This Privacy Policy applies to the collection, use, disclosure, and handling of personal information by Cramzet Pty Ltd t/a Small Business Assistance and Advisory Service (SBAAS) ABN 89 146 271 196 and its associated entities (collectively “we” or “us”), including but not limited to personal information collected via our website located at (“Website”).

SBAAS is committed to protecting the privacy of individuals as defined by the Australian Privacy Principles (“APP’s”) set out in the Privacy Act 1988 (Cth) (the “Act”).

We will only collect, use or disclose personal information in accordance with the Act and this Privacy Policy.


Some information provided to us by clients, customers, contractors, and other third parties might be considered private or personal. Without these details, we would not be able to carry on our business and provide our services to you. We will only collect such personal information if necessary for one of our functions or activities.

In particular, situations in which personal information may be collected from people by SBAAS may include but not be limited to:

  • If you contact SBAAS, we may keep a record of that correspondence,
  • When you place or receive a telephone call to or from us, we may record that conversation,
  • When you submit your e-mail address to our Website mailing list.

At or before the time the personal information is collected by us, we will take reasonable steps to ensure that you are made aware of who we are, the fact that you can gain access to the information held about you, the purpose of the collection, the type(s) of organisations to which we usually disclose the information collected about you, any laws requiring the collection of the information and the main consequences for you if all or part of the information is not collected.


We may use or disclose personal information held about an individual for the primary purpose for which it is collected (eg. Provision of our services, including administration of our services, notification to you about changes to our services, record-keeping following termination of our services, and technical maintenance). We may also use such information for a purpose related to the primary purpose of collection and where you would reasonably expect that we would use the information in such a way. We may only share this information with related entities if we believe that the associated entities may add value or make such an offer as to add value. This information is only disclosed to persons outside our businesses in the circumstances set out in this policy or as otherwise notified to you at the time of the information collection.

In addition, we are permitted to use or disclose personal information held about you:

  • Where you have consented to the use or disclosure;
  • Where we reasonably believe that the use or disclosure is necessary to lessen or prevent a severe and immediate threat to someone’s health or safety or the public’s health or safety;
  • Where we reasonably suspect that unlawful activity has been being, or maybe engaged in, and the use or disclosure is a necessary part of our investigation or in reporting the matter to the relevant authorities;
  • Where such use or disclosure is required under or authorised by law (for example, to comply with a subpoena, a warrant, or other order of a court or legal process);
  • Where we reasonably believe that the use or disclosure is reasonably necessary for prevention, investigation, prosecution, and punishment of crimes or wrongdoings or the preparation for, conduct of, proceedings before any court or tribunal or the implementation of the orders of a court or tribunal by or on behalf of an enforcement body.


Some of the third parties to whom we disclose your personal information may be located outside Australia.

For example, we may disclose your personal information to external national or overseas facilities to conduct information and data processing, back up and scanning, or obtain other services from third parties.

However, SBAAS will not send personal information about an individual outside Australia without:

  • obtaining the consent of the individual (in some cases, this consent will be implied);
  • otherwise taking all reasonable steps to ensure such third parties comply with the Australian Privacy Principles or other applicable privacy legislation.

The countries in which these third parties are located will depend on the circumstances.  However, in the course of our ordinary business operations, we commonly disclose personal information to third parties located in the following countries: New Zealand; United Kingdom; USA; Spain;

SBAAS may also store personal information in the ‘cloud,’ meaning that it resides on servers situated outside Australia. As independent third parties provide these cloud storage services, the actual location of these servers may change from time to time and is outside the knowledge or control of SBAAS.


Our Website may contain links to other websites, and those third-party websites may collect personal information about you. We are not responsible for the privacy practices of other businesses or the content of websites that are linked to our Website. SBAAS encourages users to be aware when they leave the Website and read each website’s privacy statements that collect personally identifiable information.

SBAAS may collect information from the Website using “cookies.” When you visit the Website to read, browse or download a report, our system will record/log your IP address (the address which identifies your computer on the internet and which is automatically recognised by our web server), date, and time of your visit to our Website, the pages viewed and any information downloaded. This information will only be used for the purpose of site analysis and to help us offer you improved online service. We may automatically collect non-personal information about you, such as the type of Internet browsers you use or the site from which you linked to our Website. You cannot be identified from this information, and it is only used to assist us in providing an effective service on our Website.


SBAAS places great importance on the security of all information associated with our customers, clients, and contractors. We have security measures in place to attempt to protect against the loss, misuse, and alteration of personal information under our control.

Personal information is de-identified or destroyed securely when no longer required by us.

SBAAS retains the information you provide to us, including possibly your contact and credit card details to enable us to verify transactions and customer details and to maintain adequate records for legal and accounting purposes. This information is held on secure servers in controlled facilities.

Information stored within our computer systems can only be accessed by those entrusted with authority and computer network password sanctions.

No data transmission over the Internet can be guaranteed 100 percent secure. As a result, while we strive to protect users’ personal information, SBAAS cannot ensure or warrant the security of any information transmitted to it or from its online products or services, and users do so at their own risk. Once it receives your transmission, it makes every effort to ensure the security of its systems.

Ultimately, you are solely responsible for keeping your passwords and account information secret. It would help if you were careful and responsible whenever you are online.


You have a right to request access to or correction of your personal information held by us. If you wish to access, correct, or update any personal information we may have about you, don’t hesitate to contact our Privacy Officer in writing, as set out below.

However, we may charge for providing access to this information to cover the cost of verifying your application and locating, retrieving, reviewing, and copying any material requested.

We may also refuse access where the Act allows us to do so. If we cannot provide you with access to that information, we will provide you with a written notice explaining the reasons for refusal.


Suppose you have a complaint about our Privacy Policy or the collection, use, safe disposal, or destruction of your personal information. In that case, your complaint should be directed in the first instance to us by e-mail: info at

We will investigate your complaint and attempt to resolve any breach that might have occurred about the collection, use, or destruction of personal information held by us about you in accordance with the Commonwealth Privacy legislation. If you are not satisfied with the outcome of this procedure, then you may request that an independent person (usually the Commonwealth Privacy Officer) investigate your complaint.

Our internal complaint handling division will deal fairly and promptly with your complaint. However, if you remain dissatisfied, you can also make a formal complaint with the Office of the Australian Information Commissioner (which is the regulator responsible for privacy in Australia):

Office of the Australian Information Commissioner (OAIC)

Phone 1300 363 992


Complaints must be made in writing:

Director of Compliance
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001


If you require further information regarding our Privacy Policy, please contact us at the following address:  info at

Should you wish to read more information on privacy legislation or the National Privacy Principles, or the Australian Privacy Principles, we recommend visiting the Federal Privacy Commissioner’s website at


We may change this Privacy Policy at our discretion. By continuing to use the Website or otherwise dealing with us, you accept this Privacy Policy as it applies from time to time.

Last updated 20/03/2019