The Credit Corp Group of Companies comprises Credit Corp Group Limited and its subsidiaries (“Credit Corp”). We are committed to ensuring that the privacy of your personal information is respected and maintained at all times. We are bound by the Privacy Act 1988 (“Act”), the Australian Privacy Principles (“APP”), the Credit Reporting Privacy Code (“CR Code”) as well as other applicable laws and codes.
We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. This Privacy and Credit Reporting Policy outlines how we manage your personal information (including credit information) and how we maintain, use and disclose that information. It also provides you with information about how you can access your personal information.
What is personal information?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:
The types of personal information that Credit Corp collects typically includes your:
Other types of personal information that Credit Corp collects relates to credit information, including credit eligibility information. This typically includes:
How does Credit Corp collect personal information?
Credit Corp collects personal information from various sources. This may include collecting personal information from:
Protecting your personal information
We are committed to ensuring the security of your personal information. We store information in both hard copy and electronic form. We protect your personal information from misuse, loss, unauthorised access, modification and disclosure. The steps that we take to protect your personal information include:
Why is personal information collected by Credit Corp?
Credit Corp collects personal information that is reasonably necessary for one or more of its functions or activities. We collect personal information about you so that we can:
In certain circumstances, we may also collect sensitive information about you. Sensitive information has a particular meaning under the Act and includes health information. However, we only collect and use sensitive information with your consent and where we are legally authorised to do so.
Unless you otherwise consent or we are otherwise permitted to do so by law, personal information will only be used for the purpose for which it was collected (“the primary purpose”) or for a purpose related, or in the case of sensitive information directly related, to the primary purpose (“the secondary purpose”).
The main consequences of us not collecting personal information are an inability or delay in being able to identify you, contact you or provide services to you.
We do not use your tax file number, pension number, drivers licence number, Australian Business Number, Medicare number or any other government related identifier as an account number or as our own identifier for you. However, we may ask you for one of these identifiers to prove your identity when you deal with us.
Disclosure of personal information
Credit Corp only discloses personal information as authorised or required by law. This may involve disclosing such information to:
Disclosure to credit reporting bodies
Credit Corp may also disclose certain credit related personal information to credit reporting bodies. For example, if you fail to meet repayment obligations or commit a serious credit infringement, we may be entitled to disclose this to a credit reporting body. When such information is disclosed to a credit reporting body, the credit reporting body may include such information in reports provided to credit providers to assist them in assessing your credit worthiness. We disclose information to the following credit reporting bodies:
Veda Advantage Information Services and Solutions Limited
Phone: 1300 850 211
Mail: Veda Information Services & Solutions Ltd
PO Box 964
North Sydney NSW 2059
Dun and Bradstreet (Australia) Pty Ltd
Tel: 1300 734 806
Experian Australia Credit Services Pty Ltd
Phone: 1300 784 134
Mail: PO Box 1969
North Sydney NSW 2060
You have the right to request the above credit reporting bodies not to:
Does Credit Corp provide information to overseas entities?
If you relocate overseas, we may disclose personal information to our overseas agents that operate in the particular country to which you have relocated. We may also disclose personal information to entities or branches which are part of the Credit Corp Group of Companies which are located overseas including within the Philippines.
Access to personal information
You have the right to request access to any personal information (including credit information) that we hold about you and for such information to be corrected. You can make a request for access to your personal information by contacting email@example.com.
In some circumstances, we may refuse to provide you with access to your personal information. These circumstances include where:
In the event that we refuse to provide you with access to your personal information, we will provide you with an explanation for that refusal. Depending on the complexity of the information and/or the request, we will respond to any request for access within 30 days.
You will not be charged a fee for making a request to access your personal information. However, depending on the type of request, a fee may apply and be charged for providing the information to you. The fee covers the cost to us in collating, copying and providing certain information to you.
We will endeavour to provide the requested information as promptly and inexpensively as possible. Following receipt of your request, we will let you know if a fee applies and if so, the amount. Any applicable fee will most likely be required to be paid prior to us providing documents or information to you. Information about how any applicable fee is calculated will be provided following receipt of your request.
Credit Corp will take reasonable steps to ensure that your personal information is accurate, complete and up to date. This allows us to provide quality services to you. If you believe the information we hold about you is incorrect please write to us at the address listed below.
You may obtain more information about the way Credit Corp manages your personal information and about access to and correction of your personal information by applying in writing to:
Credit Corp Group Limited
GPO Box 4475
Sydney NSW 2001
Further information on privacy in Australia may also be obtained by visiting the website of the Office of the Australian Information Commissioner at www.oaic.gov.au.
Making a complaint
Credit Corp Group Limited
Telephone 1300 768 621
We will endeavour to deal with your complaint as soon as is reasonably practicable. If we are unable to satisfactorily resolve your complaint, it may be referred to a recognised external dispute resolution scheme of which Credit Corp is a member. Credit Corp is currently a member of the dispute resolution scheme of Credit and Investments Ombudsman (CIO) which is approved by the Office of the Australian Information Commissioner and the Australian Securities and Investments Commission. CIO provides an impartial dispute resolution service which is free to consumers and can be contacted at www.cio.org.au or on 1800 138 422.
You can also contact the Office of the Australian Information Commissioner by visiting the following website and following the steps listed on the website: www.oaic.gov.au/privacy/privacy-complaints