Terms and Conditions

Legal and Copyright

This Internet site and any content provided therein is proprietary to COBA – Customer Owned Banking AssociationLimited ACN 137 780 897. COBA owns any Copyright that exists in the content (© COBA – Customer Owned Banking Association Limited 2010). Except as expressly permitted in writing by COBA or as authorised by the Copyright Act 1968, no part of this document or its content may be reproduced, copied, stored in any retrieval system, modified, published or processed whether electronically or otherwise, including audio and video, or utilised for any purpose but for personal use.

Intellectual Property

Except where expressly provided otherwise in the Conditions, you do not have any right, title or interest in or to any proprietary rights relating to the Balance Banking website.
The Balance Banking website contains Material that is protected by copyright, trademark and other laws. Except where expressly provided otherwise in the Conditions, you may not reproduce and display the Material for commercial use without our prior written approval or the written approval of our licensor.
Nothing displayed on the Balance Banking website should be construed as granting any right of use in relation to any logo, masthead or trade mark displayed on the Balance Banking website without the express written consent of the relevant owner.

Legal Liability

COBA provides general information in this site for public access. The information is not specifically written to any one purpose or group of people and must not be relied upon without seeking independent legal, accounting or business advice. Whilst every care has been taken in the preparation of materials and information posted on this site, COBA does not warrant expressly or impliedly the accuracy, currency, completeness or relevance of any information contained herein. COBA disclaims any liability whatsoever, and howsoever incurred, of the reader as a consequence of his or her reliance on information contained in this site.
Linked sites are not controlled by COBA and COBA is not responsible for the content of any linked sites. If you access a site using a link from the Balance Banking webpage, you will leave the Balance Banking website and will be subject to the terms and conditions of the site you visit.

The information on this website is subject to change without notice and COBA may revise this disclaimer at any time.


COBA may collect personal information such as name, postcode, email and contact details from you as detailed in this site. COBA may also collect information on the IP address, date and timing of visits to the website for statistical purposes. COBA is committed to safeguarding your personal information in accordance with the Privacy Act 1988 and the National Privacy Principles. You authorise COBA to use your personal information as detailed in this site and COBA undertakes to only use that information for the given agreed purpose. For full details of COBA’ privacy policy please click here <http://www.customerownedbanking.asn.au/privacy> .

Your consent

By accessing the site, you, the reader, agree to the terms stated in this legal notice.


Your Privacy

COBA – Customer Owned Banking Association (facilitator of the Credit Union and Building Society Group campaign) is committed to safeguarding your privacy and complying with the National Privacy Policy Principles as set out in the Privacy Act (1988) and its subsequent amendments. This privacy policy explains our practices in relation to the use and storage of your personal information.

Collection & Use of Personal Information

We may record the names and contact details of those people that request further information from us via the Sign Up section on the Balancebanking.com.au <http://balancebanking.com.au> website. We will only collect information that is required by us to deliver information to users of the Balance Banking website. We will endeavour to keep and maintain the data held by our organisation as accurate and up to date as possible. You can assist us in our efforts to strive for accuracy by letting us know as soon as possible if your contact details should be changed. You can ask to be removed from our database or mailing list at any time by clicking ‘unsubscribe’ on any email you receive from us or by contacting the Privacy Officer by e-mailing [email protected]. We will not provide your personal details to any other person or organisation unless you ask us to do so.
All other information collected will be used in a fair and lawful manner.

Storage and Security of Personal Information

COBA – Customer Owned Banking Association maintains strict standards and security procedures to prevent unauthorised access to your personal information and to ensure the correct use of this information. The information the users of the Balance Banking website share through the Sign Up section will be stored in a central database that is password protected with access available only to authorised persons.
Once we have collected your personal information, you are entitled to request the details of the information we are holding about you. In order to request such information you need to contact us by letter, email or telephone and outline the nature of your enquiry. A response will be made to you in writing either by mail or email (as per the details held on the Balance Banking database) as soon as possible. For privacy and security reasons, it will not be possible to provide you with your personal details over the telephone.

What we collect

When you browse the Balance Banking website, our Internet service provider and Google Analytics program logs the following information for statistical purposes:

  • your server (IP) address;
  • top level domain name (eg .com, .gov, .au, etc.);
  • the date and time of your web-site visit;
  • country your server (IP) is located in;
  • the pages you looked at;
  • the type of browser you used;
  • the previous site you visited; and
  • the site you visited next.

We will not use information obtained from your browsing activities to send you any unsolicited information. This information is collected in order to determine the relevancy of material posted on the Balance Banking website and to enhance this service to visitors.
We will only record your e-mail address if you send us a message via the “Sign Up” section of the Balance Banking website. We will not add it to a mailing list if you ask us not to. Simply send us an e-mail or letter and ask for your details to be removed from the mail list.

Linked Sites

The Balance Banking website may contain links to other sites. COBA – Customer Owned Banking Association is not responsible for the privacy practices or the content of such websites. We encourage the reading of the privacy statements in these linked sites, as their privacy policies may differ from ours.

Contacting Us

If you have any comments or suggestions regarding this statement OR if you have any concerns about what information we have about you or how we store it please contact:
Privacy Officer
COBA – Customer Owned Banking Association
GPO Box 4686
[email protected]