committed to protecting the privacy of our customer’s information and to
handling your personal information in a responsible manner in accordance with
the Privacy Act 1988 (Cth), the Privacy Amendment (Enhancing Privacy
Protection) Act 2012, the National Privacy Principles and relevant State and
Territory privacy legislation (referred to as privacy legislation).
Policy explains how we collect, use and disclose your personal information, how
you may access that information and how you may seek the correction of any
explains how you may make a complaint about a breach of privacy legislation.
Policy is current from 12th March 2014.
From time to
time we may make changes to our policy, processes and systems in relation to
reflect any changes. Those changes will be available on our website and in our
information that is necessary and relevant to provide you with acquisition of
goods and services.
name, address, date of birth, gender, financial details, Centrelink CRN and
relevant information, direct debit details and any other information that our
Company deems necessary.
consent from our client, we will not collect information about them that
reveals their racial or ethnic origin, political opinions,
religious/philosophical beliefs or affiliations, professional or trade
associations/trade unions, details of health/disability or sexual orientation
or incarceration unless it will affect the capacity of our client to repay the
information may be stored on our computer system and/or in hand written/computer
generated records, such as completed application forms, Centrelink Statements,
copies of pay slips, signed Contracts.
Wherever practicable we will only collect information
from you personally, either over the phone, over the counter, through email
correspondence or via our website.
may also need to collect information from other sources such as Centrelink,
your reference’s, your employer, your landlord and from a credit reporting
Access to, and disclosure of, credit
information about you will include both consumer credit and commercial credit
worthiness data, for the purpose of assessing your consumer credit risk.
collecting information for a Credit Reporting Agency, we will hold and use this
information relating to your consumer & commercial creditworthiness from:-
P - 1300 734
who is a
credit reporting body, for all purposes permitted by law.
The type of
information that we may collect, use, hold and disclose to Dun & Bradstreet
(which can be before, during and after providing you with credit) can include:-
and previous address
fact that you have applied for credit
fact that we have provided or declined credit to you
information (but only where you are at least 60 days overdue in making the
payment of $150 or more and we have given you 14 days written notice informing
you of our intention to default list you and requesting you pay the overdue
that payments have been made or are no longer overdue
you have (or have tried to) defraud us
information that, in our opinion, you have committed a serious credit
information may be collected and entered by any of our staff. In emergency
situations we may also need to collect information from your relatives, friends
required by law to retain records for certain periods of time.
Use and Disclosure
treat your personal information as strictly private and confidential.
There are circumstances
where we may be permitted or required by law to disclose your personal
information to third parties. For example:-
Medicare, Police, insurers, solicitors, government regulatory bodies,
tribunals, courts of law, or debt collection agents.
disclose information about you to outside contractors to carry out activities
on our behalf, such as an IT service provider, solicitor or debt collection
security and confidentiality requirements on how they handle your personal information.
Outside contractors are required not to use information about you for any
purpose except for those activities we have asked them to perform.
Data Quality and
We will take
reasonable steps to ensure that your personal information is accurate, complete,
up to date and relevant.
purpose our staff may ask you to confirm that your contact details are correct
when you attend our Office, speak to us over the phone or deal with us through
that you let us know if any of the information we hold about you is incorrect
or out of date.
information that we hold is protected by:
▶ securing our premises;
▶ placing passwords and varying access
levels on databases to limit access and protect electronic information from
unauthorised interference, access, modification and disclosure; and
▶ providing locked cabinets and rooms
for the storage of physical records.
believe that the information we have about you is not accurate, complete or
up-to-date, we ask that you contact us in writing at (see below).
entitled to request access to your records.
that you put your request in writing and we will respond to it within a
There may be
a fee for the administrative costs of retrieving and providing you with copies
of your records.
We may deny
access to your records in certain circumstances permitted by law, for example,-
may cause a serious threat to your health or safety.
privacy of others would be unreasonably impacted,
request is deemed frivolous or vexatious,
information relates to a commercially sensitive decision making process,
dispute resolution proceedings
third party has given us information about our client in confidence,
law, we have been authorised and required to deny access,
We will always tell you why access is denied
and the options you have to respond to our decision.
If you have
a complaint about the privacy of your personal information, we request that you
contact us in writing.
of a complaint we will consider the details and attempt to resolve it in
accordance with our complaints handling procedures.
If you are
dissatisfied with our handling of a complaint or the outcome you may make an
application to the Australian Information Commissioner or the Privacy
Commissioner in your State or Territory
Overseas Transfer of
We will not
transfer your personal information to an overseas recipient unless we have your
consent or we are required to do so by law.
direct any queries, complaints, requests for access to records to: