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Michaelheffernan.com.au collects Credit card details over a Secure Socket Layer (SSL) connection and then processes them in-house, manually. You can safely quote your credit card number over the Internet using our secure server. If you believe your credit card has been incorrectly charged, please contact us immediately to discuss the matter.


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Michael Heffernan confirms that he may hold an interest in the securities mentioned in this website..


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Subject to provisions of the Copyright Act 1968 (Australia), the material may not otherwise be reproduced or displayed in public and may not be linked to, distributed or transmitted electronically to any other person or incorporated by any means into another document or material, including other websites without the prior written consent of Michael Heffernan.

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Security Summary


Confidential information including client credit card details are encrypted the moment they are transmitted from the client's browser using industry standard SSL 128-bit RC4 encryption technology.

Secure Connection

When your web browser shows a little lock icon towards the bottom right-hand corner, this means a secure connection has been established (this is a good sign).

A client's credit card details are not stored anywhere on the Internet and the only company who has access to this data is the merchant's bank. The bank also sends confirmation information via the same encryption technology back to the client's browser. These secure processes provide clients with peace of mind when purchasing online.

Using Your Credit Card on the Internet

Is using your credit card over the Internet dangerous? Although many complex security systems have been devised so far because of the inherent problems of using credit cards, none are completely secure. The fact is that every time you use your credit card, you are risking your credit card being misused.

Perhaps more importantly, you should realise that the most dangerous place to use a credit card is the way you use it normally - in full view of people. If you use your credit card for any purpose, it will be viewed by many people. Because credit card numbers are stored within organisations, they can be viewed, copied and misused by any of the people coming into contact with them. This includes the person processing the transaction, administrators within the organisation and the office cleaner when old credit card transaction slips are placed in the rubbish bin.

The question then is, what will be the cost to you if it is misused? Most major credit card companies will refund the costs of any fraudulent transactions. You can confirm this by ringing your credit card company. In the absolute worst case, some credit card companies charge a fee, usually around $50, for fraudulent card use. This will occur if they cannot be convinced you were not responsible for authorising the transaction. In effect, this means that using a credit card turns into a $50 'risk' every time you use it. This 'risk' exists whenever you use your card on the Internet or when you physically walk into a store and use it.
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