The purpose of this policy is to clearly express an up to date policy about our company’s management of personal information.
This policy is intended to enhance the transparency of our company’s operations, notify you of your rights and our obligations and provide information regarding:
We acknowledge that we must take reasonable steps when handling personal information and manage any regulated information in a transparent way.
We will endeavour to follow this policy on each occasion.
Our company has taken reasonable steps to endeavour to comply with the APPs and the Act, some examples are noted below.
It is our usual practice to collect personal information directly from either our clients or directly from the subject individual or their authorised representative(s).
Personal information means information or an opinion (including information or an opinion forming part of a database), whether true or not, and whether or not recorded in a material form, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
Some examples of some personal information we might collect are:
You may choose to interact with us using a pseudonym and/or not identify yourself.
In circumstances where we are required to do so, or are authorised by law, a court or tribunal to ask for your identification, we will request your personal information.
Further it is likely that it will be impractical for us to interact with you without some form of identification, and therefore we will request identification details from you at the beginning of each transaction.
For example we will not be able to open a trade credit insurance account or debt collection recovery account without obtaining identification details.
We only collect and hold personal information by lawful and fair means.
In some circumstances, we may collect and hold personal information that has been collected from a third party or publicly available source. This will likely occur in instances where:
We will take steps to hold personal information in a manner which is secure and protected from unauthorised access.
Your information may be held in either a psychical form or in electronic form on our IT system.
We will take steps to protect the information against the modification, disclosure or misuse by including such things as physical restrictions, password protection for accessing electronic IT systems.
We will also endeavour to ensure that our service providers have protection for electronic IT systems and other necessary restrictions.
We will endeavour to ensure our staff are trained with respect to the security of the personal information we hold and we will restrict any access where necessary.
We will endeavour to destroy and de-identify the personal information once it is no longer required.
In the event we hold personal information that is unsolicited and we were not permitted to collect it, the personal information will be destroyed as soon as practicable.
We will endeavour to only collect and hold personal information which is relevant to the operation of our company.
Our purpose for collecting or holding personal information about you is so that it may be used directly for our functions or activities.
We may use your personal information for the functions or activities of our company to:
We may also collect personal information (including sensitive information) for both the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.
We may also collect personal information from other credit providers, Credit Reporting Body (CRB) and any other third parties for the purposes of our functions and activities including, but not limited to, credit, sales, marketing and administration.
We will endeavour to only use and disclose personal information for the primary purposes noted above in relation to the functions or activities of our company.
In addition we may also use and disclose personal information (including sensitive information) for both the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.
Unless one or more of the below scenarios has occurred, we will take necessary steps to prevent personal information from being given to government agencies or other organisations.
Further we will endeavour to only disclose personal information for the purpose in which it was collected, unless disclosure is reasonably necessary to:
We will take steps not to disclose personal information for direct marketing purposes unless consent has been provided.
In any event you will be provided with an opt out option with respect to direct marketing should you wish to be excluded from direct marketing.
We will record this information on our opt out register.
We will endeavour not to use or disclose a government related identifier unless:
Disclosure to CRB’s
We may disclose personal information to a CRB in accordance with the permitted disclosures as defined under the Act.
We may disclose your Credit Information to the following CRB’s listed below.
Level 15, 100 Arthur Street
NORTH SYDNEY NSW 2060
Tel: 1300 921 621
Level 13, 109 Pitt Street
SYDNEY NSW 2000
Tel: 1300 501 312
Level 6, 549 St Kilda Road
MELBOURNE VIC 3004
Tel: 03 9699 0100
Dun & Bradstreet
143 Coronation Drive
MILTON QLD 4064
Tel: 07 3360 0600
A copy of the credit reporting policy for the CRB’s listed above will be available on their website or will be provided in hard copy upon request.
You are entitled to access your personal information held in our possession.
We will endeavour to respond to your request for personal information within a reasonable time period or as soon as practicable in a manner as requested by you. We will normally respond within 30 days.
You can make a request for access by sending an email or letter addressed to our Privacy Officer, details specified below.
The Privacy Officer
NCI Credit Insurance (Brokers) Pty Ltd
Level 2, 165 Grenfell Street, Adelaide, South Australia, 5000
08 8228 4800
With any request that is made we will need to authenticate your identity to ensure the correct person is requesting the information.
We will not charge you for making the request, however if reasonable we may charge you with the costs associated with your request.
You will only be granted access to your personal information where we are permitted or required by law to grant access. We are unable to provide you with access that is unlawful.
Further we are not required to and will not, give access to personal information to the extent that:
If we refuse access to the information, written notice will be provided to you setting out:
Should we hold personal information and it is inaccurate, out of date, incomplete, irrelevant or misleading, or incorrect you have the right to make us aware of this fact and request that it be corrected.
If you would like to make a request to correct your information please contact our Privacy Officer on the details above.
In assessing your request we need to be satisfied that the information is inaccurate, out of date, incomplete, irrelevant or misleading. We will then take all reasonable steps to ensure that it is accurate, up to date, complete and not misleading.
It is our normal policy to resolve any correction requests within 30 days. If we require further time we will notify you in writing and seek your consent.
Should we refuse to correct your personal information written notice will be provided to you setting out:
We will endeavour to notify any relevant third parties of the correct personal information where necessary and required.
In the event that you wish to make a complaint about a failure of us to comply with our obligations in relation to the Act or the APP’s please raise this with our Privacy Officer on the contact details above.
We will provide you with a receipt of acknowledgment as soon as practicable.
We will then endeavour to respond to your complaint and attempt to resolve the issues within 30 days.
In dealing with your complaint we may need to consult another credit provider or third party.
If we fail to deal with your complaint in a manner that you feel is appropriate you may choose to report your complaint to an external dispute resolution scheme (EDR Scheme).
We note that we are currently not a member of any EDR Scheme.
If you are not satisfied with the process of making a complaint to our Privacy Officer you may make a complaint to the Information Commissioner. Details of which are below.
Office of the Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001
Telephone: 1300 363 992
Facsimile: 02 9284 9666
The Information Commissioner can decline to investigate a complaint on a number of grounds including:
If you have any queries regarding our credit reporting policy or wish to find out more regarding any of privacy policies, please contact our Privacy Officer on the details list above.
We may choose to, if permitted by law, share and/or disclose your personal information with recipients outside of Australia.
We are required to notify you with a list of any countries which personal information may be transmitted to, or disclosed where it is practical for us to do so.
At this point in time, we may share and/or disclose personal information to overseas in countries including New Zealand, Singapore and United Kingdom.
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