Credit Reporting Policy
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CareerOne Credit Reporting Policy
Last updated: 11 April 2014
Table of Contents:
- What information do we collect?
- How do we use and disclose your information?
- How do we protect your information?
- How can you access your information?
- Other important information for you
- How you can contact us
- List of included companies
CareerOne Pty Limited (“Company” or “we”) wants you to be familiar with how we collect and use credit information from and about you. You obtain credit from us when we agree to defer or suspend a payment for our goods or services. By obtaining credit from us, you agree to the terms and conditions of this Credit Reporting Policy.
This Credit Reporting Policy describes our practices in connection with information we collect and hold about individuals when providing credit as described below:
- information we collect and hold about individuals who are directors of a company, when providing commercial credit to that company;
- information we collect and hold about individuals who provide a personal guarantee to us in relation to the debt of a company to us; and
- information we collect and hold about individuals who are obtaining that credit for their own business purposes.
Company collects personal information about you when you apply for and/or obtain credit from us. That information is referred to as "credit information" in this policy. Credit Information includes information that identifies you, such as your name, postal address, email address and date of birth and any other information which you provide directly to us including (where provided) your driver’s licence number. It also includes information about your credit arrangement with us, including the amount of the payment you have deferred, when you are required to make repayments and information about whether you have met your obligations to repay your credit or satisfy your guarantee.
In relation to commercial credit, we may obtain credit reports in relation to individuals for the purposes of assessing credit applications from those persons or companies of which they are a director, and also to assess whether to accept a guarantee from an individual.
We use the information we collect from and about you for account management and administrative purposes. For example, we may use credit information we hold about you to identify whether you are overdue in making a payment and to take steps to obtain that payment from you. We may also use credit information to determine whether to provide you with credit when you make any subsequent application for credit. If you choose not to provide certain personal information to us, we may not be able to provide you with the goods or services you require.
For commercial credit we may also use credit information we hold about you to obtain additional information from credit reporting bodies and to determine whether to provide you or the company of which you are a director with credit, and if so how much credit and on what terms. We may also report defaults in payment terms or guarantee commitments in relation to commercial credit to credit reporting bodies. We may also disclose a debtor’s collected information to any guarantor of the debtor’s obligations to us. We currently work with Veda Advantage Ltd as a credit reporting body for all these purposes. As at the date of this policy, you can contact Veda on: Veda Advantage, Veda - Customer Resolutions, PO Box 964, North Sydney NSW 2059. Phone: 1300 762 207 or email: firstname.lastname@example.org. Veda's current contact details at any time can be found at: http://www.veda.com.au/contact-us.
We may also share the information we have collected about you with our related companies listed in section 8 below so that they can use the information for these same purposes when you or the company of which you are a director seeks credit arrangements with them.
We may de-identify the information we collect about you so that we can use and disclose it without using or revealing any personal information about you.
We use the information we collect from and about you for these additional purposes:
To allow service providers to assist us in and managing your account. Company may make your information available to certain third party service providers, such as providers of data cloud services, website hosting service providers, and debt collection, to help us provide goods or services to you or provide Company with related services. These third parties may be located in a range of different countries including the United Kingdom, United States of America and Singapore. Company generally requires these service and content providers to comply with relevant privacy laws and not to use personal information which Company provides for any purpose other than the specific service they are providing to you and/or Company.
To complete a merger or sale of assets. If Company sells all or part of its business or makes a sale or transfer of its assets or is otherwise involved in a merger or transfer of all or a material part of its business, Company may transfer or disclose your information to the party or parties involved in the transaction as part of that transaction and as part of any due diligence processes which take place in contemplation of a potential transaction.
We do not disclose your credit information to any credit reporting bodies.
Company uses commercially reasonable administrative, technical, personnel and physical measures to safeguard information in its possession against loss, theft and unauthorized use, disclosure or modification. However, no one can guarantee the complete safety of your information.
If you would like to access, review, correct or update your personal information, you may contact us as outlined in section 7 of this policy. In your request, please include your email address, name, address, and telephone number and specify clearly what information you would like to access, review, correct or update. We will need to share your information with others who can assist in responding to your request. We will try to respond to your request as soon as reasonably practicable. If we deny access in any circumstances we will generally tell you why.
Updates to Credit Reporting Policy. Company may modify this Credit Reporting Policy at any time. Please look at the Last Updated date at the top of this Credit Reporting Policy to see when this Credit Reporting Policy was last revised. Any changes to this Credit Reporting Policy will become effective when we provide the revised Credit Reporting Policy to you.
Location of Data. Some of the technology used to provide you with goods or services are hosted in and managed outside of Australia and in dealing with Company, you consent to having any personal information accessible from or transmitted outside of Australia.
Data Retention. We will retain your information for the period necessary to fulfill the purposes outlined in this Credit Reporting Policy unless a longer retention period is required or allowed by law.
Complaint. If you think we have breached the Privacy Act 1988 (Cth) (including Part IIIA, Division 3),other applicable privacy laws or the registered Credit Reporting Privacy Code , you may complain to us by contacting us as outlined in section 7 below. When you contact us, please include your email address, name, address, and telephone number and clearly describe your complaint. We will need to share your information with others who can assist in responding to your complaint. We will respond to your complaint as soon as reasonably practicable and in any event within 5 business days, by making contact with you to inform you whether we have accepted your complaint, need further information or do not think we are in breach. We will also let you know the next steps in resolving your complaint. If you are not satisfied with our response to your complaint, or at any time, you may refer your complaint to the Office of the Australian Information Commissioner (www.oaic.gov.au).
If you have questions about this Credit Reporting Policy, please contact our Privacy Officer at: email@example.com
Mail: Privacy Officer, Careerone Pty Limited, Level 11 418A Elizabeth Street, Surry Hills, NSW 2010
Telephone: 1800 555 010
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