Facile Ensemble (collectively referred to as “FE,” “we,” “our,” or “us”) is dedicated to safeguarding your privacy and honoring your rights under the Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth) ("Privacy Act"). By using this website or providing us with your personal information, you consent to the collection, use, storage, and disclosure of your personal information as described in this policy.

Personal information is defined as any information or opinion about an individual whose identity is evident or can be reasonably inferred. The personal information we may collect from you includes, but is not limited to, your name, address, email address, phone number(s), and date of birth.

Additionally, personal information encompasses credit information, which pertains to data or opinions regarding credit that has been granted to you or that you have applied for. This includes details about credit applied for or received for personal, household, or investment purposes, as well as information related to your role as a guarantor for a loan.

FE will gather personal information only through lawful and fair means, avoiding unreasonable intrusiveness. When reasonable and practical, we will collect personal information directly from you. We may also obtain your personal information from reputable third-party lead generation sources for marketing purposes, provided you have consented to share your information with FE for this purpose. Personal information will not be collected unless it is reasonably necessary for our functions and activities.

Personal information may be collected by FE in various situations, including when you:

• Make an inquiry with us via email or telephone
• Visit our websites
• Submit an inquiry or application regarding any of FE’s products or services
• Log in to your FE customer account using another account, such as Facebook
• Apply for employment with FE

FE may partner with third parties to collect your personal information, provided that the third party informs you at the time of collection that your data will be shared with FE.

If you choose to use a pseudonym or do not provide identifiable information, FE may not be able to offer you the services you request. To remain anonymous on our website, avoid signing in or providing any identifying information.

FE requires individuals to supply accurate, current, and complete personal information at the time of
collection.

In addition to any purpose communicated at the time of collection, FE uses your personal information for:

• Providing our products and services to you
• Offering FE-branded products and services provided by our third-party partners
• Internal management, analytics, and tracking
• Maintaining your FE customer account, including records of previous purchases
• Conducting marketing activities for FE-branded products and services offered by third-party partners
• Responding to inquiries or comments you submit
• Enhancing our business, products, services, or customer experience
• Evaluating and managing your applications for FE products and services, including credit risk assessment
• Any other purpose you have consented to
• Any use required or authorized by law
• Verifying your identity for high-value items

FE may disclose your personal information to:

• Third parties we typically engage for the above purposes
• Organizations providing products or services used or marketed by FE
• Any individual or entity you have consented to disclose your information to
• Any individual or entity to whom we are legally required or authorized to disclose your information

You may request access to the personal information FE holds about you or seek to correct it by updating your account online or contacting our customer service team. See Contact Information.

If FE no longer needs your personal information for the purposes outlined in this policy or as required by law, we will take reasonable steps to destroy or de-identify the information.

FE will implement reasonable measures to protect the personal information it holds from misuse,
interference, loss, and unauthorized access, modification, or disclosure.

At any time, you can opt out of receiving marketing communications that you have previously subscribed to. Unless you opt out, your consent to receive direct marketing communications and to the handling of your personal information as described above will remain in effect. Each marketing email will include an unsubscribe option, as will our marketing SMS messages. Additionally, you can opt out by emailing us at contact@facileensemble.com.

FE may disclose your personal information to recipients overseas to assist in providing products or services. We will take reasonable steps to ensure that information transferred to third parties outside of Australia is not held, used, or disclosed in a manner inconsistent with the Australian Privacy Principles.

For further information regarding this policy or to make a complaint about a breach of the APPs by FE, please contact us at contact@facileensemble.com. We will strive to respond within 2 to 3 days of receiving your message.

When transmitting personal information from your computer to a FE website, please be aware that the transmission of information over the Internet is not always completely secure or error-free. Except for liability that cannot legally be excluded, FE will not be liable for any security breach or unintended loss or disclosure of information.

FE websites use "cookies" to enhance your online experience. You have the option to accept or decline cookies.

Facile Ensemble reserves the right to amend this Privacy Policy, in whole or in part, at any time without notice. Any changes will take effect immediately upon posting the revised Privacy Policy on the Facile Ensemble website.