Privacy Policy
Understanding how Market Linen protects your personal information in accordance with Victorian and Australian law.
Last Updated: 2024
1. Introduction and Scope
Market Linen ("we", "us", or "our") operates the website dedicated to educating users about credit limits and credit ratings. We are committed to protecting the privacy and confidentiality of the personal information we collect from our users in Victoria and across Australia.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. This document has been drafted to comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and where applicable, the Privacy and Data Protection Act 2014 (Vic).
DISCLAIMER: This Privacy Policy is a general template and does not constitute legal advice. Users are encouraged to seek professional legal counsel regarding specific compliance requirements.
2. Information We Collect
We collect personal information that you voluntarily provide to us or that is collected automatically through your interaction with our platform.
Personal Data
- Full name and contact details
- Email address and phone number
- Financial interest data (related to credit limit inquiries)
- Information provided via contact forms
Automated Data
- IP addresses and browser types
- Operating system and device identifiers
- Usage patterns and page interaction data
- Cookies and tracking pixel data
3. Use of Information and Legal Basis
Under Australian law, we only process your information when we have a valid legal reason to do so. These include:
Consent
Where you have given clear consent for us to process your personal data for a specific purpose (e.g., subscribing to a newsletter or requesting credit limit guides).
Legitimate Interests
Processing that is necessary for our legitimate interests, such as improving our website content, ensuring network security, and analyzing user engagement with our credit educational materials.
Legal Obligation
Processing necessary for compliance with a legal obligation to which Market Linen is subject under Victorian or Commonwealth law.
4. Data Retention and Security
We retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.
Market Linen employs industry-standard security measures, including SSL encryption and secure server protocols, to protect your data. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
5. Disclosure of Your Information
We may share information we have collected about you in certain situations:
- Service Providers: We may share your information with third-party vendors who perform services for us, such as data analysis, email delivery, and hosting services.
- By Law: Where required by the Privacy Act 1988 or in response to valid requests by public authorities (e.g., a court or a government agency in Victoria).
- Business Transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business.
We do not sell, rent, or lease our customer lists to third parties for marketing purposes.
6. Your Rights Under Australian Law
As a resident of Victoria, Australia, you have specific rights regarding your personal information under the APPs:
To exercise any of these rights, please contact our Data Protection Officer using the details provided below. We will respond to your request within 30 days.
7. Cookie Policy
Market Linen uses cookies and similar tracking technologies to track the activity on our service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service. For more details, please visit our Cookie Policy.
8. Contact Us
If you have questions or comments about this Privacy Policy, or if you wish to lodge a complaint regarding our handling of your data, please reach out to us:
Email: Phone: +1 (205) 739-5832
Address: 152 Elizabeth Street, Melbourne VIC 3000, Victoria
If you are not satisfied with our response to a complaint, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.