{"id":35970,"date":"2025-10-28T15:25:28","date_gmt":"2025-10-28T22:25:28","guid":{"rendered":"https:\/\/cowbell.insure\/au\/?page_id=35970"},"modified":"2026-09-23T11:24:16","modified_gmt":"2026-09-23T18:24:16","slug":"privacy","status":"publish","type":"page","link":"https:\/\/cowbell.insure\/au\/privacy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_fullwidth_header title=&#8221;Privacy Policy&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_text_align=&#8221;left&#8221; background_color=&#8221;#0057A8&#8243; background_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Intro&#8221; _builder_version=&#8221;4.27.7&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Cowbell Insurance Solutions Pty Ltd is a direct wholly-owned subsidiary of Cowbell Cyber Inc. (Cowbell Insurance Solutions Pty Ltd. and Cowbell Cyber Inc. referred to collectively hereafter as \u201cCowbell\u201d or \u201cOur Company\u201d). This privacy policy will explain how our organisation uses the personal data we collect from you when you use our website.<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2 style=\"font-size:28px;font-weight:500;\">Topics<\/h2>\n<p><!-- [et_pb_line_break_holder] -->[toc]<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->jQuery(function($) {<!-- [et_pb_line_break_holder] -->window.et_pb_smooth_scroll = function( $target, $top_section, speed, easing ) {<!-- [et_pb_line_break_holder] -->var $window_width = $( window ).width();<!-- [et_pb_line_break_holder] -->$menu_offset = -1;<!-- [et_pb_line_break_holder] -->var headerHeight = 135;<!-- [et_pb_line_break_holder] -->if ( $ ('#wpadminbar').length && $window_width <= 980 ) {<!-- [et_pb_line_break_holder] -->$menu_offset += $( '#wpadminbar' ).outerHeight() + headerHeight;<!-- [et_pb_line_break_holder] -->} else {<!-- [et_pb_line_break_holder] -->$menu_offset += headerHeight;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/\/fix sidenav scroll to top<!-- [et_pb_line_break_holder] -->if ( $top_section ) {<!-- [et_pb_line_break_holder] -->$scroll_position = 0;<!-- [et_pb_line_break_holder] -->} else {<!-- [et_pb_line_break_holder] -->$scroll_position = $target.offset().top - $menu_offset;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/\/ set swing (animate's scrollTop default) as default value<!-- [et_pb_line_break_holder] -->if( typeof easing === 'undefined' ){<!-- [et_pb_line_break_holder] -->easing = 'swing';<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->$( 'html, body' ).animate( { scrollTop : $scroll_position }, speed, easing );<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->});<!-- [et_pb_line_break_holder] --><\/script> [\/et_pb_code][et_pb_text admin_label=&#8221;Body&#8221; _builder_version=&#8221;4.27.7&#8243; header_font=&#8221;|700|||||||&#8221; header_2_font=&#8221;inter|500|||||||&#8221; header_2_text_color=&#8221;#0057A8&#8243; header_2_font_size=&#8221;28px&#8221; header_3_font=&#8221;inter|500|||||||&#8221; header_3_text_color=&#8221;#0057A8&#8243; header_3_font_size=&#8221;20px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_css_free_form=&#8221;selector h2 {||  font-family: &#8216;tradegothic&#8217;, sans-serif !important;||  font-size:28px !important;||||}||selector h3 {||  font-family: &#8216;tradegothic&#8217;, sans-serif !important;||  font-size:20px !important;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"type-of-data\">The type of data we collect<\/h2>\n<p>Our Company collects the following data:<\/p>\n<ul>\n<li>Personal Identification Information (including, but not limited to, name, email address, phone number, etc., company information, mailing address, CV and applicant information (in the case of job applicants).<\/li>\n<li>Any communications you send to us.<\/li>\n<li>We may also collect Personal Identification Information automatically when you use our website <a href=\"https:\/\/cowbell.insure\/au\/\">cowbell.insure\/au<\/a> (collectively, the \u201cSite\u201d) or the Service, as defined in Cowbell\u2019s Terms of Service, located at <a href=\"https:\/\/cowbell.insure\/au\/terms\/\">cowbell.insure\/au\/terms<\/a> (the \u201cTerms\u201d). Personal Identification Information collected automatically may include information about the device you use to access the Site and your visits to the Site, and may include information about the device you use to access the Site and your visits to the Site, such as your IP address, geographical location, browser type, referral source, Site navigation patterns, length of visit and pages viewed, and other data collected through cookies and other tracking technologies. For more information on our use of these technologies, see our Cookies section below. We use Google Analytics on the Site to help us analyse the traffic on the Site. For more information on Google Analytics\u2019 processing of Personal Identification Information, please see <a href=\"https:\/\/www.google.com\/policies\/privacy\/partners\/\">https:\/\/www.google.com\/policies\/privacy\/partners\/<\/a>. By using a browser plugin <a href=\"https:\/\/www.google.com\/ads\/preferences\/plugin\/\">https:\/\/www.google.com\/ads\/preferences\/plugin\/<\/a> provided by Google, you can opt out of Google Analytics.<\/li>\n<\/ul>\n<h2 id=\"how-we-collect\">How we collect your data<\/h2>\n<p>You directly provide Our Company with most of the data we collect. We collect data and process data when you:<\/p>\n<ul>\n<li>Use or view our website via your browser\u2019s cookies.<\/li>\n<li>Sending emails and attachments to Our Company (for new business submissions, support requests, various other needs)<\/li>\n<li>Requesting and completing a distribution or similar agreement with Our Company<\/li>\n<\/ul>\n<p>Our Company may also receive your data indirectly as follows:<\/p>\n<ul>\n<li>We obtain information from third party sources, including public records, surveys or questionnaires, data licensors, affiliated entities, marketing firms, internet security researchers, and\/or consumers who use our products. We use this information to validate and enrich information in our databases so that we can provide and improve services to users of our offerings.<\/li>\n<\/ul>\n<h2 id=\"how-we-use\">How we use your data<\/h2>\n<p>Our Company collects your data so that we can:<\/p>\n<ul>\n<li>Personalise your experience on the Site or with the Service (Personal Identification Information about you helps us to better respond to your individual needs);<\/li>\n<li>Improve the Site or the Service;<\/li>\n<li>Improve customer service;<\/li>\n<li>Process transactions;<\/li>\n<li>Administer a contest, promotion, survey or other feature of the Site or the Service;<\/li>\n<li>Identify and authenticate your access to the parts of the Site that you are authorised to access;<\/li>\n<li>Protect the rights and\/or our property and to ensure the technical functionality and security of the Site;<\/li>\n<li>Send periodic emails;\n<ul>\n<li>The email address you provide may be used to send you information and updates pertaining to your account, in addition to receiving occasional company news, updates, related product or service information, etc.<\/li>\n<li>Please note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.<\/li>\n<\/ul>\n<\/li>\n<li>Sell, market, provide, and improve our products and services, including providing insurance quotes, servicing and renewing your policies, and analysing and administering insurance claims.<\/li>\n<\/ul>\n<h2 id=\"how-we-store\">How we store your data<\/h2>\n<p>Our Company securely stores your data on servers located in Singapore. In addition, some of your data is located on servers provided by the third parties. Some of the servers that host your personal data may be located in countries (including the United States) that do not provide a level of data protection equivalent to that of your home country. We will take appropriate steps to make sure that our service providers act in accordance with applicable law. Our Company uses the following third parties:\\<\/p>\n<ul>\n<li>Salesforce \u2013 Customer relationship management software (<a href=\"https:\/\/www.salesforce.com\/company\/privacy\/\">Privacy Policy<\/a>)<\/li>\n<li>DocuSign \u2013 Electronic agreement management (<a href=\"https:\/\/www.docusign.com\/privacy\">Privacy Policy<\/a>)<\/li>\n<\/ul>\n<p>To ensure that your data is secure, we have put in place commercially suitable physical, electronic, and managerial procedures to safeguard and secure the information we collect on our Site and through the Service. Nonetheless, the transmission of data via the internet is not completely secure and therefore we cannot guarantee the security of data sent to us electronically on our Site or through the Service, and transmission of such data is therefore entirely at your own risk<\/p>\n<p>Our Company will keep the data outlined above for a period of up to seven years.\u00a0 Once this time period has expired, we will delete your data.<\/p>\n<h2>Marketing<\/h2>\n<p>Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies that are part of our Cowbell Rx marketplace, which can be found here: <a href=\"https:\/\/cowbell.insure\/au\">cowbell.insure\/au<\/a>.<\/p>\n<p>If you have agreed to receive marketing, you can always opt out at a later date.<\/p>\n<p>You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other members of our Group of Companies.<\/p>\n<p>If you no longer wish to be contacted for marketing purposes, please contact our marketing team here: <a href=\"mailto:marketing@cowbellcyber.ai\">marketing@cowbellcyber.ai<\/a>.<\/p>\n<h2>Your data protection rights<\/h2>\n<p>Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:<\/p>\n<ul>\n<li><strong>The right to access<\/strong> \u2013 You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.<\/li>\n<li><strong>The right to rectification<\/strong> \u2013 You have the right to request that Our Company corrects any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.<\/li>\n<li><strong>The right to erasure<\/strong> \u2013 You have the right to request that Our Company erases your personal data, under certain conditions.<\/li>\n<li><strong>The right to restrict processing<\/strong> \u2013 You have the right to request that Our Company restricts the processing of your personal data, under certain conditions.<\/li>\n<li><strong>The right to object to processing<\/strong> \u2013 You have the right to object to Our Company\u2019s processing of your personal data, under certain conditions.<\/li>\n<li><strong>The right to data portability<\/strong> \u2013 You have the right to request that Our Company transfers the data that we have collected to another organisation, or directly to you, under certain conditions.<\/li>\n<\/ul>\n<p>If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email: <a href=\"mailto:privacy@cowbellcyber.ai\">privacy@cowbellcyber.ai<\/a>.<\/p>\n<p>Call us at: +1 800 844 989, or write to us in the form located at: <a href=\"https:\/\/cowbell.insure\/au\/contact\">cowbell.insure\/au\/contact<\/a><\/p>\n<h2>Privacy notice for Australia Residents<\/h2>\n<p>To comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), this section outlines our data practices and your privacy rights under Australian law, as detailed below.<\/p>\n<h3>Summary of Our Data Practices<\/h3>\n<p>To keep this policy easy to read, we have detailed our data collection, use, and storage practices in the main sections of this Policy. You can quickly jump to them using the links below:<\/p>\n<ul>\n<li><a href=\"#type-of-data\">What Type of Data Does Cowbell Collect<\/a><\/li>\n<li><a href=\"#how-we-collect\">How Does Cowbell Collect Your Data?<\/a><\/li>\n<li><a href=\"#how-we-use\">How Does Cowbell Use the Data that it Collects?<\/a><\/li>\n<li><a href=\"#how-we-store\">How Cowbell Stores Your Data.<\/a><\/li>\n<\/ul>\n<h3>Your Rights under the Privacy Act and APPs<\/h3>\n<p>You may access personal information about you that we hold and seek the correction of such information. This is described in the section entitled, \u201cYour Data Protection Rights\u201d. Australian residents should note that under the Privacy Act there is no right to request the deletion of your personal information.<\/p>\n<p>You may contact us to complain about a perceived breach by us of the APPs. This is detailed in the section of this Policy entitled, \u201cHow to contact us.\u201d At all times, privacy complaints:<\/p>\n<ul>\n<li>Will be treated seriously;<\/li>\n<li>Will be dealt with promptly;<\/li>\n<li>Will be dealt with in a confidential manner; and<\/li>\n<li>Will not affect your existing obligations or affect the commercial arrangements between you and us.<\/li>\n<\/ul>\n<p>We will commence an investigation into your complaint. You will be informed of the outcome of your complaint following completion of the investigation.<\/p>\n<h3>Cross-Border Data Transfers and Storage<\/h3>\n<p>Our Company securely stores your data on servers located in Singapore. In addition, some of your data is located on servers provided by the third parties. Some of the servers that host your personal data may be located in countries (including the United States) that do not provide a level of data protection equivalent to that of your home country. For more information, please refer to the Section in this Policy entitled, \u201cHow We Store Your Data\u201d. Before disclosing any personal information to an overseas recipient, we take reasonable steps to ensure the overseas recipient complies with the APPs or is bound by a substantially similar privacy scheme unless you consent to the overseas disclosure or is required or permitted by law.<\/p>\n<h3>Automated Decision-Making and Profiling<\/h3>\n<p>As part of our underwriting and application workflows, we utilize automated decision-making (ADM) processes, including machine learning (ML), to analyze risk parameters, detect potential fraud patterns, and determine insurance premium pricing. Initial assessments are made solely by technological means without human involvement or review. The logic involves comparing your provided risk criteria (e.g., previous claims history, identity validation, anti-money laundering indicators, and credit parameters) against industry risk averages (profiling) to evaluate fraud vulnerabilities and cumulative risk patterns. This automated processing is strictly necessary for entering into an insurance contract with us. The potential results of this ML component may be that your quote is declined at the initial phase or advanced for further assessment, which may include a human review.<\/p>\n<h2>Cookies<\/h2>\n<p>Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. Cookies enable the sites or service providers systems to recognise your browser and capture and remember certain information.<\/p>\n<p>For further information, visit <a href=\"https:\/\/allaboutcookies.org\/\">https:\/\/allaboutcookies.org\/<\/a>.<\/p>\n<h2>How we use cookies<\/h2>\n<p>We use cookies to help us remember and process your transactions, understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors.<\/p>\n<h2>Types of cookies we use<\/h2>\n<p>There are a number of different types of cookies, however, our Site uses:<\/p>\n<ul>\n<li>Functionality \u2013 Our Company uses these cookies so that we recognise you on our Site and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.<\/li>\n<li>Advertising \u2013 Our Company uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address. Our Company sometimes shares some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.<\/li>\n<li>Analytical \u2013 Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics, such as the number of visitors, bounce rate, traffic source, etc.<\/li>\n<\/ul>\n<h2>How to manage cookies<\/h2>\n<p>All computers have the ability to decline cookies. This can be done by activating the setting on your browser which enables you to decline the cookies. Please note that should you choose to decline cookies, you may be unable to access particular parts of our Site.<\/p>\n<h2>User-generated content<\/h2>\n<p>The Site or the Service may provide online forums through various potential functionalities, including messaging, comments, chat rooms, blogs, and other similar mechanisms. Cowbell does not have any control whatsoever over the user-generated content contained in such a forum provided on the Site or through the Service and will bear no liability for the content\u2019s accuracy, suitability, legality, or inoffensiveness. Cowbell bears no responsibility or obligation to monitor user-generated content but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever. Should you encounter any issues with user-generated content, please contact us immediately at <a href=\"mailto:hello@cowbell.au\">hello@cowbell.au<\/a>.<\/p>\n<h2>Third party links<\/h2>\n<p>Occasionally, at our discretion, we may include or offer third party products or services on our Site. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of the Site and the Service and welcome any feedback about these sites.<\/p>\n<h2>How we respond to do-not-track signals<\/h2>\n<p>Cowbell does not track Site users\u2019 web browser information. Accordingly, we do not currently respond or take any action with respect to web browser \u201cdo not track\u201d signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of Personal Identification Information about an individual consumer\u2019s online activities over time and across third-party websites or online services.<\/p>\n<h2>Privacy policies of other websites<\/h2>\n<p>Our Company Site contains links to other websites. Our privacy policy applies only to our Site, so if you click on a link to another website, you should read their privacy policy.<\/p>\n<h2>Accessing and updating your Personal Identification Information<\/h2>\n<p>You may access, correct, or request deletion of your Personal Identification Information by logging into your account or contacting us at <a href=\"mailto:privacy@cowbellcyber.ai\">privacy@cowbellcyber.ai<\/a>. We will try to respond to your request within a reasonable timeframe. Please be aware that even after we have processed your request for such a change, we may retain certain residual information in the backup and\/or archival copies of our database. In the event you close any account in connection with the Service, your account will be deactivated and your name and other Personal Identification Information will no longer be accessible by you. We may retain your Personal Identification Information for as long as your account is active or to provide you services, improve the Site or the Service, comply with our legal obligations, resolve disputes and enforce our agreements.<\/p>\n<h2>Children\u2019s privacy<\/h2>\n<p>The Site and the Service is not intended for children under the age of 18. Accordingly, we do not intend to collect Personal Identification Information from anyone we know to be under 18 years of age.<\/p>\n<h2>Terms and conditions<\/h2>\n<p>Please also visit our Terms of Service, establishing the use, disclaimers, and limitations of liability governing the use of the Site and the Service at <a href=\"https:\/\/cowbell.insure\/au\/terms\/\">cowbell.insure\/au\/terms<\/a>.<\/p>\n<h2>Changes to our privacy policy<\/h2>\n<p>Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 23 September 2026<\/p>\n<h2>How to contact us<\/h2>\n<p>If you have any questions about Our Company\u2019s privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.<\/p>\n<p><strong>Email us at:<\/strong> <a href=\"mailto:privacy@cowbellcyber.ai\">privacy@cowbellcyber.ai<\/a><\/p>\n<p><strong>Call us:<\/strong><\/p>\n<p>If in the United States: +1 (833) 633-8666.<br \/>If in Australia: +61 1 800 844 989<\/p>\n<p><strong>Or write to us at:<\/strong><\/p>\n<p>If in the United States<\/p>\n<p style=\"padding-left: 40px;\">Cowbell Cyber, Inc.<br \/>6800 Koll Center Parkway, Suite 250<br \/>Pleasanton, CA 94566<\/p>\n<p>If in Australia<\/p>\n<p style=\"padding-left: 40px;\">Cowbell Insurance Solutions Pty Ltd<br \/>Suite 20.01, Level 20\/133 Castlereagh St<br \/>Sydney NSW 2000, Australia<\/p>\n<h2>How to contact the appropriate authority<\/h2>\n<p>If you are not satisfied with our response to your complaint, you can also refer it to the Office of the Australian Information Commissioner (<strong>OAIC<\/strong>) or the Australian Financial Complaints Authority (<strong>AFCA<\/strong>):<\/p>\n<h3>OAIC (Office of the Australian Information Commissioner)<\/h3>\n<p><strong>Telephoning:<\/strong> 1300 363 992<\/p>\n<p><strong>Writing:<\/strong> Fill in the privacy complaint form available on the OAIC website (<a href=\"https:\/\/www.oaic.gov.au\/privacy\/privacy-complaints\/lodge-a-privacy-complaint-with-us\">https:\/\/www.oaic.gov.au\/privacy\/privacy-complaints\/lodge-a-privacy-complaint-with-us<\/a>) and send it to the following postal address or submit online:<\/p>\n<p style=\"padding-left: 40px;\">Office of the Australian Information Commissioner<br \/>GPO Box 5288<br \/>SYDNEY NSW 2001<\/p>\n<p><strong>Online:<\/strong> <a href=\"https:\/\/webform.oaic.gov.au\/prod?entitytype=Enquiry&amp;layoutcode=EnquiryWF\">https:\/\/webform.oaic.gov.au\/prod?entitytype=Enquiry&amp;layoutcode=EnquiryWF<\/a><\/p>\n<h3>AFCA (Australian Financial Complaints Authority)<\/h3>\n<p><strong>Telephoning:<\/strong> 1800 931 678<\/p>\n<p><strong>Writing to the Following Postal Address:<\/strong><\/p>\n<p style=\"padding-left: 40px;\">AFCA Service Complaints<br \/>Australian Financial Complaints Authority<br \/>GPO Box 3<br \/>Melbourne VIC 3001<\/p>\n<p><strong>Emailing:<\/strong> <a href=\"mailto:info@afca.org.au\">info@afca.org.au<\/a><\/p>\n<p><strong>Online:<\/strong> <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\">https:\/\/www.afca.org.au\/make-a-complaint<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cowbell Cyber website terms of service<\/p>\n","protected":false},"author":50,"featured_media":0,"parent":0,"menu_order":76,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-35970","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - 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