Openness and transparency

tonolia and its affiliated companies and vendors are committed to protecting your privacy and respect and uphold your rights under the Australian Privacy Principles (APPs) contained in the Privacy Act f 988 (Cth) (” Privacy Act”). By using this website or providing us with your personal information, you agree to and consent to the collection, use, holding and disclosure in this policy.

Personal information

Personal information is information or an opinion about an individual whose identity is apparent, or can be reasonably ascertained, from that information or opinion. Personal information we may collect from you includes, without limitation, your name, address, email address, telephone number. will collect personal information only by lawful and fair means and not in an unreasonably intrusive way. If it is reasonable and practical to do so, will only collect personal information about you directly from you.  will not collect personal information unless the information is reasonably necessary for our functions and activities.

Personal information may be collected by in a number of circumstances, including when you:

make an enquiry with us via email or telephone;

visit our websites;

lodge an enquiry or application in relation to any  products or services; or

apply for employment with .  may enter into arrangements with third parties (including third parties with whom has partnered to provide you with its various products or services using the brand) to collect your personal information.

What does  do with your personal information?

In addition to any purpose notified to you at the time of collection  uses your personal information for the purpose for which it has been provided, for reasonably related secondary purposes and for the purposes of:

providing our products and services to you;

providing  branded products and services that are provided by our third party partners;

our internal management needs;

our marketing activities, including marketing activities relating to branded products and services that are provided by our third party partners;

responding to any inquiries or comments that you submit to us;

assessing, processing and managing your applications for  products and services or  branded products and services offered by our third party partners, including to assess your credit risk and our risk;

any other purpose you have consented to; and

any use which is required by law.

1. Disclosure of personal information  may disclose your personal information:

to third-parties we ordinarily engage for the above purposes;

organizations that provide products or services used or marketed by ;

any person or entity to whom you have consented to disclosing your personal information to; and

any person or entity to whom we are required or authorized to disclose your personal information too in accordance with the law.


2. Access and Management

You may request access to your personal information in our customer account database, or seek correction of it, by contacting our customer service team. See section 8: Contact information.  may charge a reasonable fee that is not excessive to cover the charges of retrieving your personal information from our customer account database. will not charge you for making the request.

If you believe that  holds personal information about you in our customer account database that is not accurate, complete, up-to-date, relevant or information that is misleading then you may request its amendment and  will respond to your request within a reasonable time. v  will not charge you for correcting your personal information.

If  no longer needs your personal information for any the purposes set out in this policy, or as otherwise required by law,  will take such steps as are reasonable in the circumstances to destroy the information or to de-identify it.  will take reasonable steps to protect the personal information it holds from misuse, interference and loss and from unauthorized access, modification or disclosure.

3. Opting Out

At any time you may opt out of receiving direct marketing communications from us. Unless you opt out, your consent to receive direct marketing communications from us and to the handling of your personal information as detailed above, will continue.

4. Cross-border disclosure  may disclose your personal information to recipients overseas (including in the Philippines, Hong Kong and New Zealand) to assist in providing you with products or services. will take such steps as are reasonable in the circumstances to ensure that the information that is transferred to third parties located outside of Australia will not be held, used or disclosed by the recipient of the information in a manner that is inconsistent with the Australian Privacy Principles.

5. Contact information

If you require further information regarding this policy or wish to make a complaint about a breach of the APPs by , please contact us at  or send mail to: Attn: Privacy Officer, , A senior member of staff will review your complaint within 5 business days and respond to you in writing advising what action(s) will take as a result of your complaint.

6. website

When transmitting personal information from your computer to a website or to a  branded website operated by one of our third party partners, you must keep in mind that the transmission of information over the Internet is not always completely secure or error-free. Other than liability that cannot lawfully be excluded,  will not be liable in any way in relation to any breach of security or any unintended loss or disclosure of that information. operated websites and branded websites operated by our third party partners may use “cookies” to help personalize your online experience and save you time across the  Group websites (including, but not limited .You have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the  Group websites. Some  Group websites are operated and maintained by third parties to whom has partnered with to provide you with their products and services under the brand. These websites will be subject to the website terms and conditions of the third party partner who operates the website, and any transactions you conduct on these websites will be between you and the third party partner.

7. Miscellaneous


(  reserves the right to modify this Privacy Policy in whole or in part from time to time without notice and amendments will be effective immediately upon posting of the amended Privacy Policy on the  website.

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