Larnec Pty Ltd ACN 114 605 006 (“we”, “us”, “our”) is committed to protecting your privacy and is committed to complying with the Australian Privacy Principles (“APPs”) and credit reporting provisions set out in the Privacy Act 1988 (Cth) (“Privacy Act”) and any other relevant privacy law or regulation.
When we refer to personal information, we mean information or an opinion, whether true or not and whether recorded in material form or not, about an individual who is identified or reasonably identifiable from such information or opinion.
We collect personal information directly and indirectly from you. We collect information from third parties, including credit reporting bodies and other credit providers (details set out in our “credit-related personal information” section below). The types of personal information we may collect from you depends on the type of dealing you have with us. Examples of personal information we may collect includes:
We collect and hold your personal information to help us run our business and serve you better including to:
Sensitive information is a subset of personal information that is afforded greater protection under the Privacy Act. ‘Sensitive information’ includes any information about your racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or union, sexual preferences or practices, criminal record, or health information.
We do not collect sensitive information, however, if you elect to provide unsolicited sensitive information, we may use it if it is reasonably necessary to perform our functions or activities (or if otherwise permitted by law).
When you use the Services, we may automatically collect information about your use of our Services, which is not personal as it does not reveal your identity. For example, when you use our Services, our server log may download your search queries, internet protocol address, hardware settings, browser type, browser language, the date and time of your request and referral uniform resource locators that identify your browser. We may use and disclose this information in anonymised and aggregated form, only for purposes including to assist us to improve the functionality of our Services. You are not individually identified. However, we reserve the right to use or disclose this information in the unlikely event of a data breach, or an investigation where a law enforcement agency or other government agency may exercise its legal authority to inspect our internet web server logs.
We hold your personal information in electronic form, and we may also use cloud storage to store your personal information. Your personal information may be sent overseas, for example, to be transferred to a service provider in the United States of America. Where we use a service provider that hosts personal information in other countries, we take steps that are reasonable in the circumstances to ensure that the service provider does not breach the APPs.
We may disclose your personal information internally and we may also disclose your personal information to the following external parties:
Provision of credit
We may provide you with credit within the meaning of the Privacy Act to our customers in connection with the supply of our products and services (for example, if we bill you after supplying products or services to your business). If we share credit-related personal information about you with credit reporting bodies (“CRBs”) or other participants in the credit reporting system (including other credit providers), we are required to comply with the credit reporting provisions in Part IIIA of the Privacy Act and the Credit Reporting Privacy Code (“CR Code”).
Why we collect credit-related information
We collect, hold, use and disclose credit-related personal information for the purposes permitted by the Privacy Act and the CR Code, including:
The credit-related personal information we collect
How we collect and hold credit-related personal information
We collect credit-related personal information from you (directly or through the operation of your account with us), from CRBs and other credit providers and from other third parties where this is permitted under Part IIIA of the Privacy Act. We may also generate the information ourselves, through our own analyses.
The information will be held by us on our customer database, in physical and/or electronic form located in Australia.
Who we disclose credit-related personal information to
We may disclose credit-related personal information to third parties for the purposes outlined above, including to:
CRBs may include the information we provide them in reports provided to other credit providers, to assist them in assessing your credit-worthiness.
The CRBs we use
Equifax Australia Information Services and Solutions Pty Ltd
Mail: Customer Relations, Equifax, PO Box 964, North Sydney, NSW, 2059
Phone: 13 83 32
Illion Australia Pty Ltd
Mail: Illion Public Access Centre, Illion, PO Box 7405,St Kilda Rd VIC 3004
Phone: 1300 734 806
Experian Australia Credit Services Pty Ltd
Mail: Privacy Manager, Experian Australia, PO Box 1969, North Sydney, NSW, 2060
Phone: 1300 783 684
Creditor Watch Pty Ltd
Mail: Privacy Officer, Creditor Watch, PO Box 276, Sydney, NSW, 2001
Phone: 1800 738 524
Your rights in relation to CRBs
Pre-screening for direct marketing – Credit providers can ask CRBs to use your credit reporting information to “pre-screen” marketing lists for the credit provider. You can tell CRBs not to use your credit reporting information for this purpose by contacting them (details above).
Victims of fraud – If you think you have been, or are likely to be, a victim of fraud (including identity fraud), you can contact the CRB (details above) and ask them to put a ban on using or disclosing your credit reporting information.
Access and correction of credit eligibility information
You have the right to access and correct the credit-related personal information that we hold about you. If you wish to make an access or correction request, please refer to our “access and correction” section below.
Complaints about credit-related personal information
If you have a complaint about our handling of credit-related personal information, please refer to our “complaints” section below.
We will retain your personal information for as long as you are a user of the Services. We may retain your personal information after you stop being a user of the Services to comply with our legal obligations or if retention is advisable considering our legal position for recordkeeping purposes (such as, for statutes of limitations or litigation investigations). We will continue to take reasonable steps to safeguard your personal information for as long as we hold it. If we no longer need to use your personal information for the purposes set out in this policy, we will take reasonable steps to destroy or permanently alter your personal information so that your identity cannot, by any reasonable means, be revealed from the information that we hold about you.
If we have an existing relationship with you, or if you have subscribed to our mailing list, we may use your personal information to provide you with current information about products and services that may be of interest to you. If you do not wish to receive marketing information, you may at any time decline to receive such information by writing to us at email@example.com or you may also use the opt-out or unsubscribe option provided in the marketing information you receive from us.
You have the right to ask us to update or correct any personal information we hold about you (including credit-reporting personal information). We will generally rely on you to ensure the information we hold about you is accurate or complete. You may also access personal information that we hold about you by contacting our Privacy Officer (whose details are set out in the “how to contact us” section below). We may require you to verify your identity before processing any access or correction requests. We will acknowledge your request within 14 days and respond to your request within 30 days. We may charge you a reasonable fee to cover our reasonable costs of locating the information and providing it to you.
If you are concerned that your personal information has been mishandled, you first need to complain to us. Please send your complaint in writing to our Privacy Officer (whose details are set out in the “how to contact us” section below).
Complaints process - APPs
We will acknowledge your request within 14 days and respond to your request within 30 days.
Complaints process – credit-related personal information
We will provide you with a written notice acknowledging your complaint and explaining how we will deal with it within 7 days after the complaint is made. We will then investigate the complaint, consult any CRB or other credit providers if we consider it necessary and provide you with a written notice of our decision within 30 days (or longer if you agree).
If you are not satisfied
If you are not satisfied with our response, you can refer your complaint to the Office of the Australian Information Commissioner who may investigate your complaint further.
If you have any queries about the personal information that we hold about you or the way we handle that personal information, please contact our Privacy Officer:
Dione Wood, Privacy Officer
Mail: 1 Shepherd Road, Swan Hill 3585
Telephone: (03) 8383 7703
Further general information about privacy is available on the website of the Office of the Australian Information Commissioner.