Horizon Age Pty Ltd may, from time to time, review and update this privacy policy statement to take account of new laws and technology and changes to Horizon Age Pty Ltd's operations. All personal information held by Horizon Age Pty Ltd will be governed by Horizon Age Pty Ltd's most recent policy, posted on the Horizon Age Pty Ltd web site www.Horizon.com.au.

Kind of personal information Horizon Age Pty Ltd collects and how it is collected
Horizon Age Pty Ltd collects personal information from a variety of sources, including from members of the public, advertisers, prospective employees, mailing lists, recruitment Agencies, contractors and business partners.

In general, the personal information Horizon Age Pty Ltd collects includes (but is not limited to) name, address, contact details, gender, occupation, in some cases membership of professional associations and, where relevant, financial information, including credit card information, banking details and income information.

Personal Information you provide: We store the personal information you enter on the Horizon Age Pty Ltd or give to Horizon Age Pty Ltd in other ways. We obtain most personal information through the Horizon Age Pty Ltd membership registration process and updates to membership details. You may provide information when you request or acquire a product or service from Horizon Age Pty Ltd or its related companies, provide a product or service to Horizon Age Pty Ltd, complete a survey or questionnaire, enter a competition, participate in forums or when you communicate with Horizon Age Pty Ltd by e-mail, telephone or in writing (for example , if you contact customer service or provide feedback).

Automatic collection: Cookies: We may use a feature of your browser called a cookie to assign your computer a 'User ID'. Cookies do not contain information by which Horizon Age Pty Ltd can identify you. They identify your computer to our servers. You may configure your browser so that you are notified before a cookie is downloaded or so that your browser does not accept cookies. Horizon Age Pty Ltd may use information contained in cookies to make assumptions about the user of the computer and to provide users of that computer with focused advertising which Horizon Age Pty Ltd believes may be of interest, based on that information. To disable your cookies, please refer to the help menu within your Internet browser. Indirect collection: Horizon Age Pty Ltd endeavours to collect personal information about an individual only from that individual. In some circumstances Horizon Age Pty Ltd may obtain personal information from a third party. If you provide personal information about another person to Horizon Age Pty Ltd, Horizon Age Pty Ltd requires that you inform that person you have done so and provide them with a copy of this policy.

How Horizon Age Pty Ltd uses the information you provide
Horizon Age Pty Ltd may use information it collects from you for the primary purpose for which it is collected and for such other secondary purposes that are related to the primary purpose of collection. Horizon Age Pty Ltd generally uses personal information to

• provide you with products or services you have requested
• personalise and customise your experiences on the Horizon Age Pty Ltd
• help Horizon Age Pty Ltd manage and enhance its services
• communicate with you
• provide you with ongoing information about opportunities on the Horizon Age Pty Ltd in which Horizon Age Pty Ltd believes you may be interested
• give you the opportunity from time to time to receive e-mail and 'e-newsletters' from Horizon Age Pty Ltd.

Disclosure
Horizon Age Pty Ltd may disclose personal information to other companies which may only use it as set out above. Horizon Age Pty Ltd may also provide your information to:

• third parties engaged by Horizon Age Pty Ltd to perform functions on its behalf, such as processing credit card information, mail outs, debt collection, marketing, research and advertising;
• third parties authorised by you to receive information held by Horizon Age Pty Ltd;

If Horizon Age Pty Ltd sells part of its business, personal information may be part of the assets transferred to the purchaser.

The Horizon Age Pty Ltd contains features where you are invited to send personal information to organisations other than Horizon Age Pty Ltd. The choice to send such information to these organisations is entirely yours. You should be aware that any such information you choose to send will not be bound by this policy.

Web sites sponsored and/or hosted by Horizon Age Pty Ltd collect personal information about users, merchants, advertisers and other businesses, which access or are displayed on the site. Information about businesses that appear in the site directory, including personal information on individuals within those businesses, is generally collected by Site to manage the services or products that the business purchases from Site. Site may also disclose personal information about businesses that appear in the Site directory to third parties, including advertisers, business partners and information brokers.

If you contact a merchant appearing in the Site directory, including via e-mail, this policy does not apply to such communications and Site accepts no responsibility for any transaction entered into between you and the relevant merchant.

Treatment of sensitive information and personal information.
Sensitive information relates to a person's racial or ethnic origin, membership of political bodies, religions or trade unions, sexual preferences or activities, criminal record, state of health and medical history.

The way we use tax file numbers and information received from a credit reporting agency about an individual is also restricted by law. Horizon Age Pty Ltd may use and disclose Sensitive Information only for the purpose for which it was provided or a directly related secondary purpose or as allowed by law unless you have agreed otherwise.

Manage of Personal Information
Horizon Age Pty Ltd protects the personal information Horizon Age Pty Ltd holds from misuse, loss, unauthorised access, modification or disclosure by various means including firewalls, pass word access, secure servers and encryption of credit card transactions.

How do we store personal information?
Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet or other electronic medium. We hold personal information in a combination of secure computer storage facilities and paper-based files and other records, and take steps to protect the personal information we hold from misuse, loss, unauthorised access, modification or disclosure.

We may need to maintain records for a significant period of time. However, when we consider information is no longer needed, we will remove any details that will identify you or we will securely destroy the records.

How do we keep personal information accurate and up-to-date?
Horizon Age Pty Ltd endeavours to ensure that the personal information it holds is accurate, complete and up-to-date. You can update your Horizon Age Pty Ltd membership information via sending an email to update@Horizon.com.au.

You can generally update personal information that is not membership information on the website of the Horizon Age Pty Ltd where you submitted that information. Otherwise, please contact Horizon Age Pty Ltd on privacy@Horizon.com.au. Where personal information is no longer required by Horizon Age Pty Ltd, it will be destroyed or de-identified.

You access to what personal information about you is held by us
You have the right to seek access the personal information held about you and to advise Horizon Age Pty Ltd of any inaccuracy. There are some exceptions to this right set out in the Privacy Act.

If you make an access request, Horizon Age Pty Ltd will ask you to verify your identity and specify what information you require. Horizon Age Pty Ltd may charge a fee to cover the costs of meeting your request.

Membership information: Horizon Age Pty Ltd Members can access the membership information Horizon Age Pty Ltd holds about them at any time via sending an email to info@Horizon.com.au.

Interactive tools
Horizon Age Pty Ltd website provides you with many interactive tools designed to help you make an informed choice with certain financial and other decisions.

Horizon Age Pty Ltd may collect personal information you enter when using the interactive tools on our website.

What is a Cookie and How does Horizon Age Pty Ltd use cookies?
Cookies are small pieces of text stored on your computer to help us determine the type of browser and settings you are using, where you have been on the web site, when you return to the web site, where you came from, and to ensure your information is secure. The purpose of this information is to provide you with a more relevant and effective experience on the Horizon Age Pty Ltd web site, including presenting web pHorizons according to your needs or preferences.

We use cookies to give you access to certain pHorizons of the website without having to log in each time you visit. Horizon Age Pty Ltd may also use independent external service providers to track the traffic and usHorizon on the web site.

Cookies are frequently used on many websites on the internet and you can choose if and how a cookie will be accepted by changing your preferences and options in your browser. You may not be able to access some parts of Horizon.com.au if you choose to disable the cookie acceptance in your browser. We therefore recommend you enable cookie acceptance to benefit from all the services on the website.

Technology improvements
Horizon Age Pty Ltd is constantly striving to improve functionality on this site through technology changes. This may mean a change to the way in which personal information is collected or used. The impact of any technology changes which may affect your privacy, will be notified in this Supplement at the time of the change.

Links to third party websites
The Horizon Age Pty Ltd website has links to external third party websites that may benefit the user. External websites should contain their own privacy statements and we recommend you review them when using their websites.

Please note, however, that third party websites are not covered by Horizon Age Pty Ltd’s privacy policy and these sites are not subject to Horizon Age Pty Ltd‘s privacy standards and procedures.

How to contact us
If you have enquiries or wish to provide feedback about this policy, please e-mail privacy@horizon.com.au

To make an access request, please write to Horizon Age Pty Ltd at PO Box 619 Pennant Hills, 1715, fax 02 9484 3273 or email to info@horizon.com.au .