Thank you for visiting this web site. We understand the importance that Internet users place on privacy, and this Privacy Policy describes how we use personal information that is collected at this web site. Please read this Privacy Policy before using this site or submitting any personal information. By using this web site, you accept the privacy practices contained in this Privacy Policy. These privacy practices may change from time to time, but any changes will be posted.

You are encouraged to review the Privacy Policy whenever you visit the web site to make sure you understand how any personal information you provide will be used.

Information We Collect In order to serve our customers, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, and sometimes credit card information when such information is voluntarily submitted by our visitors. We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have
requested;

(2) to validate your compliance with the terms and conditions;

(3) for content
improvement and feedback purposes; and

(4) to reach you, when necessary, regarding your use
of the web site or product(s).

We will NEVER share your information with third parties unless you have given us explicit permission to do so, such as in order to fulfill a third party offer that you have accepted from us.

PLEASE NOTE: By completing the request for a free consultation, you are giving us permission to provide your contact details to a third part provider (our partners) of relevant services who will subsequently contact you. Also, by permitting us to collect this information, you will be able to receive free information on products and services that may be of interest to you, including related third party offers that we may send to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service. By submitting your email address on this web site, you agree to receive email from us. You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do.

In addition, you agree that by submitting your email address on this web site and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the Amended Telemarketing Sales Rule (ATSR), 16 CFR ‘310 et seq. and any applicable state and local “do not call” regulations. We retain the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations.

Third Party Actions

We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies, but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.

Cookies

We may use cookies to deliver content that is specific to your interests. Cookies are text files that are used by your computer’s web browser to store your preferences, and enable us to enhance your user experience with our web site.

IP Addresses

We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

Third Party Web Sites

This web site and/or the products and/or services offered herein may direct you to web sites that are owned and/or controlled by third parties. We have no control over those third parties and are not responsible for the content or the privacy practices of those sites or companies.

Commitment to Data Security

All information collected from you is stored in a technically and physically secure environment. We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.

Contacting Us

If you need to contact us, you can email via our contact form on this website.

We strive to provide excellent products, along with equally excellent customer service. If you have any questions about this Privacy Policy or our practices, please feel free to contact us using the contact us form on this website.

Information Disclaimer

The information on this web site is not meant to take the place of health care or services you may need. Please see your primary health care provider about any personal health concerns.

Disclaimer of Warranties for Site Contents

Information accessed through this online site is provided “AS IS” and without any warranty, express or implied. All implied warranties of merchantability and fitness for a particular use or purpose are hereby excluded. Owl Cards and the operator(s) of this site make no warranty as to the reliability, accuracy, timeliness, usefulness or completeness of the information provided.

Note that Owl Cards simply markets the products displayed on this site. We cannot accept responsibility for the products and their effects. For all product related inquiries, please contact the manufacturer direct.

Any rights not expressly granted herein are reserved.

Use of this Website

Access to this web site is conditional upon your acceptance of and compliance with the terms, conditions, notices and disclaimers contained in this document (known as “Terms of Use”). By viewing, accessing or using the Owl Cards website (‘Site’), including any liked page or related content, you agree to be bound by and accept the following terms and conditions. Owl Cards reserves the right to amend the Conditions of Use at any time.

Information on this web site is provided by Owl Cards ABN 84 584 112 171. The information provides general information on the products and services promoted by Owl Cards.

Information provided in this web site does not constitute an offer or an intention to enter into a legally binding contract. It is presented as general information only and does not take into consideration your personal needs, health condition or financial situation. Where reference to legal or other compliance information, you should take this information into consideration along with your own personal and financial situation before making any purchasing decision.

The Content was current at 18 April 2011. The information on this Site may change and although Owl Cards attempts to keep the content current, it does not guarantee its currency as there may be delays, errors or omissions. We may change Rules and benefit levels from time to time. Therefore, If you anticipate seeking any claim which may be payable by Owl Cards please contact us.

We will make all reasonable effort to ensure that the Site is available 24 hours a day, seven days a week. However, electronic services are subject to interruption or breakdown. Therefore, access to our web site is offered on an “as is” and “as available” basis only.

By registering for our online services, you consent to Owl Cards sending you marketing, promotional and other commercial e-mails to the address you provide on registration unless you opt out. You can opt out of receiving these emails at any time by contacting us .

Online Web Services

1. Owl Cards reserves the right at any time to time to modify or discontinue, temporarily or permanently, all or any part of the information on this site with or without notice. You agree that Owl Cards will not be liable to you or to any third party for any modification, suspension or discontinuance of all or any of the online services.
2. you will not upload, send, post or otherwise transmit to this website any unsolicited messages or any offensive, harmful, defamatory, fraudulent or otherwise unlawful material or any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
3. you will not use this website or any of the online web services for any purpose that is unlawful, breaches any law, infringes a third party’s rights or is prohibited by these Terms of Use, including anything which affects the security of this website or interferes with other users (including transmission of spam).
4. you will not copy any content from this website withour prior consent of the owner.

Links to Other Web Sites

Links to third party web sites provided on this site are provided in good faith. We do not have control over the content or functions provided on these sites and recommend that you abide by the website terms and conditions of use for these sites.

Any product offers or statements made on third party sites are the responsibility of the operator of the third party site. If you intend to download any software or purchase any product or service from a third party site please read any relevant terms and conditions and ensure the product is right for you.

Owl Cards may receive payments from operators of third party web sites in relation to products or services supplied by the operator as a result of you linking to the third party web site.

Security

Owl Cards takes responsible measures to ensure that any information provided to us over the internet is kept secure. However Owl Cards will not be responsible for any unauthorised access to that information during its transmission to us. There is the risk that information sent to or from this Site may be intercepted, corrupted or modified by third parties. Owl Cards makes no warranty about the strength or effectiveness of the encryption of information sent across this Site and Owl Cards is not responsible for events arising from unauthorised access to information provided by users over this Site. There are alternative methods of providing us with information and this can be discussed by contact 1800 813 415 during business hours.

Jurisdiction

The law applicable to this website and to disputes arising out of its use is the law of the State of Queensland, Australia. The parties submit to the non-exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, Owl Cards and any of its staff or agents is not liable to you for any losses, damages, liabilities, claims and expenses whatsoever arising out of or referable to material, or any error, omission or misrepresentation on the Owl Cards Web Site.

You further acknowledge that risks of damage to your software, hardware or stored information may arise due to your use of this Site. Owl Cards is not liable for any damage or loss incurred by you as a result of using the Site. You are responsible for maintaining the security of your own software, hardware and stored information.

Termination

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on this web site) and your access to the this web site may be terminated at any time by Owl Cards without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by Owl Cards will survive termination, however, you will no longer be authorised to access this web site.

Copyright

The information and material contained in this site is subject to copyright which is owned by Owl Cards. Except where necessary for viewing the material on this web site, or for non-commercial use, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Owl Cards.

Referrals

Owl Cards may be paid a commission for providing leads to suppliers of debt solutions. Consequently, we will pass on all information collected on our website to partners that provide these services. The user of this website consents to the provision of information to third parties for this purpose.

Acceptance of Terms of Use

You acknowledge and accept that your use of this web site indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

Owl Cards may at any time vary these Terms of Use by publishing the varied Terms of Use on this web site. You accept that by Owl Cards doing this, we have provided you with sufficient notice of the variation.