarding how we process your data or if you wish to exercise any rights you have under the GDPR.

Under the GDPR you have the following rights:

  • the right to be informed; anyone processing your personal data must make clear what they are processing, why, and who else the data may be passed to;
  • the right of access; your right to see what data is held about you by us;
  • the right to rectification; the right to have your data corrected or amended if what is held is incorrect in some way;
  • the right to erasure; under certain circumstances you can ask for your personal data to be deleted;
  • the right to restrict processing; the right to ask for a temporary halt to processing of personal data;
  • the right to data portability; the right to ask for any data supplied directly to us to be provided in a structured, commonly used, and machine-readable format;
  • the right to object; you have the right to object to further processing of your data which is inconsistent with the primary purpose for which it was collected;
  • rights in relation to automated decision making and profiling; you have the right not to be subject to a decision based solely on automated processing.

We have adopted the following principles to govern the collection and processing of personal data:

  • personal data will be processed lawfully, fairly, and in a transparent manner;
  • personal data collected will only be those specifically required to fulfil the provision of the services or products described in this privacy policy and other related requirements;
  • personal data will only be retained for as long as it is required to fulfil contractual requirements, provide the services or products described in this privacy policy or to provide statistics to us;
  • personal data will be adequate, relevant, and limited to what is necessary in relation to the purposes for which they are collected and/or processed;
  • personal data will be accurate and, where necessary, kept up to date;
  • you have the right to request from us access to and rectification or erasure of your personal data, to object to or request restriction of processing concerning the data, or to the right to data portability and in each case in accordance with our access provisions.

More Information
Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.

However, if you are still looking for more information, you can contact us at: support@tradeledger.io

Changes to our Privacy Policy
Our Privacy Policy may change from time to time at our discretion, however, if fundamental changes are made to the way that we use your personal information, then we will undertake to notify you via email or notice on our website.

Access and contact
You may access the personal information we hold about you by making a user access request to us. We will ask that you satisfy identity validation procedures to prove that you and the individual requesting the personal information are one and the same. We may decline a request for access to personal information where we are required by law to do so.

We will provide the following information free of charge within 30 days of a user access request:

  • what personal information pertaining to you is being processed;
  • why this information is being processed;
  • who has access to this personal information about you;
  • how this personal information is being used in automated decisions;
  • what processes are using this information.

You may check your information to verify, update, or correct it, and to have any obsolete information removed. You can also ask to review any of the information that we have retained, how we have used it, and to whom we have disclosed it at any time by contacting us as indicated below.

If, at any time, you believe the personal information we hold about you is inaccurate, incomplete or out of date, please notify us immediately. We will take reasonable steps to correct the information so that it is accurate, complete and up-to-date. You may also ask us to change your preferences regarding how we use or disclose your information or let us know that you do not wish to receive any further communication from us.

Complaints
If you believe that we have breached your privacy rights in any way or wish to discuss any issues about our Privacy Policy or the way in which we handle your personal information, please contact our privacy officer (see below) and we will try to satisfy any questions you may have and correct any errors within a reasonable period after receipt of the complaint. If you still think your concern has not been satisfied, you have the right to make a complaint to the Office of the Australian Information Commissioner at 1300 363 992.

Definition
In this Privacy Policy:
“we”, “our”, “us” or “Trade Ledger” means Trade Ledger Pty. Ltd. ACN 614 059 737 and Taskforce Members Wiserfunding (Wiserfunding Limited, Company Number 10149809), NorthRow (Northrow Limited, Company Number 07358038) and Nimbla (TradeCrediTech, trading as Nimbla, Company Number 10211946.)

“you” means each person who uses the Coronavirus Fintech Taskforce website.

Our Contact Details
To: Privacy Officer
Trade Ledger Pty. Ltd. ACN 614 059 737
Level 5, 11 York Street,
Sydney, NSW, 2000
Tel: 0401 478 677
email: privacy@tradeledger.io

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