{"id":3,"date":"2022-10-19T07:38:01","date_gmt":"2022-10-19T07:38:01","guid":{"rendered":"https:\/\/capitalatcall.com.au\/?page_id=3"},"modified":"2023-02-17T19:31:41","modified_gmt":"2023-02-17T19:31:41","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/capitalatcall.com.au\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3\" class=\"elementor elementor-3\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c8e866 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c8e866\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-641bc15\" data-id=\"641bc15\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e272574 elementor-widget elementor-widget-heading\" data-id=\"e272574\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.1 - 15-02-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-xl\">Privacy Policy<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-232d23a elementor-widget elementor-widget-text-editor\" data-id=\"232d23a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.1 - 15-02-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h2 dir=\"ltr\"><strong>General Information<\/strong><\/h2><p dir=\"ltr\"><strong>Please read carefully.\u00a0<\/strong><\/p><p><span style=\"font-weight: 400;\">By accessing, browsing, and uploading any materials on <\/span><a href=\"http:\/\/www.capitalatcall.com.au\"><span style=\"font-weight: 400;\">www.capitalatcall.com.au<\/span><\/a><span style=\"font-weight: 400;\">, you agree to abide by the terms and conditions outlined herein. Please be informed that Capital At Call is intended for individuals who are 18 years old and above. Failure to comply with any of the terms and conditions will result in immediate termination of your website access.<\/span><\/p><p><span style=\"font-weight: 400;\">Capital At Call reserves the right to modify or delete any portion of the terms and conditions to ensure their legality and enforceability. Any rates mentioned are monthly rates. Capital At Call will also guarantee that the remaining sections of the terms and conditions will remain in effect.<\/span><\/p><p><span style=\"font-weight: 400;\">It is the user&#8217;s responsibility to review the updated terms and conditions. Your continued use of the website indicates your consent to any modifications made to the terms and conditions.<\/span><\/p><p><span style=\"font-weight: 400;\">If you do not agree with the terms and conditions, please exit the website and refrain from using it. You may click on the unsubscribe link at the bottom of our digital communication or reach us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page at any time.<\/span><\/p><p><b>Information and Liability<\/b><\/p><p><span style=\"font-weight: 400;\">The information presented on this website is provided for general information purposes only. While Capital At Call and its subsidiaries make every effort to provide accurate and comprehensive information, they cannot be held liable or responsible for any errors or omissions on the website or any direct or indirect damages or losses arising from the use of the website, the Internet, or the World Wide Web.<\/span><\/p><p><span style=\"font-weight: 400;\">It is the sole discretion of Capital At Call to improve, make changes, upgrade security, and update the information on the website from time to time. However, Capital At Call does not provide any warranties that the website will meet the user&#8217;s requirements, that the information provided will be accurate, compliant with local legislation and regulations, error-free, secure, timely, uninterrupted, or virus-free.<\/span><\/p><p><span style=\"font-weight: 400;\">When accessing or browsing the website, the user is responsible for ensuring the protection of their electronic equipment. It is also the user&#8217;s responsibility to ensure that the goods or services they intend to purchase are the products they wish to acquire. Additionally, it is the user&#8217;s responsibility to review the relevant product or service documents provided by the relevant businesses.<\/span><\/p><p><b>Intellectual Property Rights<\/b><\/p><p><span style=\"font-weight: 400;\">Capital At Call is an Australian trademark, and Australian laws govern the terms and conditions of the website. The materials published on this website are intended for use within Australia, and no implications are made that they are appropriate for use outside of Australia. If you choose to access the website from another country or region, you are responsible for complying with the local laws in that area.<\/span><\/p><p><span style=\"font-weight: 400;\">All content, design, information, images, and text available at www.capitalatcall.com.au are subject to our intellectual property rights. It is strictly prohibited to copy the website functionality, obtain data and information, reverse-engineer the website, or use any part of the website domain without obtaining written consent from Capital At Call.<\/span><\/p><p><span style=\"font-weight: 400;\">The trademarks of other companies, products, or services used on this website are the property of those respective companies. Copying, downloading, reproducing, or using other trademarks is prohibited without obtaining authorization from the rightful owners.<\/span><\/p><h2><b>Invitation to Contact<\/b><\/h2><p><span style=\"font-weight: 400;\">By submitting an application, you explicitly authorize us, relevant retailers, and other third-party partners (who we may appoint and change at any time) to contact you through email, phone, MMS, SMS, or any other direct and electronic methods to provide you with advice, information, marketing materials, news, and services according to their relevant licensing abilities or restrictions.<\/span><\/p><p><span style=\"font-weight: 400;\">You also authorize and consent to Capital At Call and other third-party partners soliciting communication from you during our call center opening hours, even if your phone number is on the Do Not Call Register. Our call center is open during the following hours:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monday to Thursday from 9 AM to 9 PM AEST<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Friday from 9 AM to 8 PM AEST<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saturday to Sunday from 10 AM to 5 PM AEST<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In addition, you authorize and consent to Capital At Call and other third-party partners contacting you for marketing promotions or any related offers beyond the initial industry vertical you initially opted for.<\/span><\/p><p><span style=\"font-weight: 400;\">This consent remains valid and unrestricted until you choose to opt out or unsubscribe.<\/span><\/p><h2><b>Privacy Policy Agreement<\/b><\/h2><p><span style=\"font-weight: 400;\">This Privacy Policy sets out how Capital At Call handles personal information provided by users of the www.capitalatcall.com.au, website. If you have any concerns about your personal information, wish to amend or delete it, reach us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page at any time.<\/span><\/p><p><span style=\"font-weight: 400;\">We value your privacy, and whether you&#8217;re a new or long-term user of Capital At Call, we want you to understand how we handle your personal information. Our privacy practices are governed by the Australian Privacy Principles of the Privacy Act of 1988, with exemptions that apply to us. We may update this policy in response to new laws, changes to our operations, or new technologies.<\/span><\/p><p><span style=\"font-weight: 400;\">By using the www.capitalatcall.com.au website, you consent to the privacy practices outlined in this policy. Please note that Capital At Call, relevant retailers, and other third-party partners may collect personal information for the following purposes:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marketing or promoting products or services, including third-party marketing<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing the user with relevant information about products or services<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Facilitating a booking or purchase of a product or service<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contacting the user based on the data provided or in response to feedback or queries<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing quotes for goods or services<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verifying the user&#8217;s identity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any other purposes at the sole discretion of Capital At Call<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Capital At Call collects personal information when a user contacts us via email, mail, online, or telephone, or subscribes to an email list, or visits www.capitalatcall.com.au for a comparison or quote for a product or service. Personal information includes, but is not limited to, the following:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The user\u2019s date of birth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The user\u2019s email address<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The user\u2019s full name<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The user\u2019s home address<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The user\u2019s telephone numbers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any additional personally identifiable information related to the product or service<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any information the user enters on the website, including images, photographs, or written content<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second-party or third-party data such as browser, computer, device, IP address, and other hardware\/software information. If the user accesses the site from a mobile device, we may also collect geolocation data, unique device identifier (UDID), or other transactional information for that device.<\/span><\/li><\/ul><p><b>Data Collection.<\/b><span style=\"font-weight: 400;\"> Capital At Call will only collect personal information from users with their explicit consent. Users are required to provide personal details via the registration form and submit them to the www.capitalatcall.com.au platform. In addition, Capital At Call may also obtain personal information from other authorized businesses, comparison service providers, or third parties. The collection of personal information follows the Privacy Act of 1988, and the information is held for seven years.<\/span><\/p><p><b>Data Protection<\/b><span style=\"font-weight: 400;\">. Capital At Call will take all reasonable measures to protect users&#8217; personal information from unauthorized access, loss, or misuse. Upon a user&#8217;s request, Capital At Call will de-identify or destroy their personal information.<\/span><\/p><p><b>Use of Personal Information:<\/b><span style=\"font-weight: 400;\"> Capital At Call will use users&#8217; personal information to provide relevant offers and services.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We may also provide users&#8217; personal information to third-party businesses in exchange for remuneration. If users specify a communication preference, we will use that method whenever possible.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We may send users marketing communications and product\/service information in various formats such as email, mail, SMS, or phone, based on applicable marketing laws like the Spam Act of 2003.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Users can unsubscribe from marketing communications at any time by clicking the unsubscribe link or reaching us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page at any time.<\/span><\/li><\/ul><p><b>Other use of personal information may include, but are not limited to:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contacting users in response to complaints or queries;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Developing audience models for marketing and remarketing purposes;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Creating data models for internal use, such as making commercial decisions;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Selling or providing data models to external third parties;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improving the security of both the user and Capital At Call;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Managing internal business activities, including accounting;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using personal information in legal proceedings related to the use of the www.capitalatcall.com.au platform;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processing payments for products or services that the user has agreed to use;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sharing the user&#8217;s personal information with Capital At Call&#8217;s business partners or participating suppliers, who may offer information, promotions, or quotes about their own products and services;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Informing users of changes to the terms and conditions of the www.capitalatcall.com.au platform;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Informing users about new product offerings or promotions via email, mail, phone, MMS, or SMS;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using de-identified personal information for research and development purposes without the user&#8217;s explicit consent.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Access Rights: As the Data Controller, Capital At Call is responsible for storing and managing users&#8217; personal information, which is located in Australia (specific location available upon request). By using the site, users grant Capital At Call indefinite rights to use their data, and the distribution of personal information to third parties is at the discretion of the data controller, unless the user chooses to opt-out or unsubscribe.<\/span><\/p><p><span style=\"font-weight: 400;\">If a user wishes to amend or delete their personal information stored by Capital At Call or its associates or requests a Subject Access Request (SAR), they may reach us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page. Capital At Call will make reasonable efforts to allow users to access their personal information, unless doing so would compromise other users&#8217; privacy. If users do not consent to the use of their details for future marketing purposes, they may reach us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page at to opt-out.<\/span><\/p><p><b>Third-Party Sites:<\/b><span style=\"font-weight: 400;\"> Capital At Call may share users&#8217; personal information with relevant third-party businesses, but it is not responsible for the privacy policies of third-party applications and websites that it does not manage or own. Users are responsible for reviewing the privacy policies of these sites.<\/span><\/p><p><b>Complaints:<\/b><span style=\"font-weight: 400;\"> If users have concerns about the privacy policy or suspect a privacy breach, they may reach us via our <\/span><a href=\"https:\/\/capitalatcall.com.au\/contact-us\"><span style=\"font-weight: 400;\">CONTACT US<\/span><\/a><span style=\"font-weight: 400;\"> page to file a complaint. A formal procedure for investigating privacy breaches will be followed, and a Privacy Officer will handle the investigation. If a breach is found, the Privacy Officer will escalate the matter to management to prevent further breaches from occurring, and the user will be contacted regarding the outcome of the investigation.<\/span><\/p><p><span style=\"font-weight: 400;\">All complaints and requests will be treated confidentially, and a representative will contact the user to discuss their concerns and provide options for resolution. By using the site, users agree to the privacy policy and terms and conditions set forth, and continued use indicates agreement with any changes made.<\/span><\/p><p><b>Security:<\/b><\/p><p><span style=\"font-weight: 400;\">Users are responsible for reading and keeping up-to-date with the latest terms and conditions. Capital At Call may occasionally employ technology to improve website security.<\/span><\/p><p><b>Third-Party Advertisements &amp; Links:<\/b><\/p><p><span style=\"font-weight: 400;\">For user convenience, we provide links and advertisements to external websites. However, Capital At Call cannot guarantee the accuracy or reliability of these links and ads. Capital At Call does not endorse the accuracy or reliability of any advertisements that link to www.capitalatcall.com.au. Not all advertised items, learning materials, or resources on the website are available for download or purchase.<\/span><\/p><p><b>Viruses &amp; Cookies:<\/b><\/p><p><span style=\"font-weight: 400;\">While Capital At Call uses advanced technology to protect its users, it cannot be held liable for any direct or indirect damages to electronic devices caused by accessing the website. It is the user&#8217;s responsibility to safeguard their electronic devices and fully indemnify www.capitalatcall.com.au against any direct or indirect damages caused by using the website.<\/span><\/p><p><span style=\"font-weight: 400;\">We use cookies on our website to enhance user experience and interactions.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These cookies enable the login process and allow users to navigate the website and use its features. Without these cookies, the website may not function correctly, and some features or services may be unavailable.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Our aim is to provide personalised and relevant content and features to our users. We may use cookies to remember your preferences while browsing the site. Additionally, we may use cookies to collect information about your browser, computer, device, IP address, and other hardware\/software information. If you access the website from a mobile device, we may also collect geolocation data, unique device identifier (UDID), or other transactional information for that device.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We and our advertisers and service providers may use analytics or performance cookies to improve how the website works. These cookies collect information about your website usage, such as the pages you visit the most, which helps us identify usage patterns and any difficulties you encounter. They also help us determine the effectiveness of our advertising.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We and our advertisers and service providers may use targeting cookies to deliver relevant ads. For instance, we may use targeting cookies to limit the number of times you see the same ad on our site. These cookies help us customise the advertising and content you see and measure the effectiveness of our campaigns.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We may use social plug-in tracking cookies for both members and non-members of social networks for analytics, behavioural advertising, and market research.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">We aggregate the information received from various cookies through our connected network of sites. We may link our anonymous cookie IDs with the anonymous Cookie IDs used by third parties, including some of our service providers. This aims to improve our ability to provide more relevant advertising and editorial content based on your activity across our connected network. We may also associate your browser or device with other browsers or devices you use.<\/span><\/p><p><span style=\"font-weight: 400;\">Capital At Call may combine the information from these cookies with other third-party data and share it with other organisations, such as advertisers, provided it is anonymised.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Privacy Policy General Information Please read carefully.\u00a0 By accessing, browsing, and uploading any materials on www.capitalatcall.com.au, you agree to abide by the terms and conditions outlined herein. Please be informed that Capital At Call is intended for individuals who are 18 years old and above. Failure to comply with any of the terms and conditions [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/pages\/3"}],"collection":[{"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":17,"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/pages\/3\/revisions"}],"predecessor-version":[{"id":335,"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/pages\/3\/revisions\/335"}],"wp:attachment":[{"href":"https:\/\/capitalatcall.com.au\/wp-json\/wp\/v2\/media?parent=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}