Yard’s Privacy and Cookies Policy

  1. Introduction
    1. “We", "us" and "our") refers to the following entities:
      1. Yard Consolidated Pty Ltd ACN 633 936 419;
      2. Yard Financial Pty Ltd ACN 623 357 513, Australian Credit Licence 509481; and
      3. Yard Home Loans Pty Ltd ACN 634 101 901, Authorised Credit Representative Number 517113 of Yard Financial Pty Ltd ACN 623 357 513, Australian Credit Licence 509481
      together and each to be referred to as (“Yard”).
    2. We respect your privacy and want you to understand how we collect, use, and share personal information about you.
    3. The Privacy Act 1988 (Cth) (‘Privacy Act’), the Australian Privacy Principles, Privacy Regulation 2013 (‘Regulations’) and registered privacy codes govern the way in which we manage your personal information (‘Privacy Laws’) and we are committed to protecting your privacy.
    4. This Privacy Policy covers our data collection practices and describes your rights to access, correct, or restrict our use of your personal information as defined in the Privacy Act (“data”).
    5. This Privacy Policy applies when you visit or use our website, mobile applications, APIs or selling relevant goods and services to you (the “Services”). We are committed to safeguarding the privacy of our website visitors and service users.
    6. By using the Services, you agree to the terms of this Privacy Policy. You shouldn’t use the Services if you don’t agree with this Privacy Policy or any other agreement that governs your use of the Services.
    7. We may use cookies on our website. Insofar as those cookies are not strictly necessary for the provision of our website and services, we will ask you to consent to our use of cookies when you first visit our website.
    8. Our website incorporates privacy controls which affect how we will process your personal information. By using the privacy controls, you can specify whether you would like to receive direct marketing communications.
    9. Please refer to our Credit Reporting Policy on our website for additional information of how we manage your credit information.
  2. What is personal information?
    1. Personal information includes any information or opinion, about an identified individual or an individual who can be reasonably identified from that information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have kept a record of it.
    2. Some examples of personal information may include your:
      1. name;
      2. date of birth;
      3. citizenship;
      4. mailing or residential address details;
      5. contact details such as telephone numbers, email address, social media platform user name;
      6. publicly available information;
      7. occupation and place of work;
      8. government issued identifiers such as Tax File Number, Medicare number or Driver’s Licence number;
      9. bank account and credit card details;
      10. credit history, credit capacity, ability to be provided with credit or credit worthiness;
      11. Mortgage and finance brokers, intermediaries, your authorised representatives, accountants and lawyer
      12. signature, photograph, video or audio recording; and
      13. sensitive information such as information relating to your health, biometric data, criminal history, racial or ethnic origin.
  3. Tax File Number
    1. If we collect your tax file number we will handle it in accordance of the Guidelines issues by the Office of the Australian Information Commissioner under the Privacy Act.
  4. Sensitive information
    1. We generally do not collect ‘sensitive information’ as defined under the Privacy Laws and we further restrict collection of such sensitive information to circumstances where we have either obtained your express consent or a permitted general situation exists.
    2. Sensitive information is personal information that includes information relating to your racial or ethnic origin, criminal history, sexual orientation, heath information, biometric data, membership of any trade or professional associations.
  5. What happens if I do not provide information that has been requested?
    1. If you do not allow us to collect all of the personal information we reasonably request, we may not be able to deliver those products or services to you or on your behalf to your customers or be unable to identify you to protect you against fraud.
  6. How we use your personal information
    1. In this Section 6 we have set out:
      1. the general categories of personal information that we may process;
      2. in the case of personal information that we did not obtain directly from you, the source and specific categories of that data;
      3. the purposes for which we may process personal information; and
      4. the legal bases of the processing.
    2. We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services.
    3. We may process your account data ("account data"). The account data may include your name, contact details, email address, payment details when you make a payment for our services and any other information that you provide to us. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you.
    4. We may process your information included in your personal profile on our website ("profile data"). The profile data may include your name, address, telephone number, email address, profile pictures, gender, date of birth, relationship status, interests and hobbies, educational details and employment details. The profile data may be processed for the purposes of enabling and monitoring your use of our website and services.
    5. We may process your personal information that is provided to us in the course of the use of our services ("service data"). The service data may include your profile data, company, trust and superfund shareholding and personal information of its officers and employees as well as information about your business. The source of the service data is information that you provide to us, your employer and information that we receive from government registries and agencies. The service data may be processed for the purposes of complying with our legislative and regulatory requirements in any jurisdiction, to prevent fraud, criminal or other activity that may cause you, us or others harm including in relation to our products or services, operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you.
    6. We may process information (that is not confidential) that you post for publication on our website or through our services ("publication data"). The publication data may be processed for the purposes of enabling such publication and administering our website and services.
    7. We may process information contained in any enquiry you submit to us regarding our goods and/or services ("enquiry data"). The enquiry data may be processed for the purposes of offering, marketing and selling relevant goods and/or services to you. The legal basis for this processing is either consent, the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract or our legitimate interests, namely the proper administration of our website and business.
    8. We may process information relating to our customer relationships, including customer contact information ("customer relationship data"). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you or your employer. The source of the customer relationship data is you or your employer. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers.
    9. We may process information contained in or relating to any communication that you send to us ("correspondence data"). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping.
    10. We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our website ("transaction data"). The transaction data may include your contact details, your card details and the transaction details. The source of the transaction data is you and/or our payment services provider. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions.
    11. We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters ("notification data"). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters.
    12. We may process any of your personal information identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
    13. We may process any of your personal information identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice basis.
    14. In addition to the specific purposes for which we may process your personal information set out in this Section 6, we may also process any of your personal information where such processing is necessary for compliance with a legal obligation to which we are subject to, or in order to protect your vital interests or the vital interests of another natural person.
    15. The legal basis for the processing of your personal information is either:
      1. consent;
      2. the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract;
      3. you are posting any publication on our website;
      4. our legitimate interests, namely:
        1. to comply with our legal and regulatory obligations;
        2. the proper administration of our website and business;
        3. monitoring and improving our website and our goods and/or services;
        4. the proper management of our customer relationships;
        5. communications with users;
        6. the protection and assertion of our legal rights, your legal rights and the legal rights of others (as applicable);
        7. the proper protection of our business against risks; and
        8. for any other purpose permitted by law.
    16. If we receive personal information about you that we do not request directly from you or from another party, we will decide whether we could have collected the information in accordance with this Privacy Policy and applicable Privacy Laws.
    17. If we decide that we could have collected the information in accordance with this Privacy Policy and applicable Privacy Laws, we will keep the information and handle it in accordance with this Privacy Policy and applicable Privacy Laws.
    18. If we decide that we could not have collected the personal information in accordance with this Privacy Policy and applicable Privacy Laws, we will destroy or de-identify the information if it is lawful and reasonable to do so.
    19. We may also de-identify your personal information which we have collected for the purposes described in this Privacy Policy. As a result, this Privacy Policy will generally not apply to our use of de-identified information. However, we will continue to safeguard this de-identified information.
    20. Where we use de-identified information together with other information (including personal information) and in doing so, we are able to identify you, that information will be treated as personal information in accordance with this Privacy Policy and applicable Privacy Laws.
  7. Under what laws we are required or authorised to collect personal information
    1. We are required or authorised to collect:
      1. certain identification information about you and to verify your identification information in accordance with our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) and we will use the national online system the Document Verification Service that allows the comparison of a customer's identifying information with a government record of the Identification Document Issuer or Official Record Holder;
      2. determine and report to the Australian Taxation Office about your foreign tax residency status in light of our obligations under Schedule 1 of the Taxation Administration Act 1953 (Cth), which incorporates the global standard for the collection, reporting and exchange of financial account information of foreign tax residents (otherwise known as the Common Reporting Standard) and the withholding tax and reporting regime in relation to tax residents of the United States of America (known as the Foreign Account Tax Compliance Act in the United States of America);
      3. your Tax File Number, if you choose to provide it, by the Income Tax Assessment Act 1936 (Cth);
      4. if you have applied for credit or provide a guarantee, certain information about your financial position under the National Consumer Credit Protection Act 2009 (Cth), and if you give us a mortgage security, certain identification information under property laws in some states and territories; and
      5. certain information in relation to your application if you have applied for an insurance as required by the Insurance Contracts Act 1984 (Cth).
  8. Providing your personal information to others
    1. We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.
    2. We may disclose your personal information with our funding partners for us to provide the products and services to you in meeting your finance requirements. Where we act as an Authorised Representative under our funders Australian Credit Licence we will disclose their details to you and our funder will be the named security provider in your Letter of Offer. We will ensure that your personal information is handled and processed in accordance with the Privacy Laws.
    3. We may disclose your personal information to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
    4. We may disclose personal information to our suppliers or subcontractors insofar as reasonably necessary to provide the relevant goods and services to you. Our agreements with our suppliers and contractors require them to comply with Privacy Laws.
    5. We may disclose data to the relevant authorities, for example to counter terrorism and prevent money laundering. In some cases, we are obliged by law to share your data with external parties, including public authorities, regulatory bodies, supervisory bodies, tax authorities, judicial/investigative authorities, government agencies and law enforcement bodies in any jurisdiction.
    6. We also share information with other financial institutions for the purposes of exchanging secure financial transaction messages, payments and credit transactions and processing of electronic transactions.
    7. We also use contracted service providers to help us in our business activities, who jointly with us, provide products or services to you, or with whom we partner to provide products and services to you. Throughout the customer journey with Yard we may direct you to read and accept our service providers privacy policy and their terms of use.
    8. We may also share information with fraud bureaus or other organisations to identify your information, investigate or prevent fraud or other misconduct; credit reporting bodies; external dispute resolution schemes such as the Australian Financial Complaints Authority; your representatives (including your legal adviser, accountant, mortgage broker, financial adviser, executor, administrator, guardian, trustee, or attorney); professional advisors such as our financial advisers, legal advisers, auditors and debt collectors.
    9. In addition to the specific disclosures of personal information set out in this Section 8, we may disclose your personal information where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal information where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
    10. We may also disclose your personal information to others outside of Yard where:
      1. we are required or authorised by law or where we have a public duty to do so;
      2. you may have expressly consented to the disclosure or your consent may be reasonably inferred from the circumstances; or
      3. we are otherwise permitted to disclose the information under applicable Privacy Laws.
  9. Retaining and deleting personal information
    1. This Section 9 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.
    2. Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
    3. We will retain your personal information for as long as legally required and when we no longer are legally required or have a legitimate purpose to retain it we will either destroy it, desensitize it or anonymize it.
    4. Notwithstanding the other provisions of this Section 9, we may retain your personal information where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
    5. We may also de-identify your personal information which we have collected for the purposes described in this Privacy Policy. As a result, this Privacy Policy and Privacy Laws will generally not apply to our use of de-identified information. However, we will continue to safeguard this de-identified information
  10. Security of personal information
    1. The security of your personal information is important to us. We will take appropriate technical and organisational precautions to secure your personal information and to prevent the loss, misuse, unauthorized access, disclosure or alteration of your personal information.
    2. We will store all your personal information on secure servers, personal computers and mobile devices, and in secure manual record-keeping systems.
    3. Much of the information we hold about you will be stored electronically. We store some of your information in secure data centres that are located in Australia. We also store information in data centres of our contracted service providers (including cloud storage providers), and some of these data centres may be located outside of Australia.
    4. Some information we hold about you will be stored in paper files.
    5. We use a range of physical, electronic and other security measures to protect the security, confidentiality and integrity of the personal information we hold both in Australia and overseas. For example:
      1. access to our information systems is controlled through identity and access management controls;
      2. employees and our contracted service providers are bound by internal information security policies and are required to keep information secure;
      3. all employees are required to complete training about privacy and information security; and
      4. we regularly monitor and review our compliance with internal policies and industry best practice.
    6. You acknowledge that the transmission of unencrypted (or inadequately encrypted) data over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet and you do so at your own risk. Our website links to external websites and we take no responsibility for the privacy practices or the content of these other sites.
    7. You should ensure that your password is not susceptible to being guessed, whether by a person or a computer program. You are responsible for keeping the password you use for accessing our website confidential and we will not ask you for your password (except when you log in to our website).
    8. We will not sell your personal information to other companies or organisations without your prior consent.
  11. Can you remain anonymous or use a pseudonym when dealing with us?
    1. Where it is lawful and practical to do so, you may wish to deal with us without providing any personal information, such as by providing a pseudonym or dealing with us anonymously, when you make general enquiries. However, in order to provide our goods and services to you, we will need to identify you.
  12. Overseas Recipients
    1. We may disclose your personal information to a recipient located outside Australia. This includes our contracted service providers operating overseas. Our service provider with respect of IT system development and support is located in Bulgaria.
    2. Prior to disclosing your personal information to an overseas recipient, unless a permitted general situation applies, we will take all reasonable steps to ensure that:
      1. the overseas recipient does not breach the Privacy Laws and that they use adequate security measures to protect your personal information; or
      2. the overseas recipient is subject to a law, or binding scheme, that has the effect of protecting the information in a way that, overall, is at least substantially similar to the way the Privacy Laws; or
      3. you have consented to us making the disclosure.
    3. As a trusted service provider, we ensure that protection and security controls applying to your personal information in Australia continue to apply in the hand of our affiliates or contracted service providers located overseas.
    4. Acceptance of any of our services via an application in writing, orally or electronic means will be deemed as giving consent to the disclosures detailed herein.
  13. Notifiable Data Breaches
    1. From February 2018, the Privacy Act includes a new Notifiable Data Breaches scheme (NDB) which requires us to notify you and the Office of the Australian Information Commissioner (OAIC) of certain data breaches and recommend steps you can take to limit the impacts of a breach (for example, a password change).
    2. The NDB scheme requires us to notify about a data breach that is likely to result in serious harm to affected individuals. There are exceptions where notification is not required. For example, where we have already taken appropriate remedial action that removes the risk of serious harm to any individuals.
    3. If we believe there has been a data breach that impacts your personal information and creates a likely risk of serious harm, we will notify you and the OAIC as soon as practicable and keep in close contact with you about the nature of the breach, the steps we are taking and what you can do to reduce the impacts to your privacy.
    4. If you believe that any personal information, we hold about you has been impacted by a data breach, you can contact us using the contact details below.
  14. Your rights
    1. In this Section 14, we have summarised the rights that you have under the Privacy Laws. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.
    2. The summary of your principal rights under Privacy Laws are:
      1. to request, at any time, for us to inform you of the personal information we hold about you;
      2. the right to access;
      3. the right to rectification;
      4. the right to erasure (where we have no legitimate right or business requirements to retain your personal information);
      5. the right to restrict or object to processing (where we have no legitimate right or business requirements to retain your personal information);
      6. the right to complain to a supervisory authority; and
      7. the right to withdraw your consent (where we have no legitimate right or business requirements to retain your personal information).
    3. You have the right to confirmation as to whether or not we process your personal information and, where we do, access to the personal information, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal information concerned and the recipients of the personal information. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal information. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.
    4. You have the right to have any inaccurate personal information about you rectified and, taking into account the purposes of the processing, to have any incomplete personal information about you completed. If we refuse your request to correct your personal information, you also have the right to request that a statement be associated with your personal information noting that you disagree with its accuracy.
    5. In some circumstances you have the right to the erasure of your personal information without undue delay. Those circumstances include: the personal information that is no longer necessary in relation to the purpose for which it was collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable Privacy Laws; the processing is for direct marketing purposes; and the personal information has been unlawfully processed. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.
    6. In some circumstances you have the right to restrict the processing of your personal information. Those circumstances are: you contest the accuracy of the personal information; processing is unlawful but you oppose erasure; we no longer need the personal information for the purposes of our processing, but you require personal information for the establishment, exercise or defence of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal information. However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.
    7. You have the right to object to our processing of your personal information on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or in the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defence of legal claims.
    8. You have the right to object to our processing of your personal information for direct marketing purposes (including profiling for direct marketing purposes). If you make such an objection, we will cease to process your personal information for this purpose.
    9. To the extent that the legal basis for our processing of your personal information is:
      1. consent; or
      2. that the processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract,
      and such processing is carried out by automated means, you have the right to receive your personal information from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.
    10. If you consider that our processing of your personal information infringes Privacy Laws, you have a legal right to lodge a complaint with the Office of the Australian Information Commissioner.
    11. To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.
    12. We usually will respond to you within 30 days of receiving your request.
    13. We may refuse to give you access to the personal information we hold about you if we reasonably believe that giving access would pose a serious threat to the life, health or safety of an individual, or to public health or safety, where giving access would be unlawful, where giving access would have an unreasonable impact on the privacy of other individuals, or if we consider the request to be frivolous or vexatious.
    14. If we refuse to give you access to or to correct your personal information, we will give you a notice explaining our reasons except where it would be unreasonable to do so.
    15. You may exercise any of your rights in relation to your personal information by contacting us. If you have a question or complaint about how your personal information is being handled by us, our affiliates or contracted service providers, please contact us first address your complaint to the Complaints Officer on the following email: help@yard.com.au.

    16. The Australian Financial Complaints Authority can consider certain privacy complaints relating to either the provision of credit or credit reporting information in general. You can lodge your complaint with:

      Australian Financial Complaints Authority
      Online:
      www.afca.org.au
      Email:
      info@afca.org.au
      Phone:
      1800 931 678 (free call)
      Mail:
      Australian Financial Complaints Authority
      GPO Box 3
      Melbourne VIC 3001

    17. Under the Privacy Laws you may also complain to the Office of the Australian Information Commissioner (OAIC) about the way we handle your personal information. Please note the OAIC requires any complaint must first be made to the respondent organisation. The law also allows 30 days for the respondent organisation to deal with the complaint before a person may make a complaint to the OAIC.

      The Commissioner can be contacted at:

      Office of the Australian Information Commissioner
      Phone:
      1300 363 992
      Email:
      enquiries@oaic.gov.au
      Website:
      www.oaic.gov.au
      Mail:
      GPO Box 5218
      Sydney NSW 2001
  15. Third party websites
    1. Our website includes hyperlinks to, and details of, third party websites.
    2. We have no control over, and are not responsible for, the privacy policies and practices of third parties.
  16. About cookies
    1. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
    2. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
    3. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
  17. Cookies that we use
    1. We use cookies for the following purposes:
      1. authentication - we may use cookies to identify you when you visit our website and as you navigate our website;
      2. status - we use cookies to help us to determine if you are logged into our website;
      3. application - we use cookies to maintain the state of your application as you navigate our website;
      4. personalisation - we use cookies to store information about your preferences and to personalise our website for you;
      5. security - we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally;
      6. advertising - we use cookies to help us to display advertisements that will be relevant to you;
      7. analysis - we use cookies to help us to analyse the use and performance of our website and services; and
      8. cookie consent - we use cookies to store your preferences in relation to the use of cookies more generally.
  18. Cookies used by our service providers
    1. Our service providers use cookies and those cookies may be stored on your computer when you visit our website.
    2. We use Google Analytics to analyse the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google's privacy policy is available at: https://policies.google.com/privacy.
    3. We may publish Google AdSense interest-based advertisements on our website. These are tailored by Google to reflect your interests. To determine your interests, Google will track your behaviour on our website and on other websites across the web using cookies. This behaviour tracking allows Google to tailor the advertisements that you see on other websites to reflect your interests. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. You can also opt out of the AdSense partner network cookie using those settings or using the Network Advertising Initiative's multi-cookie opt-out mechanism at: http://optout.networkadvertising.org. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you may wish to consider using the Google browser plug-ins available at: https://support.google.com/ads/answer/7395996.
  19. Managing cookies
    1. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
      1. https://support.google.com/chrome/answer/95647 (Chrome);
      2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
      3. https://www.opera.com/help/tutorials/security/cookies/ (Opera);
      4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
      5. https://support.apple.com/kb/PH21411 (Safari); and
      6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).
    2. Blocking all cookies will have a negative impact upon the usability of many websites.
    3. If you block cookies, you will not be able to use all the features on our website.
  20. Amendments
    1. We may update this policy from time to time by publishing a new version on our website.
    2. You should check this page occasionally to ensure you are happy with any changes to this policy.
  21. Our details
    1. This website is owned and operated by Yard and we are incorporated under the laws of New South Wales, Australia.
    2. You can contact us by email: Attention to the Complaints Officer at help@yard.com.au.
    3. This Privacy Policy is Version 2 dated 12 February 2021.