Cookie Policy

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1. Purpose

This Cookie Policy explains how UCFS Group Pty Ltd ("we", "our", or "us") uses cookies and similar technologies when you visit our website.

It should be read together with our Privacy Policy and Website Terms of Use.

By continuing to use our website, you acknowledge that cookies may be used in accordance with this policy.

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2. What Are Cookies?

Cookies are small text files placed on your computer, tablet or mobile device when you visit a website.

Cookies help websites:

• Remember your preferences

• Improve website performance

• Enhance security

• Measure website usage

• Provide a better browsing experience

Cookies generally do not identify you personally, although information collected through cookies may become personal information if combined with other information we hold.

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3. Why We Use Cookies

We use cookies to:

• Ensure our website operates correctly

• Improve website functionality

• Remember user preferences

• Improve website security

• Analyse website traffic

• Understand how visitors use our website

• Maintain system performance

• Detect technical issues

• Improve customer experience

We do not use cookies to unlawfully monitor visitors or collect unnecessary personal information.

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4. Types of Cookies We Use

Essential Cookies

These cookies are necessary for the operation of our website.

They enable functions such as:

• Website navigation

• Secure access

• Form submission

• Fraud prevention

• Session management

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Without these cookies, parts of the website may not function correctly.

Performance and Analytics Cookies

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These cookies help us understand how visitors use our website by collecting information such as:

• Number of visitors

• Pages viewed

• Time spent on pages

• Navigation patterns

• Website performance

• Error reporting

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This information is generally aggregated and used to improve the website.

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Functional Cookies

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Functional cookies remember your preferences, including:

• Language settings

• Browser preferences

• Accessibility options

• Previously entered information (where appropriate)

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These cookies help personalise your experience.

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Security Cookies

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Security cookies help us:

• Detect suspicious activity

• Prevent unauthorised access

• Protect customer information

• Maintain website integrity

• Support secure online services

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5. Third-Party Services

Our website may use trusted third-party providers to assist with website functionality and analytics.

Examples may include:

• Website hosting providers

• Security monitoring services

• Website analytics providers

• Online payment providers (where applicable)

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These providers may place their own cookies in accordance with their respective privacy policies.

We recommend reviewing the privacy information of any third-party services used through our website.

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6. Online Payments

If you use our online payment facilities, secure payment providers may use cookies necessary to:

• Process transactions

• Prevent fraud

• Verify sessions

• Maintain payment security

Payment information is handled by secure payment systems in accordance with their own security and privacy requirements.

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7. Managing Cookies

Most web browsers allow you to:

• View stored cookies

• Delete cookies

• Block cookies

• Restrict cookies

• Receive notifications before cookies are stored

You can usually manage these settings through your browser's privacy or security options.

Please note that disabling certain cookies may affect the operation or functionality of our website.

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8. Your Privacy

Information collected through cookies is handled in accordance with our Privacy Policy.

Where information collected through cookies identifies an individual or can reasonably identify an individual, it will be treated as personal information under applicable Australian privacy laws.

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9. Data Security

We take reasonable steps to protect information collected through our website using measures including:

• Secure servers

• Encryption where appropriate

• Access controls

• Firewall protection

• Security monitoring

• Regular software updates

While we take reasonable precautions, no internet transmission can be guaranteed to be completely secure.

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10. Third-Party Links

Our website may contain links to external websites.

These websites operate independently and may use their own cookies and tracking technologies.

We are not responsible for the content, privacy practices or cookie policies of third-party websites.

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11. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

• Changes in technology

• Website improvements

• Legislative changes

• Regulatory guidance

• Business operations

The most current version will always be available on our website.

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12. Contact Us

If you have any questions about this Cookie Policy or our privacy practices, please contact us.

UCFS Group Pty Ltd

Address: PO Box 607 North Sydney NSW 2060

Telephone: 02 7908 7002

Email: privacy@ucfsgroup.com.au

Website: www.ucfsgroup.com.au/privacy

Business Hours: 8:30am to 5:00pm Monday to Friday

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Related Documents

This policy should be read together with our:

• Privacy Policy

• Website Terms of Use

• Complaints Handling Policy

• Debt Collection Customer Charter & Code of Conduct

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Legislative Framework

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This Cookie Policy has been prepared with regard to:

• Privacy Act 1988 (Cth)

• Australian Privacy Principles (APPs)

• Spam Act 2003 (Cth) (where applicable)

• Relevant guidance issued by the Office of the Australian Information Commissioner (OAIC)