Green Light is bound by Part IIIA of the Privacy Act 1988 (Cth) (Privacy Act) and the Privacy (Credit Reporting) Code (CR Code), which govern credit reporting information in Australia.
Our Credit Reporting Policy explains how we manage:
Definitions of 'credit information' and 'credit eligibility information' are provided in the Privacy Act 1988 (Cth) (Privacy Act) and the Credit Reporting Privacy Code (CR Code), which are available on the website of the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au. Credit information and credit eligibility information is collectively referred to throughout this policy as 'credit related information'.
This Credit Reporting Policy explains:
When you apply for credit with us, throughout our relationship, and for as long as we are required under the law, we may collect and hold your credit related information. Examples of which include:
We collect credit information in a variety of ways, such as obtaining the relevant information directly from you or by persons acting on your behalf (including on application forms or other forms or in our ongoing dealings with you in connection with credit), collecting information from a CRB to assess your loan, to manage your repayment history and to administer hardship or default situations. Some credit information will also be derived by us from your transactions in connection with credit, such as when you make payments to us.
We may obtain credit reporting information about you from CRBs. Credit reporting information includes:
We may also disclose your credit information relating to your dealings with us to CRBs. Those CRBs may include that information in reports that they provide to other credit providers to assist them to assess your credit worthiness.
For example, we will provide information that identifies you and about your application for credit when obtaining credit reporting information for the purposes of assessing that application.
We disclose credit information to the following CRBs:
Equifax Pty Ltd., a wholly owned subsidiary of Equifax Inc.
Phone: 1300 850 211
Mail: PO Box 964, North Sydney NSW 2059, Australia
illion Australia Pty Ltd (Formerly Dun & Bradstreet (Australia) Pty Ltd)
Phone: 1300 734 806
Postal Address: PO Box 7405, St Kilda Rd VIC 3004, Australia
Experian Asia Pacific Pty Ltd
Phone: 1300 783 684
Postal Address: Level 20, 101 Miller Street,
North Sydney, NSW 2060
These CRBs are each required to have a policy which explains how they will manage your credit-related personal information. If you would like to read the policies of these CRBs please click the website links provided above.
You have the right to request (without cost) that these CRBs to exclude your credit reporting information from any permissible direct marketing activities that a credit provider may request them to perform.
You also have the right to request CRBs not to use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, you suspect someone is using your identity details to apply for credit). You must contact the CRBs directly should this be the case.
We may use credit reporting information that we have obtained from a CRB to derive other information that assists us in assessing your creditworthiness, for example, to form a credit risk rating, credit scores, or eligibility to be provided with consumer credit.
We understand the importance of protecting the personal information we hold, including credit information and credit eligibility information. We take reasonable steps to ensure that this information is free from misuse, interference, loss, unauthorised access or modification. Examples of these steps include:
We may collect, hold, use and disclose credit related information about you for purposes reasonably necessary for our business activities and consistently with the requirements in the Privacy Act as permitted by law. These purposes include:
Restrictions apply under the Privacy Act in relation to the circumstances and purposes for which such information may be used or disclosed and we comply with these restrictions. For example, credit eligibility information may not be disclosed to some types of overseas entities and restrictions apply on the use of credit eligibility information for direct marketing.
We may share your credit related information with related companies, and other organisations to help us provide credit. These other organisations may include, insurers, credit reporting bodies or system operators. We may also use third party service providers.
One or more of these third parties may be located overseas. Using their services may require us to disclose your credit related information to overseas recipients.
Whilst it is not practicable to list every country in which such recipients are likely to be located, it is likely that the countries to which your credit information or credit eligibility information may be disclosed include: Singapore, Ireland and Hong Kong.
You may request us to provide you with access to the credit related information which we hold about you by contacting us on the details listed below at 'Contact Us'.
We will need to verify your identity before giving you access to your credit related information. We will usually provide the information requested within 30 days of receiving your request.
In certain situations, we may not agree to a request for access of credit related information that we hold about you. If this occurs we will advise you in writing of our decision, and of our reason(s) for not agreeing to the access request.
There is no charge to make a request for access request.
We aim to hold accurate and up-to-date credit related information about you at all times. If you consider that any such information we hold about you is incorrect in any way, you may ask us to correct that information.
To seek such a correction, please contact us using the details listed below at 'Contact Us'.
If we do not agree to a request to correct information we hold about you, we will advise you in writing of our decision, and of our reason(s) for not agreeing to the correction request.
If you believe that we have failed to comply with the credit reporting requirements in Division 3, Part IIIA of the Privacy Act or the Credit Reporting Privacy Code, please contact our Internal Dispute Resolution (IDR) team by phone on (08) 9413 0093, by email at firstname.lastname@example.org, or by mail at PO Box Z5263, St George’s Terrace, Perth WA 6831.
We will aim to investigate and resolve your complaint as quickly as possible, and will provide you with a confirmation of receipt within 3 days, and a written response within 21 days. Sometimes we may ask for further information to assist us with the investigation. If we are unable to resolve the complaint within the 21 days from the initial complaint, we will:
All complaints will be processed at no charge to you.
If you are unhappy with our IDR response, you may contact our external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA is a free service, and may be contacted by phone on 1800 931 678, email at email@example.com, or by post at GPO Box 3, Melbourne, Victoria 3001.
You may also refer the matter to the OAIC at:
Phone: 1300 363 992
Mail: The Office of the Australian Information Commissioner, GPO Box 2999, Canberra ACT 2601 Australia
If you would like a free copy of this Credit Reporting Policy, have questions, or would like to make a request, our contact details follow.
Phone: 1300 081 488
Mail: PO Box Z5263, St George’s Terrace, Perth WA 6831
This Credit Reporting Policy was last updated on 09/07/2019 and is subject to change. Please check our website for the latest version.
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