Terms of use

Privacy policy

This site is managed by Policy Partners Pty Ltd. Policy Partners Pty Ltd is committed to your privacy. Any information collected from e-mail correspondence, registrations or other means associated with the use of this web site will be held in the strictest of confidence and in accordance with the Privacy Act 1988 and Privacy Amendment Act 2001. Policy Partners Pty Ltd will only collect and store the personal data that you volunteer while using our services or in your communication with us.

We do not monitor or collect cookies that store your personal information. Unless you are registered for one of our online services, you will browse this web site anonymously.

This website implements Google Analytics to track website use and inform development of improved services. We may collect information about the services that you use and how you use them, like when you visit a website that uses our advertising services or you view and interact with our ads and content. We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number). When you use our services or view content provided by Google, we may automatically collect and store certain information in server logs. This may include:

• details of how you used our service, such as your search queries

• internet protocol address

• device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL

• cookies that may uniquely identify your browser or your Google Account

We and our partners use various technologies to collect and store information, and this may include sending one or more cookies or anonymous identifiers to your device. We may also use cookies and anonymous identifiers when you interact with services we offer to our partners, such as advertising services or Google features that may appear on other sites.

To provide website visitors the ability to prevent their data from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on for the Google Analytics JavaScript (ga.js, analytics.js, dc.js). If you want to opt-out, download and install the add-on for your web browser. The Google Analytics opt-out add-on is designed to be compatible with Chrome, Internet Explorer 8-11, Safari, Firefox and Opera. In order to function, the opt-out add-on must be able to load and execute properly on your browser. For Internet Explorer, 3rd-party cookies must be enabled. Learn more about about the opt-out and how to properly install the browser add-on here.

Most importantly, if you have any concerns or queries, please contact us.

Further information about how Google uses information from sites is available at https://policies.google.com/technologies/partner-sites

Terms and conditions

This web site is maintained by Policy Partners Pty Ltd (ACN 169 754 278) and may be used for informational purposes only. By using this site or downloading from it:

• you agree to be bound by these "Terms of Use"

• you acknowledge that you have read the "Privacy Policy" and these "Terms of Use" before using this site

If you do not agree to abide by these "Terms of Use" do not use this web site or download any information from it.

The information on this web site is intended for Australian residents and provides information relating to products and/or services offered by Policy Partners Pty Ltd in Australia.

Policy Partners Pty Ltd grants you limited right to access, display and use this web site and the information provided on it. This right is upheld under the condition that you do not interfere or attempt to interfere with the operation of this web site. You may download the information on this web site for informational use only and cannot reproduce any content for commercial gain.

As a service to users, Policy Partners Pty Ltd may provide links to third party web sites operated by separate entities. If you decide to access these third party web sites, you will leave the Policy Partners Pty Ltd web site and enter the linked third party web site. These external information sources are outside of Policy Partners Pty Ltd's control. You do so at your own risk and waive any claims or actions against Policy Partners Pty Ltd with regard to any issues arising from your use of the third party web site. It is your responsibility to evaluate information on third party web sites and to take all possible precautions to guard against viruses or other hazardous elements.

Under no circumstances will Policy Partners Pty Ltd be liable for the accuracy of the information published on this web site. Policy Partners Pty Ltd has made every effort to ensure that the information presented on this web site is accurate and complete. However, Policy Partners Pty Ltd does not warrant the accuracy or completeness of information presented and strongly recommends that users verify the accuracy and completeness of information presented before committing to any course of action. Policy Partners Pty Ltd has no control over third party web sites, and therefore gives no warranties and makes no representations in respect to any information contained within them. Policy Partners Pty Ltd has taken precautions to ensure that this web site is free from viruses, but does not warrant or represent that there will not be viruses or other destructive properties. You accept that downloading from this web site is done at your own risk.

Policy Partners Pty Ltd accepts no liability for any damages, loss of data, costs, losses or expenses of any sort (whether direct or indirect) incurred by you as a result of your accessing the Policy Partners Pty Ltd web site or due to any error, omission or misrepresentation in any information presented on this web site. Policy Partners Pty Ltd also accepts no responsibility if this web site unavailable at any time.

Policy Partners Pty Ltd reserves the right to change any content on this web site without notice.