Privacy Policy

Effective date: 1 February 2024

Marigold Money Pty Ltd ABN 91 675 231 133 of 28 Dequetteville Terrace Kent Town (“Marigold Money” “us”, “we”, “our”), takes your privacy seriously and we are committed to ensuring the protection of your personal information. 

We handle your personal information in accordance with all relevant legal obligations, including those under the Privacy Act 1988 (Cth) (“Privacy Act”).

This Privacy Policy describes how we collect, hold, use and disclose your personal information, and how we maintain the quality and security of your personal information. 

Collection

We collect personal information to deliver our educational content, training and coaching programs. We may collect personal information when you: 

• visit our website,
• subscribe to our mailing list,
• contact us to enquire about, apply for, or use our products or services, 
• talk to us or do business with us, and 
• participate in other activities we offer, such as events, competitions or surveys. 

The kind of personal information we may collect will depend on who you are (e.g. a client or third-party service provider) and the nature of your interaction with us, and may include your full name, email address, postal or residential address, age, billing information and other personal information. If you do not provide us with all the information we request, we may not be able to deliver our products and services.

We may also collect your personal information from third-parties such as referral partners. We collect your personal information from these third-parties so that we can provide you with our products and services. 

Re-marketing/cookies

We may also use re-marketing services to deliver ads through search engines or social networks. Any data collected through these platforms will be used in accordance with our Privacy Policy and the relevant policies of the re-marketing service providers. To opt out of cookie-based advertising you must visit the ad settings for each respective platform. 

Consent

By engaging us or registering your details on our website (www.marigoldmoney.com), and/or using our website or supplying information or documents to us or otherwise engaging our services, you consent to us collecting, using and disclosing your personal information for the purposes specified in this Privacy Policy.

Use

We use your information to provide our products and services to you. We may also use your information to: 

• improve the products and services we provide through activities such as reviewing customer feedback and assessing how you use our products and services,
• develop new products and services,
• monitor and review online chats and call recordings for quality assurance, training and compliance purposes,
• operate our website, 
• respond to feedback and complaints, 
• communicate with third-party service providers,
• if needed, enforce our Terms and Conditions with you. 

Where we have collected your express consent, we may contact you by mail, telephone, email or SMS to market our products and services. We will always give you the opportunity to opt-out of receiving any future direct-marketing correspondence.

Disclosure and sharing

We may disclose personal information to third parties for purposes associated with your purchase of our services and to third party service providers we engage to help us deliver our services and for marketing purposes. We will only disclose personal information to additional third parties with your consent or if permitted or authorised to do so by law. Some places outside of Australia may have inadequate data protection laws or may offer differing levels of protection of personal information which are not as high as in Australia. By submitting personal information to us, you acknowledge that, provided we have used your personal information in the ways set out in this Privacy Policy, we cannot be held responsible for any use of your data by third parties located overseas who receive and process your data.

Data security and quality

We will take reasonable steps to protect the personal information we collect and hold from misuse, loss and interference and from unauthorised access and modification, and to make sure it is accurate, complete and up-to-date when we collect, use or disclose it.

To assist us, please ensure you provide us with your correct details, and let us know if you believe the information we have about you is inaccurate, incomplete, out of date or misleading (and we will take reasonable steps to correct the information). We may take steps to destroy or permanently de-identify information when it is no longer needed for any purpose for which it may be used or disclosed. We may retain and use de-identified information.

Our Website

https://www.marigoldmoney.com

Cookies

When you use our website, we may use cookies to collect information about you. We do this to improve the security and performance of the website, as well as improve the efficiency of our marketing campaigns. 

You can disable cookies through your internet browser however our website may not work as intended for you if you do so. 

In the course of serving advertisements to our website (if any), third-party advertisers or ad servers may place or recognise a unique cookie on your browser. The use of cookies by such third-party advertisers or ad servers is not subject to this Privacy Policy, but is subject to their own respective privacy policies.

Complaints

If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us via email ([email protected]). Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you within a reasonable period of time. 

Transfer in certain circumstances

If there is a sale, merger, consolidation, change in control, transfer of substantial assets, reorganisation or liquidation of us then, in our sole discretion, we may transfer, sell or assign personal information collected to one or more relevant third parties.

Changes to this Privacy Policy

This Privacy Policy forms part of our Terms and Conditions and therefore the agreement between you and us (either in your capacity as a client or a third-party service provider). We may, from time to time, amend this Privacy Policy, in whole or part, in our sole discretion. Any changes to this Privacy Policy will be effective immediately upon the posting of the revised Privacy Policy on our website. Depending on the nature of the change, we may announce the change on our website or by email. However, by continuing to use our website and/or our products or services following any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as amended from time to time, in whole or part, you must terminate your use of the website and inform us immediately prior to any further receipt of our products or services.

Contact us

If you have any questions about this Privacy Policy, or if you wish to request access to your personal information, correct or update your details or raise any privacy concerns you may have, please contact us at [email protected].