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If you require any assistance with your application, please contact our accounts department on 1800 683 622
CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
Zip Industries Pty Ltd - Privacy Policy This statement sets out the current Privacy Policy of Zip Heaters (Aust) Pty Ltd ACN 000 578 727 (“Zip”) and all its subsidiary companies or related companies (collectively referred to as the “Zip Group”) and explains how the Zip Group complies with the National Privacy Principles and the Privacy Act 1998. The Zip Group is a globally-orientated manufacturer of instant boiling water heaters throughout the world. In the process of running a business the Zip Group handles personal information relating to its business and individual clients. 1. Privacy Officer A Privacy Officer will be appointed by the Board of Zip from time to time to oversee the practices set out in this Policy. The Privacy Officer at the date of this document is Mr Dennis Knighton. 2. Collection of Personal information The Zip Group collects information from several sources. Zip collects information on individual clients and on employees and service providers. Most of Zip Group’s relationships are with business clients, however Zip does transact business with individuals. Zip’s client records will often include limited information about individuals who are our key client contacts. Our records about these client contacts will generally include contact details, job description, and information about their interest in our products and services. We also hold information about our employees and service providers. This information is generally limited to normal human resources information such as job applicant details, pay and superannuation records and other internal administrative information. The Zip Group also sometimes collects personal information from other organisations. In particular, Zip sometimes obtains contact lists that it uses for promotions relating to its business products and services. 3. Use and Disclosure of Information Personal information collected from individuals, or from other third parties about individuals, should only be used or disclosed for the express purpose for which it was collected or a purpose directly related to that purpose in respect of which the individual may reasonably expect the personal information to be used. If an employee or agent of Zip is in doubt as to whether the intended use of personal information falls within the above permitted scope, the express consent of the individual concerned must be obtained. In the event that an employee or agent of Zip considers that disclosure of the personal information is warranted as falling within one of the following circumstances: (a) to lessen or prevent a serious and imminent threat to an individual’s life, health or safety, or a serious threat to public health or public safety; (b) he or she has reason to suspect that unlawful activity is or may be engaged in; (c) the disclosure is warranted by law; (d) the disclosure is reasonably necessary for the prevention, detection, investigation, prosecution or punishment of breaches of the law, or for the protection of public revenue, by an enforcement body; the Privacy Officer should be contacted immediately, before disclosure of the relevant personal information. In the event that the Privacy Officer is satisfied that such personal information should be disclosed, the Privacy Officer shall make the relevant disclosure and must keep detailed written notes of the circumstances of the disclosure. 4. Service Providers Zip uses a range of service providers to help it maximise the quality and efficiency of its services and its business operations. This means that individuals and organisations outside of the Zip Group will sometimes have access to personal information held by the Zip Group and may use it on behalf of the Zip Group or a member of the Zip Group. We require our service providers to adhere to strict privacy guidelines and not to use this information for any unauthorised purposes. 5. Marketing Communications Like most businesses, marketing is important to the Zip Group’s continued success. We believe we have a unique range of products and services that we provide to customers at a high standard. It is a priority for us to inform people about how we can help them. We therefore like to stay in touch with clients and let them know about new products and services, as well as using contact lists to promote these products and services. When a customer or prospective customer provides personal information to a member of the Zip Group, we will ask the customer to choose as to whether or not they wish to receive further information about special offers, promotions, and other parts of our business. We shall also send promotional information to other people who are not regular Zip Group clients to introduce them to our business. If a person indicates to us that they do not wish to receive this information, we will not send further communications to them. Individuals are always welcome to accept or decline communications from Zip. At any time a person may opt-out of receiving communications. If an individual is receiving unwelcome promotional information about the Zip Group, he or she may remove his or her name from our list by contacting our Privacy Officer by writing to 67 Allingham Street, Condell Park New South Wales 2200 or calling (02) 9796 3100 and asking to be removed from our mailing list. Please allow 28 days for this request to be processed. 6. Data Quality When personal information is collected from an individual directly, it may be assumed that the personal information given by them is accurate, complete and up-to-date. However, if personal information is collected from a third party regarding an individual, the person supplying the personal information should be asked whether such personal information is accurate, complete and up-to-date. 7. Data Security Information must be protected against misuse, loss and unauthorised access, modification or disclosure. The procedures to be followed in order to protect such information are: (a) Any password provided to a person for purposes of accessing such information on the Zip Group network or internet must be kept confidential at all times. (b) Hard copies of documents containing personal or sensitive information must be kept in secure files created for this purpose. (c) All hard copy or electronic copy documents containing personal information which are no longer required for the purpose for which such information was collected, or for any directly associated purpose or other purpose permitted in accordance with section 3 above, must be destroyed or deleted in full (as relevant unless it needs to keep it for legal reasons). If an individual wishes to have his or her personal information deleted, he or she is entitled to let us know and we will take all reasonable steps to delete it unless we need to keep it for legal reasons. Occasionally, information that a person requests to be removed will be retained in certain files in order to resolve disputes or for auditing purposes. In addition, information is never completely removed from our database as due to technical and legal constraints, including stored “back-up” systems. 8. Openness This Policy must be made available to any person who requests it. Such persons may be directed to the Zip website at www.zipheaters.com.au ,which displays a copy of this Policy under the Tab reading ” Privacy Policy”. Alternatively, a copy may be posted or emailed. When providing a copy of this Policy, care must be taken to provide the most up to date Policy available, as changes may be made to this document as required from time to time. A written memorandum of supply of this Policy is to be kept by the Privacy Officer, recording the date of supply, the date on the version supplied and to whom the Policy was supplied to. 9. Access and Correction The Privacy Act sets out the rights that an individual has to see any personal information that the Zip Group may have concerning him or her. If an individual would like to: · see his or her personal information; · change any inaccurate or out of date personal information; · have his or her personal information deleted, they should contact us by writing to our Privacy Officer at 67 Allingham Street, Condell Park New South Wales 2200 or calling (02) 9796 3100. Our file of an individual’s information will be made available to an individual within 14 days. In some cases we may need to impose a charge for providing access to personal information to reflect the cost of finding this information and providing it to an individual. 10. Identifiers No number assigned to an individual as an identifier by any organisation (for example - a tax file number or any other unique identifying number or sequence) shall be collected, used or disclosed by Zip unless such collection, use or disclosure is necessary to allow Zip to fulfill its obligations to that individual or regarding that individual. 11. Anonymity Individuals are to have the option, wherever practicable, of whether or not to identify themselves when dealing with Zip, however where any of the Zip forms require the completion of a name then such name must be collected in order to complete the form satisfactorily. 12. Transborder Dataflows Notwithstanding the guidelines set out in point 3 above, no person is to provide personal information regarding an individual to any person not located in Australia without first consulting the Privacy Officer. The Privacy Officer will then assess whether or not there is cause for such disclosure having regard to the provisions of the Privacy Act. 13. Sensitive Information The Privacy Act sets out separate rules for the collection of sensitive information, as opposed to personal information. No person is permitted to collect sensitive information regarding an individual unless that individual consents to the collection, or the collection of such information is required by law, or to prevent or lessen a serious and imminent threat to the life or health of any individual. In the event that an individual considers that disclosure of sensitive information is warranted, the Privacy Officer should be contacted immediately, before disclosure of the relevant sensitive information. In the event that the Privacy Officer is satisfied that such sensitive information should be disclosed, the Privacy Officer shall make the relevant disclosure and must keep detailed written notes of the circumstances of the disclosure. 14. Application of the Privacy Act to Personal Information already collected by Zip The new privacy regime that commenced on 21 December 2001 requires Zip to comply with all ten of the National Privacy Principles whenever Zip collects, uses and discloses personal information from that date onwards. However some principles apply to all information Zip holds, regardless of whether Zip collected it before 21 December. In short: · Zip must keep all personal information accurate and up to date, to the extent that it is using it · Zip must keep all of personal information secure · Zip must allow an individual access to all of the personal information about them which is in use · Zip must explain its practices relating to all of the information which it has about individuals. What parts of the Privacy Act do not apply to information which Zip has already collected? The Privacy Act requirements about how Zip collects, how Zip uses and to whom Zip discloses information do not apply to information which was collected before 21 December 2001. In other words, Zip does not have to go back to a person to check whether it is OK to keep information about them on its systems, and Zip can continue to use it the way Zip always has. However, if Zip is updating an old record because Zip has ongoing information about the customer, then in effect their record becomes “new” information, collected after 21 December 2001, whenever Zip is updating it. This means that the new provisions of the Privacy Act will apply to that information. Which parts of the Privacy Act apply to the information we already have? The standards required by the Privacy Act with respect to the quality and management of the stored personal information often apply regardless of when the information was collected. The specific privacy principles that can apply are as follows: · Quality: Zip must take reasonable steps to ensure that any personal information Zip uses or discloses is accurate, complete and up-to-date. This does not mean that Zip needs to take active steps to ensure personal information such as postal addresses or phone numbers have not changed. Rather, it means that Zip is obliged to ensure that the information Zip stores does not contain errors or omissions that Zip has identified or which have been notified to Zip. · Security: Zip must ensure that all information is protected from misuse, loss, and unauthorised access, modification and disclosure. This includes taking reasonable steps to destroy or permanently de-identify information which is no longer needed for any purpose. This involves looking at how Zip stores personal information, whether Zip needs to retain or whether Zip should destroy it, and what security measures are in place. · Access and correction: Zip is obliged to provide individuals with access to their personal information if it is in use, even if collected before December 2001. This includes an obligation to correct that information where the individual can demonstrate that the information is erroneous. This obligation does not extend to information which is not in use. Zip does not have to provide access in all circumstances, and Zip is not obliged to provide access to information where it would place unreasonable administrative burdens on the organisation or cause it unreasonable expense.