PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THIS WEBSITE.

These Terms of Use define the terms by which you may use the www.lowerbills.com.au website (“Website”), and are an agreement between you and Lower Bills, Suite 309, 4 Young Street, Neutral Bay, NSW, 2089 Australia (“Company”)(the Company and Website are collectively referenced as “we” or “us”). By using this Website, you expressly acknowledge that you have read, accept, and agree to be bound by these Terms of Use, as well as any applicable laws hereunder. You should not use this Website, if you do not agree to these Terms of Use.

We may amend our Terms of Use at any time without notice or in our sole discretion, and any such modifications will apply immediately. You should check this page periodically to ensure you are aware of any changes. The Privacy Policy posted to our Website also forms part of these Terms of use. We may at any time amend the Privacy Policy or introduce new policies regarding the use of this Website. Any reference to our Terms of Use includes all such policies.

1. Confidentiality and Security of Personal Information

   We follow generally accepted industry standards to protect personally identifiable information sent to our Website, both during transmission and afterwards. It is your responsibility to ensure that you do not disclose your password to anyone.

   However, despite our efforts to maintain the confidentiality and security of your account, no method of transmission over the Internet and no method of electronic storage is completely secure. Although we make every effort to protect your personal information, we cannot guarantee its absolute security.

2. Personal Information We Will Collect

   When register an account with us, we may collect personal information from you. You must provide contact information (such as name and email address). We may use the personal information you have provided to us in order to contact you.

   We may collect the IP address of your computer in order to enable us to detect unauthorized transactions and to better manage website traffic.

   We may also use “cookies,” which are small data files placed and stored on your computer), to help you manage your use of our Website. Cookies are used as follows:

   1. To recognize you as a regular user;

   2. To remind us of who you are;

   3. To estimate our audience size by determining repeat usage of the Website to help target advertisements based on user interests and behavior;

   4. To track your progress;

   5. To measure traffic patterns for use as a research tool to understand how our users habits are similar or different from one another; and

   6. To conduct other research.

3. Purposes for Which We Will Use Personal Information

   We make every effort to identify the purposes for which we will collect personal information at or before the time the information is collected. We will use your personal information only for the purposes disclosed at the time of collection or as otherwise set out in this Privacy Policy, unless we have your consent for another use, or unless such other use is authorized or required by law.

   Our policy is to collect personal information from you for the following purposes:

   1. To promote and market our services to you (if you subscribe to our newsletter), and to improve those services;

   2. To identify your needs and/or preferences;

   3. To meet legal and regulatory requirements;

   4. To administer, maintain, manage, and improve our business operations; and

   5. as otherwise required by law

4. Sharing of Personal Information

   This Website does not rent, trade, or share personal information with third parties, except to provide products or services, which you requested, when we have your permission, or under the following circumstances:

   1. We may share your information with third parties in order to improve the quality or design of the Website, and to create new features, promotions, functionality, and services by storing, tracking and analyzing user preferences and trends.

   2. We may share your personal information if required by law and if we believe that the disclosure is required or necessary to protect our rights and/or comply with a judicial processing or legal process served on our Website.

   3. We may share personal information if we believe that it is required in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, a potential threat to the physical safety of a third party, or as otherwise required by law.

   4. We may transfer personal information to a third party entity in the event of an assignment of this Website for any reason. You will be notified via email of any such change in ownership or control of personal information.

   5. We may share personal information with our legal, financial, and other professional advisors.

   6. We may share personal information with website developers in the event that we are upgrading or improving our Website.

   7. We may share personal information with third parties upon receiving your consent as required by law. Except as provided above, we will not share any of your information to any third party without permission.

5. Access to Your Personal Information

   You can review, update, delete, or correct your personal information on file with us online or in person at any time. To access your personal information, we require a written request; unless you login and update your personal information yourself directly. Upon receipt of any written request, we will take commercially reasonable steps to provide you with the opportunity to access any such information. We may charge a reasonable fee in order to cover our costs in providing such access.

6. Email Requests for Personal Information

   We will never initiate a request for personal information by email or pop-up window. If you receive a request by email or pop-up window, please do not respond and notify us as set forth below.

   If you ever believe that you have been a victim of fraud, please report it to the police and take all available actions to protect yourself. Also, please notify us, so that we can take all possible actions to protect you and the other users of this Website.

7. Contact with You

   We may use your email address to contact you from time to time, in order to send notices required by law, to provide information regarding this Website, or to resolve any complaint or suspicious transactions. We also may contact you by telephone for the same reasons. We also reserve the right to mail or email information to you about our services, to provide offers to customers, or to send out our newsletter to you. You may at any time choose to unsubscribe (or “opt-out”) of any of our mailings, either by adjusting your membership settings or by contacting us at info@lowerbills.com.au

8. Changes and Updates to this Privacy Policy

   We may amend this Privacy Policy at any time at our sole discretion and without prior notice. If we make any material amendments, we will advise you about those changes by notifying you in a prominent place on our Website. You should check back with us from time to time in order to confirm that there have been no significant changes.

   Please note that the use of information that we gather is subject to the Privacy Policy then in effect at the time of use.

9. Other Legal Notices

   If you ever have a dispute over privacy or security, it will be subject to this Privacy Policy and our Terms of Use. We will always make every effort to resolve any concerns that you have regarding privacy that arises in connection with this Privacy Policy.

10. Contact Us

    If you have any questions or concerns over this Privacy Policy or if you need further information regarding the access to your personal information, or how your personal information is used, you may contact us as listed below:

    Attn Director
    Lowerbills.com.au
    Suite 309, 4 Young Street
    Neutral Bay, NSW 2089

11. Effectivity Date

    This Privacy Policy was last modified on October 20, 2010