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At WBI we believe in building long-term relationships with our clients, and to do this we must serve you, respect you, and honour your wishes and what is best for you.
WBI takes very seriously the confidentiality of it's members and clients personal details. Additionally, WBI has very strict guidelines as to how we handle and store your personal information.
The Privacy Policy
below governs your dealings with WBI International,
A. Overview
B. Information We Collect
C. Our Use and Disclosure of Information
D. Information Security
E. Accessing and Changing Your Information
F. Contacting Us
A. Overview
Your privacy is important to us. In order to operate the
International Investment Community Database service, (hereafter
referred to as 'IICD'), and to reduce the risk of fraud, WBI
International Pty Ltd ("WBI International" or "we")
must ask you to provide to us certain information about yourself
and in the event of transactions, for information about your
credit card and/or bank account. This Privacy Policy describes
the information we collect and how we use that information.
WBI International takes the privacy of your personal information
very seriously and will use your information only in accordance
with the terms of this Privacy Policy. We will not sell or
rent your personally identifiable information or a list of
our customers to third parties. However, as described in more
detail in Part C below, there are limited circumstances in
which some of your information will be shared with third parties,
under strict restrictions, so it is important for you to review
this Privacy Policy. This Privacy Policy applies to all services
that are hosted by WBI International, including on the WBI
International.com Web site, whether the services are offered
by WBI International, or by its subsidiaries, or affiliates.
By accepting the Privacy Policy and User Agreement in registration,
you expressly consent to our use and disclosure of your personal
information in the manner described in this Privacy Policy.
This Privacy Policy is incorporated into and subject to the
terms of the WBI International User Agreement. This Privacy
Policy will take effect on May 20, 2003. This Privacy Policy
was last updated on July 7, 2003.
Please note that your personal information will be stored
and processed on our computers in Australia. The laws on holding
personal data in Australia may be less stringent than the
laws of your country but WBI International will hold and transmit
your personal information in a safe, confidential and secure
environment. If you object to your personal information being
transferred or used as described in this Privacy Policy, please
do not register for the IICD service.
Notification of Changes
This policy may be revised over time as new features are added
to the IICD service or as we incorporate suggestions from
our customers.
We will post the amended Privacy Policy prominently on our
Web site so that you can always review what information we
gather, how we might use that information, and whether we
will disclose it to anyone. Please check the WBI International
Web site at www.WorldsBestInvestments.com.au at any time for
the most current version of our Privacy Policy.
WBI International Shops and other pages on the WBI International
Web site include links to third party Web sites. These sites
are governed by their own privacy statements, and WBI International
is not responsible for their operations, including but not
limited to their information practices. Users submitting information
to or through these third party Web sites should review the
privacy statement of these sites before providing them with
personally identifiable information.
A Special Note About Children. Children are not eligible
to use our service and we ask that minors (under the age of
18) do not submit any personal information to us or use the
service.
B. Information We Collect
Required Information
To open a WBI International account, as a minimum you must
provide;
- your full name
- Address
- Phone number
- E-mail address
- Date of Birth
- Personally selected User ID
- Password
- Two different security questions to answer (such as your
mother's maiden name or the name of your high school). This
information is necessary for us to issue new passwords if
you forget or lose your password, protect you against credit
card fraud, and to contact you should the need arise in administering
your account.
Web Site Traffic Information
Because of the way that World Wide Web communication standards
work, when you arrive at or leave the WBI International Web
site, we automatically receive the Web address of the site
that you came from or are going to. We also collect information
on which pages of our Web site you visit while you are on
the WBI International site, the type of browser you use and
the times you access our Web site. We use this information
only to try to understand our customers' preferences better
and to manage the load on our servers, so as to improve our
service and your experience with WBI International. We do
not track the Web sites that you visit before or after you
leave the WBI International site.
Our Use of "Cookies"
"Cookies" are small files of data that reside on
your computer and allow us to recognize you as a WBI International
customer if you return to the WBI International site using
the same computer and browser. We send a "session cookie"
to your computer if and when you log in to your WBI International
account by entering your e-mail address and password. These
cookies allow us to recognize you if you visit multiple pages
in our site during the same session, so that you don't need
to re-enter your password multiple times. Once you log out
or close your browser, these session cookies expire and no
longer have any effect.
We also use longer-lasting cookies to display your e-mail
address on our sign-in form, so that you don't have to retype
the e-mail address each time when you log in to your WBI International
account. In addition, we use cookies to process our referral
program, described in Section C below. Our cookie files are
encoded so that your e-mail address and other information
can only be interpreted by WBI International. We may, however,
share cookie information regarding whether or not a certain
user is already registered with WBI International with certain
merchants with whom we have an official co-marketing relationship.
Customer Service Correspondence
If you send us correspondence, including e-mails and faxes,
we retain such information in the records of your account.
We will also retain customer service correspondence and other
correspondence from WBI International to you. We retain these
records in order to measure and improve our customer service,
and to investigate potential fraud and violations of our User
Agreement. We may, over time, delete these records if permitted
by law.
Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys
to our users for such purposes as collecting demographic information
or assessing users' interests and needs. The use of the information
collected will be explained in detail in the survey itself.
If we collect personally identifiable information from our
users in these questionnaires and surveys, the users will
be given notice of how the information will be used prior
to their participation in the survey or questionnaire.
Non-member Recipients and Requests
When a member either sends a payment to, or requests a payment
from, an individual who is not a registered member of WBI
International, we will retain the information that the member
submits to us, including, for example, the other party's email
address and/or name, for the benefit of the member who is
attempting to contact the non-member. These non-members have
the same rights to access and correct information about themselves
(assuming that their email addresses were correct enough to
reach them) as anyone else who uses the IICD service.
C. Our Use and Disclosure of Information
Internal Uses
We collect, store and process your personal information on
servers located in Australia. We use the information we collect
about you in order 1) to provide our services and process
your transactions, 2) to provide customer service, 3) to determine
your eligibility to receive offers for special features or
products, such as the WBI International Platinum Service,
and 4) to improve our products and services. At your option
(as indicated in Application Form), we use the information
you provide to access specific third party services on your
behalf and perform the actions that you request us to perform,
such as requesting investment information.
We give access to individually identifiable information about
our users only to those employees who require it to fulfil
customer service requests.
Disclosure to Other WBI International Customers
If you are a registered IICD subscriber, your name, e-mail
address, and date of sign-up may be displayed to other WBI
International customers in order for them to contact you about
investment information. If you do not wish to be identified
in this way, you need to list alternative details on your
Application Form and advise us to create your user ID in an
anonymous fashion. The Application Form will give you this
opportunity. All information you submit for inclusion in the
IICD forum is to be considered public forum as this will be
visible to all users of the database. By utilising our service,
you agree to the posting off all such information in the public
domain.
Your credit card, bank account and other financial information
will NEVER be revealed to anyone, except if we are required
to do so pursuant to a court order, subpoena or other legal
process.
Disclosure to Third Parties Other Than WBI International
Customers
WBI International will not sell any of your personally
identifiable information to third parties. WBI International
will not share any of your personally identifiable information
with third parties except in the limited circumstances described
below, or with your express permission (and to other WBI International
customers as described above). These third parties are limited
by law or by contract from using the information for secondary
purposes beyond the purposes for which the information is
shared.
We share information with selected 3rd party organisations
that assist us to provide improved value to our clients, such
as the provision of specific services we deem to be of interest
to our client base. In all circumstances, you are able to
request of us that you are removed from any further notifications
by sending an email to unsubscribe@WorldsBestInvestments.com.au
We disclose the information we collect, as described in Section
B above, to companies that perform marketing services on our
behalf or to other financial institutions with whom we have
joint marketing agreements (for example, we may disclose information
to organisations that need to determine customers' eligibility
for the products or services we offer, and also so that WBI
International and selected 3rd party providers can better
match the products we offer to our customers' needs). These
companies are where possible subject to confidentiality agreements
with us and other legal restrictions that prohibit using the
information except to market the specified WBI International-related
products or services, unless you have affirmatively agreed
or given your prior permission for other uses.
We disclose information that we in good faith believe is
appropriate to cooperate in investigations of fraud or other
illegal activity, or to conduct investigations of violations
of our User Agreement. Specifically, this means that if we
conduct a fraud investigation and conclude that one side has
engaged in deceptive practices, we can give that person or
entity's contact information (but not bank account or credit
card information) to victims who request it.
We disclose information in response to a subpoena, warrant,
court order, levy, attachment, order of a court-appointed
receiver or other comparable legal process, including subpoenas
from private parties in a civil action.
When a user signs up for a co-branded version of WBI International
through links on our co-branded partner's website, WBI International
will share with the co-branded partner that user's name, e-mail
address and physical address in order to provide enhanced
integration between WBI International' services and the services
of our co-branded partner. If a user does not want his or
her information shared with WBI International' co-branded
partner, he or she should not use this aspect of the site.
We disclose information to your agent or legal representative
(such as the holder of a power of attorney that you grant,
or a guardian appointed for you).
We share aggregated statistical data with our business partners
or for public relations. For example, we may disclose that
a specific percentage of our users live in Australia. However,
this aggregated information is not tied to personally identifiable
information.
As with any other business, it is possible that WBI International
in the future could merge with or be acquired by another company.
If such an acquisition occurs, the successor company would
have access to the information maintained by WBI International,
including customer account information, but would continue
to be bound by this Privacy Policy unless and until it is
amended as described in Section A above.
We share your information with our parent, subsidiaries and
joint ventures to help coordinate the services we provide
to you, enforce our terms and conditions, and promote trust
and safety.
Our Contacts with WBI International Customers
We communicate with users on a regular basis via e-mail to
provide requested services, and we also communicate by phone
to resolve customer complaints or investigate potential breaches
of the Usage Terms & Conditions. We may use your e-mail
address to confirm your opening of a WBI International account,
to send you notice of payments that you have sent is (including
referral payments described below), to send information about
important changes to our products and services, and to send
notices and other disclosures required by law. Generally,
users cannot opt out of these communications, but they will
be primarily informational in nature rather than promotional.
We also use your e-mail address to send you other types of
communications that you can control, including periodical
newsletters, investment tips, customer surveys and notice
of special third-party promotions. You can choose whether
to receive some, all or none of these communications when
you complete the registration process, or at any time thereafter,
by contacting us via one of our primary contact methods.
In connection with independent audits of our financial statements
and operations, the auditors may seek to contact a sample
of our customers to confirm that our records are accurate.
However, these auditors cannot use personally identifiable
information for any secondary purposes.
Internet Address Information
We use IP addresses, browser types and access times to analyse
trends, administer the site, improve site performance and
gather broad demographic information for aggregate use.
Your Use of Information and Our Services
In order to facilitate the transactions between WBI International
members, our service allows you limited access to other users'
contact information. As a subscriber you may have access to
the User ID, email address and other contact information of
other subscribers as well as of investment providers.
By entering into our User Agreement, you agree that, with
respect to other users' personally identifiable information
that you obtain through the site or through an WBI International-related
communication or WBI International-facilitated transaction,
you will only use this information for: (a) WBI International-related
communications that are not unsolicited commercial messages,
(b) using services offered through WBI International (e.g.
purchase of educational material), and (c) any other purpose
that such user expressly agrees to after adequate disclosure
of the purpose(s).
In all cases, you must provide users with the opportunity
to remove themselves from your database and review any information
you have collected about them. In addition, under no circumstances,
except as defined in this Section, can you disclose personally
identifiable information about another WBI International user
to any third party without our consent and the consent of
such other user after adequate disclosure. Note that law enforcement
personnel and other rights holders are given different rights
with respect to information they access.
WBI International does not tolerate spam. Therefore, without
limiting the foregoing, you may not add a WBI International
or IICD subscriber, or investment provider to your mail list
(email or physical mail) without their express consent after
adequate disclosure, even if said user has previously made
a purchase from you. We strictly enforce our Anti-Spam Policy!
To report WBI International related spam to WBI International,
please contact us.
Referral Program
When you sign up for a WBI International or IICD subscription,
we send you details on how you can obtain benefit with us
by referring us to people known to you. This can be done either
by asking the person you refer to us to quote your Membership
Number or through electronic means (i.e. by us providing you
a referral link that you can forward to your friends that
identifies you as the referrer). If a friend signs up or purchases
a subscription, you may be eligible for a referral bonus (conditions
apply). Alternatively, when you submit an investment profile
to us, you are eligible to receive a Members' Investment Profile
as a bonus.
Please use our referral program responsibly. We strictly
enforce our Anti-Spam Policy! Read details on the Refer-A-Friend
Bonus.
Information Security
Information Security
WBI International is committed to handling your customer information
with high standards of information security. Your credit card
and bank account information are stored only on secured computers
that are not connected to the Internet. We restrict access
to your personally identifiable information to employees who
need to know that information in order to provide products
or services to you. We maintain physical, electronic and procedural
safeguards. We test our security systems regularly.
The security of your WBI International account also relies
on your protection of your WBI International password. You
may not share your WBI International password with anyone.
WBI International representatives will never ask you for your
password, so any e-mail or other communication requesting
your password should be treated as unauthorized and suspicious.
If you do share your WBI International password with a third
party for any reason, including because the third party has
promised to provide you additional services such as account
aggregation, the third party will have access to your account
and your personal information, and you may be responsible
for actions taken using your password. If you believe someone
else has obtained access to your password, please change it
immediately by contacting our Head Office on +61 1300 660
686 or by emailing security@WorldsBestInvestments.com.au Also
contact us right away as described in Section F below.
E. Accessing and Changing Your Information
You can review the personal information you provided us and
make any desired changes to such information, or to the configuration
of your WBI International account, at any time by contacting
us on the numbers outlined below, and requesting your information
be sent to you. Obtaining information in this way may incur
a charge. If you close your WBI International account, we
will mark your account in our database as "Closed,"
but will keep your account information in our database. This
is necessary in order to deter fraud.
F. Contacting Us
If you have any questions about this privacy statement, WBI
International' information practices, or your dealings with
WBI International, you can contact us by calling +61 1300
660 686 Monday through Friday between the hours of 9am and
5pm AEST, or write us at WBI International International,
P.O. Box 1608, Crows Nest, NSW 1585, AUSTRALIA.
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