We collect certain personal information from you such as your name and contact details. This information is required for us to provide services and products to you. We may also collect other personal information that you provide to us on company surveys or marketing competitions. We use this information to improve our services and products. Our surveys are strictly confidential. We will remove your name from such survey lists if you ask us to do so. We take all reasonable steps to ensure your personal information is kept confidential, secure, and protected from unauthorised access or use. We also collect non-personally identifiable aggregate information to improve our performance, services and products. This may include visited domain names and web pages and browser software being used. We collect this information in such a way that it is not able to be linked back to any individual. We may collect, use, store and disclose personal information about you for the following purposes: – Disclose personal information about you to credit reporting agencies in line with our debt collection policies and procedures. If you are in default, we will notify and exchange personal information with our collection agent. – Disclose personal information about you to authorised agencies such as our solicitors, when required for legal proceedings; the police in investigating criminal or fraudulent transactions or as permitted by the Privacy Act for similar dealings.