Privacy Policy

1. Introduction

1.1 Nooriam Group (which includes Nooriam Pty Ltd (ACN 654 246 509) and its affiliates, including Nooriam Sarjana Pty Ltd (ACN 666 673 623) and Nooriam Alfareria Pty Ltd (ACN 666 513 515)) (“Nooriam“, also “we” and “us“) is committed to respecting and ensuring the privacy of information provided to us and information about visitors to this website.

1.2 This Privacy Policy explains how we collect, use, disclose and manage personal information.

1.3 We review this Privacy Policy regularly and may revise it from time to time to keep up to date with developments in the law or technology practices. You may contact us in writing at for further information about this Privacy Policy.

1.4 By using this website or any of our products and/or services you acknowledge and agree to the agree to the collection, use, disclosure and handling of your personal information in accordance with this Privacy Policy.

2. Our Commitment to Privacy and Data Security

2.1 Nooriam is committed to safeguarding personal privacy. We take seriously our obligation to ensure that your data is handled in accordance with the principles of accountability, privacy and security.

2.2 In collecting and handling your personal information we adhere to the Privacy Act 1988 (Cth) (Privacy Act), including the Australian Privacy Principles, and to the extent applicable, the EU General Data Protection regulations (GDPR).

3. What Personal Information is Collected

3.1 We may collect personal information directly from you, from our customers or their counterparties and authorised representatives. We may also collect personal information about you from third parties such as:

regulatory authorities;
your employer;
other organisations with whom you have dealings;
government agencies;
credit reporting agencies;
recruitment agencies;
information or service providers;
publicly available records; and
other third parties as set out or implied in this Privacy Policy.

3.2 We may collect personal information about your other dealings with us and our customers, including any contact we have with you in person, by telephone, email or online.

3.3 If you are an individual who works for an organisation, we may collect personal information about you when your organisation is a customer or a counterparty or otherwise transmits information to Nooriam.

3.4 We may collect current and historical personal information about you including, but not limited to:

your name (including name prefix or title);
contact details (such as your postal address, email address and phone numbers);
information about you such as your nationality, identification, gender, organisation, business interests, passport, drivers’ licence, employment, positions held, gender, occupation, date of birth, personal interests and any other information provided;
special categories of data (such as race and ethnicity, trade union membership, information about health or information, political opinions or religious beliefs);
billing and financial information (such as billing address, bank account and payment information);
enquiry/complaint details.
when you visit this website;
when you request information from us or provide information to us;
when you engage our services;
when you are a counterparty, or provide services to a counterparty, of one or more of our customers;
as a result of your relationship with one or more of our customers, including when you or the organisation you work for is a regulator, government agency, court, tribunal or other law enforcement agency;
when you apply for a role or work placement opportunity, open day or recruitment event with us;
when you complete application or other forms on this website;
when you register for and attend one of our events (such as a webinar);
when we conduct searches on you in connection with our business acceptance or business development processes;
when you are entered onto our mailing lists to receive publications and other informational, educational, or marketing emails;
If you are an individual who works for an organisation, we may receive personal information about you when your organisation is a customer or a counterparty or otherwise transmits information to Nooriam;
unique identifier such as username, account number, and password;
information for your user profile, such as your profile picture or bio;
social media account usernames and information published on your social media accounts;
your credit or debit card or bank account numbers, expiration date, and cardholder or account holder name or other payment details (through our third party payment processor);
information relating to transactions made using our services, including information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the data acquired from the transaction, payment or transfer amounts, billing information, and the devices and payment methods used to complete the transactions; information regarding your relationship history with Nooriam and its customers;
additional personal information that you provide to us, directly or indirectly, by submitting forms or questionnaires or through your use of our products and services, associated applications, associated social media platforms and/or accounts from which you permit us to collect information;
information about your access and use of our products and services, including through the use of Internet cookies, your communications with our services, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider;
support requests submitted to us and our response to you;
information about your experience with our products or services or third party products or services listed on a Website;
information you provide by completing subscription, registration and application forms (including when you submit material or request further services);
details of visits made to our online services such as the volume of traffic received, logs (including, the IP address and location of your device and other identifiers about the device and the nature of the visit) and the resources accessed; and
information provided to us when you contact us to enquire, report a problem, make a complaint or raise a query or comment.

3.5 We may collect your personal information for certain services and products to verify your identity, including information from your passport, driver’s licence and other documents of identity.

3.6 We may collect these types of personal information directly from you, on your behalf or from third parties.

3.7 If you provide any personal information about another person, you acknowledge that you have obtained their consent to do so.

3.8 We may also collect your personal information through our related bodies corporate, our service providers and third parties so that we may provide a better or more relevant service or product to you.

3.9 You are not obligated to provide personal information. However, failure to do so may result in Nooriam being unable to facilitate or provide you with certain prdoucts or services.

3.10 We may also obtain your personal information from legitimate third party sources including, referral agents, our customers and other data providers or organisations that share data in circumstances where it is lawful and/or you have given permission for them to do so.

4. Use of Your information

4.1 We use personal information we have collected where such use is:

necessary for the performance of a contract with you;
with your consent; or
otherwise required or authorised by law (for example, for a fraud detection purpose).

4.2 We use the personal information we have collected to provide you with products and services that you have requested, respond to your enquiries, and create and maintain your account.

4.3 We may use your information to:

Verify your identity;
respond to or provide you with services, products, information and assistance that you request from us;
personalise and customise the services, experience, advertising and content that you view and engage with on the website;
identify services you may be interested in;
process transactions, send you receipts, and update you about changes to your subscriptions or use of our services and products;
obtain opinions or comments about products and/or services and to conduct other research and development;
improve our services and products (including auditing and monitoring the use of those services and products);
record statistical data for marketing analysis and to conduct market research;
administer, monitor and analyse our own business or facilitate our business operations;
send you updates, publications, marketing and details of events we offer;
process and respond to requests, enquiries or complaints received from you;
where applicable to undertake recruitment for Nooriam and manage your employment or contractual engagement with Nooriam; and
fulfil our legal, regulatory, accounting, reporting, risk management or professional obligations.

4.4 We use your personal information where such use is:

necessary for the performance of a contract with you (or your organisation);
necessary in connection with a legal or regulatory obligation;
with your consent;
pursuant to a legitimate interest of Nooriam which is not overridden by your rights or interests; or
otherwise required or authorised by law (for example, for a fraud detection purpose).

4.5 We may use your information to:

provide and improve our services (including auditing and monitoring use of those services and products);
maintain and develop our relationship with you and our customers and their counterparties;
monitor and analyse our own business or facilitate our business operations;
fulfil our legal, regulatory, accounting, reporting, risk management or professional obligations;
identify services you may be interested in;
send you updates, publications, marketing and details of events we offer;
protect, establish, exercise or defend legal rights; and
process and respond to requests, enquiries or complaints received from you; or
any other thing that is reasonably required to provide, improve and develop our services.

4.6 We will work to retain your personal information only so long as reasonably necessary. Personal information provided in connection with the provision of our services will be retained in accordance with the Nooriam’s policies unless we agree otherwise with you, in writing. If you wish to know more, please contact us.

5. Information Disclosure

5.1 We may share your information with Nooriam affiliates, Nooriam promotional partners, Nooriam customers and other trusted third parties (and their directors, servants and agents) either in Australia or overseas. Examples of this may include:

your lawyers, agents, contractors and service providers;
third party service providers for the purpose of enabling them to provide their services to us, including (without limitation) vendors who help us with fraud prevention, identify verification and fee collection services, payment networks, financial instituations, professional advisors, data storage, web-hosting and server providers, maintenance providers and marketing or advertising providers;
third parties involved in the provision of services to customers;
our professional advisers, auditors and insurers;
third party service providers to whom we outsource services, for example archival, auditing, reference checking, professional advisory (including legal, accounting, financial and business consulting), IT support, mailing house, delivery, website, social media, research, banking, payment, client contact, data processing, insurance, forensic, litigation support, data room, marketing and security services;
third party technology organisations, including cloud service providers, such as data storage platforms;
third parties with whom we have co-promotional arrangements (such as jointly sponsored events);
third parties who carry out research and analyses of our services and products on our behalf; or
regulatory authorities, courts, tribunals, government agencies, law enforcement agencies and other third parties.

5.2 Some of your personal information may be stored with and managed by a cloud service provider located outside of Australia. Your personal information may be accessed by third parties whose laws provide various levels of protection for personal data which may be higher or lower than the level of protection stipulated in Australia. Where we transfer your information internationally, we will take reasonable steps to ensure that your information is treated securely and that the means of transfer provides adequate safeguards. If you have any questions in relation to the transfer of your personal information, please contact the Privacy Officer at info@nooriam.com

6. Security

6.1 We take reasonable steps to hold information securely and to prevent unauthorised access, modification or disclosure. Our information security policy is supported by a number of security standards, processes and procedures. We require our third party data storage providers to comply with appropriate industry standards. All partners and staff and third party providers with access to confidential information are subject to confidentiality obligations.

6.2 The transmission of information via the Internet is never completely secure. We cannot guarantee the security of your data transmitted to our online services. By using these services, you accept the inherent risks of transmission.

7. Cookies

7.1 Cookies are small text files that are stored on your device by the websites you visit. They are used in order to make websites work and to improve their efficiency, as well as to provide website usage information to the website owner.

7.2 This website may use “cookies”, where we do so, Nooriam enables and respects “Do Not Track” requests and will limit the cookies we use to the following:

Strictly necessary cookies to protect the Website against DDoS attacks.
Strictly necessary cookies to facilitate user logins and protect the Website against attempts to inject malicious code into registration forms.
Performance cookies to provide us with analytical information about the use of the website with your consent.

7.3 You can remove cookies from your browser and prevent new cookies from being placed on your device by going to the privacy settings of your browser. You can choose to block all cookies or only cookies from specific websites. Please note that blocking cookies will not automatically remove cookies that are already stored on your device.

7.4 Please be aware that by blocking and/or deleting cookies, this website (and possibly other websites) might not function properly. With every new session, new cookies will be placed unless you have blocked the use of cookies. If you choose to block cookies, but also want this website to function properly, please go to the privacy settings of your browser and ensure that it allows cookies from this website.

7.5 Our website may contain links to other sites controlled by third parties, which may also use cookies over which we have no control. We recommend that you check the relevant third party’s privacy policies for information about any cookies which may be used. Although we provide the links for informational or convenience purposes, we do not accept responsibility for their use of information about you.

8. Users Based in EU

8.1 If you are an individual residing in the EU, you may have additional rights under the General Data Protection Regulation, Regulation 2016/679 (GDPR) in relation to the handling of your Personal Data (as defined in Article 4 of the GDPR).

8.2 In providing our services to you, we may monitor your activity on the Website using automated processes, including for the purposes of counting usage of our Websites and creating audience profiles. We do this to provide you with more tailored and relevant services.

8.3 In addition to other rights set out in this Privacy Policy, in certain circumstances you may:

request access to the Personal Data that we hold about you;
request a copy of the Personal Data that you have provided to us, in a structured electronic format;
request that we update your Personal Data if it is inaccurate or incomplete;
subject to any legal obligation we have, request that we delete your Personal Data (also known as ‘the right to be forgotten’);
object to the processing of your Personal Data;
retain and reuse your Personal Data for your own purposes;
object to your Personal Data being used; and
object to automated decision making and profiling.

8.4 Please contact us at any time to exercise your rights under the GDPR.

8.5 We may ask you to verify your identity before acting on any of your requests.

8.6 Where your Personal Data is transferred outside of the EEA, it will only be transferred to countries that have been identified as providing adequate protection for Personal Data, or to a third party where we have approved transfer mechanisms in place to protect your Personal Data – i.e., by entering into the European Commission’s Standard Contractual Clauses, or by ensuring the entity is Privacy Shield certified (for transfers to US-based third parties).

9. Your Rights

9.1 The privacy laws of some jurisdictions may give you the right to access, amend or erase your personal information or, in some circumstances, to restrict or object to the processing of your personal information.

9.2 If you would like to request a copy of your data, or would like to take steps to exercise any of your rights please contact us by email at info@nooriam.com.

9.3 Where you have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the rights to withdraw your consent for that specific processing at any time.

9.4 Information we hold about you should be up-to-date and accurate. Please advise us in writing of any changes to your information.

9.5 Where relevant, you can withdraw your consent for us to send marketing, informational, and educational materials to you by using the “unsubscribe” option included in the email or other material.

10. Contact and Further Information

10.1 It is important to us that you understand how your personal information is collected, stored, used, and disclosed. If you have any questions about this Privacy Policy, or want to submit a suggestion or complaint to us about how we handle your personal information, please contact us.

Nooriam Pty Ltd
Attention: Privacy Officer
Email: info@nooriam.com

10.2 Please allow 30 days for this request to be processed. If you do not receive a satisfactory response from Nooriam to your query, problem or complaint within 30 days, you may refer your query, problem or complaint to the Office of the Australian Information Commissioner via the contact details listed at http://www.oaic.gov.au/about-us/contact-us-page.