Privacy Policy

 

We collect information you give us including:


When you register for an account: Information such as your name, addresses, telephone numbers, email addresses or user ID (where applicable) when you register for an account with us
When we verify you or your account: we may collect and process information (as permitted by law) to authenticate you or your account, or to verify the information that you provided to us
When you transact on our Services: such as when you post an ad, reply to an ad, information you provide during a transaction or other transaction-based content.
When you engage with our community: such as when you submit a web form or participate in community discussions or chats
When you interact with your account: such as updating or adding information to your account, adding items to alerts lists and saving searches.
When you contact us: such as through a web form, chat or when we otherwise communicate with each other. We may also record our calls with you (if we have your consent to do so)

We collect information automatically including:
Information from the devices you use when interacting with us or our Services such as device ID or unique user ID, device type, ID for advertising and unique device token
Information about your location such as geo-location
Computer and connection information such as statistics on your page views, traffic to and from the sites, referral URL, ad data, your IP address, your browsing history and your web log information

We collect information using cookies, web beacons and similar technologies including:
• Information about the pages you view, the links you click and other actions you take on our Services, or within our advertising or email content. For more information about our use of these technologies and how to control them, see our notice on Cookies, Web Beacons and Similar Technologies.
 

Information we collect from other sources including:


Information we get from third parties such as publicly available demographic information, publicly available contact information, credit check information and information from credit bureaus, as allowed by applicable national laws
Information from social media sites when you use those sites to register, share information or connect to your account. Those sites may automatically give us access to some personal information they hold about you (e.g., content you viewed, content you liked, and information about the advertisements you were shown or clicked on, etc.). If you give us access to any account with video content, we may share your video viewing with, or collect information about your video viewing from, third-party social media sites for at least two years or until you withdraw consent. You control the personal information we have access to through your privacy settings on the social media site and the permissions you give us when you grant us access. When you grant us access to information held by social media sites you agree that we may collect, use and retain it in accordance with this Privacy Notice
Information other users may provide about you. If another user gives us information about you, they must tell you about our collection, use, disclose and retention policies before giving us the information. They must also get your explicit consent before giving us your information

We use your personal information to provide, improve and personalise our Services

Your personal information allows us to:


• Provide you with access to and use of our Services as well as access to your history, internal messages and other features we may provide
• Offer you site content that includes items and services that you may like
• Provide you with credit offers and opportunities on behalf of other members of our corporate family and their financial institution partners. However, we don’t share financial information without your explicit consent
• Customise, measure and improve our Services
• Provide other services requested by you as described when we collect the information
• To provide you with location-based services (such as advertising, search results and other personalised content)


We use your personal information to contact you about your account:

We may contact you via email, telephone, SMS messages or postal mail:


• To give you customer support about your account such as to troubleshoot problems.
• For other reasons such as to enforce our Terms of use or policies and any other agreement we may have with you


We use your personal information to personalise our advertising and marketing, including to:


• Personalise, measure and improve our advertising
• Contact you, either via email, telephone, SMS text messages or postal mail to offer you discounts and special promotions and to let you know about our Services (if you have consented to this contact). Message and data rates may apply
• Deliver targeted marketing, service updates and promotional offers


We use your personal information for legal compliance reasons, including to:


• Prevent, detect, mitigate and investigate fraud, security breaches, potentially prohibited or illegal activities
• Enforce our Privacy Notice, our Terms of use or other policies


Retention of personal information:

If your account is active, we will keep your personal information as long as we need it for our operations. We may also keep personal information from closed accounts to comply with national laws, stop fraud, collect fees owed, assist with any investigation, enforce our Terms of use and take other actions under applicable national laws. If we no longer need your personal information, we securely dispose of it.

We use your personal information to provide, improve and personalise our Services

Your personal information allows us to:


• Provide you with access to and use of our Services as well as access to your history, internal messages and other features we may provide
• Offer you site content that includes items and services that you may like
• Provide you with credit offers and opportunities on behalf of financial institution partners. However, we don’t share financial information without your explicit consent
• Customise, measure and improve our Services
• Provide other services requested by you as described when we collect the information
• To provide you with location-based services (such as advertising, search results and other personalised content)


We use your personal information to contact you about your account:

We may contact you via email, telephone, SMS messages or postal mail:


• To give you customer support about your account such as to troubleshoot problems, to collect fees or monies owed to us, or to get your opinion through surveys
• For other reasons such as to enforce our Terms of use or policies and any other agreement we may have with you


We use your personal information to personalise our advertising and marketing, including to:


• Personalise, measure and improve our advertising
• Contact you, either via email, telephone, SMS text messages or postal mail to offer you discounts and special promotions (if you have consented to this contact). Message and data rates may apply
• Deliver targeted marketing, service updates and promotional offers


We use your personal information for legal compliance reasons, including to:


• Prevent, detect, mitigate and investigate fraud, security breaches, potentially prohibited or illegal activities
• Enforce our Privacy Notice, our Terms of use or other policies


Retention of personal information:

If your account is active, we will keep your personal information as long as we need it for our operations. We may also keep personal information from closed accounts to comply with national laws, stop fraud, collect fees owed, assist with any investigation, enforce our Terms of use and take other actions under applicable national laws. If we no longer need your personal information, we securely dispose of it.

 

• You can see, review and change your personal information by signing in to your account. Please update your personal information immediately if it changes or is inaccurate.
• Once you make a public posting, you may not be able to change or remove it. If you ask us to, we will close your account and remove your personal information from view as soon as reasonably possible, based on your account activity and as required under applicable national laws.
• We will honour your right to request access to, or modification or deletion of, your personal information. We may have the right to withhold that access or refuse to modify or erase your personal information under applicable national laws, but we will give you reasons if we do so

 

We may disclose your information to law enforcement and other parties in connection with the law, including:


• law enforcement or governmental agencies, or authorised third-parties, in response to a verified request regarding a criminal investigation, alleged or suspected illegal activity, or any other activity that may expose us, you or any of our users to legal risk or if we believe in good faith that disclosure is necessary for the prevention or detection of crime, the capture or prosecution of offenders, or the assessment or collection of tax or duty
• participants of the “Verified Rights Owners Program” under confidentiality agreement, if we decide that it is necessary to disclose that information in connection with an investigation of fraud, intellectual property infringement, piracy or other unlawful activity
• credit agencies or bureaus as authorised by applicable national laws
• third parties commencing, or involved in, a legal proceeding if they provide us with a subpoena, court order or similar legal document
• other third parties to comply with our legal requirements, enforce our Terms of use, respond to claims that a listing or other content violates the rights of others, or if we otherwise believe in good faith that the disclosure is needed to prevent imminent physical harm, harm to property, financial loss or to report suspected illegal activity


Change of ownership

If we were to merge with or be bought by another company, we may share information with them in accordance with our global privacy standards. The new combined entity would comply with this Privacy Notice. If your personal information is to be collected, used, disclosed or retained for any purposes not covered in this Privacy Notice, you will receive advance notice of any changes to the processing of your personal information.