Website Security & Privacy Statement

About This Security and Privacy Statement

This Security and Privacy Statement applies to this website which is operated by Dosh Financial Services Pty Ltd (ABN 55 123 725 066) (“DFS”) under the domain name www.doshfinance.com.au (“DFS website”). The DFS website is operated on behalf of DFS and its related bodies corporate (together called the “Dosh Group”). The information described in this Security and Privacy Statement may be shared between members of the Dosh Group.

This Security and Privacy Statement may also apply to services offered by DFS on websites hosted by third parties. If so, express reference to this Security and Privacy Statement will be made on those websites.

DFS understands and appreciates that you, as a DFS website visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. DFS is committed to protecting your privacy. This DFS Security and Privacy Statement explain how your personal information will be treated as you access and interact with the DFS website.

As the DFS website develops and as technology evolves, DFS will continue to strive to provide you with better and more customised services and with a more effective website. DFS encourages you to review the Security and Privacy Statement periodically because the Security and Privacy Statement may change from time to time.

The DFS Privacy Policy explains how DFS generally protects your privacy and confidentiality. The principles set out in the DFS Privacy Policy also apply to DFS websites.

In addition to the provisions of this Security and Privacy Statement, there may also be specific and additional privacy provisions which apply to certain sections of the DFS website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on the DFS website. In the event of any inconsistency between the provisions of this Security and Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.

Security of Information

DFS takes reasonable steps to preserve the security of cookie and personal information in accordance with the DFS website Terms of Use and this Security and Privacy Statement. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted). If secure transmission is indicated, DFS currently uses 128 bit SSL encryption.

DFS regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although DFS strives to protect such information, DFS cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.

Information Collected

The information that DFS collects about you is dependent on how you use the facilities offered by the DFS website.

If you visit an unsecure area of the DFS website (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.

The DFS website offers a number of interactive facilities including tools such as home loan calculators, as well as online surveys and application forms.

If you use any of the tools such as the home loan calculator we generally do not capture any personal information that you may enter when using these tools. An exception to this is when a tool allows you to suspend or save your plan and retrieve the details at a later time. In that case the information is stored on our systems so that you may recover the information when you resume. Any information stored or saved by budget planner or other similar tool will not be viewed by DFS.

If you decide to complete an online application form or online survey, the information that you enter into the online form or survey will only be collected by DFS if you submit your online application or survey. If at any stage you cancel your application or log out prior to submitting your application or survey, the information you have entered up to that point will be automatically deleted. You can suspend and save online applications. If you suspend or save your application, for example because you wish to complete it at another time, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. You may only recover this information within 30 days. After this time, the information is deleted. Online applications that have been suspended or saved will not be viewed by us and are not processed by us.

The DFS website 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 the DFS website and if those third parties collect information about you, DFS 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 the DFS website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.

Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Collection of IP addresses

It is necessary for DFS to collect your IP address for your interaction with various parts of the DFS website. Your IP address is the identifier for your computer when you are using the internet.

We store your IP address for security and audit purposes. Your IP address will not be used by us or released to any third party except in the case of security, inappropriate behaviour or fraud issues, such as unauthorised access to your or our computer systems or fraudulent transactions.

Cookies

We use “cookies” as a fundamental part of our interaction with your Internet browser. The purpose is to provide you with better and more customised service and with a more effective website.

A “cookie” is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

DFS uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits the DFS website. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

  • to allocate an DFS identification number to your Internet browser (but we cannot identify you from this number);
  • to determine if you have previously visited the DFS website;
  • to identify pages you have accessed and Third Party websites you have accessed; and
  • for security purposes.

Most of the DFS website operates by using this type of cookie. Accordingly, if you wish to make full use of the DFS website, it is required that you accept cookies.

DFS also uses cookies for secure services (that is, an area where DFS uses encryption) on the DFS website. These cookies are used for a variety of purposes, including for security and personalisation reasons. If your browser is configured to reject all cookies you will be unable to use secure services on the DFS website that require cookies in order to participate. Those services include (but are not limited to):

  • Online applications;
  • Online surveys.

&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. Your e-mail message content may be monitored by our DFS employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.

Use and Disclosure of Information

We will only use or disclose personal information or information generated by cookies in accordance with the DFS Privacy Policy, specific and additional provisions relating to privacy which apply to certain areas of the DFS website and as otherwise set out in this Security and Privacy Statement.

Acceptance and Changes to Security and Privacy Statement

You acknowledge and accept that your use of the DFS website indicates your acceptance of the DFS website Terms of Use and the Security and Privacy Statement.

This is the current Security and Privacy Statement. It replaces any other Security and Privacy Statement for the DFS website published on the DFS website to date. DFS may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the DFS website. You accept that by doing this, DFS has provided you with sufficient notice of the variation.