Terms of Use

This website is published by Orion Enterprises (Cairns) Pty Ltd trading as 'Life Sumo'. Orion Enterprises (Cairns) Pty Ltd trading as 'Life Sumo' (Authorised Representative No. 1255023) is an authorised representative of Synchronised Business Services Pty Ltd t/as Synchron, Australian Financial Services Licence No. 243313 Life Insurance Broker.

The information contained in this website and any of the resources available through it, including eBooks, fact sheets, and seminars (‘Content’), has been prepared for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances, or needs of any individual have been taken into consideration in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors. You should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances.

Under no circumstances will Orion Enterprises (Cairns) Pty Ltd, Synchronised Business Services Pty Ltd t/as Synchron, Australian Financial Services Licence No. 243313 Life Insurance Broker, its officers, representatives, associates, or agents be liable for any loss or damage, whether direct, incidental, or consequential, caused by reliance on or use of the Content.

This Content is restricted to Australian residents and is for the intended recipient only. From time to time, representatives or associates of Orion Enterprises (Cairns) Pty Ltd trading as 'Life Sumo' may hold interests in or transact in companies or products mentioned herein and may receive fees or other benefits in connection with the making of any recommendation or facilitating a transaction in such companies or products.

www.lifesumo.com.au (the "Site") is owned and operated by Orion Enterprises (Cairns) Pty Ltd trading as Life Sumo. Orion Enterprises (Cairns) Pty Ltd trading as Life Sumo can be contacted at:

• Email: [email protected]
• Phone: (04) 0059 0037
• Address: 25 Howe Street, Cairns North, Qld 4870

Purpose

The purpose of this privacy policy (this "Privacy Policy") is to inform users of our Site of the following:

1. The personal data we will collect;
2. Use of collected data;
3. Who has access to the data collected;
4. The rights of Site users; and
5. The Site's cookie policy.

This Privacy Policy applies in addition to the terms and conditions of our Site.

Consent

By using our Site, users agree that they consent to:

1. The conditions set out in this Privacy Policy; and
2. The collection, use, and retention of the data listed in this Privacy Policy.

Personal Data We Collect

We only collect data that helps us achieve the purpose set out in this Privacy Policy. We will not collect any additional data beyond the data listed below without notifying you first.

Data Collected Automatically

When you visit and use our Site, we may automatically collect and store the following information:

1. IP address;
2. Clicked links; and
3. Content viewed.

Data Collected in a Non-Automatic Way

We may also collect the following data when you perform certain functions on our Site:

1. First and last name;
2. Email address;
3. Phone number;
4. Address; and
5. Payment information.

This data may be collected using the following methods:

1. Creating an account;
2. Registration to 'Broad market online community'; and
3. Subscription to newsletter.

How We Use Personal Data

Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.

The data we collect automatically is used for the following purposes:

1. Statistics and service delivery improvements.

The data we collect when the user performs certain functions may be used for the following purposes:

1. Communication; and
2. Account management.

Who We Share Personal Data With

Employees

We may disclose user data to any member of our organisation who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.

Other Disclosures

We will not sell or share your data with other third parties, except in the following cases:

1. If the law requires it;
2. If it is required for any legal proceeding;
3. To prove or protect our legal rights; and
4. To buyers or potential buyers of this company in the event that we seek to sell the company.

If you follow hyperlinks from our Site to another site, please note that we are not responsible for and have no control over their privacy policies and practices.

How Long We Store Personal Data

User data will be stored until the purpose the data was collected for has been achieved. You will be notified if your data is kept for longer than this period.

How We Protect Your Personal Data

In order to protect your security, we use the strongest available browser encryption and store all of our data on servers in secure facilities. All data is only accessible to our employees. Our employees are bound by strict confidentiality agreements and a breach of this agreement would result in the employee's termination.

While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times, and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.

Children

We do not knowingly collect or use personal data from children under 16 years of age. If we learn that we have collected personal data from a child under 16 years of age, the personal data will be deleted as soon as possible. If a child under 16 years of age has provided us with personal data, their parent or guardian may contact our privacy officer.

How to Access, Modify, Delete, or Challenge the Data Collected

If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to whom we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer here:

• Email: [email protected]
• Phone: (04) 0059 0037
• Address: 25 Howe Street, Cairns North, Qld 4870

 Welcome to www.lifesumo.com.au (the "Site"). The Site is operated by Orion Enterprises (Cairns) Pty Ltd trading as Life Sumo. By accessing and using this Site, you agree to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy govern Life Sumo's relationship with you in relation to this Site. If you disagree with any part of these terms and conditions, please do not use our Site.

Use of the Site

The content of the pages of this Site is for your general information and use only. It is subject to change without notice.

Intellectual Property

This Site contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

Unauthorised Use

Unauthorised use of this Site may give rise to a claim for damages and/or be a criminal offence.

Links to Other Websites

From time to time, this Site may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Limitation of Liability

Your use of any information or materials on this Site is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services, or information available through this Site meet your specific requirements.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Australia and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Severability

If any provision of these terms and conditions is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

Changes to Terms

Orion Enterprises (Cairns) Pty Ltd trading as Life Sumo reserves the right to revise these terms at any time as it sees fit, and by using this Site, you are expected to review these terms on a regular basis.

Contact Information

If you have any questions about these Terms of Use, please contact us at:

• Email: [email protected]
• Phone: (04) 0059 0037
• Address: 25 Howe Street, Cairns North, Qld 4870

A cookie is a small file, stored on a user's hard drive by a website. Its purpose is to collect data relating to the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.

We use the following types of cookies on our Site:

1. Functional cookies: Functional cookies are used to remember the selections you make on our Site so that your selections are saved for your next visits;
2. Analytical cookies: Analytical cookies allow us to improve the design and functionality of our Site by collecting data on how you access our Site, for example, data on the content you access, how long you stay on our Site, etc; and
3. Targeting cookies: Targeting cookies collect data on how you use the Site and your preferences. This allows us to personalise the information you see on our Site for you.
   
   

Modifications

This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy, we will update the "Effective Date" at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.

Contact Information

If you have any questions, concerns, or complaints, you can contact our privacy officer at:

• Email: [email protected]
• Phone: (04) 0059 0037
• Address: 25 Howe Street, Cairns North, Qld 4870
  
  

Conclusion

By accessing and using www.lifesumo.com.au, you agree to comply with these Terms of Use, the Privacy Policy, and the General Disclaimer provided above. Your continued use of the Site indicates your acceptance of any future changes to these policies and terms. Thank you for visiting Life Sumo.