Credit Where Debits Due (creditwheredebitsdue.com) respects your privacy. This policy explains what personal information I collect, why I collect it, how I store it, and the choices you have.
What I collect
I only collect personal information you choose to give me:
Newsletter: your name and email address when you sign up to receive new articles by email.
Contact form: your name, email address and the contents of your message when you contact me.
I don't ask for, and you shouldn't send me, sensitive information such as financial account details, tax file numbers or health information.
How I use it
Newsletter details are used only to send you new articles and occasional updates from Credit Where Debits Due.
Contact form details are used only to read and reply to your message.
I don't sell, rent or trade your personal information, and I don't share it with anyone for their own marketing.
Email newsletters
I only send newsletters to people who have signed up. Every newsletter email identifies me as the sender and includes a way to unsubscribe, and I action unsubscribe requests promptly. You can also ask me to remove your details at any time through the Contact page.
How I store it
Newsletter signups and contact messages are stored in a secure database that only the site's administrator can access. My website hosting and database providers store data on servers located outside Australia, including in South Korea and other countries. I take reasonable steps to protect your information from misuse, interference, loss and unauthorised access.
Cookies and similar technologies
This site currently uses only the technical storage needed for the site to work. I don't currently use advertising or analytics cookies.
In future I may display advertising through Google AdSense. If I do:
Third-party vendors, including Google, use cookies to serve ads based on your previous visits to this website and other websites.
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this and other sites.
You can opt out of personalised advertising by visiting Google's Ads Settings (adssettings.google.com), or opt out of some third-party vendors' use of cookies for personalised advertising at www.aboutads.info.
Visitors from the European Economic Area, the United Kingdom and Switzerland will be asked for consent before advertising cookies are used.
I'll update this policy, including naming any other advertising or analytics providers, before any advertising or analytics cookies are introduced.
Links to other websites
Articles may link to other websites. I'm not responsible for their content or privacy practices, so please read their privacy policies.
Children
This website is intended for adults. I don't knowingly collect personal information from anyone under 18.
Accessing or correcting your information
You can ask to see the personal information I hold about you, ask me to correct it, or ask me to delete it, by contacting me through the Contact page at creditwheredebitsdue.com/contact. I'll respond within a reasonable time.
Complaints
If you have a concern about how I've handled your personal information, please contact me first through the Contact page. If you're not satisfied with my response, you can contact the Office of the Australian Information Commissioner (oaic.gov.au).
Changes to this policy
I may update this policy from time to time. The date at the top of this page shows when it was last changed.