Reef Visions PRIVACY STATEMENT

This Privacy Policy sets out the approach which Reef Visions will take in relation to the treatment of Personal Information. It includes information on how Reef Visions collects, uses, discloses and keeps secure, individuals' Personal Information.
This policy has been drafted having regard to Reef Visions obligations under the Privacy Act 1988 (including the new National Privacy Principles) (the Privacy Act).
This Policy is a public document and has been prepared in light of National Privacy Principle 5, Openness.

1. COLLECTION

1.1 Reef Visions will only collect Personal Information where the information is necessary for Reef Visions to perform one or more of its functions or activities. In this context, "collect" means gather, acquire or obtain by any means, information in circumstances where the individual is identifiable or identified.

1.2 Reef Visions collects Personal Information primarily to supply customers with the products and services ordered from it and its related companies. Reef Visions also collects and uses Personal Information for secondary purposes including:
i. billing and account management
ii. business planning and product development; and
iii. to provide individuals with information about promotions, as well as the products and services of Reef Visions affiliated companies and other organisations.
iv. to enhance the online shopping experience by displaying products and/or services that match the personal preferences of individuals based on their previous website browsing history and/or buying activity.

1.3 Reef Visions will not collect Sensitive Information from individuals except with consent and only where it is necessary for Reef Visions to collect such information for an activity or function.

1.4 Reef Visions will not collect Personal Information secretly or in an underhanded way.

1.5 Reef Visions will take steps to ensure that individuals on purchased lists are or have been notified of the information as outlined at 1.3.

2. USE

2.1 Reef Visions will obtain an individual's consent for Use of non-sensitive Personal Information for Secondary Purposes at the time of collection, unless the Use is a related Secondary Purpose which would be within the relevant individual's Reasonable Expectations.

2.2 Reef Visions Uses Personal Information primarily for the purposes listed in 1.2 above.

2.3 If Reef Visions relies on the Direct Marketing exception to Direct Market to individuals it will ensure that:
i. the individual is clearly notified of their right to Opt Out from further Direct Marketing;
ii. there is only one Use of the information before the Opt Out right is given and this Use applies across all Reef Visions Related Bodies Corporate (if the information is shared between those Related Bodies Corporate);
iii. the individual is given an Opt Out in all further instances of Direct Marketing if they have not previously chosen to Opt Out; and
iv. if the individual Opts Out of all Direct Marketing the Opt Out will be respected by Reef Visions and all its Related Bodies Corporate.

2.4 Reef Visions will not use Sensitive Information for Direct Marketing.

2.5 Reef Visions may use Personal Information to avoid an imminent threat to a person's life or to public safety. It may also use Personal Information for reasons related to law enforcement or internal investigations into unlawful activities.

2.6 Reef Visions will not use Personal Information without taking reasonable steps to ensure that the information is accurate, complete and up to date.

3. DISCLOSURE
3.1 Reef Visions may Disclose Personal Information to related or unrelated third parties if consent has been obtained from the individual. This will include obtaining the individual's consent for Disclosures made under the credit reporting requirements of the Privacy Act.

3.2 Reef Visions may Disclose Personal Information between Related Bodies Corporate. Where information is Disclosed to such a Related Body Corporate, that Related Body Corporate is bound by the original Primary Purpose for which the information was collected.

3.3 Reef Visions may Disclose Personal Information to unrelated third parties to enable outsourcing of functions (such as billing, customer relations management and order fulfillment), where that is Disclosure or Use for a related Secondary Purpose and has been notified to individuals or where such Disclosure is within the individual's Reasonable Expectations.

3.4 Reef Visions will take reasonable steps to ensure that its contracts with third parties include requirements for third parties to comply with the Use and Disclosure requirements of the Privacy Act.

3.5 Reef Visions may Disclose Personal Information to law enforcement agencies, government agencies, courts or external advisers where permitted or required by law.

3.6 Reef Visions may Disclose Personal Information to avoid an imminent threat to a person's life or to public safety.

3.7 If a Disclosure is not for a Primary Purpose; is not for a related Secondary Purpose; or upfront consent has not been obtained, Reef Visions will not Disclose Personal Information otherwise than in accordance with the exceptions set out at 3.1 to 3.6 above.

3.8 Reef Visions does not generally sell or share its customer lists on a commercial basis with third parties but if it did, it would only do so if we had the appropriate consent of the individual involved. If the consent provided is conditional, Reef Visions will take steps to ensure (by contract) that the use of its customer list by third parties does not exceed the scope of the consent.

4. INFORMATION QUALITY

4.1 Reef Visions will review, on a regular and ongoing basis, its collection and storage practices to ascertain how improvements to accuracy can be achieved.

4.2 Reef Visions will take steps to destroy or de-identify Personal Information after as short a time as possible and after a maximum of seven years from the date of the last customer interaction, unless the law requires otherwise.

5. INFORMATION SECURITY

5.1 Reef Visions requires employees and contractors to perform their duties in a manner that is consistent with Reef Visions legal responsibilities in relation to privacy.

5.2 Reef Visions will take all reasonable steps to ensure that paper and electronic records containing Personal Information are stored in facilities that are only accessible by people within Reef Visions who have a genuine "need to know" as well as "right to know".

5.3 Reef Visions will review, on a regular and ongoing basis, its information security practices to ascertain how ongoing responsibilities can be achieved and maintained.

6. ACCESS AND CORRECTION
6.1 Reef Visions will allow its records containing Personal Information to be accessed by the individual concerned in accordance with the Privacy Act.

6.2 Reef Visions will correct its records containing Personal Information as soon as practically possible, at the request of the individual concerned in accordance with the Privacy Act.

6.3 Individuals wishing to lodge a request to access and/or correct their Personal Information should do so by contacting Reef Visions Customer Service, as per the details on the website.

6.4 Reef Visions can charge a fee for processing an access request but will generally not do so unless the request is complex or is resource intensive.

7. OPENNESS
7.1 Reef Visions Customer Service representatives will be the first point of contact for inquiries about privacy issues. Individuals wishing to make an inquiry or complaint regarding privacy, should do so by contacting Reef Visions Customer Service, as per the details on the Reef Visions website.

7. Reef Visions websites will contain a prominently displayed privacy statement and will include a copy of this Reef Visions Privacy Policy.

8. ANONYMOUS TRANSACTIONS
8.1 Reef Visions will not make it mandatory for visitors to its web sites to provide Personal Information unless such Personal Information is required to answer an inquiry or provide a service. Reef Visions may however request visitors to provide Personal Information voluntarily to Reef Visions (for example, as part of a competition or questionnaire).

9. TRANSFERRING PERSONAL INFORMATION OVERSEAS

9.1 Reef Visions will take reasonable steps to limit the amount of Personal Information it sends to unrelated organisations overseas.

9.2 If Personal Information must be sent by Reef Visions overseas for sound business reasons, Reef Visions will require the overseas organisation receiving the information to provide a binding undertaking that it will handle that information in accordance with the National Privacy Principles, preferably as part of the services contract.

10. GLOSSARY

Collection Information means the information outlined in 1.3 notified to individuals prior to, or as soon as practical after, the collection of their Personal Information.
Direct Marketing means the marketing of goods or services through means of communication including written, verbal or electronic means. The goods or services which are marketed may be those of Reef Visions or a Related Body Corporate or those of an independent third party organisation.
Disclosure generally means the release of information outside Reef Visions, including under a contract to carry out an "outsourced function".
Health Information means:
a. information or an opinion about:
i. the health or a disability (at any time) of an individual; or
ii. an individual's expressed wishes about the future provision of health services to him or her; or
iii. a health service provided or to be provided to an individual; that is also personal information; or
b. other personal information collected to provide or in providing a health service; or
c. other personal information about an individual collected in connection with the donation; or intended donation by the individual of his or her body parts or body substances.
Opt Out means an individual's expressed request not to receive further Direct Marketing.
Reef Visions means all companies in the Reef Visions (aust.) Pty Ltd group.
Personal Information means information or an opinion (including information or an opinion forming part of a database), whether true or not and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained from the information or opinion.
Primary Purpose is the dominant or fundamental reason for information being collected in a particular transaction.
Reasonable Expectation means a reasonable individual's expectation that their personal information might be Used or Disclosed for the particular purpose.
Related Body Corporate means that where a body corporate is:
o a holding company of another body corporate;
o a subsidiary of another body corporate; or
o a subsidiary of a holding company of another body corporate,
the first mentioned body corporate and the other body corporate are deemed to be related to each other.
Sensitive Information means:
a. information or an opinion about an individual's:
i. racial or ethnic origin; or
ii. political opinions; or
iii. membership of a political association; or
iv. religious beliefs or affiliations; or
v. philosophical beliefs; or
vi. membership of a professional or trade association; or
vii. membership of a trade union; or
viii. sexual preferences or practices; or
ix. criminal record;
that is also personal information or
b. Health Information about an individual.
Use means the handling of Personal Information within Reef Visions.
Reef Visions Privacy Statement
Please read for information on privacy safeguards on our web sites. This includes information as to how we collect, use and disclose information gathered on our web sites, including the use of cookies.

1. What Personal Information does Reef Visions collect?
The types of personal information that Reef Visions records will depend on your usage of our site. If you carry out a transaction online or send us an email, Reef Visions will record information that may differ from the information Reef Visions collects if you simply visit our site.
i. Purchasing products or services:
If you purchase products or services or apply to become a Reef Visions customer, Reef Visions requires you to provide certain details so that we can establish an account (if applicable) and provide you with the product or service. This includes details such as your name and contact information, or in the case of businesses, information about the company, department or association making the purchase or setting up the account. Reef Visions requires this information to help us process and manage your account.

Reef Visions also requests information to help us assess your credit worthiness (if applicable). Further details about this can be found in the terms and conditions for the product or service you are purchasing. If you purchase a product or service Reef Visions also requires your credit card details in order to process the purchase. Reef Visions may also request information about you in order to help you decide which product or service would best suit your needs.
ii. Paying your account online or making other enquiries about your account:
If you pay your account online, Reef Visions requires you to provide your account details and credit card details in order to process the payment. If you make an online query about your account you will be required to provide your account details, password and contact details so that your inquiry can be resolved as soon as possible.
iii. General requests:

You can use the online forms for a number of other purposes such as to request further information about other Reef Visions products and services. In order to process your request, we will require you to provide us with certain personal information. This includes such details as your name and contact information and information about any existing account. If you send us an email request, we will ask for similar information. We require this information to process your request and to improve the services we provide to you.

When you are carrying out a transaction or simply making a query, Reef Visions may also ask for information such as details about yourself or your company in order that Reef Visions can better tailor its services or products to your needs and to provide you with information about a range of Reef Visions services or products you might be interested in.

Reef Visions may also conduct voluntary surveys or request other voluntary information from time to time. These surveys provide Reef Visions with important information that enables improvement in the types and quality of services offered and the manner in which those services are offered. It will always be clear whether the information requested is mandatory or voluntary.
iv. Navigation Information:
Each time you visit Reef Visions web site, anonymous navigation information is collected by our servers. This information includes:
o the type of browser and operating system you are using;
o the address of the referring site (ie the previous site you had visited) and the website you leave our site to visit;
o the date and time of your visit;
o your server's IP address (a number which is unique to the machine); and
o the address of the pages you accessed.

This provides Reef Visions with information about how the web site is used and navigated, including the number of hits, the frequency of visits and the duration of visits to each web page on the site. It does not personally identify individual users unless the user has previously elected to identify themselves by submitting personal information.
In addition, Reef Visions web site, like many others, uses cookies. A cookie is a piece of information that the website sends to your browser and which is stored on your hard disk. A cookie helps to identify your browser to the website when you return to visit the site and identifies the previous requests your browser has made. This allows the site to be tailored to you on your return visits. Cookies cannot identify you personally. If you do not wish to receive cookies it is likely that you can disable their use by altering the security settings on your web browser however this may impede your ability to use parts of the site (for example, the shopping trolley). Your web browser might also contain a mechanism that warns you that a site you are visiting makes use of cookies.

2. What Happens with Your Personal Information?
The personal information collected from you at this site is or may be used:
· for credit verification purposes;
· for billing purposes;
· to maintain your account;
· to notify you about other or new services or promotions from time to time;
· to provide customer support;
· in order to provide you with the products, services or information you have requested.
Aspects of these functions may be outsourced to third parties who are only authorised by Reef Visions to use this information for these purposes. Reef Visions may also use its customer database, including information provided by you through this web site, to distribute information about other Reef Visions services and other organisations' services to you. If at any time you no longer wish to receive email or postal communications from Reef Visions or from third parties, you can contact Reef Visions customer service at any time and make an 'opt out' request, as per details at the end of this Statement.
Information collected on this site may also be combined and de-identified to provide Reef Visions with anonymous demographic and usage information. Reef Visions can then use this aggregated information to develop new and/or more appropriate services and products to offer to customers and may also be provided to third parties.
In addition, anonymous navigation information may be used for statistical analysis of the site, for marketing purposes and to tailor the content of the site to the needs of Reef Visions customers. Statistical information is not disclosed in connection with your personal information.

3. Will personal information be given to anyone else?
Personal information collected at this site will only be disclosed to third parties in accordance with this Privacy Statement and with the terms and conditions of any relevant service. You should check the terms and conditions of individual products and services for information about disclosures.
Information collected at this site may be disclosed to third parties where functions are being outsourced. Reef Visions may also disclose personal information to law enforcement agencies, government agencies, courts or external advisors where permitted or required by law.

4. Access and Correction
Once you have registered as a Reef Visions customer, you may access your account details and correct your personal information, by logging into your Reef Visions Customer Account. You can lodge an access request with Reef Visions customer service at any time as per the details at the end of this Statement.

5. Are personal account details safe when being transmitted?
Reef Visions strives to protect your personal information during its transmission. Customer account information provided through this site is held in a secure server environment behind Reef Visions firewalls.
Reef Visions secure server software (SSL) is the industry standard and among the best software available today for secure commerce transactions. It encrypts all of your personal information, including your name and address, so that it cannot be read as the information travels over the Internet. However, while Reef Visions maintains high standards in protecting your security, no transmission over the Internet or storage of information on servers connected to the Internet can be guaranteed to be absolutely secure.

6. Are personal account details stored safely
Reef Visions takes reasonable steps to ensure the security of personal information held by it from such risks as loss or unauthorised access, destruction, use, modification or disclosure of data. Reef Visions only permits your details to be accessed by authorised personnel.

For what purpose does Reef Visions require your Personal Information?
Reef Visions collects and uses Personal Information about you primarily to supply you with the products and services you order from it and its related companies (Reef Visions Group Companies). Reef Visions also collects and uses Personal Information for related (or secondary) purposes including:
a. billing and account management;
b. business planning and product development; and
c. to provide you with information about promotions, as well as the products and services Reef Visions Group companies and other organisations.

How Reef Visions may use your Personal Information?
Reef Visions may disclose Personal Information about you (for the purposes set out in clause 1) to:
a. any of the Reef Visions Group companies;
b. Reef Visions agents, dealers, contractors and franchisees;
c. Reef Visions suppliers who need access to the Personal Information to provide Reef Visions with services, enabling Reef Visions Group companies to supply you with the products and services you have ordered.

When and how can you opt out?
If you wish only to receive communications that are account-related or legally required, you may request not to receive other communications (ie you may "opt out"). If you wish to make a request to opt-out, you can do so at any time by letting Reef Visions know of your request by following the Unsubscribe instructions on any piece of electronic mail from Reef Visions or by contacting the Reef Visions customer service by clicking here. If you provide Reef Visions with an opt-out request, Reef Visions will activate your request as soon as reasonably possible after receiving it. Reef Visions will not charge you for processing a request to opt-out.

Your right to access your records.
You may request access to Personal Information Reef Visions holds about you, and Reef Visions will grant you access unless it is required or permitted to refuse such a request. You may also request that information about you be corrected if you think that it is not accurate. You should contact us if you require more information.

Reef Visions rights to disclose your credit information.
For the purpose of processing some orders and ongoing credit management of your account, Reef Visions may need to disclose to a credit reporting agency:
a. personal identifying details, including your name, current and previous addresses, driver's licence number, date of birth and employer;
b. the fact you have purchased a Reef Visions product or service, and any credit limit on your account;
c. the amount of any payments which are overdue for at least sixty (60) days, when steps have been taken by Reef Visions to recover those overdue payments;
d. where an overdue payment has been previously reported, advice that the payment is no longer overdue;
e. cheques or credit card payments which have been dishonoured;
f. court judgments or bankruptcy orders made against you;
g. that, in the opinion of Reef Visions, you have committed a serious credit infringement; and
h. when Reef Visions ceases to provide products or services to you.
You authorise Reef Visions to disclose the information described in clause 7 to a credit reporting agency. You also authorise Reef Visions to seek from or give to any credit providers authorised by you or named in a credit report or to other telecommunications providers (carriers or carriage service providers), and Reef Visions franchisees, agents, contractors and outlets, the same information and any other information on this form and any other information on your credit worthiness, credit history or credit capacity that credit providers are allowed to give under the Privacy Act.

You authorise Reef Visions to obtain and use personal credit information (eg; your existing household loans and personal credit card history) for the purpose of considering an application by you for commercial credit; (to use the Reef Visions service and your phone as a sole trader.) You authorise Reef Visions to obtain and use commercial information about your commercial credit worthiness or commercial history (your existing credit record as a sole trader) when considering an application for consumer credit, for example where the Service will be used for domestic purposes.

Reef Visions may refuse or cancel the supply of products or services on the basis of its credit assessment of you. You are entitled to see, and to correct, any credit information which Reef Visions holds about you.

Contacting Reef Visions
Reef Visions is concerned to ensure that your Internet experience is a safe and enjoyable one. If you have any questions or comments about this Privacy Statement you can contact Reef Visions on:

Telephone: (03) 5159 6604
By email: info@reefvisions.com
By Fax: (03) 5159 6738
By mail: PO Box 51, Dinner Plain, Vic 3898

Changes to this Privacy Statement
This Privacy Statement may change from time to time. Any changes to Reef Visions Privacy Statement will be highlighted in this area from time to time.
This policy was last updated on 7th of February 2004.