Terms and Conditions

We may collect personal information from you directly or indirectly through the use of our services. We will only collect personal information which is reasonably required for, or directly related to, our functions or activities.

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require. You may be able to also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us. We may use third party service providers to analyse the way you fill out our online forms. We will not be liable or responsible for:

• any failure to perform, or delay in the performance of, any of our obligations under these terms of use that is caused by any act or event beyond our reasonable control, including failure or suspension of public or private telecommunications networks;
• any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your mobile device, data or proprietary material due to your use of our Site; or
• breaches caused by a third party accessing your account with us as a result of your failure to ensure the security of access to our Site from your computer or mobile device.

When you use a mobile application program ("App"), your access to, and use of this App is at your own risk. Cash Clan makes no warranties or representations as to the accessibility, security, stability or reliability of this App and Cash Clan specifically disclaims any liability or responsibility for any App faults, failures or interruptions or the accuracy, timeliness, completeness, security or reliability of any communications (including, without limitation, any transactions) made using the App.

Sensitive information is personal information that includes information or an opinion about an individual’s:

• racial or ethnic origin
• political opinions or associations
• religious or philosophical beliefs
• trade union membership or associations
• sexual orientation or practices
• criminal record
• health or genetic information

We will not ask you to disclose sensitive information, but if you voluntarily provide sensitive information it will also be captured and stored.

Our website also contains links to the websites of third party services providers. If you have accessed third party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties. We not only collect information from you directly, for example when you provide information when you submit your application for credit. We also collect information from other sources. We do this when:

• we need information from third parties, such as a Credit Reporting Body, relating to your application for credit;
• we require additional information for authentication or identity verification purposes;
• required in connection with the detection, prevention or investigation of suspected fraudulent or other criminal activity or serious misconduct;

If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.

When you view our advertisements on a third party website, the advertising company uses 'cookies' and, in some cases, 'web beacons' to capture information such as:

• the server your computer is logged onto;
• your browser type;
• the date and time of your visit; and
• the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.

We use ‘cookies’ on our website to provide you with a better and more customised web experience. ‘Cookies’ are small files that are placed on your device by our web servers which collect information about your use of those websites. We use cookies for various purposes, these include:

• Allocating a unique identification number to your internet browser
• To customise our website for you
• Determining if your browser has previously visited our website and remembering your settings and preferences
• Identifying other webpages or third parties’ websites your browser has accessed
• Providing enhanced security and fraud detection
• For statistical purposes

In certain circumstances, data collected from the use of cookies may reasonably identify you and/or potentially constitute personal or sensitive information. By using our website you consent to our use of cookies pixels, click re-directs and tag containers and the data they may collect. You can choose to change your browser’s cookie settings via your browser privacy settings, including blocking the use of cookies. If you choose to block cookies, your experience on our website may be limited.

An Internet Protocol (IP) is a unique identifier assigned to your computer. At times, it may be necessary to collect your IP address to facilitate your interaction with various parts of our website.

The security of the information we hold about you is of the utmost importance to us. We take all reasonable steps to secure your personal information including: Maintenance of a secure environment for storage of information whether in hard copy or in electronic form; Ensuring that access to such information be limited to authorised personnel only. Using encryption technologies and password protection to secure any information in electronic form. Whilst we regularly review our security measures, no data transmission over the internet can be totally safeguarded. We are not responsible for the security of any computer or other device which you use to access our website. If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information. We are not responsible for the security of any computer or other device which you use to access our website. You indemnify and will keep us indemnified for any claims or liabilities that you or we may be liable for as a result of your breach of these terms of use. You agree that by using our Site, you will be solely responsible for ensuring the security of access to our Site by third parties.

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure. We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request to https://www.cashtrain.com.au/contact-us We will respond to your request as soon as practicable. Direct marketing involves communicating directly with you for the purpose of promoting goods or services to you and providing you with special offers from Cash Clan, its related entities or its third-party business partners. Direct marketing can be delivered by a range of methods including email, SMS and the Cash Clan app. We may use and disclose your personal information for the purpose of direct marketing to you where:

• you have expressly or by implication consented to us doing so; or
• it is otherwise permitted by law.

We may do this on a continuing basis, however at any time you can unsubscribe from our direct marketing, or change your contact preferences, transaction occurring as a result of a breach of any of these obligations.

With your consent, we use push notifications to send you information relating to us. You can manage your push notification preferences or deactivate these notifications at any time by turning off the notification settings in our Site or in the device settings of your mobile device.

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.