We collect, hold, use and disclose your personal information for the following purposes:</p> <ul> <li>to provide products and services to you;</li> <li>to provide you with news, information or advice about our existing and new products and services;</li> <li>to communicate with you, including but not limited to, by email, mail, SMS or telephone;</li> <li>to manage and enhance our products and services;</li> <li>to personalise and customise your experience;</li> <li>to provide you with access to protected areas of our websites;</li> <li>to conduct competitions or promotions on behalf of Fairfax and selected third parties;</li> <li>to verify your identity;</li> <li>to provide as part of business data to third parties if you have authorised us to do so;</li> <li>to conduct business processing functions for operation of our websites or our business;</li> <li>for our administrative, marketing (including direct marketing), promotional, planning, product/service development, quality control and research purposes, or those of our contractors or external service providers;</li> <li>to provide your updated personal information to us, our contractors or external service providers;</li> <li>to investigate any complaints about or made by you, or if we have reason to suspect that you are in breach of any of our terms and conditions or that you are or have been otherwise engaged in any unlawful activity.