Privacy Act

This Privacy Policy applies to the services offered on the LPAC Online Pty Ltd website. Please read this Privacy Policy carefully before using the LPAC Online Pty Ltd website. Usage of the LPAC Online Pty Ltd website is conditional upon you agreeing to be bound by this Privacy Policy.

In summary, while you should read each provision in this Privacy Policy, you must note that by using the LPAC Online Pty Ltd website:
  • you agree that if you disclose your personal information to us, we may create a database record about you;
  • if you register on our website, download any materials or conduct any other transaction, you agree for us to collect information from you such as name, address, e-mail and date of birth, and you agree that this information may be disclosed to service partners for the purpose of providing you with information services;
  • you agree for us to use cookies on your browser (unless you remove them);
  • you agree that we can contact you with information about products and services which may be of interest to you (unless you have stated you do not wish to receive these communications);· your continued use of the website indicates your agreement with any future changes in the LPAC Online Pty Ltd Privacy Policy.
1. Collecting information about you
SavingsFactory will not collect or monitor any personal information about you without your consent. The only personal information we collect is what you tell us about yourself and information about how you use our website, for example by registering, when we ask for information such as your name, email address, contact details, profession, and your interest in specific products. If you contact us, we may keep a record relating to this contact.

Any further collection of your personal information than that explained here will only occur with your consent.

2. Our use of cookies
Cookies are pieces of information that a website transfers to your computer's hard disk for record keeping purposes. Most web browsers are set to accept cookies. LPAC Online Pty Ltd uses cookies to make your use of our website and services as convenient as possible. Cookies are useful to provide you with secure access to our site and help us to serve you with the most relevant information. They can also help us estimate our number of members and determine overall traffic patterns through our website.

If you do not wish to receive any cookies you may set your browser to refuse cookies. This may mean you will not be able to register on our website or take full advantage of LPAC Online Pty Ltd 's services.

3. Using and disclosing your personal information
Your personal information is confidential. Our purpose in collecting information about you is to provide you with a better website experience with content that is more relevant to your interests. LPAC Online Pty Ltd may use or disclose information about you when:
  • you give consent to specific uses; or
  • required by law; or
  • it is necessary to provide you with a service which you have requested, such as information about services to financial planners; or
  • to implement our terms of service; or
  • to protect the rights and property of LPAC Online Pty Ltd.
In seeking to give you the most worthwhile experience of our website possible, LPAC Online Pty Ltd may use your personal information to send you information and product updates about products or services which you have requested.

We do not disclose information about you to advertisers.

4. We will not 'spam' you
We may contact you at the email or other address which you provide to us in order to:
  • Provide you with updated information about our website;
  • Provide you with other information about our products and services which you may enjoy.
If you are receiving promotional information about LPAC Online Pty Ltd and do not wish to receive this information any longer, you may remove your name from our list either by visiting our website and following the instructions on how to withdraw your information from that site (where that facility is available), or e-mailing us at info@lpaconline.com.au and asking to be removed from our mailing list. Please allow 28 days for this request to be processed. 5. Storage and security of your personal information
LPAC Online Pty Ltd will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities. We require our employees and data processors to respect the confidentiality of any personal information held by LPAC Online Pty Ltd. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure, so we cannot give an absolute assurance that the information you provide to us will be secure at all times. LPAC Online Pty Ltd will not be held responsible for events arising from unauthorised access to your personal information.

Please note also that LPAC Online Pty Ltd may use overseas facilities to process or back up its information. As a result, we may transfer your personal information to our overseas facilities for storage. However, this does not change any of our commitments to safeguard your privacy.

6. Password and log-in security
For the purposes of viewing information on our site you may be supplied with a user name and password. You are responsible for the security of your password and log-in information. You take responsibility to ensure the confidentiality of this information. Please notify us immediately if there is any unauthorised use of your account by any other Internet user or any other breach of security.

7. LPAC Online Pty Ltd and links to other websites
LPAC Online Pty Ltd provides links to websites outside of the LPAC Online Pty Ltd service. These linked sites are not under the control of LPAC Online Pty Ltd and we are not responsible for the conduct of companies linked to our website. Before disclosing your personal information on any other website, we advise you to examine the Terms and Conditions of those websites.

8. What to do if you have a problem or question
If LPAC Online Pty Ltd becomes aware of any ongoing concerns or problems with sites on our website, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact us at info@lpaconline.com.au.

9. Future changes
Our commitment to being a leading provider of online financial services means that our business will continue to evolve as we introduce new services and features to our website. Because of this, from time to time, our policies will be reviewed and may be revised. LPAC Online Pty Ltd reserves the right to change its Privacy Policy at any time and notify you by posting an updated version of the policy on its website.

The amended Privacy Policy will apply between us whether or not we have given you specific notice of any change.