Privacy Policy      

April 2020

 

Introduction 

Good Return (‘we’, ‘our’, ‘us’) is the registered business name of World Education Australia Limited (ACN 106 279 225). Good Return enables people living in poverty to achieve economic empowerment through responsible financial inclusion and capability development We are committed to the protection of personal information in accordance with the Privacy Act 1988 (Cth) (‘Privacy Act’). 

Under the Privacy Act, personal information means information or an opinion about an identified individual or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not. This Privacy Policy outlines how we collect, store, use, disclose and manage your personal information. 

Collection and storage of personal information 

We collect, hold, use and disclose personal information that is related to and necessary for our dealings with you in respect to Good Return's activities and functions, including for the following purposes: 

  • so that we can maintain a register of supporters which includes their name, contact details and information about how they have supported Good Return; 

  • so that we can communicate with you as a supporter of Good Return; 

  • so that we can process your donation or loan and provide you with more information and updates accordingly; and 

  • so that we can promote our activities to you and the public (both directly and through third party platforms such as Facebook) and seek your further support. 

The types of information that we collect, hold, use and disclose for these purposes includes: 

  • information you provide to us at our request. For example, you may provide us with your name and contact details if you become a supporter of Good Return; and 

  • information we have acquired because you have accessed our website, or have sent or received an electronic communication to or from us. Such information might include your e-mail address, the web pages you access while on our website, and websites you access before and after accessing our site. 

We do not store your credit card details, since we use a ‘payment gateway’ for the purpose of processing your payments to us. 

We predominantly collect your personal information through our website. However, we may sometimes collect personal information by other means, such as through email, over the phone or in hard copy. 

We regularly backup our data (which includes your personal information) and store it ‘in the cloud’. This means that our data may be held outside Australia, although all data is encrypted during the upload/download process. 

We may from time to time extract information from the website or from our electronic communication system in reports, as well as extracting and loading information for marketing mail-out purposes. 

Use of personal information 

  • We will only use your personal information for the purposes of carrying out our activities as described above, to provide you with information on these activities and for related purposes unless:

  • you consent (expressly or impliedly) to us using your personal information for other purposes; 

  • its use is required or authorised by law; or 

  •  the use is otherwise permitted under the Privacy Act. 

Disclosure of personal information 

Your personal information will not be disclosed by us to a third party unless: 

  • you consent (expressly or impliedly) to the disclosure; 

  • it is being disclosed for the purposes set out above in this Privacy Policy or for a related purpose; 

  • you have been informed of the disclosure at the time the personal information is collected from you; 

  • disclosure is to our business associates and others, for purposes directly related to the purpose for which the personal information is collected (e.g. to overseas microfinance institutions, whose identity and locations are obtainable from our website www.goodreturn.org); 

  • it is for marketing purposes to provide you, and other people, with information about our activities and events and seek donations or support for our activities. See further information about social networking and other third party platforms below. 

  • to our professional advisors and other contractors (such as IT consultants); 

  • disclosure is required or authorised by law; or 

  • disclosure is otherwise permitted under the Privacy Act. 


If you would like to opt out of marketing communication please email us at support@goodreturn.org. 

Social networking services and other third party platforms 

We use social networking services and other third party platforms to communicate with the public about our activities, including providing supporters and groups of people who have similar interests to our supporters with stories from our work and seeking further support from the public (including through donations and loans). We may provide your email address to third parties platforms that you use (such as Facebook, Google, LinkedIn and Twitter) for these purposes and the third party platforms may handle your personal information in accordance with their own privacy policies and practices. 

Disclosure of information to overseas recipients 

Our data, including your personal information, may be stored in the cloud by an overseas provider. 

As part of our activities, we may disclosure personal information to overseas microfinance institutions and associates who are generally located in the Asia-Pacific region. Currently our loan program partners with microfinance institutions located in Cambodia, the Philippines, Fiji, Tonga and Australia. Please refer to our website www.goodreturn.org for more detailed information on our programs and partnerships. 

Remaining anonymous or using a pseudonym 

Unfortunately, it is not possible for us to give you the option of not identifying yourself when dealing with us, or of using a pseudonym because of: 

  • the nature of our dealings with you and the personal information we require in order to conduct those dealings; and 

  • the provisions of Australia’s anti-money laundering and counter terrorism financing (AML/CTF) legislation and its customer due diligence regime. 


Accessing personal information, complaints and enquiries 

We are unable to check or verify the accuracy of any personal information we obtain from you or other persons. 

Therefore, we will assume that any personal information you provide is up to date, complete, free from errors and omissions, is not misleading or deceptive, and complies with all relevant laws. We ask that you provide us with updates or changes to your personal information as soon as reasonably practicable. 

When you provide to us the personal information of third parties we will assume, and you will ensure, that you have received consent from the third party for the referral, collection, use and disclosure of their personal information. 

If you wish to access your personal information held by us, seek to correct any personal information, complain about possible breaches of privacy, or make a privacy related enquiry, please contact: 

Information Officer 

PO Box 479 St Leonards NSW 2065 

Phone: (02) 9114 8111    E-mail: support@goodreturn.org 

If you would like to access your personal information, we may ask you to put your access request in writing and may also ask you to pay a reasonable fee to defray the cost of accessing your personal information. In some cases, in accordance with the Privacy Act, we may refuse to give you access to personal information that we hold about you. 

We will endeavour to respond to your access request, enquiry, or complaint as soon as possible. 

If we receive a complaint from you about how we have handled your personal information, we will review the complaint and consider what action should be taken (if any) to resolve the complaint. Information on how we deal with complaints generally is contained in our Complaints Policy which is posted on our website. If you are unsatisfied with the outcome, you may refer the matter to the Office of the Australian Information Commissioner at www.oaic.gov.au, enquiries@oaic.gov.au or on 1300 363 992. 

Variation of this Privacy Policy 

We may vary the terms of this Privacy Policy at any time, but our current Privacy Policy will be the version contained on our website. 

Collection of other information 

If you visit our website or send or receive an electronic communication to or from us, we may collect information about your visit to our website or your interaction with us. The information that we collect about your visit may not be personal information because it does not reveal your identity or make you reasonably identifiable.    Information of this nature can include: 

Activity information 

When you visit our website or send or receive an electronic communication to or from us, we collect general information about your activity. This may include the date and time of your visit, the pages you accessed, and the information you downloaded. In the case of an electronic communication, we track impressions and clicks on the parts of our email signature that encourage users to visit our website and social network accounts. 

We use this information in anonymous and aggregated form, for statistical purposes only, to assist us in improving the quality and usability of our website and communications. 

If you choose to provide Good Return with your contact details on our website or click through to our website from an email we send, we will use this data to create a profile of you to help us understand what information you might be interested in receiving from Good Return. 

Cookies 

A cookie is a small string of information that a website transfers to your browser for identification purposes. The cookies we use may identify individual users. 

Cookies can either be ‘persistent’ or ‘session’ based. Persistent cookies are stored on your computer, contain an expiration date, and are mainly for the user’s convenience. Session cookies are short-lived and are held in your browser’s memory only for the duration of your session. They are used only during a browsing session, and expire when you quit your browser. 

We may use both session and persistent cookies. This information may be used to personalise your current visit to our websites. Upon closing your browser, the session cookies are destroyed. 

Good Return uses remarketing technology. This allows us to display relevant information based on which pages on the Good Return website you have viewed. The information will be displayed using cookies. This cookie doesn't record any personal information or identify you personally. 

Most internet browsers can be set to accept or reject cookies. If you do not want to accept cookies, you can adjust your internet browser’s security settings to reject cookies or to notify you when they are being used. 

Security on our website 

We use secure online payment technology called Secure Socket Layer (“SSL”). SSL works by encrypting all communications between your computer and our web server. When your browser is operating in a secure fashion, you will see the security status of the key/broken key icon change in the status area of your browser. If your browser is SSL equipped, your transaction will be secured immediately. 

If you use the internet, you are using facilities that are beyond our control and there are always risks associated with transferring data. Remember, however, that we use a ‘payment gateway’ in order to process financial transactions with you through our website, and we do not collect or store your credit card details. 

Any of your personal information that we hold in our computer systems is made more secure from unauthorised access by a range of internal security mechanisms and procedures. If you become aware of any security breach, please let us know as soon as possible by using the  information on our contact page.