Protection of your personal and possibly sensitive information is important to SuperRatings Pty Ltd ABN 95 100 192 283, AFSL No 311880 and is required by law.
Under the Privacy Act 1988 (Cth) and all related legislation and regulations, the Commonwealth Government regulates the way in which private sector organisations collect, use, disclose and disseminate, keep secure and provide access to personal information. As a private sector organisation we are required to protect your personal information in accordance with the privacy legislations and regulations.
Collecting your personal information
Our business is to produce research reports and information regarding Australian superannuation funds. Our reports and related information are available by subscription to our website. (www.superratings.com.au)
In order to access our website we will require that an individual provide us with their name, email address and a telephone number, notwithstanding the subscriber may be a company or other form of legal entity. Access to our website is also dependent on payment of the access fee.
If we are not given the individual contact details or receive payment then we cannot allow access to our website.
Using and disclosing of your personal information
Personal information may be used to:
- Assist you to subscribe to our services;
- Provide the services you require;
- Administer and manage those services, including charging, billing and collecting debts;
- Conduct appropriate identity checks for client services provided to you;
- Gain an understanding of your information and communication needs in order for us to provide you with a better service; and
- Maintain and develop our business systems and infrastructure, including testing and upgrading of these systems.
Common to modern business practices and to meet your specific needs we may disclose your personal information to the organisations and people described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the applicable privacy laws, regulations and codes.
In order to deliver the services you require, we may disclose your personal information to organisations outside of SuperRatings Pty Ltd. Your personal information is disclosed to these organisations only in relation to us providing our services to you.
The relevant organisations and people for disclosure purposes are:
- As required or authorised by law and regulations, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue.
Disclosure of personal information to foreign persons or organisations
Web-based services and products can be accessed through the internet regardless of your location. However, your information is stored by SuperRatings Pty Ltd which is based in Australia. SuperRatings Pty Ltd does not anticipate that it will disclose your personal information to any foreign person or entity unless required to do so by law.
Your privacy on the Internet
We take care to ensure that the personal information you give us on our website is protected.
Links to Other Websites
You may be able to access an external web-site(s) by clicking on links we have provided. The other website(s) is not subject to our privacy standards, policies and procedures. You will need to contact or review that web-site directly to ascertain their privacy standards, policies and procedures.
Gaining access to your personal information
You can gain access to your personal information. This is subject to some exceptions allowed by law and regulation. Factors affecting a right to access include:
- Access would pose a serious threat to the life or health of any individual;
- Access would have an unreasonable impact on the privacy of others;
- The access request is frivolous or vexatious;
- The information relates to a commercially sensitive decision making process;
- Access would be unlawful;
- Access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function or negotiations with you; or
- Legal dispute resolution proceedings.
If denying you access is required by relevant law and regulation, we will give you reasons for the denial of access to your personal information.
Contact us through the address and telephone number set out below, to obtain a form requesting access to your personal information. In some cases we may be able to deal with your access request over the telephone.
Dealing with us anonymously
You cannot deal with us anonymously unless you specifically request it, it is practicable to do so and it is not against relevant legislation and regulation.
Your sensitive information
Sensitive information about you is information that reveals amongst other things, your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership of a professional or trade association, membership of a trade union, details of health, disability, sexual orientation, or criminal record. In order to access our services you will not be required to provide sensitive information.
The collection is required by law
This will occur when the information is necessary for the establishment, exercise or defence of a legal claim.
Data quality and accuracy
We will take reasonable steps to ensure that your personal information is accurate, complete and up to date.
If you become aware, or believe that any personal information which we hold about you is inaccurate, incomplete or outdated, you may contact us with evidence that the information is inaccurate, incomplete or out of date. If we agree that your personal information requires correcting, we will take all reasonable steps to correct it.
If we do not agree that your personal information requires correcting, you will be provided with reasons for the refusal.
Transfer of personal information
The personal information that we request from a subscriber is uploaded to and kept on servers that are maintained by SuperRatings Pty Ltd or that are maintained by third parties that must meet our strict contractual privacy requirements.
It is our aim to respond to your complaint within 7 days and resolve your complaint quickly and fairly. If the complaint is not resolved to your satisfaction, you can refer the matter to the office of the Privacy Commissioner at:
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001