Sci-Fleet Motors Pty Ltd Credit Reporting Policy - Last updated 05/08/15
The purpose of this Credit Reporting Policy is to set out how Sci-Fleet Motors Pty Ltd ACN 057 783 749 (Company, we or us) manage your credit information and credit eligibility information (credit related information), including information that we obtain from credit reporting bodies (CRBs).
This policy applies in addition to our Privacy Policy. We recommend that you read this Credit Reporting Policy in conjunction with our Privacy Policy which can be accessed at www.scifleet.com.au or by calling us on (07) 3720 7058.
- identification information about you including your current and prior names and addresses, any known alias you may have, your date of birth, your current or last known employer and your driver’s licence number;
- details of credit (including the name of each relevant credit provider) that you have applied for, the type and amount of that credit and the fact that a credit provider, mortgage insurer or trade insurer has sought information about you from a CRB in relation to an application;
- consumer credit liability information, being details of consumer credit that you have or had including the credit provider, the type of consumer credit, the day on which it was entered into, terms or conditions that relate to the repayment of the amount of consumer credit, the maximum amount of credit available and the day on which the consumer credit is terminated or otherwise ceases;
- default information, which includes details of payments (over $150) more than 60 days overdue in relation to consumer credit which you, as borrower or guarantor, have failed to make;
- payment information, which includes details of the date on which you have paid overdue amounts that were previously recorded as default information with a CRB;
- whether in another credit provider’s opinion you have committed a serious credit infringement;
- whether in another credit provider’s opinion you have committed a serious credit infringement;
- new arrangement information which includes a statement that the terms or conditions of your consumer credit (in relation to which default information or a serious credit infringement has been disclosed to a CRB) have been varied or that you have been provided with new consumer credit;
- court proceedings information, which includes information about a judgement against you in proceedings that relate to any credit that has been provided to, or applied for, by you;
- personal insolvency information;
- certain publicly available information;
- scores and other information relating to your credit worthiness which is derived by CRBs wholly or partly on the basis of the information above;
- certain administrative information, such as account numbers.
How do we collect credit related information?
We may collect credit related information about you from:
- you or persons acting on your behalf (including by completing an application form, via the internet, by email or over the phone)
- your nominated representatives (e.g. accountant, power of attorney, brokers and other professional advisors)
- other credit providers
- credit reporting bodies, and
- other publicly available sources.
How do we hold credit related information?
We hold your credit related information in paper form and/ or in digital or computer or audio records.
We take all reasonable steps to protect your information from misuse, interference or loss and from unauthorised access, modification or disclosure. We maintain strict standards and security procedures to prevent unauthorised access to information about you whether it is in an electronic or paper format, and to ensure the correct use of this information.
Steps taken to secure credit related information include:
- external and internal premises security
- restricted access to staff who need the credit related information to perform their day to day functions
- conducting training to ensure that staff are aware that they must only access, use and disclose credit related information for appropriate purposes
- maintaining technology products to prevent unauthorised computer access, including identifiers and passwords, security software, and firewalls.
Why do we collect, hold, use and disclose credit related information?
We may collect, hold, use and disclose your credit related information as reasonably necessary for our business purposes and as permitted by law.
We may collect, hold, use and disclose credit related information for the purpose of:
- assessing whether to provide you, or an entity associated with you, with credit or to accept you as a guarantor
- establishing and managing the relationship with you
- exercising our rights and obligations
- performing any administrative operations
- collecting payments and other enforcement activities
- to participate in the credit reporting system and provide information to a CRB as permitted by Part IIIA of the Privacy Act and the Credit Reporting Code
- to meet legal and regulatory requirements
- to protect you and us from fraud, and
- to respond to any queries or complaints you may have.
Some credit related information may only be used or disclosed under the Privacy Act for some of these purposes or in some circumstances.
When do we disclose your credit related information?
We may also disclose credit related information about you with other credit providers listed in your application or in reports provided by a CRB. We may disclose that information for the purposes of:
- assessing whether to provide you, or an entity associated with you, with credit or to accept you as a guarantor
- notifying other credit providers of a default by you
- ascertaining the status of credit provided to you by us where you are in default with other credit providers
- assessing your credit worthiness, credit standing or credit capacity, and
- responding to any queries or complaints you may have.
We may, as permitted by law, disclose your credit related information to other third parties, including our related companies; organisations that perform credit processing functions, management and debt collection activities on our behalf; organisations involved in debt assignment.
Our third party service providers may store or access your credit-related information overseas, including in the, USA, United Kingdom, Japan and Sweden.
Exchange of credit information with CRBs
We may obtain or disclose credit related information about you from or to a CRB for the purposes of:
- assessing whether to provide you, or an entity associated with you, with credit or to accept you as a guarantor;
- collecting overdue payments relating to commercial credit;
- reporting details of any fraud, or
- another purpose permitted or required by the Privacy Act.
We use the credit reporting services provided by Veda Advantage Information Solutions and Services Ltd (Veda). Veda may include the information provided by us to other credit providers in its reports to assist in an assessment of credit worthiness. Veda may use the credit reporting information it holds about you for "pre-screening" for direct marketing. You have the right to request Veda not use the credit reporting information for pre-screening purposes, and not to use or disclose the information if you believe on reasonable grounds that you have been or are likely to be a victim of fraud. Please refer to Veda's Credit Reporting Policy for details on its management of credit reporting information. A copy of that policy can be obtained at www.mycreditfile.com.au or by contacting Veda as follows:
Veda Advantage
Veda – Applicant Relations
PO Box 964
North Sydney NSW 2058
1300 762 207
corrections@veda.com.au
How you may access your credit related information and seek its correction
You are generally entitled under the Privacy Act to access the credit related information we hold about you (in a manner you request, if this is reasonable and practicable). You may contact us using the details below. If we cannot provide access to your information, we will provide you with the reasons why. If you are not satisfied with our response you may make a complaint to the Privacy Commissioner.
Depending on the nature of the request, we may charge for providing access to this information, however such charge will not be excessive.
If the information we holds about you is inaccurate, incomplete or not up to date you may request that we correct the information by contacting us:
By email: privacy@scifleet.com.au
By post: PO Box 52, Lutwyche, QLD 4030
By phone: (07) 3720 7058
We will normally resolve correction requests within 30 days of your making a request.
If we need more time to resolve your request we will notify you as to the delay, the reasons for it and seek your written agreement to a longer period. You may refer the matter to the Privacy Commissioner if you wish to complain about the delay.
If we consider it necessary in order to deal with your request, we may consult with a CRB or another credit provider.
If we do not correct the information we will give you a written notice setting out why we have not made the correction. If you are not satisfied with our response you may make a complaint to the Privacy Commissioner.
There is no cost involved for you to make a correction request or for the correction of your information.
It would assist us to ensure we properly understand your request, and allow us to respond more promptly, if requests are made in writing and include as much detail as possible.
How to make a complaint and how complaints will be handled
If you believe that we have not complied with our obligations under Part IIIA of the Privacy Act or the Credit Reporting Privacy Code, you have a right to complain. In the first instance, please contact us using the details above.
It would assist us to ensure we properly understand your complaint, and allow us to respond more promptly, if complaints are made in writing and include as much detail as possible.
We will deal with any complaint in a timely, effective and consistent manner. We will acknowledge the receipt of your complaint within 7 days, and endeavour to make a decision on the complaint within 30 days after it is received. If we need more time to resolve your complaint, then we will notify you as to the delay.
If you feel that we have not satisfactorily addressed your complaint, you may also make a complaint to the Office of the Australian Information Commissioner by visiting www.oaic.gov.au or by writing to GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601.
Updates to this Policy
We may from time to time, update this Credit Reporting Policy including to take into account new laws, regulations, changes in our business and technology. All the credit related information we hold will be governed by our most recent Credit Reporting Policy located at www.scifleet.com.au. We encourage you to check this page from time to time for any changes.
If you have any questions or comments about this policy, then please contact us.