Privacy

1)   Privacy

a)    Your Personal Information

i)     MTG recognises that your privacy is very important to you and that you have a right to control your personal information. We know that providing personal information is an act of trust and we take that seriously.

ii)    Unless you give us explicit consent to act otherwise, the following policy will govern how MTG handles your personal information.

b)   Collecting Personal Information

i)     Whenever you visit our web site, our servers automatically record information about your usage such as the time of the visit, its duration and the pages which you visit. This is intended to help us to understand what parts of our website our users enjoy the most. The information we collect about you remains anonymous, and we do not link it to any other personal information.

c)    Use Of Cookies and Applets

i)     Cookies are pieces of information that a website transfers to your computer’s hard disk for record-keeping purposes. Most Web browsers are set to accept cookies. However, if you do not wish to receive any cookies you may set your browser to refuse cookies.

ii)    If you do not want us to retain any information at all, even in an anonymous form, you can use the Preferences on your browser program to remove all cookies and set the browser not to accept cookies in the future.

iii)  In some instances this may mean you will not be able to take full advantage of parts of the website.

d)   MTG uses an independent companies to measure and analyse the internet usage across our website research. This company will collect information on the following core information on the MTG web site:

i)     The number of page views (or page impressions) that occur on the website;

ii)    The number of unique visitors to the website;

iii)  How long these unique visitors (on average) spend on the website when they do visit; and

iv)  Common entry and exit points into the website.

e)    This aggregate, non-personal information is collated and provided to MTG to assist in analysing the usage of the website. The data is also accessible by media organizations and research companies, for the purpose of conducting industry comparisons with other internet portals.

f)     Using and Disclosing Your Personal Information

g)    MTG will not use or disclose any information about you without your consent, or access your communications on our websites, unless:

i)     Authorised by your acceptance of these terms.

ii)    Required by law.

iii)  We believe it necessary to provide you with a service which you have requested.

iv)  To implement our terms of use.

v)    To protect the rights or property of MTG, any MTG user, or any member of the public.

vi)  To lessen a serious threat to a person’s health or safety.

h)   MTG and its affiliates recognise the trust you place in us when you give us personal information. In order to operate the website or deliver a service you have requested we may sometimes share your personal information with an affiliate or with a service partner.

i)     Storage and Security of Your Personal Information

i)     MTG will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date.

ii)    In addition, our employees and the contractors who provide services related to our information systems are obliged to respect the confidentiality of any personal information held by MTG. However, MTG is not responsible for events arising from unauthorised access to your personal information.

j)     You must maintain the confidentiality of any password and accounts used on the MTG website. Please notify us immediately if you suspect any unauthorised use of your account.

2)    DIRECTOR’S GUARANTEE

a)    This clause applies if the client is a corporation.  This clause is an essential term of this contract.

i)     The word guarantor means the person named as ‘guarantor’ or ‘applicant’ in the MTG credit application form.

ii)    In consideration of MTG entering into this contract at the guarantor’s request, the guarantor guarantees to MTG payment of all money payable by the client under this contract;  and

iii)  must pay on demand any money due to MTG under this indemnity.

b)   If MTG assigns or transfers the benefit of this contract, the transferee receives the benefit of the guarantor’s obligations under this clause.

c)    The guarantor’s obligations under this clause are not released, discharged or otherwise affected by:

i)     the granting of any time, waiver, covenant not to sue or other indulgence;

ii)    the release or discharge of any person;

iii)  an arrangement, composition or compromise entered into by MTG, the client, the guarantor or any other person;

iv)  any moratorium or other suspension of the right, power, authority, discretion or remedy conferred on MTG by this contract, a statute, a Court or otherwise;

v)    payment to MTG, including payment which at or after the payment date is illegal, void, voidable, avoided or unenforceable;  or

vi)  the winding up of the client.

d)   This clause binds the guarantor and the executors, administrators and assigns of the guarantor and operates as a Deed between MTG and the guarantor.

3)   What To Do If You Have A Problem Or Question

If you have any further queries relating to our privacy policy, or you have a problem or complaint, please contact us via our “Contact Us” page found on the MTG web site.