Terms of Use


 

Thank you for visiting www.sbbusinessservices.com. SB Business Services provides this site as a service to its customers. Please review the following basic rules that govern your use of our site. Please note that your use of our site constitutes your agreement to follow and be bound by these terms. If you do not agree to these terms, please do not use this site. Although you may “bookmark” a particular portion of www.sbbusinessservices.com and thereby bypass this agreement, your use of this site still binds you to the terms.

Since SB Business Services may revise this agreement at any time, you should visit this page periodically to review the terms of your use. Should you have any questions concerning any of our policies, please contact us.
 



Legal


This website is expressly owned and operated by SB Business Services ABN 29 770 941 540 unless otherwise noted, all design and content featured on www.sbbusinessservices.com including images, artwork, graphics, photography, text, and the like are copyrights, trademarks, trade dress, and/or intellectual property that are owned, controlled, or licensed by SB Business Services.

This website in its entirety is protected by copyright and applicable trade dress. All worldwide rights, titles, and interests are reserved. The contents of our website and the website as a whole are intended solely for your personal, non commercial use. Any use of our website and its content for purposes other than personal and non commercial is prohibited without the prior written permission of SB Business Services. Do not reproduce, publish, display, modify, sell, or distribute any of the materials from SB Business Services. You may, however, download or electronically copy and print any of the page contents displayed on the site, but please remember that these are available for your personal, non commercial use only.

Should you choose to download, copy, or forward any site materials via email, no right, title, or interest in those materials will be transferred to you.


 

Limitation of Liability


Given the unpredictability of technology and the online environment, SB Business Services does not warrant that the function or operation of this website will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available will be free of viruses or other harmful elements. As a visitor to and user of this website, you must assume full responsibility for any costs associated with the servicing of equipment used in connection with the use of our website. As a visitor to and a user of this website, you, in effect, agree that your access will be subject to the terms and conditions set forth in this legal notice and that access is undertaken at your own risk. SB Business Services shall not be liable for damages of any kind related to your use of or inability to access this website.


You agree to indemnify and hold SB Business Services and its officers and employees harmless from any claims of any nature (including legal costs) by any third party arising out of, or in connection with, your use of the SB Business Services website.



Privacy Policy



​

At SB Business Services, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.
What information do we collect and how do we use it?



When we perform our services, we ask you for the information we need to advise you about your safety requirements. This can include a broad range of information ranging from your name, address, contact details, age to other information about your personal affairs including your assets, personal belongings, financial situation, health and wellbeing.



 

From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.


What if you don’t provide some information to us?



We can only fully advise you and assist in providing our consultancy services, if we have all relevant information.


How do we hold and protect your information?



 

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.





We hold the information we collect from you initially in a working file, which when completed is electronically imaged and stored, after which any paper is destroyed in our onsite shredder. In some cases, your file is archived and sent to an external data storage provider for a period of time.
We only use storage providers located in Australia who are also regulated by the Privacy Act.



 

We ensure that your information is safe by protecting it from unauthorised access, modification and disclosure. We maintain physical security over our paper and electronic data and premises, by using locks and security systems. We also maintain computer and network security; for example, we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems where your information is stored.



 

Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.We may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event.  We may also disclose information we collect to the providers of our policy administration and broking systems that help us to provide our products and services to you. However, we will take reasonable measures to ensure that they protect your information as required under the Privacy Act.

 



We may provide your information to others if we are required to do so by law, you consent to the disclosure or under some unusual other circumstances which the Privacy Act permits.



 

How can you check, update or change the information we are holding?


Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.



 

If you wish to access or correct your personal information please write to our Managing Director, Sophie Brenton at SB Business Services, 70 Delaware Drive, Macquarie Hills NSW 2285.



 

We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time then a charge will need to be confirmed for responding to the request for the information.

In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal.



 

What happens if you want to complain?
If you have concerns about whether we have complied with the Privacy Act or this Privacy Policy when collecting or handling your personal information, please write to our Managing Director, Sophie Brenton at SB Business Services, 70 Delaware Drive, Macquarie Hills NSW 2285

 



Your complaint will be considered by us through our internal complaints resolution process and we will try to respond with a decision within 45 days of you making the complaint.


 

Your consent


By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.


 

Website information and content


The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site.



 

To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement.



 

We will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. To the extent permitted by law we will not be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this site.

We believe the content of this site to be accurate, complete and current, however there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors.


We reserve the right to modify the content of this site from time to time.



​

Anonymous data


We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.


 

Cookies


In order to collect this anonymous data we may use “cookies”.  Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. Once you leave the site, the cookie is destroyed and no personal or other information about you is stored.