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This policy also includes information about your rights in relation to credit-related information,including access and correction, and what can happen if we provide information about you to acredit reporting body (CRB).
We respect your rights to privacy under the Privacy Act 1988 (Cth) (Act) and we comply with all ofthe Act’s requirements in respect of the collection, management and disclosure of your personalinformation.
In this policy, “credit-related information” means credit information, credit eligibility information andcredit provider (CP) derived information as those terms are defined in the Act.
We may collect the following types of personal information:
We may collect the following types of credit-related information:
If you apply for credit with Brickworks or any of its related bodies corporate, then we may also obtain information from credit reference bureau’s including Building Trade Credit Bureau, Accrex, NSW Corporate Credit, and Building Industry Credit Bureau and other credit providers or from your nominated trade references regarding your creditworthiness.
If we obtain credit-related information about you from a CRB, we may derive information from it that has a bearing on your credit-worthiness or could be used in establishing your eligibility for consumer credit. This may include information such as credit scores and assessments which we generate from the information that we receive.
If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information and has authorised you to provide it for the purposes for which it is being collected.
We may also collect some information that is not personal information because it does not identify you or anyone else. For example, we may collect anonymous answers to surveys or aggregated information about how users use our website.
We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect in ways including:
We may also collect personal information from third parties, such as customer nominated trade references, credit reporting agencies, law enforcement agencies and other government entities.
We are also required to collect information in accordance with the following laws:
We may log IP addresses (that is, the electronic addresses of computers connected to the internet) to analyse trends, administer the website, track users movements, and gather broad demographic information.
If you do not provide us with the personal information described above, some or all of the following may happen:
We collect personal information about you so that we can perform our business activities and functions and to provide best possible quality of customer service.
We collect, hold, use and disclose your personal information for the following purposes:
We collect, hold, use and disclose your credit-related information for the following purposes:
We may disclose your personal information to:
We may combine or share any information that we collect from you with information collected by any of our related bodies corporate (within Australia).
If we disclose your credit information to a CRB:
Each CRB has a policy about the management of credit-related information. You can get a copy of the relevant CRB’s policy by contacting the relevant CRB.
Direct marketing materials
We may send you direct marketing communications and information about our products and services that we consider may be of interest to you. These communications may be sent in various forms, including mail, SMS, fax and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth). You consent to us sending you those direct marketing communications by any of those methods. If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time you may opt- out of receiving marketing communications from us by contacting us (see the details below) or by using opt-out facilities provided in the marketing communications and we will then ensure that your name is removed from our mailing list.
We do not provide your personal information to other organisations for the purposes of direct marketing.
You may request access to any personal information we hold about you at any time by contacting us (see the details below), including credit-related information that we hold about you.
Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you. We will not charge for simply making the request and will not charge for making any corrections to your personal information.
There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.
If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will add a note to the personal information stating that you disagree with it. Please ensure that our relevant procedures and systems can do this.
If you request that we correct any credit-related information about you and we cannot respond to your correction request without consulting with other credit providers or CRBs in relation to your request, we may do so and these bodies are permitted by law to assist us in resolving your correction request.
If we do correct your credit-related information at your request, we will inform you and each other credit provider and CRB to which we have previously disclosed that information that we have corrected your information. Where we disclosed your credit-related information after you made a complaint but before it was resolved, we will tell the recipient that you have made such a complaint and we will subsequently inform that entity of the outcome of your correction request.
If you believe that your privacy has been breached or that we have not complied with any of our obligations in related to your credit-related information, please contact our Privacy Officer using the contact information below and provide details of the incident so that we can investigate it.
We request that complaints about breaches of privacy be made in writing, so we can be sure about the details of the complaint. Our Privacy Officer deals with privacy complaints and any complaints should be directed to our Privacy Officer using the contact details below. We will attempt to confirm as appropriate and necessary with you your understanding of the conduct relevant to the complaint and what you expect as an outcome. We will inform you whether we will conduct an investigation, the name, title, and contact details of the investigating officer and the estimated completion date for the investigation process.
After we have completed our enquiries, we will contact you, usually in writing, to advise the outcome and invite a response to our conclusions about the complaint. If we receive a response from you, we will assess it and advise if we have changed our view.
We may disclose personal information to our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above.
We may disclose your personal information (including credit-related information) to entities located outside of Australia, including our data hosting and other IT service providers, located in Australia, the USA or Singapore who may store data in these countries.
We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
You are entitled to:
We take reasonable steps to ensure your personal information is protected from misuse and loss and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form. Personal information is destroyed or de-identified when no longer needed.
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.
Our website may contain links to other websites operated by third parties. We make no representations or warranties in relation to the privacy practices of any third party website and we are not responsible for the privacy policies or the content of any third party website. Third party websites are responsible for informing you about their own privacy practices.
We will treat your requests or complaints confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in timely and appropriate manner.
Please contact the Privacy Officer at: