Privacy Policy

Privacy Policy

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Privacy & Cookies Policy Introduction

1. This Privacy Policy is Cryomed’s official privacy policy as required by the Privacy Act 1988 (the “Act”) and the Australian Privacy Principles (the “APPs”) and it applies to all personal information about individuals collected by cryomedvip.com. In this policy we explain how and why we collect personal information about individuals, how we use it, and what controls individuals have over our use of it.

2. Cryomed is committed to complying with Commonwealth legislation (the Act and the APPs) that deals with how businesses may collect, hold and use personal information about individuals and to protecting and safeguarding individuals’ privacy when they deal with us.

Collection of information

3. Some information provided to us by clients, customers and other parties might be considered private or personal. However, without such information, we would not be able to carry on our business activities and provide our services. We will only collect such personal information if it is necessary for one of our functions or activities. The kinds of personal information that Cryomed may collect and hold in respect of individuals include:

• names;
• contact details and identification information;
• financial information, including information about transactions and trading history with Cryomed;
• information about credit history.

4. In particular, personal information is collected in the following situations by Cryomed:

• if an individual contacts cryomedvip.com, we may keep a record of that communication or correspondence;
• when applying for and/or establishing and/or accessing an account with us or ordering or services from us;
• when conducting certain types of transactions such as cheque, credit card and online payments and purchases or refunds;
• completing on-line forms or questionaires;
• when an individual submits their contact details to be included on our mailing lists;
• When an order is placed with us to purchase goods we may require individuals to provide us with contact information including name, address, telephone number or email address and financial information (such as credit card details) for the purposes of processing and fulfilling such an order.

5. At or before the time the personal information about an individual is collected by us, we will take reasonable steps to ensure that the individual is made aware of who we are, the fact that the individual is able to gain access to the information held about the individual, the purpose of the collection, the type(s) of organisations to which we may usually disclose the information collected about the individual, any laws requiring the collection of the information and the main consequences if all or part of the information is not collected.

6. We usually collect personal information about individuals directly from the individual. However, sometimes we may need to collect personal information about individuals from third parties for the purposes described below in this policy. The circumstances in which we may need to do this include, for example, where we need information from a third party to assist us to process an application (such as to verify information an individual has provided or to assess the individual’s circumstances) or to assist us to locate or communicate with the individual. Use of information collected and disclosure of personal information to others

7. We may use or disclose personal information held about an individual as permitted by law and for the business purposes for which it is collected (e.g. provision of our services, including administration of our services, notifications about changes to our services, record-keeping following termination of our services and technical maintenance) – that is, to carry on our business activities and provide services to our customers. We may also use such information about individuals for a purpose related to the primary purpose of collection and where the individual would reasonably expect that we would use the information in such a way. This information is only disclosed to persons outside our business in the circumstances set out in this policy or as otherwise notified at the time of collection of the information.

8. Cryomed business purposes for which personal information is collected, used and disclosed may include:

• processing an application or product order or service request (including verifying a person’s identity for these purposes);
• managing our products and services or other relationships and arrangements, including processing receipts, payments and invoices;
• assessing and monitoring creditworthiness;
• detecting and preventing fraud and other risks to us and our customers;
• responding to inquiries about applications, accounts or other products, services or arrangements;
• understanding our customers’ needs and developing and offering products and services to meet those needs;
• researching and developing our products and services and maintaining and developing our systems and infrastructure (including undertaking testing);
• dealing with complaints;
• meeting legal and regulatory requirements. Various Australian laws may expressly require us to collect/and or disclose personal information about individuals, or we may need to do so in order to be able to comply with other obligations under those laws;
• enforcing our rights, including undertaking debt collection activities and legal proceedings.

9. In addition we are permitted to use or disclose personal information held about individuals:

• where the individual has consented to the use or disclosure;
• where we reasonably believe that the use or disclosure is necessary to lessen or prevent a serious, immediate threat to someone’s health or safety or the public’s health or safety;
• where we reasonably suspect that unlawful activity has been, is being or may be engaged in and the use or disclosure is a necessary part of our investigation or in reporting the matter to the relevant authorities;
• where such use or disclosure is required under or authorised by law (for example, to comply with a subpoena, a warrant or other order of a court or legal process);
• where we reasonably believe that the use or disclosure is necessary for prevention, investigation, prosecution and punishment of crimes or wrongdoings or the preparation for and conduct of proceedings before any court or tribunal or the implementation of the orders of a court or tribunal by or on behalf of an enforcement body;
• where a customer (being the individual or related to the individual) has requested a service to be provided by us and we are required to disclose the information to a third party in order to facilitate the provision of the service. In most, if not all cases, any such disclosure will be with the consent of the individual.

10. Third parties to whom we may disclose personal information about individuals in accordance with Cryomed business purposes set out above may include:

• Cryomed’s legal advisors;
• Cryomed’s IT service providers;
• regulatory bodies in Australia i.e. TGA
• Cryomed’s financial advisors;
• participants in financial and payment systems, such as other banks, credit providers, and credit card associations;
• guarantors and security providers associated with individuals;
• debt collectors;
• other credit providers and trade suppliers.

11.  Some of the third parties to whom we disclose personal information may be located outside the state or territory in which the information was collected or outside Australia. The state/territories and countries in which such third parties are located will depend on the circumstances. For example, we may disclose personal information to our related companies in New Zealand.

Anonymity and Pseudonymity

11. Individuals have the option of dealing with Cryomed anonymously. However, this only applies where is not impracticable for Cryomed to deal with individuals acting anonymously or under a pseudonym. For example, individuals making general enquiries of Cryomed may do so anonymously or under a pseudonym. However, if the dealing with Cryomed is for Cryomed to supply goods and services and/or to enter into contractual relations then it is impractical for individuals to deal with Cryomed on an anonymous basis or under a pseudonym.

Direct Marketing

12. As part of Cryomed’s functions and business activities and to promote the services we can provide to our customers, Cryomed may use personal information that individuals have provided to Cryomed for the purposes of direct marketing. Direct marketing includes, but is not limited to, sending to our customers and other parties (including individuals) and/or contacting our customers (including individuals) in relation to promotions and information about Cryomed. Recipients of direct marketing are always able to opt-out of receiving direct marketing communications by sending an email to Cryomed’s Privacy Officer at: [email protected] In any direct marketing communication we remind recipients of their right to opt-out of receiving direct marketing communications.