Protecting your privacy is important to us and as such we have listed below the following principles regarding the collection and use of your personal information. We recommend that you keep a copy of this information for any future reference.

Personal information
Personal information held by AARTS may include your name, current and previous addresses, telephone/mobile phone number, email address, bank account or credit card details, occupation, driver's licence number, services requested and/or provided.

Occasionally you may have to provide personal information about other individuals, authorised representatives. If so, we rely upon you to inform those individuals that we may contact them for further information.

Collection of personal information
AARTS collects personal information in a number of ways, including:

• directly from you, when you provide information over the phone or in application forms, or when you submit your personal details to us through our web site;
• from third parties such as related companies, credit reporting agencies or your representatives;
• from public sources of information;
• from our own records of any previous services;
• when legally required to do so.

The use your personal information may be used to:

• verify your identity;
• provide the services you require;
• administer and manage those services, including charging, billing and collecting debts;
• inform you of improved services;
• conduct appropriate checks for credit-worthiness and/or fraud;
• research and develop our services;
• gain an understanding of your information and communication needs in order for us to provide you with a better service; and
• maintain and develop our business systems and infrastructure.

Also, your personal information is collected so AARTS can promote and market our services to you. We do this to keep you informed of our services and special offers. In relation to marketing and promotional material sent via email, we will send such material only if you elect to receive it or if it is provided in response to your request. You can indicate your preference on our web site.

When we disclose your personal information
In delivering the services you require, AARTS may disclose your personal information to outside organisations. Where your personal information is disclosed, such disclosure/s will only be conducted in relation to AARTS providing our or outside services to you. These organisations carry out our:

• customer enquiries;
• mailing operations;
• billing and debt-recovery functions;
• market research; and
• web site usage analysis.

AARTS takes reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.

In addition, we may disclose your personal information to:

• your authorised representatives or your legal advisers (e.g. when requested by you to do so);
• credit-reporting and fraud-checking agencies;
• credit providers (for credit related purposes such as credit-worthiness, credit rating, credit provision and financing);
• our related companies;
• our professional advisers, including our accountants, auditors and lawyers;
• government and regulatory authorities and other organisations, as required or authorised by law.

AARTS's web site
AARTS services via our web server’s records anonymous information such as the time, date and URL of the request. This information assists us to improve the structure of our web site and monitor its performance.

AARTS may use 'cookies' on the web site. Cookies are an industry standard and most major web sites use them. A cookie is a small text file that the web sites may place on your computer. Usually, cookies are used as a means for our web site to remember your preferences. As such, cookies are designed to improve your experience of our web site.

In some cases, cookies may collect and store personal information about you. AARTS extends the same privacy protection to your personal information, whether gathered via cookies or from other sources. You can adjust your Internet browser to disable cookies or to warn you when cookies are being used. However, if you disable cookies, you may not be able to access certain areas of our web site or take advantage of the improved web site experience that cookies offer.

AARTS also collects Internet Protocol (IP) addresses. IP addresses are assigned to computers on the internet to uniquely identify them within the global network. AARTS collects and manages IP addresses as part of the service of providing internet session management and for security purposes.

Accurate information
AARTS takes all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you provide. That's why we recommend that you:

• let us know if there are any errors in your personal information; and
• keep us up-to-date with changes to your personal information such as your name or address.

Access to your personal information
You have a right to access your personal information, subject to some exceptions allowed by law. If you would like to do so, please let us know. You may be required to put your request in writing for security reasons. AARTS reserves the right to charge a fee for searching for and providing access to your information.

How to contact us
If you have any questions in relation to privacy, please write to our Privacy Manager.