CREDIT INFORMATION PRIVACY POLICY

Deluxe Brands Pty Limited ABN: 38637091251 (referred to as “Deluxe Brands”, “we”, “our” and “us”) is committed to protecting your privacy and personal information, including your credit information.  Your credit information is personal information and the provisions of this Policy apply to your credit information. 

References to Deluxe Brands in this Policy includes Deluxe Brands and its related companies.  This Policy should be read in conjunction with our Privacy Policy which can be seen here. 

1.       Application of this Policy

This Policy applies to credit-related personal information collected by Deluxe Brands. Deluxe Brands is governed by the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) where you are an Australian user, or the Information Privacy Principles contained in the Privacy Act 1993 where you are a New Zealand user (both referred to as “Privacy Act”).

Deluxe Brands will review this Policy regularly and may update it from time to time. If we make changes, we will post those changes to this website. You should periodically view this page to review the current terms of this Policy.

2.       Collection and use of credit-related personal information

2.1     Collection

Deluxe Brands collects credit-related personal information about you in connection with any credit application made by you or on behalf of your business to trade with Deluxe Brands. 

In addition to personal information referred to in our Privacy Policy, Deluxe Brands may collect the following credit-related personal information from you, your authorised officers, any guarantors, your accountant, the trade referees nominated by you, credit reporting bodies and credit providers, our service providers and publicly available sources:

(a)          details of the assets, income, expenditure and liabilities of the applicant for credit including any proposed guarantors;

(b)          records of any credit provider asking a credit reporting body for information about you in relation to any credit application, including the type and amount of credit applied for;

(c)          details included in any application for credit made by you to Deluxe Brands or any other credit provider;

(d)          the type of credit, characteristics, amount, duration and other terms of credit that may or has been provided to you by Deluxe Brands or any other credit provider;

(e)                  details of payment information in relation to any credit provided to you;

(f)                    details of any serious credit infringement;

(g)          information regarding any court proceedings related to your credit, personal insolvency information and any other credit-related publicly available information relating to you;

(h)          credit ratings, scores, evaluations, summaries and other information derived by Deluxe Brands or any credit-reporting body; and

(i)            to assist us, our service provider or suppliers to investigate or prevent any potential, suspected or actual breaches of law or fraudulent activities.

2.2       Consent to collection and use of credit-related personal information

By applying for credit with Deluxe Brands, you are consenting to the collection and use of your credit-related personal information in accordance with this Policy.

2.4       Use and disclosure of credit-related personal information

Deluxe Brands may use your credit-related personal information in accordance with this Policy, our Privacy Policy and as permitted by applicable law.  Deluxe Brands may also use and disclose credit-related personal information about you as follows:

(a)          to determine whether to provide credit terms to you or the entity you represent, and if so the terms on which credit will be provided;

(b)          to determine whether to accept you as a guarantor for any entity you represent in any application for credit;

(c)           to make assessments regarding the ongoing credit-worthiness of you or the entity you represent regarding the provision or review of credit by Deluxe Brands and the terms of any credit provided;

(d)          to provide information to credit-reporting bodies in certain circumstances, including where you consent or where you or the entity you represent have committed a serious credit infringement;

(e)          to deal with credit infringements including debt recovery proceedings and enforcement relating to you, the entity you represent and any guarantors;

(f)            where permitted, to assist other credit providers to do any of the above.

Credit-reporting bodies are permitted by law to handle credit-related personal information.  If Deluxe Brands provides your credit information to any credit-reporting body, that credit-reporting body may use that credit information to provide reports to other credit providers assessing your credit-worthiness. 

If information is provided to credit-reporting bodies that may reflect adversely on your credit-worthiness, this may result in difficulties with obtaining other credit, or refusal of credit applications made by you or the entity you represent to other credit providers.

3. Cross-border disclosure of credit-related personal information (Australian ` Users)

Some of Deluxe Brands’ third party contractors, suppliers and distributors may be located overseas or perform services overseas and as a result your credit-related personal information may be disclosed to a third party in a foreign country.  We may also provide your credit-related personal information to related companies of Deluxe Brands that are located overseas.

We may use a server hosted overseas to store data including your credit-related personal information. Under the Privacy Act, we must take reasonable steps, before personal information is disclosed to an overseas recipient, to ensure that the overseas recipient does not breach Australian privacy laws in relation to that information (“the Obligation”).

The Obligation does not apply if you consent to disclosure of your personal information to an overseas recipient.

By supplying credit-related personal information to us you consent to the disclosure of your credit-related personal information to an overseas recipient and agree that the Obligation does not apply.

 

4.       Accessing your credit-related personal information

You have the right under applicable Australian or New Zealand privacy laws to request access to credit-related personal information that is held by Deluxe Brands about you.

You also have the right to request the correction of any of your credit-related personal information that Deluxe Brands holds. Deluxe Brands will take reasonable steps to make appropriate corrections to credit-related personal information so that it is accurate, complete and up-to-date.

To seek access to, or correction of, your credit-related personal information please contact Deluxe Brands as follows:

By email:

privacy@deluxebrands.com.au.

By mail:

Unit 14 / 48 Sir Thomas Mitchell Road

BONDI BEACH  NSW  2026, Australia

Attention: Privacy Officer.

5. Storage and protection of your credit-related personal information

Deluxe Brands has implemented appropriate physical, electronic and managerial security procedures in order to protect credit-related personal information from loss, misuse, alteration or destruction. Deluxe Brands regularly reviews security and encryption technologies and will strive to protect information to the fullest extent possible.

Due to the nature of the internet, Deluxe Brands cannot give any warranties as to the security of any credit-related personal information transmitted by you to Deluxe Brands over the internet, or that credit-related personal information will not be accessed by unauthorised persons.

We encourage you to be vigilant about the protection of your own credit-related personal information when using any digital services.

6. Data breaches

In the event of a data breach likely to cause serious harm involving personal information of Australian users, we will notify you in accordance with our Notifiable Data Breaches scheme obligations under Part IIIC of the Privacy Act.