Types of information collected and held
“Personal information” about you is information or an opinion about you or which is reasonably identifiable as you, whether or not the information or opinion is true and whether or not the information is recorded in a material form.
“Credit related information” is information that identifies you such as your name, date of birth, sex, current or past addresses, current and past employer or driver’s licence number, consumer credit liability information about you such as the credit provider, the type of consumer credit, the terms and maximum amount of credit of any consumer credit contract and the date of termination of any consumer contract, repayment history information, information requests made by a credit provider, mortgage insurer or trade insurer, the type and amount of credit sought in an application in connection with which the credit provider has made an information request, default information, payment information, new arrangement information with respect to the original consumer credit contract, court proceedings in relation to any credit provided to or applied by you, personal insolvency information such as bankruptcy, publicly available information about your credit worthiness or opinion by a credit provider that you have committed a serious credit infringement in relation to consumer credit.
The types of personal information and credit related information that we collect and hold include:
How we collect and hold information
In general, we collect your personal information that you voluntarily and knowingly provide during your dealings with us, including when:
We may collect some of your personal information and credit related information from third parties, such as trade associations that we are members of, for example the Traffic Management Association of Australia, your commercial creditors or credit reporting organisations or agencies
We hold such information in hard copy files and electronic files. However, where your personal information is no longer necessary for any of the purposes for which we collected your personal information, we take reasonable steps to destroy the information or ensure that the information is permanently de-identified (subject to any other legal obligations we have to retain the information).
We take reasonable steps to ensure that all such information is kept secure in accordance with reasonable physical, electronic, and managerial procedures. However, for information collected online or stored in electronic databases, you acknowledge that no security system is impenetrable and that the security of those databases can never be guaranteed. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any information which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmission, we will take reasonable steps to preserve the security of such information and we ensure that there are various security protections in place.
Purposes for which we collect, hold, use and disclose personal information and credit related information
We collect, hold, use and disclose personal information and credit related information only for the purpose (primary purpose) for which it is provided to us, which may include (as applicable):
We will not use or disclose your personal information for any secondary purpose, unless you consent to that use or disclosure; or you would reasonably expect the use or disclosure in the circumstances, and that secondary purpose is related to the primary purpose for which we have collected that information.
We may disclose your personal information or credit related information to third party service providers or affiliates within or outside of Australia who work on behalf of or with us to provide some of our administrative and other services relating to the purposes for which we collect that information. We require such service providers to promise not to use such information except as necessary to provide the services to us.
We may also use or disclose your personal information or credit related information if required or authorised by law or a court/tribunal order.
Access to and correction of Information
We will take reasonable steps to ensure any personal information we collect is up-to-date, complete and accurate. We will also take reasonable steps to ensure that any personal information that we use or disclose is up-to-date, complete, accurate and relevant.
You may request access to your personal information or credit related information that we hold, and you may seek the correction of such information by contacting our Privacy Officer on 02 9607 5774, at email@example.com or Unit 2, 42-44 Whyalla Place, Prestons NSW 2170. We may charge you a small fee to cover any administrative costs that we incur in providing you with access to your personal information or for correcting your personal information.
Complaints about a privacy breach
If you believe that we have breached the APPs, Part IIIA Division 3 of the Privacy Act 1988 (Cth) or the Privacy (Credit Reporting) Code 2014, you may direct your complaint to our Privacy Officer at one of the contact points set out above. Our Privacy Officer will review your complaint and liaise with you directly to resolve your complaint.
If you do not consider our response satisfactory, you may contact the Australian Privacy Commissioner at its website www.oaic.gov.au or by telephone on 1300 363 992.