We value your trust and take the protection of your personal information very seriously. This document outlines the way in which ( https://ankofinance.com/ ) AnkoFinance  collect, hold, secure, use and share your personal information. We encourage you to read it, so that you are comfortable with what we do with your personal information.

Contact

If you have any questions regarding this policy, or it’s contents, we invite you to drop us a mail at [email protected]

What is personal information?

As defined by the Privacy Act 1988 (Cth), “personal information” means information or an opinion about an identified individual, or an individual who is reasonably identifiable:

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

Any time we use the term “personal information” in this policy, we are referring to this legal definition of the term.

We do not collect or hold sensitive information such as health related information this is defined in the Privacy Act.

What kinds of personal information does AnkoFinance collect and hold, and how do we collect it?

We always want to provide you with the highest level of service, so we collect and hold personal information that helps us to provide the information, goods or services you might be looking for. If we do not collect the information, we may not be able to provide these things.

We collect your personal information directly from you when you activate or use our services, interact with us, either in person, over the telephone or electronically (e.g. via websites, apps, social media posts, chats, telephone, emails and/or SMS) or as otherwise permitted by law. We may also collect personal information about you from third parties, as described in the ‘Other sources’ section below.

Below are some examples of personal information we may collect from you and how we collect that information:

Shopping with us

When you shop with us, including online, or browse our sites or apps:

• your contact details, delivery address, 
• information about your orders and purchases, including what, how, and when you buy from us
• whether you have taken up or subscribed to any of our offerings such as, subscriptions products, or email lists
• information about your online browsing behavior on our internet sites and apps, including promotions you activated, as well as items you have added to your carts
• information collected and held via our secure financial systems about the payment method you use for your purchases from us
• like many websites, tracking technologies, such as “cookies”, are used to obtain certain types of information such as application activities, current location of your device, type and version of your browser, your device ID and other device metrics when you visit our websites, apps or certain third parties’ websites or apps

Other sources

From time to time we may also collect personal information about you from other sources to help us supplement our records, improve the personalisation of our service to you, etc. For example, we may collect personal information from:

• information service providers to improve data quality e.g. we validate addresses with Australia Post to improve your delivery experience
• Social media if you interact with us, including if you tag us images and videos that you post  to facilitate our service provision or sales promotions
• financial services organizations for fraud prevention.

For what purpose does AnkoFinance collect, hold and use my personal information

We primarily collect, hold and use your personal information to provide services, or to promote and sell goods and services that you have requested, or which we think may be of interest to you. This may also include products and services provided by third parties.

We may also collect, hold and use your personal information for: 

• Security and fraud detection: To protect our team members, customers, premises and systems from malicious or dangerous activity and to verify your identity and to detect fraud activities. We may conduct auditing and monitoring of transactions and financial engagement. 
• Personalisation: To identify your preferences, to recommend and advertise features, products and services that may be of interest to you, and to personalize your experience with Woolworths.
• Managing your online shopping accounts: To fulfill your online orders and maintain your accounts on our websites and apps.
• Communication: To send you offers and other communications that may be of interest to you.
• Investigation: To assist in responding to your complaints or enquiries and to undertake investigations. 
• Analysis and reporting: To understand the preferences and shopping patterns of our customers and to produce other insights about our performance. Typically this involves grouping customers into segments with other customers who share similar demographics and shopping behaviors and the generation of insights at the segment level.
• Purposes permitted or required by law. 
• Improvement of our services and customer experience: To test, review and improve the usability, functionality and effectiveness of our systems, products and services, for example reviewing orders and use of website to improve checkout experience.

Who does AnkoFinance share my personal information with and why

Like most businesses, we work with third parties so we can provide you with better experiences. This means we may share personal information we hold. This may include sharing information:

• with third parties who work with us to provide you products and services. For example, we need to provide your address to delivery providers who fulfil your online orders.
• for the purpose of marketing and advertising. We use your personal information to show you relevant advertising from us. For example, to help personalize the ads you see when browsing or on social media, we share certain information with digital platforms like Google and Meta to create audiences with common interests. We then use these groupings to tailor our advertising for a given audience. 
• with service providers who offer us operational and technical assistance to help us run our business. For example, this may include expert data companies (to help us understand our customers and business), businesses helping us improve data quality (such as Australia Post); print providers (to help with direct mail and card fulfillment); technology and software providers (who support our online and back-end systems); and payments providers. 
• for security and fraud prevention. We work with financial service businesses and other service providers to help detect and prevent fraud, verify your identity and conduct credit checks when necessary. 
• when we restructure our business. For example if we’re involved in a takeover or merger, or sell any part of our business, we may need to share personal information.
• when legally permitted or required by law. For example, we may need to share personal information to assist with police investigations. 
• when you provide your consent to sharing.  We may share your personal information if you provide consent to such sharing or make a written request for us to share your information with a third party.
• We use Google Analytics to help us understand how our customers use the Site. You can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/
  You can also opt-out of Google Analytics here:
  https://tools.google.com/dlpage/gaoptout.
• We use Shopify Audiences to help us show ads on other websites with our advertising partners to buyers who made purchases with other Shopify merchants and who may also be interested in what we have to offer. We also share information about your use of the Site, your purchases, and the email address associated with your purchases with Shopify Audiences, through which other Shopify merchants may make offers you may be interested in.

Marketing Communications

When you register with our mailing list,  hold an account or become a member of any AnkoFinance brand or program, we may send you commercial electronic messages and tailored advertising if you agree to let us do so. We may send you these messages via various channels and media (including by email, SMS, or via advertising on certain websites and social media), where you have not opted out of receiving such electronic messages from us.

You can opt out of commercial electronic messages (e.g.) emails and SMS), by

• using the unsubscribe facility in any commercial electronic message; or
• for advertising on certain websites and social media, by adjusting your device setting or online privacy settings.  

For third party providers you can opt out of targeted advertising by:

• FACEBOOK – https://www.facebook.com/settings/?tab=ads
• GOOGLE – https://www.google.com/settings/ads/anonymous
• BING – https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads]
• Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: https://optout.aboutads.info/.

For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at https://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

Does AnkoFinance share my information overseas

Some of our service providers including our website host, and email providers may host some or all data outside Australia, or may be located or use locations outside of Australia.

Where we share personal information overseas, we take steps to ensure that our service providers are obliged to protect this personal information in accordance with Australian legal requirements and that they are only permitted to use personal information for the purpose for which it is shared.

We may share your personal information overseas for reasons including:

• where we have made a business decision to engage with a service provider to assist us with certain functions, including data storage, combining and analysing data and processing data, email, or website hosting
• when our supply to you necessarily involves overseas disclosures. For example, we may ship you products directly from an overseas warehouse using an overseas postal service.

Accessing, correcting, or deleting my personal information

You have a right to request access to the personal information we hold about you. You can access or correct your personal information on your online profile via your online account at any time.

However, before we provide you with access to your personal information we may require verification of proof of identity. There is no charge to submit a request to correct or access your personal information, however, we may charge a reasonable fee for giving access to your personal information if your request requires substantial effort on our part. Please contact us at [email protected] to request a copy.

If you believe that any of your personal information is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us at [email protected] to request it be updated.

Minors

The Site is not intended for individuals under the age of 18. We do not intentionally collect Personal Information from children. If you are the parent or guardian and believe your child has provided us with Personal Information, please contact us at the address above to request deletion.

Cookies

Like most companies, we collect electronic information about you (which may or may not be personal information) using cookies and similar technologies when you visit our websites to personalise and improve your experience.

What are Cookies

A cookie is a small file downloaded onto your device when you interact with any online content such as websites, social media sites and apps. The content may be our own, or may be the content of others in which we have an interest, such as our digital banner advertisements.

The information that we collect through cookies may not identify, or relate, to a particular individual. Generally, the information collected through cookies relates to a device used to access online content, such as an IP address or location data about the device (where available and not disabled by the user) and metadata (a set of data that describes and gives information about other data). Cookies may also collect information about the behaviors of the user of the device, such as the websites visited by the user and their activity on the website.

In some circumstances, the information collected through cookies may be combined with information that identifies the end user of the relevant device. This may occur, for example, if you log into your account, or if you interact with certain content (such as a link) that we have sent to you in an email.

This information is collected directly by the providers of those features and is subject to the privacy policies or notices of those providers. Please see their privacy policies for further details, including how you can opt out of specific offerings.

Why do we allow cookies:

We allow cookies to be used for three reasons:

1. We allow session cookies to be used when you visit our online content, including our websites. Session cookies enable your device to move from page to page without you having to log in repeatedly. The placement of this type of cookie generally improves your browsing experience. These cookies are removed when you close your browser and end your online session.
2. We set persistent (permanent) cookies on our website(s) to remember your preferences so that we can improve your website browsing experience. We also allow trusted third parties to set persistent cookies. Persistent cookies will be remembered when you visit the site again and are not removed when you close your browser. These cookies allow us to serve you with targeted advertising and measure the effectiveness of our site functionality and advertising.
3. We use other tracking technologies (such as pixels, beacons and tags) to record your behaviour and activities when you visit our website(s) for the purpose of analytics and targeted online advertising. Collecting this information enables us to:
   1. assess marketing activities such as what promotions to send to you, when and how
   2. send you tailored advertising about products and services that may interest you. You may receive tailored advertising on the websites you visit in the form of banner advertising, or on the social media platforms you use or via email
   3. measure the effectiveness of promotions.

We may for example, access information from cookies set by others such as Google, Adobe, Microsoft, Shopify, and social media platforms.

This information is collected directly by the providers of those features and is subject to the privacy policies or notices of those providers. Please see their privacy policies for further details, including how you can opt out of specific offerings.

Types of cookies used

We have listed the main types of cookies used by Woolworths below.

Essential website cookies.

These cookies are needed to provide you with services available through our websites and to use some of their features, such as access to secure areas, maintain your security and privacy against potential risks and fraud activities to enable us to tailor our menu to your location. Because these cookies are strictly necessary to deliver the websites to you, the websites might become inaccessible if you block those cookies.

A list of these cookies is provided below: