statement of notifiable matters

About this statement

This statement sets out information about credit reporting. It is relevant to you if you are applying to Larnec for credit. In this statement, credit related information includes but is not limited to the following information about you:

• information that we may disclose to a credit reporting body;
• information that we obtain from credit reporting bodies; and
• information that we derive from such information, for example, a credit score.

Information in our privacy policy

Our privacy policy is available at www.larnec.com.au/privacy-policy and sets out how we handle your credit-related information, including:

• why we collect credit-related personal information;
• the types of credit-related personal information that we may collect and hold about you;
• how you may seek the correction of your credit-related information;
• how you may complain about our failure to comply with our credit reporting obligations under the Privacy Act 1988 (Cth) (“Privacy Act”) and/ or the Credit Reporting Privacy Code (“CR Code”); and
• how we deal with complaints.

Disclosure of credit-related personal information to credit reporting bodies

We may disclose credit-related personal information about you in connection with an application for credit. The credit reporting bodies (“CRBs”) we deal with are not limited to Equifax Australia, Illion Australia, Experian Australia and Creditor Watch. Contact details for each, and details about how you can obtain each CRB’s privacy policy, are set out below.

Equifax Australia Information Services and Solutions Pty Ltd
Mail: Customer Relations, Equifax, PO Box 964, North Sydney, NSW, 2059
Email: SubscriberAssist.au@equifax.com
Phone: 13 83 32
Privacy Policy: Available at www.mycreditfile.com.au.

Illion Australia Pty Ltd
Mail: Illion Public Access Centre, Illion, PO Box 7405,St Kilda Rd VIC 3004

Email: pac.austral@illion.com.au
Phone: 1300 734 806
Privacy Policy: Available at www.checkyourcredit.com.au.

Experian Australia Credit Services Pty Ltd
Mail: Privacy Manager, Experian Australia, PO Box 1969, North Sydney, NSW, 2060
Email: creditreport@au.experian.com.au
Phone: 1300 783 684
Privacy Policy: Available at www.experian.com.au.

Creditor Watch Pty Ltd
Mail: Privacy Officer, Creditor Watch, PO Box 276, Sydney, NSW, 2001
Email: Support@CreditorWatch.com.au
Phone: 1800 738 524
Privacy Policy: Available at www.creditorwatch.com.au.

‍Your rights in relation to credit-related information

Under the Privacy Act and the CR Code, you have certain rights in relation to credit-related information we hold about you, including:

• the right to access and correct the credit-related personal information that we hold about you;
• the right to make a complaint about our handling of credit-related personal information;
• the right to tell CRBs not to use your credit reporting information to determine your eligibility to receive marketing from credit providers; and
• the right ask a CRB  to put a ban on using or disclosing your credit reporting information if you think you have been, or are likely to be, a victim of fraud.

Other matters

If you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled under the Privacy Act to disclose this to a credit reporting body. Any such report by us may affect your ability in the future to be able to obtain further credit. Further details of how each credit reporting body with which we deal with handles default information we provide them can be obtained on their websites – see links above.