At MyOZ.com.au ("MyOZ" or "we" or "us" or "our"), we appreciate your use of and contributions to our Web site and features (known as the "services"). MyOZ respects your privacy and is committed to protecting your personal information.
This is our privacy policy and we will comply with it, as well as applicable Australian privacy law, when we gather and use information from users of our services. We encourage you to read this privacy policy to understand what we do with the information we collect from you.

Advertising-Supported Business Model
MyOZ and our extensive set of features are generally funded through advertising dollars. This advertising revenue helps keep MyOZ free of charge for our user community. It also allows us to explore and build new features.
We strive to make advertisements relevant and useful to you. Therefore, we may serve advertisements to you based on the information we collect from you or in relation to your interaction on our site.
We pledge to be transparent about the information we monitor and collect from you. We keep information private between you and MyOZ, except as explained below.

Collection of Information
When you use MyOZ, we collect a variety of information.
• Information you provide. When using our site and services, you may provide information about yourself, such as name, address, and e-mail. This may occur when you register on MyOZ, claim a home, or complete other forms, such as a loan request. We may combine this information with other information we collect from your activity on our Web site or from other companies.
• Cookies and Web beacons. Cookies are bits of electronic information that can be transferred to a computer to uniquely identify that computer's browser. When you visit MyOZ and use our services, we may place one or more cookies on your computer. The use of cookies helps us improve the quality of our services to you, by identifying information which is most interesting to you, tracking trends, or storing information you may want to retrieve on a regular basis, such as your favorite topics. At any time, you may adjust settings on your browser to refuse cookies. However, if you choose to disable cookies, many of the free features and services on MyOZ will not operate properly. Also, the pages of our service may include Web beacons, which are electronic files to count users who have visited that page or to identify certain cookies on the computer accessing that page. Some pages on our site may use third-party Web beacons from Yahoo! In addition to our use of the data to analyze visitor activity on our site, Yahoo! may use anonymous information about your visit in order to improve its products and services and to provide advertisements about goods and services that may be of interest to you.
• Third-party cookies. We work with service providers and advertising networks to track and manage cookie information and your activities while you're on MyOZ or using our services. You may opt-out of cookie tracking and analysis from any of these ad networks by Opting Out of Collection of Information, which is explained further below.
• Usage logs. When you use MyOZ, your computer communicates a variety of information to computer servers, including the existence of cookies, your Internet Protocol address, and information about your browser program. We also create a record of what information you are requesting, such as the page or subject areas you're visiting.

Usage and Disclosure
In general, MyOZ uses the information collected from you to communicate with you and operate our features and services. MyOZ also uses this information to present you with advertising that we believe will be of interest or useful to you.
Your privacy is important and we are committed to protecting information that identifies you personally, where you have chosen to keep it private. If your account profile does not identify you personally, MyOZ won't reveal your identity to third parties except in accordance with this policy.
When we deliver ads based on that data about your use of MyOZ, we keep your identity anonymous. We won't identify you personally to third parties, except in accordance with this privacy policy. Of course, if you choose to respond to an advertised offer with your name and contact information, you will no longer be anonymous to the advertiser.

Some Things are Not Covered
This privacy policy will not apply to the following:
• Public posting. You should keep in mind that the information that you choose to provide in a public area of MyOZ and our services (such as your profile page or the discussion forums) will not be protected by this privacy policy because you have made an active choice to make that information public.
• Aggregated non-personal information and other information without personal identification. While we do not share your personal information with third parties unless permitted above, MyOZ may share aggregate anonymous information with third-parties. This information does not personally identify individuals, but instead provides a helpful understanding of the groups of people who prefer certain types of information and services.

E-mail Management
You may receive e-mail from MyOZ for a variety of reasons - for example, if you took an action on the MyOZ Web site, you signed up for e-newsletter, or you posted questions for response. We respect your desire to manage e-mail correspondence. If you have an account with MyOZ, you can select your preferences through your account tools. Also, you can manage your receipt of some types of communication by following the instructions included in the e-mail we send you.

Opting Out of Collection of Information
MyOZ, its third-party ad network providers, and third-party advertisers (the "MyOZ.com.au Ad Providers") may provide you with advertisements that you may see at MyOZ or other affiliated Web sites. To improve the relevancy and help measure the effectiveness of such advertisements, the MyOZ Ad Providers may use cookies, Web beacons, clear .gifs or similar technologies. These are used to record users' online activity, such as the pages visited, and to learn what types of information are of most interest to the users.
Third-party ad servers and ad networks. Use of these technologies by third-party ad servers is subject to their own privacy policies and is not covered by our privacy policy. Learn more about MyOZ.com.au Ad Providers participating in the Network Advertising Initiative, and the choices you have about these technologies (such as opting-out). Click here to see a list of such services with links to their Web sites. The Network Advertising Initiative offers some centralized opt-out tools; otherwise you must visit each provider's Web site individually and opt out.
MyOZ marketing service provider. If you do not want MyOZ and its marketing service provider to follow your usage of our services via cookies and Web beacons, you can opt-out of the Web site analysis tools.
Opting out of these services does not mean you will no longer receive online advertising. It does mean that the service from which you opted out will no longer deliver ads tailored to your Web preferences and usage patterns.
Windows Live™ Virtual Earth
Windows Live Virtual Earth imagery is supplied by Microsoft Corporation, and use is subject to the Microsoft MapPoint Privacy Statement.

Third-Party Web Sites
Throughout MyOZ, we may link to the Web sites of other companies and/or individuals. These third-party Web sites may collect personal information about users on those Web sites, and MyOZ's privacy policy does not extend to these external Web sites and third parties. Please refer directly to these third parties and Web sites regarding their privacy policies.

Children Under the Age of 18
MyOZ will not knowingly collect personally identifiable information from any person under the age of 18. Our services are not designed to attract the attention of persons under the age of 18.

Storage and Security of Information
Personal information will be processed and stored by MyOZ in databases hosted in Australia. MyOZ has taken reasonable steps to protect the information users share with us, including, but not limited to, setup of processes, equipment and software to avoid unauthorized access or disclosure of this information.

Contacting MyOZ
If you have any questions about this privacy statement, or the privacy practices of MyOZ, please e-mail us at myozau@gmail.com
Please note that this policy may be amended from time to time. You should check back for the most current version before relying on any of the provisions in this privacy policy.
— Updated January 2010