• whether the information or opinion is true or not; and
• whether the information or opinion is recorded in a material form or not.

(1) Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:

In the course of Our general business, We collect personal information such as name, gender, date of birth, address, contact details and information specific to the context of your relationship to Us.

In the course or using Our websites We collect registration information that is necessary for Us to manage Our relationship with you that is specific to that particular website.

For employment applications, We collect your name, address, contact details, current and past employment information, educational qualifications and professional associations. We also collect information about and proof of your residency status, the name and contact details of your referees and other information required for recruitment purposes. Where We seek your consent to conduct a background check, We also collect details of your proof of identity from you.

There are some circumstances where you can deal with Us anonymously including, if you are only looking for general information about one of Our products or services.

(2) In the course of providing Our services to client organizations, We may be provided with data containing personally identifiable elements that are necessary for Us to provide Our services to them. In this case We;

• to deal with inquiries;
• to provide a product or service including;
• communicating details about Our products and services or marketing Our services and products and those of Our related companies, brokers, intermediaries and business partners that may interest you;
• conducting customer research and analytics in relation to Our service and products, improving Our service and products, auditing and quality assurance;
• handling complaints and disputes;
• training Our employees, agents and representatives;
• facilitating Our business processes;
• conducting surveys;
• detecting, investigating and preventing fraud;
• identifying and contacting individuals who do business with Us;
• assessing and processing employment applications; and
• any other purpose communicated to you at the time We collected your personal information or as required or permitted by law.

• third parties that provide services to, or functions on behalf of, Us. For example, Our contractors to whom We contract out certain services, market research contractors and data processing companies for the purpose for which the information was collected or for related purposes, for example to complete a transaction on your behalf or provide you with a service that you requested;
• related companies in Our group of companies where necessary to fulfil Our purposes;
• debt-collection or credit reporting agencies to assist with obtaining payment from creditors;
• information technology service providers responsible for Our communication networks, software and system development and maintenance.

• to prevent a threat to life or health;
• to protect the personal safety of users of this website or the public;
• authorized or required by law;
• as We have reason to suspect that unlawful activity has been, is being or may be engaged in; or
• to enforce the law or necessary to investigate a suspected unlawful activity.

• overseas offices of Ours;
• data processors; and
• information technology and business process service providers.

• We reasonably believe that the recipient of your information is subject to a law, binding scheme or contract with Us which effectively upholds principles for fair handling of the information that are substantially similar to the National Privacy Principles and Our Privacy Policy;
• you consent to the transfer;
• the transfer is necessary for the performance of Our contract with you or for the implementation of pre-contractual measures taken in response to a request by you or for the performance of a contract with a third party which is concluded in your interests; or
• as otherwise permitted by the National Privacy Principles.

• in Our secure computer systems or databases, which may involve storing data on storage or computer systems provided by third party suppliers;
• in paper records; and/or
• in telephone recordings (used for training and verification purposes).