The meaning of any general language is not restricted by any accompanying example and the words ‘includes’, ‘including’, ‘such as’, ‘for example’ or similar words are not words of limitation.
To provide you with our Services, we need to collect Personal Information. If we do not collect the Personal Information or if any of the information you provide is incomplete or inaccurate, we may not be able to provide the Services or those Services may be compromised and we may not be able to comply with our obligations or assess any job application you make to us.
What information do we collect?
Depending on the nature of our relationship with you, the Personal Information we collect may include your name, email address, telephone numbers and address, credit reference information, bank and credit card details (including expiry dates), insurance policy details
We may also collect Sensitive Information, for example, if you advise us that you have a disability.
If you apply online for a position with us, we will collect Personal Information from your resume, accompanying application documentation and during any other parts of the recruitment process.
The Personal Information you provide when you apply for a job with us will be used to consider your application for employment and to verify the information you provide (including contacting any referees). If you are successful, the information you provide (including Personal Information) will form part of your employment records.
CCTV and other imaging
For security purposes, we have CCTV cameras at our premises and your image may be recorded. By entering our premises, you consent to us recording your image.
Recording telephone calls
We record all in-coming and out-going telephone conversations which may include Personal Information. If you do not want your call recorded or at any time you wish us to cease recording the conversation, please tell the person to whom you are speaking.
We aim to collect Personal Information directly from you. However, we may also collect Personal Information:
If at any time you supply Personal Information to us about any other person, you represent and we accept that information solely on the basis that you are authorised to do so and that the relevant person has consented to the disclosure to us.
How do we use your Personal Information?
We use the Personal Information we collect:
Disclosing Personal Information to third parties
We may disclose your Personal Information to third parties in certain circumstances including:
We do not disclose Sensitive Information about you unless you agree or, in the circumstances of disclosure, you would reasonably expect us to make the disclosure.
This section applies if you apply for credit from us or you are a director or guarantor of an entity or person seeking credit (creditor).
Credit Reporting Bodies
To the extent allowed by law, we may and you authorise us to collect, use and disclose information in respect to any credit we provide to you or an entity which you are guaranteeing, including to a Credit Reporting Body (CRB). This includes Personal Information required to enable the CRB to provide us with a consumer credit report to assist us in assessing your credit worthiness, payment or default information, information about fraud or any other serious credit infringement, information about adverse court judgments or insolvency.
If you or the creditor defaults in the payment of any monies owed to us, you authorise us to provide Personal Information to the CRB and to obtain an up to date consumer credit report on you.
The information given to the CRB may include:
Other credit providers
You also agree and authorise us to exchange information about you with other credit providers named in a consumer credit report issued by a CRB for the following purposes:
You understand and agree that the information exchanged includes anything about your credit worthiness, credit standing, credit history or credit capacity, subject to the restrictions imposed on credit providers under the Privacy Act.
You agree that personal credit information provided may be used and retained by us for the following purposes (and for other purposes as agreed between us or as required or authorised by law from time to time):
We may use and disclose your Personal Information (other than Sensitive Information) to provide you with information on offers, products and Services offered us or by our Associated Third Parties. We do not use Sensitive Information for marketing purposes.
If at any time you no longer wish to receive any additional marketing or survey material from us or do not want your information disclosed for direct marketing or survey purposes, contact our Privacy Officer and we will remove your details from our marketing database.
We may store our records utilising the facilities of third party cloud suppliers. These facilities may be located in countries other than Australia. If you have any queries about our use of cloud services, please contact our Privacy Officer.
While privacy rules are in place to protect your Personal Information, an overseas recipient may not be subject to privacy obligations or to any principles similar to the APPs. The overseas recipient may also be subject to a foreign law that could compel disclosure of Personal Information to a third party, for example, an overseas authority.
If you consent to the disclosure and the overseas recipient handles the information in breach of the APPs, you will not be able to seek redress under the Privacy Act, may not be able to seek redress in the overseas jurisdiction and we will not be accountable under the Privacy Act.
By providing us with Personal Information, you consent to us using and disclosing your Personal Information offshore. If at any time you wish to withdraw your consent, contact our Privacy Officer. However, depending on the circumstances, this may mean we may not be able to provide the Services you have requested in whole or in part.
When the Personal Information that we collect is no longer required, including telephone recordings, we will remove or de-identify the Personal Information. We may, however, retain Personal Information, including telephone recordings, for as long as is necessary to comply with any applicable law, for the prevention of fraud, for insurance and governance purposes, in our IT back-up, for the collection of any monies owed and to resolve disputes.
The steps we take to protect your Personal Information include electronic and physical security measures, implementing information security policies and procedures, staff training and use of password protection software.
While we take active steps to protect Personal Information we hold from misuse, loss, unauthorised access, modification or disclosure, you should be aware that no system is completely secure against cyber attack.
In addition, the open nature of the Internet is such that information exchanged via the Internet may be accessed and used by people other than those for whom the data is intended. Any information you send us, including (without limitation) Personal Information, is sent at your own risk.
You should contact us immediately if you believe that someone has gained access to your Personal Information or you consider that we have breached our privacy obligations to you in any way.
We require accurate, up to date information, to enable us to supply you with products and Services. If any of the Personal Information you have provided to us changes or you find that any of the information is inaccurate, please provide us with the details so we can update our records.
You may request access to your Personal Information by contacting our Privacy Officer. For security purposes we may ask you to provide us with evidence of your identify before we make any disclosure.
The APPs outline circumstances under which we may deny access to some or all of your Personal Information. In such cases, we will give written reasons for our decision except to the extent that it would be unreasonable to do so.
You should contact our Privacy Officer if:
Our Privacy Officer’s contact details are:
We will respond to your query within 30 days.
If we do not satisfactorily resolve your complaint, you may access an external dispute resolution service or apply to the Office of the Australian Information Commissioner (OAIC). More information about your rights and our obligations in respect to privacy and information on making a privacy complaint are available from the OAIC at: