This Privacy Policy applies to all personal information collected by PonderBank ABN 14604105491 (PonderBank) via the Site located at

How to contact us about privacy

Your privacy is very important to us. If you have any questions regarding our information practices and other privacy aspects of the Site. You can contact us at:

Collection and Purpose

We collect your personal information disclosed to us during the registration process . We may also collect personal information from you in the course of your use of our Site including , but not limited to:

  • (a) Registration;
  • (b) Contact Us Page;
  • (c) Referrals;
  • (d) Newsletters;
  • (e) Email alerts; and
  • (f) Publicly available information.

We collect the following types of personal information:

  • (a) Name;
  • (b) Address;
  • (c) Email address;
  • (d) Date of Birth;
  • (e) Facebook Friends, interests, social media details; and
  • (f) Bank details.

The purpose for which we collect personal information is to provide you with the best service experience possible on the Site and for our internal business purposes that form part of normal business practices. Some provision of personal information is optional. However, if you do not provide us with certain types of personal information, you may be unable to enjoy the full functionality of the Site.


We may disclose personal information only to our service providers who assist us in operating the Site. We will only disclose personal information to an unrelated third party with your consent.

Apart from such circumstances, we may disclose personal information in special situations where we have reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring or interfering (intentionally or unintentionally) with our rights or property, users or anyone else who could be harmed by such activities.

We may also disclose personal information as required by law.

In the event that we sell or buy businesses or their assets, or engage in transfers , acquisitions, mergers, restructurings, changes of control and other similar transactions, customer information is generally one of the transferable business assets. Thus, your personal information may be subject to such a transfer. In the unlikely event of insolvency, personal information may be transferred to a trustee or debtor in possession and then to a subsequent purchaser.

If you voluntarily provide information in publicly accessible areas of the Site, the information can be viewed and therefore used by others. We advise Users not to disclose contact information that they do not wish to have publicly available. We are not responsible for personal information you choose to submit publicly.

Access and Correction

Australian Privacy Principle 6 of the Privacy Act 1988 (Cth) allows you to get access to, and correct, the personal information we hold about you in certain circumstances. If you would like to obtain such access, please contact us on the details set out above.

Please note that the access and correction requirements under this Privacy Policy operates alongside and do not replace other informal or legal procedures by which an individual can be provided access to, or correction of, their personal information, including the requirements under the Freedom of Information Act 1982 (Cth).


Australian Privacy Principle 1 of the Privacy Act 188 (Cth) allows you to make a complaint about any alleged breaches of privacy. In order to lodge a complaint with us, please contact using the details above with the following information:
  • 1. Your name and address;
  • 2. Details of the alleged breach of privacy; and
  • 3. URL link to the alleged breach of privacy (if applicable).

Please allow us 30 days to investigate your complaint, after which we will contact you immediately to resolve the issue.

Retention of Information

We retain information for as long as required, allowed or we believe it useful, but do not undertake retention obligations. We may dispose of information in our discretion without notice , subject to applicable law that specifically requires the handling or retention of information . You must keep your own, separate back-up records.


You must do what you reasonably can to ensure the security of your personal information . It is your obligation that you protect yourself against unauthorised access to your password and to your computer. Please log out of the Site when you have finished using a shared computer. Be wary of including sensitive information in your emails to us as they are not necessarily secure against interception. We will not ask for passwords in an email and you should assume that if you get such a request, it must be fraudulent.

We have processes in place to ensure the security of your personal information. We have physical, electronic, and managerial procedures to help safeguard and prevent unauthorised access, maintain data security, and correctly use your information.

However, neither people nor security systems are infallible, including encryption systems. While we use reasonable efforts to protect your personal information, we cannot guarantee its absolute security.

Transfer out of Australia

The website is not hosted in Australia. For that reason, we transfer all data on the Site (including all personal information) to our hosting service providers and data centres located overseas , including but not limited to the following: USA, Singapore and other places that may host our data . You hereby expressly and voluntarily grant your informed consent to such transfers.

Changes to Privacy Policy

We reserve the right to amend this Policy at any time. Changes and clarifications will take effect immediately. If we make a significant change to the Policy, we may issue a notice by email or through notice on the home page of the Site. We encourage you to check the Policy from time to time to check for changes.


You warrant that you are able to give consents under Australian Law or, in the event that you do not have the capacity to give consent, you warrant that your guardian or attorney is able to give any consent required under this Privacy Policy on your behalf.

You hereby expressly and voluntarily grant your informed consent to PonderBank to deal with your personal information in accordance with the terms and conditions of this Privacy Policy. Should you retract your consent, please contact PonderBank. If you retract your consent, you acknowledge and agree that failure to provide certain types of personal information may not give you access to the full functionality of the Site.

Last updated on: 24.06.2015


This Cookie Policy forms part of and incorporates by reference all terms on the Site and Services, including the PonderBank Terms and Conditions. Your continued use of the Site and Services will signify your acceptance of this Policy. We may modify this Policy without notifying you, so we encourage you to check this Policy from time to time.

By using the Site and Services, you are agreeing that we can use the cookies described in this Cookie Policy. You can stop cookies by changing the settings on your browser.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your browsing device, e.g. a computer or smartphone, when you visit a website. Cookies can be recognised by the website that downloaded them, or other websites that use the same cookies. This helps websites know if the browsing device has visited them before.

Cookies do lots of functions, like helping us understand how the Services is being used, letting Users navigate between pages effectively, remembering your preferences, and generally improving your browsing experience. Cookies can also help ensure marketing you see online is more relevant to you and your interests.

What types of cookies does PonderBank use?

The types of cookies used by most websites can generally be put into five categories : Strictly Necessary, Performance, Functionality, Tailored Content and Targeting.

Strictly Necessary Cookies

These cookies are essential for the full functionality of the Services. They enable you to navigate around the Services and use its features, such as accessing secure areas. Without these cookies, you may not be able to access all the functions of the Services.

Performance Cookies

These cookies collect information about how you use the Services, e.g. which pages are the most visited and if you receive any error messages from any pages. These cookies do not gather information that identifies you. All information these cookies collect is anonymous and only used to improve how the Sit works.

Functionality Cookies

These cookies allow the Services to remember the choices you make, e.g. your User name , language or your region. These cookies can also be used to remember the changes you made to text size , font, and other parts of pages that you can customise. They may also be used to provide Services you have requested, e.g. watching a video or commenting on a post. The information these cookies collect may be anonymous and they cannot track your browsing activity on other websites.

Tailored Content Cookies

These cookies help the Services provide enhance features and display content in a way that is relevant to you. They help determinate what information is shown on the Services based on how you have used the Services previously. These cookies also track your browsing activity on other websites .

Targeting Cookies

These cookies are used to delivery advertisements that are more relevant to your and your interests. They are also used to limit the number of times you seen an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organisations such as advertisers. This means that after you have been to the Services, you may see some advertisement about our services elsewhere on the Internet.

How long will cookies stay on my browsing device?

The length of time a cookie will stay on your browsing device depends on whether it is a persistent or session cookie. Session cookies will only stay on your browsing device until you stop browsing. Persistent cookies will stay on your browsing device until they expire or are deleted .

First and third party cookies

First party cookies are cookies that belong to PonderBank, while third party cookies are cookies that another party places on your browsing device through our Services.

How to control and delete cookies through your browser

The browser you are using to view the Services can enable, disable or delete cookies . To do this, please follow the instructions provided for your browser. Please note that if you set your browser to disable cookies, you may not be able to access certain parts of the Services or Services. Other parts of the Services may also not work properly. You can find out more information about how to change your browser cookie settings at www.allaboutcookies .org.

Cookies used by PonderBank

The following tables set out the types of cookies that are most frequently used on the Services. Please note that these tables are not exhaustive and may be updated from time to time.

Strictly Necessary Cookies

Cookie Name Purpose of Cookie Expiry
XSRF-TOKEN Prevent cross-site request forgery Default expires after 2 hours
laravel_session Maintain user specific data for limited period of time Default expires after 2 hours

Performance Cookies

Cookie Name Purpose of Cookie Expiry
Nil Nil Nil

Functionality Cookies

Cookie Name Purpose of Cookie Expiry
__cfduid Backend design Default expires after 1 hour and 30 miniutes

By Third Parties

Please note that we use GoogleAnalytics, which may use their own cookies. Information about Google’s cookies is available from:


PonderBank is committed to observing and complying with its obligations at all times in Australia under the Spam Act 2003 (Cth). PonderBank does not endorse or use spam in any shape or form . However, PonderBank does send out commercial electronic messages to you for promotional purposes or to update you on any changes in PonderBank services and policies.

Commercial electronic messages sent by PonderBank should meet the following conditions as required by the Spam Act 2003 (Cth). Any messages sent to you that do not meet these three (3) conditions are categorized as spam:

1. Consent: Commercial electronic messages must be sent with your consent. You may give your consent expressly or consent may be inferred from your conduct and existing transactional relationship .

2. Identity: Commercial electronic messages must contain accurate information about the person or organization that authorized the sending of the message.

3. Unsubscribe: Commercial electronic messages must contain a function unsubscribe facility to allow you to opt out from receiving messages from us in the future.

For the purposes of this Anti-Spam Statement, the term “subject country” means the country from which you are accessing the PonderBank website.

PonderBank assures you that:

1. It has drafted an internal policy to educate PonderBank staff and representatives and implement clear guidelines and rules in relation to the dissemination of commercial electronic messages.

2. You are at liberty to unsubscribe from any mailing list to which you have previously subscribed.

3. If for any reason there appears to be no facility to be removed from the mailing list, please send us an email at INSERT advising us of your wish to unsubscribe or call us by telephone and request to speak with our Spam Policy Administrator.

4. PonderBank will not use address-harvesting software for any reason whatsoever .

5. To assist PonderBank to combat spam, we request your assistance with the following :

6. If you receive an offensive or unauthorized commercial message that appears to originate from a PonderBank e-mail address, please assume that it has been sent in error and notify us immediately on INSERT.

7. Please ensure that you unsubscribe from any of the PonderBank mailing lists if you decide that you no longer wish to receive electronic commercial messages from PonderBank or its contracted third parties.

8. If you do subscribe to our mailing list, please ensure that we have your current details at all times by either updating us on any change in, or cancellation of, your e-mail address, in your user profile or by emailing us at INSERT.


You may contact Ponder Media using any of the following

Ponder Media Pty Ltd
P: +61 (0)2 6369 6222