Terms and Conditions

Your Personal Information


While using the Site you may be given the opportunity to enter or provide information or

content. This content may be about yourself or it may be part of the registration details

required to gain access to a part of the Site. Also, you may be given an opportunity to post

information, for example, on a bulletin board, email list or messaging service within the Site.

Your personal information includes any information you provide to us or other users while

using the Site or through any other service we provide (Personal Information).

You must ensure that Personal Information and any information you provide in relation to your

use of the Site:

 is true;

 does not infringe any third party's copyright, patent, trade mark, trade secret or other

proprietary rights or rights of publicity or privacy;

 does not breach any other law, such as the law of defamation, obscenity or against

vilification and discrimination;

 does not interfere with another user's use or enjoyment of the Site; and

 does not contain any computer viruses.

We will only use Personal Information in accordance with these Terms and Conditions and the

Privacy Policy. By accepting these Terms and Conditions, you also consent to certain collection,

use and disclosure of your Personal Information in accordance with the Privacy Policy You

acknowledge and agree that we may take any action with respect to your Personal Information

if we deem it necessary or appropriate in our sole discretion: for example, if we believe your

Personal Information may create any liability for us.

Links

Parts of the Site may have links through to webpages not controlled, associated or affiliated

with us. We are in no way responsible for any content appearing on such a webpage. The fact

that a link to such a webpage may be included on the Site does not mean that we in any way

endorse, promote or are associated or affiliated with that site or any of that site's content.

Intellectual Property

All text, graphics, software on the Site, including where included in advertisements (Content),

is our copyright material unless indicated otherwise. We and our suppliers may have trade

marks (both registered and unregistered) subsisting in the Content. The Content is protected

by relevant intellectual property laws.

We authorise you to use and distribute the Content strictly for your own personal and internal

business use only. You are not otherwise authorised to modify, copy, republish, frame, adapt

or distribute this Content without our written permission.

Information on the Site

In preparing the Site, we rely on information supplied by external sources. Please read our

Disclaimer statement in relation to this information before accepting (or declining) these

Conditions of Use. Our Disclaimer is part of these Conditions of Use.

Breach and termination

If you breach these Conditions of Use (including the non-payment of fees) we may temporarily

suspend or permanently prevent your access to all or certain parts of the Site. This is in

addition to other remedies at law.

Limitation of Liability

We do not guarantee continuous, uninterrupted or secure access to the Site and operation of

the Site may be interfered with by numerous factors outside of our control.

Except as provided by law, we provide the Site "as is" and without any warranty or condition,

express or implied. To the maximum extent permitted by law, we specifically disclaim the

implied warranties of title, merchantability, fitness for a particular purpose and non-
infringement. We will not be liable for any lost profits or any special, incidental or

consequential damages (however arising, including negligence) arising out of or in connection

with this.

The following limitation of liability applies if the Australian Trade Practices Act 1974 or any

consumer protection legislation of any Australian State or Territory applies to you. To the

extent that we are able to limit the remedies available under these Terms and Conditions, we

expressly limit our liability for breach of a condition or warranty implied by virtue of any

legislation to the following remedies (the choice of which is to be at our sole discretion):

supply of the services again; or

the payment of the cost of having the services supplied again.

Nothing in these Terms and Conditions is intended to limit or exclude any liability on our part,

where and to the extent that applicable law prohibits such exclusion or limitation.

Indemnity

You indemnify us against any action, liability, claim, loss, damage, proceeding, expense

(including legal costs) suffered or incurred by us arising from, or which is directly or indirectly,

related to:

your breach or non-observance of any term or condition of this User Agreement;

any breach or inaccuracy in any of your representations or warranties; or

any action or claim brought by a third party which relates to all or any part of the Personal

Information that you have provided to us or other users.

In relation to a Claim, we may require you to conduct the defence, including negotiations for

settlement or compromise prior to the institution of legal proceedings or modify, alter or

substitute any potentially infringing part of the Personal Information at your own expense, to

render the Personal Information non-infringing. You must comply with any requirement

notified

General

These terms are be governed by and construed in accordance with the laws of the State of

New South Wales, Australia. All users of the Site submit to the non-exclusive jurisdiction of the

courts of the State of New South Wales, Australia.

The provisions of these Terms and Conditions are severable and if any provision of these

Terms and Conditions is held to be invalid or unenforceable, that provision may be removed

and the remaining provisions will be enforced.

Our failure to act with respect to a breach of these Terms and Conditions by you or others

does not waive our right to act with respect to subsequent or similar breaches. These Terms

and Conditions set out the entire understanding and agreement between you and us with

respect to its subject matter.

Ask an Expert

Requests going beyond a first-level answers are not part of the ask an expert service provided

via this website. Subscribers requiring more detailed assistance will be directed to appropriate

resources.

Ask an expert service assists subscribers with employment issues in their own businesses. It is

not available to consultants or other professionals to answer their clients' questions. Special

contractual arrangements can be discussed if consultants/professionals so wish.

Disclaimer

Ask an Expert is not a legal advice column and should not be relied upon in place of specific

legal advice. To the full extent permitted by law, the NSW Business Chamber Limited and its

related entities excludes and disclaims all liability for any loss or damage which may be

suffered or incurred by any person, company or organisation arising from reliance on material

posted on the site or provided the recipient.

Privacy

St George Business Chamber- Privacy Policy

St George Business Chamber provides membership and business services such as training

services, employment and industrial relations services, international trade services,

apprenticeship and traineeship services and general business products and services through its

various divisions, affiliates and subsidiaries.

The St George Business Chamber and its divisions, affiliates and subsidiaries have adopted a

uniform approach to collecting, using, disclosing and protecting personal information. Some of

St George Business Chamber alliances, affiliates and subsidiaries have their own Privacy

Policy. Please refer to such policies when dealing with the relevant division, affiliate or

subsidiary.

The purpose of this policy

We are bound by the Privacy Act and the Australian Privacy Principles (APPs) which regulate

the collection, use and disclosure of personal information.

This Privacy Policy explains:

 the scope of our Privacy Policy;

 why we collect personal information;

 what personal information we collect;

 how we collect and use your personal information;

 how we disclose your personal information, including to overseas recipients;

 your right to access your personal information;

 your right to correct your personal information;

 how we protect the integrity of your personal information;

 your right to make a privacy complaint; and

 how you can contact us regarding privacy concerns.

We reserve the right to review, and if necessary, change this Privacy Policy. We will post

changes to this Privacy Policy on our Website. This Privacy Policy is on our Website.

Scope

This Privacy Policy governs all personal information collected by and provided to us and must

be adhered to by all persons who access, use, process, control or otherwise deal with personal

information on our behalf. This policy applies to independent contractors and job applicants,

as well as individuals who provide us with their personal information.

This Privacy Policy does not apply to our acts and practices which relate directly to the

employee records of our current and former employees.

What is personal information?

Personal information is any information that can be used to identify you. This includes any

personal information or opinions about you, whether true or not, no matter how the

information or opinions are recorded. The information may be collected from you directly or

provided to us by another party.

Sensitive information is a special category of personal information and includes, but is not

limited to, information about your health, race or ethnic origin, political or religious beliefs,

membership of a trade union or association, or criminal record. Health information includes

personal information collected from you in order to provide a health service. There are greater

restrictions that apply to our collection, storage, use and disclosure of sensitive information

under the Privacy Act.

Why do we collect personal information?

We collect personal information from you for the following purposes (Primary Purpose):

a) to lawfully carry out our functions and activities;

b) to deliver the products and services that you requested;

c) to provide you with further information about the products and services you requested;

d) to personalise and customise your experiences with us;

e) to help us review, manage and enhance our services;

f) to develop insights used in reports or other content developed by us;

g) to communicate with you;

h) for administration purposes, including charging, billing and collecting debts;

i) to promote and market those of our other products and services which we consider

may be of interest to you;

j) when considering making offers to job applicants and prospective employees or for

employment purposes; and

k) to receive services from you or the organisation which employs you.

In addition to the Primary Purpose, we may use the personal information we collect and you

consent to us using your personal information to:

a) provide you with news about any products and services;

b) send you marketing and promotional material that you may be interested in;

c) communicate with you, including by email, telephone and mail;

d) manage and enhance products or your experience on our Website and domains;

e) conduct surveys or promotions;

f) verify your identity;

g) investigate any complaints about, or made by you, or if we have reason to suspect you

have breached any relevant terms and conditions; and

h) as required or permitted by any law.

Unless otherwise provided by law, we will not collect, hold, use or disclose sensitive

information without your consent.

What personal information do we collect?

The nature and extent of personal information we collect varies depending on your particular

interaction with us and the nature of our functions and activities.

Personal information that we commonly collect from you would include (but is not limited to):

a) your name, position, date of birth;

b) your address, email address, telephone numbers, gender, driver’s licence number;

c) your financial information including credit card and banking information, business

references, details about your business, Australian Business Number;

d) nature of products or services being sought for the purposes of filling your order;

e) insurance details, rates and fees; and

f) your occupation, career history and references.

We also collect information that is not personal information, such as data relating to your

activity on our Website.

If you feel that the personal information that we are requesting at any point is not information

that you wish to provide, please feel free to raise this with us.

How do we collect personal information?

Generally, personal information is collected by us from a variety of sources, including when

dealing with members or customers, when dealing with individuals, undertaking marketing

initiatives, or when recruiting.

For example, we may collect personal information from you in the following circumstances:

 when you are dealing with membership services, fulfilling your registrations to events,

webinars, participating in surveys or purchasing products or services;

 when you deal with us as an independent contractor; or

 when you apply for a job.

Personal information may be provided by you using our Website or by telephone, business

cards, contracts, applications, competition entries, survey entries, mail or email, registration

forms, face-to-face or in writing, whether verbally, in hardcopy or electronic format.

Where possible, we collect your personal information directly from you. In some circumstances

we may obtain personal information from a third party.

If you provide personal information about another person to us, we require that you:

 inform that person you have done so and provide them with a copy of this policy; and

 confirm to us that you have that person’s consent to provide such information for the

purpose specified.

If we receive unsolicited personal information about you that we could not have collected in

accordance with this Privacy Policy and the Privacy Act, we will within a reasonable period,

destroy or de-identify such information received.

Website and Google analytics

 Information we collect may include:

a) the Internet Protocol address and a component of the domain name used (e.g. .com or

.net);

b) the type of browser and operating system you used;

c) the date and time you visited our Website;

d) the web pages or services you accessed at our Website;

e) the time spent on individual pages and our Website overall;

f) which files you downloaded; and

g) information about your computer and Internet connections using cookies.

 We use Google Analytics Demographics and Interest Reports to obtain a more detailed

understanding of our Website users and their potential needs. We do not collect personal

information by such methods; only aggregate data is used for planning purposes.

How do we use your personal information?

We will only use and disclose your personal information:

 for purposes which are related to the Primary Purpose; or

 if we otherwise get your consent to do so, in accordance with this Privacy Policy and the

Privacy Act.

We will not use your personal information for any purpose for which you would not reasonably

expect us to use your personal information. Additionally, we will not disclose your sensitive

information without your consent, unless there is a need to disclose such information in

accordance with the Privacy Act or to comply with any other regulatory requirement.

We will only use or disclose your personal information for the purposes of direct marketing if:

 we collected the information from you;

 it is reasonable in the circumstances to expect that we would use or disclose the

information for direct marketing purposes;

 we provide you with a simple means to ‘opt-out’ of direct marketing communications from

us; and

 you have not elected to ‘opt-out’ from receiving such direct marketing communications

from us.

You may opt out of receiving such communications by:

a) clicking a link on the email communications sent to you;

b) updating your Preferences options by logging onto your Member Dashboard or

d) writing to us at Business Hotline, NSW Business Chamber, PO Box 705, Hurstville NSW

1480.

What happens if you choose not to provide your personal information?

You are not obliged to give us your personal information. If you would like to access any of our

services on an anonymous basis or using a pseudonym, we will take reasonable steps to

comply with your request. However, we will require you to identify yourself if:

 we are required by law to deal with individuals who have identified themselves; or

 it is impracticable for us to deal with you if you do not identify yourself or elect to use a

pseudonym.

Please also be aware that your request to be anonymous or to use a pseudonym may affect

our ability to provide you with the requested goods and/or services and the range of options

available to you or the organisation as a member may be limited.

For example, we may not be able to provide the full range of member services or allow you or

your organisation to participate in networking functions, seminars and events, or successfully

deliver any products and services that you have purchased from our Website if you do not

provide your personal information.

When do we disclose your personal information?

For the purposes referred to above in this Privacy Policy, you acknowledge and agree that we

may disclose personal information and you consent to us disclosing such personal information

to:

a) our Affiliated Entities;

b) third parties engaged by us to perform functions or provide products or services on our

or their behalf such as mail outs, marketing or advertising;

c) third parties that sponsor or promote us;

d) third party contractors engaged to provide online credit card account processing and

related services. When you pay your accounts online, a secure server is used. SecurePay

encrypts the information you send through our Website. For further information about

SecurePay and how they collect, use and disclose personal information, please use the link

provided below. For further information about the encryption process, please use the link

provided. We make no warranty in respect of the strength or effectiveness of that encryption

and we are not responsible or liable for events arising from unauthorised access of the

information you provide;

e) your referees and former employers;

f) credit agencies;

g) our professional advisors, including our accountants, auditors and lawyers;

h) persons authorised by you to receive information held by us; and

i) any persons as required or permitted by any law.

Do we send information overseas?

We may in some circumstances as necessary send personal information to overseas recipients

(including recipients which may or may not be affiliated with us). The countries in which likely

overseas recipients of personal information are located includes: USA.

If we send personal information to overseas recipients, we will take reasonable measures to

protect your personal information such as ensuring all information is de-identified where

appropriate before being transmitted. However, you acknowledge and agree that if we

disclose personal information to overseas recipients, we are not obliged to take reasonable

steps to ensure overseas recipients of your personal information comply with the Privacy Act

and the APPs.

Access to your personal information

If you require access to your personal information, please contact Privacy Contact Officer. You

are required to put your request in writing and provide proof of your identity.

We are not obliged to allow access to your personal information if:

a) we reasonably believe that giving access would pose a serious threat to the life, health

or safety of any individual, or to public health or public safety;

b) giving access would have an unreasonable impact on the privacy of other individuals;

c) the request for access is frivolous or vexatious;

d) the information relates to existing or anticipated legal proceedings between you and us

and would not ordinarily be accessible by the discovery process in such proceedings;

e) giving access would reveal our intentions in relation to negotiations with you in a way

that would prejudice those negotiations;

f) giving access would be unlawful;

g) denying access is required or authorised by or under an Australian law or a

court/tribunal order;

h) we have reason to suspect that unlawful activity, or misconduct of a serious nature

relating to our functions or activities has been, is being or may be engaged in and giving

access would be likely to prejudice the taking of appropriate action in relation to the matter;

i) giving access would be likely to prejudice one or more enforcement related activities

conducted by, or on behalf of, an enforcement body; or

j) giving access would reveal internal evaluative information in connection with a

commercially sensitive decision-making process.

If you make a request for access to personal information, we will:

 respond to your request within a reasonable period; and

 if reasonable and practicable, give access to the information in the manner requested.

If we refuse to give access to the personal information because of an exception or in the

manner requested by you, we will give you a written notice that sets out at a minimum:

 our reasons for the refusal (to the extent it is reasonable to do so); and

 the mechanisms available to complain about the refusal.

We reserve the right to charge you reasonable expenses for providing access to personal

information, for example, a fee for photocopying any information requested by you.

Nothing in this Privacy Policy replaces other informal or legal procedures by which you can be

provided with access to personal information.

Correction of your personal information

We request that you keep your personal information as current as possible. If you feel that

information about you is not accurate or your details have or are about to change, you can:

a) call us on 13 26 96 and we will correct or update your personal information; or

b) if you have a login to our Website then you can click on Update My Details to change

your details, when you are logged in.

If you make a request to correct your personal information, we will:

 respond to your request within a reasonable period; and

 if reasonable and practicable, correct the information in the manner requested.

If we refuse a request to correct personal information, we will:

 give you a written notice setting out the reasons for the refusal and how you may make a

complaint; and

 take reasonable steps to include a statement with your personal information we refuse to

correct.

We reserve the right to charge you reasonable expenses for making a correction to your

personal information, for example, a fee for photocopying relevant information.

Nothing in this Privacy Policy replaces other informal or legal procedures by which you can

correct personal information.

Integrity of your personal information

We will take reasonable steps to:

 ensure that the personal information that we collect is accurate, up to date and complete;

 ensure that the personal information that we hold, use or disclose is, with regard to the

relevant purpose, accurate, up to date, complete and relevant; and

 secure your personal information while it is being held by us.

We will take reasonable steps to protect personal information from:

 misuse, interference and loss; and

 unauthorised access, modification or disclosure.

Electronic information is protected by various security measures (including encryption and

password protection) and physical paper files are stored in a secure location. Personal

information is de-identified where appropriate. Data protection includes the use of password

access areas and secure servers.

You acknowledge that the security of communications sent by electronic means or by post

cannot be guaranteed. We cannot accept responsibility for misuse, loss or unauthorised access

to your personal information where the security of information is not within our control. If you

suspect any misuse or loss of your personal information please contact us immediately.

We will take reasonable steps to destroy or de-identify any personal information held by us if

we no longer need to hold the information for the purpose it was collected and we are not

otherwise required by law to retain the information.

Complaints

If you have a complaint about how we collect, use, disclose, manage or protect your personal

information, or otherwise consider there may be a breach of the Privacy Act or the APPs,

please contact us in writing.

We treat all complaints seriously and intend to resolve your complaint within a reasonable

timeframe, usually 14 days or otherwise as soon as practicable. However, in some complex

cases, resolution may take longer.

Once the complaint has been received, we will try to resolve the matter in a number of ways:

1 Request for further information: We may request further information from

you. You should be prepared to provide us with as much information as possible, including

details of any relevant dates and documentation. This will enable us to investigate the

complaint and determine an appropriate solution. All details provided will be kept confidential.

2 Discuss options: We will discuss options for resolution with you and if you have

suggestions about how the matter might be resolved you should raise these with our Privacy

Contact Officer.

3 Investigation: Where necessary, the complaint will be investigated. We will try to

do so within a reasonable time frame. It may be necessary to contact others in order to

proceed with the investigation. This may be necessary in order to progress your complaint.

4 Conduct of our employees: If your complaint involves the conduct of our employees

we will raise the matter with the employees concerned and seek their comment and input in

the resolution of the complaint.

You are free to lodge a complaint directly with the Office of the Australian Information

Commissioner (OAIC) online, by mail, fax or email. For more information please visit the

OAIC website at http://www.oaic.gov.au/privacy/making-a-privacy-complaint.

Contact

Please forward all correspondence in respect of this Privacy Policy by mail:

St George Business Chamber

PO Box 705,

Hurstville, NSW 1480

Australia

Interpretation and Definitions

Personal pronouns: Except where the context otherwise provides or requires:

 the terms we, us or our refers to St George Business Chamber and its Affiliated Entities

(as appropriate); and

 the terms you or your refers to any person who provides us with personal information,

whether via the Website or otherwise.

Defined terms: In this Privacy Policy unless otherwise provided, the following terms shall

have their meaning as specified:

 Affiliated Entities means St George Business Chamber subsidiaries, affiliates, associated

entities and relevant partners as the case may be or the context requires from time to time.

 St George Business Chamber means St George Business Chamber (ABN 2192502251) of PO

Box 705, Hurstville NSW 1480.

 Privacy Act means the Privacy Act 1988 (Cth) as amended.

 Privacy Policy means this privacy policy as amended.

 Website means the St George Business Chamber website,

 Terms italicised and defined in the Privacy Act have the meaning given to them in the

Privacy Act.