Privacy Policy

Exitadvisor.com.au is operated by CLOUTA.CO PTY LTD ACN 630 702 519 ( “Exit Advisor”, “ExitAdvisor.com.au”  “we”, “our”, “us”). We hold your privacy concerns in the highest regard. This Privacy Policy explains how we manage your personal information and how to contact us if you have any privacy concerns. We also outline our obligations under the Privacy Act 1988 (Cth).  This includes the Australian Privacy Principles (APP) and European data protection laws.

This Privacy Policy applies to our guests, visitors to our websites and apps, and any individual who interacts with us. 

We also have terms that apply when you use our offerings on our websites or apps. Please read these terms prior to purchasing or using any of our offerings.

Your consent

We will assume that, unless you tell us otherwise, you consent to the collection of the information you provide us (either directly or indirectly) for use and disclosure by us in accordance with our Privacy Policy.

We will only collect sensitive information (a category of information that includes things like your health, political or religious opinions, sexual preferences and genetic or biometric information) from you with your consent and where it is reasonably necessary for us to provide you with services or carry out our functions and activities.

We do not use your health or other sensitive information for marketing purposes.

Kinds of personal information we collect

We collect your personal information so we can provide you with our services that you have requested and also to carry out our functions and activities.

We also collect your personal information so we can improve the service we provide and also give you the option to register for products, services, events and promotions that might be of interest to you. These may be provided by us or a third party.

We only collect information about you where it is fair and lawful to do so.

If we ask you for your personal information and you do not provide it to us, we may not be able to provide you with any or all of our offerings.

We usually collect information directly from you. For example, when you submit information through our website, Facebook accounts, Facebook Messenger, other messenger apps, other websites owned by us, when you call or email us, in the course of providing you with a requested product, service or when you have other dealings with us.

The type of personal information that we collect depends on how you interact with us.

Examples of the personal information we may collect include:

- Contact forms:

- Information that you send us in our online contact forms including but not limited to bank account details.

- Registration:

- information that you provide to open an account and create a profile, including your phone number, first name, last name and email address.

- if you register for a promotion or competition.

- Applications:

- If you apply for a position with us.

- Usage information and feedback:

- information about your mobile device e.g. the hardware model, operating system and version, preferred language, unique device identifier and mobile network information.

- if you give us feedback about our service or products, or otherwise interact with us, then we will collect the personal information that you provide.

- log information including IP address, access dates and times, app features or pages viewed, app crashes and browser type.

- Social media:

- If you visit our social media channels

- If you interact with us on our social media channels

- if you link your social account, we may collect your user name and information that you choose to share with us, such as your profile picture and contact details.

- Online assistance:

- when you use our live support features, an ExitAdvisor.com.au team member will see your contact details if you have created an account and will use details such as your first name to address you during conversations.

- we keep conversation scripts for quality assurance and training purposes.

We prefer to collect your personal information directly from you, but sometimes, we may collect your personal information from a third party including systems you have linked with your account, such as your social media account.

Any user or account holder using the ExitAdvisor.com.au website or contacting ExitAdvisor.com.au to provide another person’s personal information must have their consent to collect that personal information. Where you provide us with third party personal information, it is your responsibility to ensure that those persons are aware of this Privacy Policy, understand it and agree to accept it.

If you think your account or other details may have been obtained by someone who you don’t want to have access to your Account, please tell us immediately.

Using and disclosing your personal information

We may use or disclose your personal information for the purpose for which it was collected or to our partners that may contact you, but we will obtain your consent first.

Our partners may contact you about products or services that may be of interest to you, these partners may include advertising, affiliate and agency partners.

We may also use and disclose your personal information for a secondary purpose that is related to the purpose for which we collected it. For example:

- provide and administer our products and services.

- to allow you to compare products and/or obtain quotes for products or make enquiries.

- to send you a summary of your quote and comparison results.

- to provide to our business partners or participating suppliers so that they can (where you have agreed) provide you with updates or information about their products and services and provide you with reminders.

- unless you object, to communicate with you and make special offers to you.

- unless you object, to direct market our services to you.

- to administer competitions and promotions.

- perform internal operations including to prevent fraud and abuse, troubleshoot software problems and testing.

- communicate with you about your products, provide our services and verify your identity over the phone.

- communicate with you after you have used our offerings, including requesting your feedback about your experience with us.

- communicate with third parties to provide the service requested.

- provide training to staff members to improve our service offerings.

- analyse most used features of our offerings and improve these based on feedback.

- to comply with our legal obligations.

Do you want to remain anonymous?

Where possible, you will have the option to remain anonymous or use a name other than your own (a “pseudonym”) when dealing with us. For example, if you are making a complaint. We will try to provide you with this option wherever we can. 

How we use technology to collect and use personal information 

Cookies

Our websites uses cookies to track user traffic information to give you the best experience of our website and for marketing purposes. Cookies are tiny files sent to your browser and stored by your browser on your computer or other device that you’re using to access our websites.

Analytics

We use analytics tools including Google Analytics, to generate statistics about our web and app usage.

The information we collect about our users includes:

- a unique device identifier

- date, time and location of your interaction

- the type of browser or mobile you use

- the services you have viewed or used

How we use cookies and analytics information

Cookies and web-tracking tools on our websites allow our websites to interact more efficiently and with the device you are using.

We use them to understand usage of our websites and apps, so we can improve the content and functioning of our offerings.

We may also use information collected by cookies and analytics tools to display personalised content and advertising (targeted advertising and online behavioural advertising), based on your internet usage, and to send you marketing materials that we think will be of interest to you.

Marketing and your personal information

We use your personal information to identify services and products that may interest you.

We may contact you by email, text message, phone or post to let you know about specials, promotions or new offerings. We may also use internet-based marketing including targeted online advertising.

We may disclose your personal information to other companies in the CLOUTA.CO Group, our related entities and corporate partners to allow them (or us) to tell you about an offering. We may also disclose your personal information to third party agents or service providers who we engage to assist in the provision of products and services. 

If we disclose your personal information to our corporate partners or participating suppliers, they will use, deal with and manage your personal information in accordance with their privacy policies.

You can contact us at anytime if you no longer wish to receive marketing materials from us, our related entities or partners. If you receive a marketing email from us, you may click on the “unsubscribe” link at the bottom of the email to opt out. We will provide this feature with any of our marketing communications.

Keeping your personal information safe

We mostly hold personal information electronically in our IT systems and databases. We also may hold personal information in telephone recordings, social media applications, and in hard copy paper files. 

We may use third party service providers to store some personal information. These may include Australian and internationally based cloud services or the servers of third parties within and outside of Australia.

We take steps to protect the information that we hold about you from misuse, interference and loss, and from unauthorised access, modification or disclosure. We do this by using physical and electronic security systems and by limiting who can access your personal information. We have online and network security systems in place for our websites, so that the information you provide us online is protected and secure.

Because of the nature of the internet, we cannot guarantee the security of your personal information. Please contact us if you are aware of a breach.

If we no longer need information about you, or we are no longer required by law to hold it, we will destroy that information or ensure it is de-identified.

Keeping quality information

We like to ensure that the information we hold about you is accurate, up-to-date, relevant and complete. 

We review our customer databases and remove out-of-date, misleading or incorrect data.

You can help us by letting us know if your details change or we send you an email or letter that contains incorrect details.

Your right to access and correct your personal information

You have the right to access the personal information that we hold about you and to ask us to correct it.

 If you would like to check that the information we hold about you is correct, find out about what information we hold about you, or make a correction, please contact us at:

Attention: Privacy Officer
support@clouta.co 

When you contact us to access your personal information, we will need to verify your identity first and ask you some further questions so we can respond to your request quickly. We cannot give you information about anyone else. 

We will respond to your request within a reasonable time of you making the request and give you access in the manner you requested, unless it is unreasonable or impracticable for us to do so.

Sometimes we may be able to respond to your query by email or over the phone but sometimes we may need your request in writing and we might need time to gather your requested information and respond. Complex requests take between 20 to 30 days. We might send you the information by post, email it to you or ask you to see us to have a look at the information.

If we are unable to provide you access to the information you have requested we will provide the reason(s) in writing and your options to complain.

Making a request does not cost anything. Depending on what information you request, we may need to charge you to access the information. The charges will not be unreasonable and we will let you know before providing you the information.

We will not charge you to correct your personal information.

EU resident rights

If you are in the EU, you may have the rights below, some will apply in limited circumstances.

- Ask us to confirm if we are using your personal information.

- Right to withdraw your consent at any time.

- Request we delete your personal information. We will not be able to consent if we need your personal information for the purpose it was collected. We must keep your personal information if its relevant to a legal dispute.

- Request we stop or restrict how we process your personal information. This right won’t apply when we need to process your information to carry out our day-to-day functions or if we have legitimate grounds to process your information.

- Ask us to help you move your personal information to other companies where this is possible and only if we have collected and used your information via automatic means. Some other conditions apply.

- You have the right to be informed about any protections that we have put in place when we are transferring your data overseas. 

Disclosing your personal information overseas 

Your personal information will be processed in Australia. Your personal information may be disclosed overseas  because of our use of analytics tools such as Google and our use of overseas hosting facilities. Our lead management platform is hosted overseas in the UK. We are required to take measures to ensure that your information will be protected. 

Applying for a job with us?

If you have applied for a Job with us, we will collect the information you have included on your application form. The purpose of collecting this information is to assess and progress your application or hold your information for future opportunities.

The information we collect includes:

- Your contact details

- Career history

- Education details

- Sensitive information or criminal history (if it’s relevant to the role you have applied for)

- Information from your nominated referees.

 Do you have complaints or concerns?

 
If you have a complaint about how we have managed your personal information, dealt with a request by you to access or correct your personal information, or if you think that we have breached the Privacy Act or other applicable privacy legislation or regulations, you can make a complaint to us by writing to us at:

Attention: Privacy Officer
support@clouta.co 

Once we have received your complaint, we will investigate and respond to you as soon as we can. We try to do this within 10 business days of receiving your complaint. If this is not possible, we will contact you and let you know when we will respond to your complaint.

We have the highest regard for your privacy and will deal with your complaint fairly and quickly, however if you are not satisfied with our response, you may complain to the Australian Information Commissioner at: 

Office of the Australian Information Commissioner (OAIC)

GPO Box 5218
Sydney NSW 1042
Phone: 1300 363 992
TTY: 1800 620 241
Email: privacy@privacy.gov.au

If you are located in the European Union, you may complain to the local data protection authority (DPA) within the EU. You can find details or your local DPA here.

Our Privacy Policy

We may update our Privacy Policy from time to time. Our Privacy policy was last updated July 2020. By continuing to use our websites, mobile device apps or otherwise continuing to deal with us, you accept this Privacy Policy as it applies from time to time.

Terms of Use

ExitAdvisor.com.au (“Website”) is owned and operated by CLOUTA.CO PTY LTD (“Clouta”). In these Terms of Use, “we”, “our” and “us” means Clouta.

The information contained in the Website has been prepared without taking into account your objectives, financial situation or particular needs and should not be taken as financial advice. Clouta and/or any related companies will not be held responsible for the merits of this information to your circumstances.

Before acting on the information and guidance provided by Clouta, you should evaluate your own individual needs, objectives and situation and which products are suitable.

Acceptance of Terms

This statement governs your use of the Website. The terms and conditions contained in the Privacy Policy on the Website also form part of Clouta’s agreement with you. Please read them carefully before proceeding.

By accessing and using this Website you agree to be bound by these Terms of Use. The Terms of Use constitute a legally binding agreement between you and Clouta. If you do not agree to these Terms of Use, you must not access or use the Website, and you should immediately cease accessing and using the Website.

From time to time, Clouta may change these Terms of Use without notice. Any subsequent use of the Website by you will mean that you have accepted the changes to these Terms of Use.

These Terms of Use are intended to be for the benefit of each of Clouta, its related bodies corporate and their respective personnel.

Any pricing on this site is provided by third parties and is displayed in Australian dollars (AUD). The amounts are subject to change with price revisions and do not include any further amount that may be applied or not included due to different fees supplied by providers, cancellation fees that may be charged as well as charges you anticipate because you haven’t adhered to terms and conditions of any agreement with a provider.

The Website provides an information service to assist you to obtain certain products and services on the basis of particular criteria you may input. The products and services offered are not representative of all the products and services available in the market. At times, not all providers may be available.

Clouta may at any time and at its absolute discretion vary these Terms of Use.

You acknowledge and agree that Clouta may use your personal information in accordance with the Privacy Policy.

Do Not Call Register & Consent

For the purposes of the Do Not Call Register Act 2006 (if it applies), by submitting your telephone number to Clouta via the Website or at all, you give your consent to be contacted by telephone on that number by Clouta, any of its related bodies corporate, and any of its associated affiliates and/or third party providers. Your consent will be deemed to be inferred consent and will continue until such time as you withdraw that consent.

Anti-Spam: Consent

For the purposes of the Spam Act 2003 (as applicable), by submitting your email address to Clouta via the Website or at all, you give your consent to be contacted by email on that email address by Clouta, any of its related bodies corporate, and any of its associated affiliates and/or third party providers. Your consent will be deemed to be express consent and will continue until such time as you withdraw that consent.

Commissions 

Clouta receives payment in the form of fees and commissions from participating business partners for the services provided by Clouta on the Website.

We source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, or other third party providers for referring you to us. These referral fees are generally small amounts and accord with usual business practices. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is calculated.

No Financial Advice

Clouta does not offer financial, investment or other advice. Nothing on the Website constitutes financial, investment or other advice by us in relation to any product or service. All information you receive from us is for informational purposes only, does not constitute advice and is not a substitute for seeking professional advice. Moreover, Clouta does not guarantee the accuracy of any such information.

You acknowledge that you are using the Website and the products and services referenced on the Website voluntarily. Before acting on the information and guidance provided by Clouta, you should evaluate your own individual needs, objectives and situation and which products are suitable for you, and if necessary seek independent financial, investment or other professional advice. The products and services referenced on the Website may not be suitable or appropriate in all circumstances.

Your reliance on any financial or other advice provided by a third party provider is solely a matter between you and the third party. Clouta disclaims any liability for any advice that may be provided by a third party provider that is relied on by you and as between Clouta and you, you assume full responsibility for all associated risks. Third party providers are independent providers and are not employed or retained by Clouta.

The Website is intended to be used for comparison and research purposes, but Clouta is not able to bind any third party provider or ensure that any third party provider sells any product or service to you. Accordingly, nothing on the Website amounts to an offer by us or any third party provider to sell any product or service to you or enter into any contract with you.

Your consumer rights

Nothing in these Terms of Use is intended to exclude, restrict or modify rights which you may have under any law (including the Australian Consumer Law (“ACL”) and consumer guarantees relating to goods or services under the ACL) which may not be excluded, restricted or modified by agreement (“Your Consumer Rights”). Your Consumer Rights include the right for the services we provide to be fit for their specified purpose and to be provided with care and skill. You can find out more about Your Consumer Rights from consumer organisations and bodies such as the Australian Competition and Consumer Commission and State/Territory fair trading authorities.

Limitations

This section is subject to Your Consumer Rights, set out above.

You acknowledge that the Website is a technological platform which operates as an intermediary for the marketing of third party products and services. Clouta does not provide the products or services itself, but refers you to third party providers. Any information provided by Clouta on this Website or otherwise is information of a general or informational nature. Clouta is not a real estate agent, investment advisor, or financial advisor. Clouta does not provide financial, investment or other advice. You are responsible for the final choice of any third party provider and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a service/ product or its terms you should seek further advice from the relevant service provider before choosing your product. You should always seek specialised advice from a professional before making any financial or investment decisions.

This Website, content and services are supplied to you on a strictly “as is” basis and we make no warranties, express or implied, regarding their satisfactory quality, fitness for a particular purpose, reliability, timeliness, accuracy, completeness, security or that they are free from error.

We try to ensure that the information displayed on the Website is accurate, however your access to the Website and any action you carry out on the basis of information you obtain from the Website is carried out entirely at your own risk and we accept no liability for any losses that you may suffer as a result.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology. Whilst we take reasonable steps to protect the integrity of the Website, Clouta does not guarantee the security or accuracy of the Website. Your access to and use of the Website is solely at your own risk.

We aim to provide uninterrupted access to the Website but we give no warranty as to the uninterrupted availability or stability of the Website. We reserve the right to suspend, restrict or terminate your access to the Website at any time. At any time, we may make available upgrades, updates and patches to, or new versions or releases of the Website, all of which will be governed by these Terms of Use (unless accompanied by separate terms).

We are not, and will not be, liable for any loss of use, profits or data or any indirect, special or consequential damages or losses, whether such losses or damages arise in contract, negligence or tort, or otherwise in relation to:

(a) your use of, reliance upon or inability to use the Website or content;

(b) your use of, reliance upon or inability to use information and guidance provided by Clouta;

(c) the deletion with or without notice or cause of any of your data or information stored on the Website;

(d) any loss of your content or communications resulting from delays, non-deliveries, missed deliveries, service interruptions or a failure, suspension or withdrawal of all or part of the Website at any time;

(e) the removal from the Website of any content or communications sent or posted by you on or via the Website;

(f) any circumstance that is outside of our reasonable control; and

(g) any loss or damage that is not directly caused by us or which we could not reasonably expect at the time we entered into our agreement with you.

indemnity

You agree to indemnify and hold harmless Clouta, our directors, employees, agents, and contractors for any loss suffered, or any costs that may be incurred arising from your breach of these Terms of Use or your unauthorised use of the Website.

General

If any part of these Terms of Use is determined to be legally invalid or unenforceable, such provision will be superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the terms will continue unaffected.

You or we will not be prevented from taking any further action if you or we fail to enforce the rights granted under these Terms of Use.

These Terms of Use constitute the entire agreement between you and us relating to your access to and use of the Website and supersedes any prior agreements (including any previous terms of use of the Website).

Jurisdiction

These Terms of Use are governed by the laws in force in New South Wales, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.

Accuracy of Information

Whilst the Information is considered to be true and correct at the date of publication, changes will occur and changes in circumstances after the time of publication may impact on the accuracy of the Information, and therefore the Information should not be relied upon. The Information may change without notice and Clouta is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.

Links to Third-Party Sites

We have a number of links on the Website. These may take you to other websites. The purpose of these links is to provide you with easy access to further information you may need in making financial, investment, or other decisions. In no circumstances do we make representations about the accuracy of any information contained on any other websites. The inclusion of such links does not imply or constitute our endorsement of, or acceptance of responsibility for, information contained at such linked websites. We exclude all liability for any loss, damage, cost or expense you incur in accessing or attempting to access a third party site.