PRIVACY STATEMENT
Last Updated: 19 June 2009
Cube Financial Group
AFS License No: 333298
ABN 65 074 796 348

The CFG (“CFG�) respects the privacy rights of our members and visitors to our site. We understand that your right to privacy is of the utmost importance. We are strongly committed to the protection of our member’s and visitor’s personal information online. By visiting this site, you are accepting the terms and conditions in our privacy policy which appears below in detail.

THE CFG MEMBERSHIP
CFG has implemented a membership system, designed to offer users a more rewarding and personalised membership experience. In order to obtain the full advantages of your subscription, you are required to login as members each time you visit the website. However, if you do not login, or are investors looking for a financial solution, you are still able to access information, schedules and products.

COLLECTION OF PERSONAL DETAILS
There are two ways we collect your information:

If you visit our site and do not login as a CFG member:
Whenever you visit our website, our servers automatically record information about your usage of the website such as the time of the visit, its duration and the pages you visit. This information is logged for statistical purposes only. This is intended to help us to understand what parts of our website are widely used and which areas may need development. The information we collect about you remains anonymous, and we do not link it to any other personal information. Therefore if you have not identified yourself on the site, the record of our visit is not personally linked to you or your usage of our website.

If you login as a CFG member:
Once you have become a CFG member, we collect information about your visit in order to provide you with the full benefits of your Membership. When you first sign up for Membership, we collect information from you directly, and from time to time thereafter we may also record information if you provide it to us.
Once you have logged on as a member, we keep a record of how you use the website. This helps us to identify unauthorised access and security of our members.
The CFG only collects information from your use of our website. We do not collect information about you from other organisations or from websites other than ours.

USE OF PERSONAL INFORMATION
The CFG collects personal information that you voluntarily provide on this Web site, which may include your name, address, e-mail address, etc. For example, we collect personal information when you register to receive certain CFG services or products. We use this information to communicate with you and provide you with your requested service or product. If you provide your consent at the time, your personal information is collected via this Web site, and we may also send you our news on services or up and coming events in the interest of serving you. You may instruct us at any time that you do not wish to receive these letters by updating your personal information. Please allow 48 hours for this process to be completed.

We are committed to providing you with access to a range of leading products and service. In order to do this we may use your personal information to offer you other products and services.

We are not in the business of selling your information to others. We will add the information given by you to our databases, so that we can update our records and deliver you a service that is up-to-date and less time consuming for you.

The CFG may send out periodic e-mails informing you of technical service or security issues related to your membership and website access. You will not be able to choose to unsubscribe to these mailings, as they are considered an essential part of the membership you have chosen.

DISCLOSURE OF PERSONAL INFORMATION
The CFG will not use or disclose any information about you without your consent, or access your communications on our websites, unless:

• Required by law.
• We believe it necessary to provide you with a service that you have requested.
• To implement our terms of use.
• To protect the rights or property of CFG, employees and subscribers of its services, or any member of the public.
• To lessen a serious threat to a person's health or safety.

ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with the means to ensure that your personal information is correct and current. If you are a CFG member you can review and edit your personal information by accessing the personal information area of the member pages.

At the personal information page you can:

• View and edit personal information you have already given
• Change your current password
• Tell us whether you want The CFG to send you marketing information.

If you are unable to access your information through the website you can review and edit your personal information by contacting one of our Customer Service representatives Monday through Friday, between the hours of 8.30 a.m. and 5:00 p.m. EST on 1300 65 90 90 and for our New Zealand clients 0800 55 00 22.

ACCURACY AND SECURITY OF PERSONAL INFORMATION
Any personal information you provide to The CFG is kept on our servers. Although CFG cannot guarantee the security of our data, we use our reasonable endeavours to:

• Safeguard personal information against loss, theft, unauthorised use, disclosure, or modification; and
• Ensure the integrity of the personal information.

To help us protect your privacy, you are advised to maintain the secrecy of your Username and Password that have been set up for the service we provide within this Web site.

LINKS TO THIRD-PARTY WEB SITES
The CFG may provide links to third-party Web sites. The CFG does not have control of these third-party sites and is not responsible for any personal information you may provide while on such sites or material published on such sites. We advise you to read the privacy policies on those Web sites before providing any of your personal information to them.

THE USE OF COOKIES
When someone visits the CFG site, a cookie is placed on the customer's machine (if the customer accepts cookies) or is read from the machine if the customer has visited the site previously. If you choose to set your browser to not accept cookies from The CFG Web site, you will be able to view the public pages; however you will not be able to access the member services.

Cookies are a small piece of text placed on your hard drive, and are stored once when you login to our website. Our cookies contain only a unique number and are valid only for a short period whilst you are logged in. When the tick box is ticked at the login screen these cookies also remember your Username and Passwords and store them for future visits.

ENFORCEMENT OF THIS PRIVACY STATEMENT
If you have any questions regarding this statement, please contact The CFG by e-mail (policy@cubefinancial.com.au). If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed please contact one of our Customer Service representatives Monday through Friday, between the hours of 8.30 a.m. and 5:00 p.m. EST on 1300 65 90 90 and for our New Zealand clients 0800 55 00 22.

MODIFICATIONS TO THIS PRIVACY POLICY
The CFG reserves the right to make changes to this online privacy policy at any time. Changes will be announced on the member’s announcement page, and shown at the top if this policy.