Privacy Policy

This Privacy Policy explains how Makes Cents Services Pty Ltd ABN 13 630 717 243 (‘Makes Cents Services’) deals with privacy issues relating to personal information which is provided by a person or entity (‘User’) who uses the Makes Cents Services website (‘Makes Cents Services Platform’).

Please email Makes Cents Services at (hello (at) makescents.com.au) if you have any queries about your Personal Information, how we deal with your Personal Information or would like to amend or otherwise delete your Personal Information.

We are bound by the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (subject to exemptions that apply to us under that Act). We may, from time to time, review and update this policy, including taking account of new or amended laws, new technology and/or changes to our operations. All personal information held by us will be governed by the most recently updated policy. Your privacy matters to us, so whether you are new to Makes Cents Services Pty Ltd or are a long-time user, please take the time to get to know our practices.

This Privacy Policy will describe:

How Makes Cents Services will collect and handle a User’s personal information;
The kinds of personal information that Makes Cents Services will collect and store;
The purpose for which Makes Cents Services collect personal information;
How the User can contact the data controller;
The use of cookies and third-party access on the Makes Cents Services Platform.

The User’s Agreement to this Privacy Policy

By using the Makes Cents Services Platform a User consents to the privacy practices as disclosed in this Privacy Policy noting that personal information about the User may be collected by Makes Cents Services or its Associates and relevant third-parties in accordance with this Privacy Policy:

To contact the User in response to a query or feedback from the User or due to the information provided by the User;
To enable Makes Cents Services, a partner or an Associate to provide the User with information;
To provide to Makes Cents Services Associates and relevant third-parties to facilitate a booking, quote or purchase;
For marketing or promotional purposes including marketing from third parties;
To provide the User with quotes in relation to goods or services;
To verify a User’s identity.
For any other purpose at Makes Cents Services sole discretion;

Personal Information

For the purposes of this Privacy Policy personal information includes all and any information that the User submits to Makes Cents Services when the User enquires about or seeks a comparison or quote for a product or service, visits the Makes Cents Services Platform, subscribes to an email list or contacts Makes Cents Services by telephone, via mail, email or online, which includes but is not limited to the following information:

The User’s full name;
The User’s payment details including banking or credit card information;
The User’s telephone numbers and email address;
The User’s home address;
The User’s date of birth;
Any additional personal identifiable information
Information which the User enters into the Makes Cents Services Platform including but not limited to photographs, images or written content.
Second or Third party information that is identifiable or non-identifiable including information about your computer, device, and browser, potentially including your IP address, browser type, and other software or hardware information. If you access the Site from a mobile or other device, we may collect a unique device identifier assigned to that device (“UDID”), geolocation data, or other transactional information for that device.

Collecting the User’s Personal Information

Makes Cents Services will not collect personal information about a User without that User’s consent and will only collect that personal information which a User voluntarily provides to Makes Cents Services.

Makes Cents Services may also collect personal information about a User from another business that you have authorised to deal with us on your behalf, from other companies that provide comparison services or other third parties.

Protecting the User’s Personal Information

Makes Cents Services will take all reasonable steps to protect the User’s personal information from loss, misuse, and unauthorised access.

Makes Cents Services will also destroy or de-identify any personal information which belongs to a User if that User requests that Makes Cents Services do so.

Use of Personal Information

Makes Cents Services will use the User’s personal information for the primary purpose of providing the User with the service or offers in relation to the service. To provide the service to the User, Makes Cents Services on-sell the User’s personal information to relevant third party businesses to obtain a quote for the User.

We may send you direct marketing communications and information about products and services that we consider may be of interest to you. These communications may be sent in various forms, including telephone, mail, SMS or email, in accordance with applicable marketing laws, such as the Spam Act 2004 (Cth). If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time, you may opt-out of receiving marketing communications from us by contacting us (details below) or by using the opt-out facilities provided (e.g. an unsubscribe link), or by contacting us using the details below. We will then ensure that your name is removed from our mailing list.

Makes Cents Services will receive remuneration for providing User’s personal information and data to relevant third party businesses or participating suppliers.

Other purposes for which the User’s personal information may be used include, but are not limited to:

Enhancing the security of both Makes Cents Services and the User;
Providing Makes Cents Services business partners or participating suppliers with the Users personal information so that they may provide the User with information, quotes and offers about their products and services;
Processing payments;
Contacting the User in respect of any queries or complaints;
For internal business management including accounting;
To advise the User of new product offering or promotions by mail, phone, SMS, MMS or email;
To advise the User about changes to the Makes Cents Services Platform’s terms and conditions;
For legal proceedings if a dispute or claim arises as a result of the User’s use of the Makes Cents Services Platform;

User’s personal information may be used by Makes Cents Services and the Makes Cents Services Platform to make automated decisions or modelling including, but not limited to:

Create data modelling for internal uses including commercial decisions
Data models that are externally sold or provided to third parties,
Create audience modelling for marketing and remarketing purposes.

These rights to use your data extend to Makes Cents Services for an indefinite period of time. Ownership and distribution of your personal information to 3rd parties will be at the discretion of Makes Cents Services until you unsubscribe or opt-out.

The User’s personal information is hosted on servers located in Australia. (location available upon request to users)

The Data Controller is Makes Cents Services. The Data Controller can be contacted via email at
hello (at) makescents.com.au
or
1/9 Macedon Rd, Templestowe Lower, VIC, 3107.

Use of personal information for research purposes

Makes Cents Services may use a User’s de-identified personal information for research and development purposes without obtaining a User’s consent.

Individuals Right of Access

The User’s personal information is collected in accordance with the Privacy Act 1988 (Cth) and is held for seven (7) years.

A User can request to delete or amend any personal information stored by Makes Cents Services or its Associates, and/or request a Subject Access Request (“SAR”) by contacting Makes Cents Services via email at hello (at) makescents.com.au.

Makes Cents Services will take all reasonable steps to allow a User to access the User’s personal information unless such access would have an unreasonable impact on the privacy of other individuals and other Users.

Makes Cents Services reserves the right to amend and update this Privacy Policy at any time.
A User can contact Makes Cents Services at any time on (hello (at) makescents.com.au) to opt out of direct marketing with the subject line as Unsubscribe.

If entrants do not consent to their details being used for future marketing purposes, the entrant should contact the Makes Cents Services by email or post on the contact details on their website. Any request to update, modify or delete the entrant’s details should be directed to Makes Cents Services via email at hello (at) makescents.com.au.

Third-party Sites

Makes Cents Services on-sell the Users personal information to relevant third-party businesses. Makes Cents Services is not responsible for the privacy practices and policies for websites and applications not owned or managed by Makes Cents Services. It is the Users responsibility to be familiar with and understand the privacy policies of other third-party sites.

Cookies and Usage Tracking

Makes Cents Services and any Associate or relevant third party may use small text files called “cookies”:

To enable more efficient browsing of the Makes Cents Services Platform;
To keep the User logged in to the website as they move from page to page;
For statistical purposes, such as to determine which pages visitors view most often, and to provide a better browsing experience.

Cookies are stored on the Users computer until they are deleted. User browser settings may be adjusted to refuse cookies from the website. However, please note that this may affect your ability to use the MAKES CENTS SERVICES Platform. Read more about cookie usage in our Terms and Conditions

Complaints

If you believe your privacy has been breached by us, have any questions or concerns about our Privacy Policy please, contact us using the contact information below and provide details of the incident so that we can investigate it.  We have a formal procedure for investigating and dealing with privacy breaches. Once the Privacy Officer receives a complaint, whether it is in writing or verbal means, the Privacy Officer will commence an investigation with the relevant business unit from which the alleged breach stemmed. The investigator will endeavour to determine the nature of the breach and how it occurred. We may contact you during the process to seek any further clarification if necessary.

If a breach is found, the Privacy Officer will escalate the matter to management so that the process can be rectified to prevent any further breaches from taking place. We will also contact you to inform you of the outcome of the investigation. We will endeavour to resolve all investigations within a reasonable time.

We will treat your requests or complaints confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in a timely and appropriate manner.

Please contact our Privacy Officer in writing at:

Privacy Officer: Makes Cents Services Pty Ltd

Email: hello (at) makescents.com.au
Postal Address: 1/9 Macedon Rd, Templestowe Lower, VIC, 3107

USE OF THIS SITE MEANS THAT YOU ACCEPT THE PRACTICES SET FORTH IN THIS POLICY. YOUR CONTINUED USE INDICATES YOUR AGREEMENT TO THE CHANGES.

Updated 26/04/2021

Decode your decisions.

Makes Cents Services Pty Ltd (ABN 13630717243) is a wholly owned subsidiary of EMBR Group Pty Ltd (ABN 27 147 278 153) Australian Credit Licence 519274 and operates makescents.com.au as a free service that allows users to compare quotes and save money in a few simple steps. This is based on the details provided through this site and our partners product or service criteria at the time of the enquiry. When we provide comparisons, or pass your details onto product issuers or credit providers, Or other comparison services, this is not a recommendation from Makes Cents Services Pty Ltd or EMBR Group Pty Ltd and in no way should be treated as personal or general advice about the suitability of a product or service. You should consult the individual product issuer or credit provider for their terms and conditions and read any specific product disclosures. Makes Cents Services Pty Ltd and EMBR Group Pty Ltd do receive fees and commissions for providing this service and sharing your information with a relevant product or service supplier. Unlike other comparison sites, we are completely independently run, funded and not owned by any Bank or Insurer and we are not a product issuer or a credit provider. We endeavour to provide you with a comparison of a wide range of products, providers and services, however we don’t cover every available product, provider or service available in the market. Therefore there may be other options available to you that could indeed be better than our options. In some cases, we may only have one provider who can service your specific request, as opposed to multiple quotes. This may be because your circumstances are unique and only serviceable by one specific provider, or because Makes Cents Services Pty Ltd only has been able to come to an agreement with one product supplier. If you decide to proceed with a specific product or service offering through a referral from makescents.com.au, you will be dealing directly with the 3rd party company and(or) its representatives of that product or service and no longer with makescents.com.au / Makes Cents Services Pty Ltd. We endeavour to always provide accurate and up to date information, however at times may need to update these details and they could be, at times, out of date.

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