We care about your privacy and are committed to respecting your right to privacy and to
complying with all of our privacy obligations under the Privacy Act 1988 (Cth) (Privacy Act),
including the Australian Privacy Principles (Principles). The Principles are designed to protect
confidentiality of information and the privacy of individuals by regulating the way personal
information is managed. We will not sell or share your personal information to any third party
advertisers, please read our policy below for further information.

Collecting Your Personal Information
We will only collect personal information about you if you provide it to us or otherwise in
accordance with this Policy. We collect your personal information to allow us to conduct our
business functions and to market and sell our products and services, as well as the specific
purposes for which we collect your personal information. If you do not provide us with certain
personal information, we may not be able to provide some of our products and services to you.
We may also collect and disclose personal information that is not sensitive information (unless
you have agreed that we can do so) about you from and to our related companies, including
(but not limited to) where you are a customer of ours and also a customer of our related

Our Website
We may keep a record of visits to our website to store your preferences, record session
information and collect information on how you visit and access our web pages. This information
is collected automatically whenever you use the website. In some cases, it is an affiliate of ours,
eg. our website hosting company, that collects the information on our behalf.
Our website may contain links to other sites. We are not responsible for the privacy policies of
such sites. We recommend that you examine the privacy policy of all third party websites
including their data collection and other practises which are outside of our control.
Storage of Information
All information gathered by Muranno Group is stored within a database operated by us or an
affiliate of ours on our behalf. We cannot guarantee the security of the database, nor can we
guarantee the information you supply won’t be intercepted while being transmitted to us over the

Disclosing Your Personal Information
We may disclose your personal information on a confidential basis only to our related entities or
third parties such as but not limited to credit reporting agencies, debt collection agencies,
regulatory, government or industry bodies, your authorised representatives on our account, our
professional advisors such as lawyers, auditors etc, any dispute lodging party, or agents and
contractors appointed by us in the ordinary operation of our business.
Some of your personal or credit related information may be disclosed, processed or stored
overseas by us or by our third party service providers. Where such parties are located overseas,
you may have rights to enforce such parties’ compliance with applicable Muranno Group data
protection laws, but you may not have recourse against those parties under the Privacy Act in
relation to how those parties treat your personal information.

Collecting And Using Your Credit Related Personal Information
Credit information is the basic category of personal information in the credit reporting system. It
includes the following types of information collected by us that we may give to a credit reporting
● your identification information;
● information about any application for credit you make with us including the amount of
credit you apply for; and
● default information.

Credit information does not include sensitive information, for example criminal records or
medical history. Credit reporting information means credit information that a credit reporting
body holds and discloses to us about a customer or the information derived by us from the
credit reporting information, for example a credit score.
We collect credit related personal information when you apply for an account with Muranno


We may:
● collect credit-related personal information about you from other sources including but not
limited to, any of Muranno Groups related entities, credit reporting bodies and credit or
debt collection agencies;
● receive credit-related personal information and disclose credit-related personal
information to any credit provider or any credit reporting body for the purposes of
exchange of information, assessing credit worthiness and notification of credit default;
● where you default in your payment obligations to us, disclose information relating to that
default account to a debt collection agency for the purpose of receiving any or all of the
amounts outstanding.

By purchasing from us or providing your personal details on this website, you agree that we (or
any of our related companies, service providers or other business partners) may contact you by
any means (including by SMS or email) in the future (even if you cease being a customer of or
otherwise cease acquiring products and services from us) to let you know about goods,
services, promotions, competitions or special offers which may be of interest to you. We may
also disclose your information to other persons or entities who assist us in providing our
services or running competitions or promotions or with other companies who provide prizes for
competitions. If you do not wish for your personal information to be used for marketing
purposes, you can opt out by contacting our Customer Service Team on 1300 199 855 or
emailing us at