DLL collects and processes personal data relating to individuals, including but not limited to our customers and suppliers. The privacy and the protection of personal data is important to DLL. This Privacy Statement outlines in a transparent manner how we collect and use personal data and meet our data protection obligations.
For questions related to this Statement or the processing of personal data in general, please contact us via: privacy-ANZ@dllgroup.com
December 20, 2020
Important Information – Credit Reporting
The following statements set out important information about credit reporting that you should know.
We may disclose your personal information in connection with your credit-related dealings with us to the following credit reporting bodies.
Equifax Australia Information Services and Solutions Pty Limited
Website: www.equifax.com.au
Postal address: PO Box 964, North Sydney, NSW 2059
illion Australia Pty Ltd
Website: www.checkyourcredit.com.au
Postal address: PO Box 7405, St Kilda Road, Melbourne, VIC 3004
Those credit reporting bodies may include that information in reports that they provide to credit providers to assist them to assess your credit worthiness.
If you fail to meet your payment obligations to us in relation to consumer credit, or if you commit a serious credit infringement, we may be entitled to disclose this information to credit reporting bodies.
You may request that a credit reporting body:
- not to use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider; or
- not to use or disclose credit reporting information about you, if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
Any such request should be addressed to the credit reporting body directly.
Set out below is our Credit Reporting Policy which sets out how we manage credit-related personal information that we hold. As detailed in the Credit Reporting Policy, you may request to access or correct personal information that we hold about you.
CREDIT REPORTING POLICY
We are bound by Part IIIA of the Privacy Act 1988 (Cth) (Act) and the Privacy (Credit Reporting) Code 2014 (Code), which govern credit reporting in Australia. This Credit Reporting Policy sets out how we manage your credit information and credit eligibility information and applies to any individual in relation to whom we hold credit information or credit eligibility information. For information about how we manage other personal information about you, please see our Privacy Policy.
Kind of credit-related personal information collected
The kinds of credit information that we collect and hold include:
- identification information (such as name, address, date of birth, etc);
- a statement that an information request about you has been made with a credit reporting body.
- consumer credit liability information about you, including the credit provider, the type of credit, the date, terms and amount of credit and the date of termination of any consumer credit contract;
- repayment history information about you in relation to consume credit, including whether repayment obligations are met, the day on which payment is due and paid;
- the type and amount of credit sought in an application for credit made by you in connection with which we made an information request;
- default information about you in relation to payments owed by you as either borrower or guarantor in connection with consumer credit that remains overdue for at least 60 days and any other default information reporting to a credit reporting body;
- payment information about you that an overdue payment in relation to which default information was provided to a credit reporting body has been paid;
- new arrangement information about you that the terms and conditions of the original consumer credit has been varied or that new consumer credit has been provided;
- court proceeding information about Australian court judgments against you relating to any credit provided to, or applied for, by you;
- personal insolvency information such as bankruptcy and other insolvency information recorded on the National Personal Insolvency Index
- publicly available information about your activities in Australia or the external territories and your credit worthiness; and
- opinion by a credit provider that you have committed a series credit infringement in relation to consumer credit.
The kinds of credit eligibility information that we hold are:
- credit reporting information obtained from credit reporting bodies which includes credit information listed above (generally in relation to your dealings with other credit providers) and credit worthiness information about you that credit reporting bodies derive from the information above (eg credit scores, risk ratings and other evaluations); and
- certain CP derived information about you that we derive from the credit reporting information obtained from credit reporting bodies, which includes summaries of what the credit reporting information and any credit rating or credit assessment score that we have derived relating to your credit worthiness.
Methods of collection of credit information
We collect credit information from you and third parties including from your application to us, joint credit applicants, persons acting on your behalf, other credit providers, our ongoing dealings with you, etc. Credit information may also be derived by us from your transactions with us in connection with credit.
Purpose of use and disclosure of personal information
We collect, hold, use or disclose your credit information and credit eligibility information for purposes reasonably necessary for our business and as permitted by law, which include:
- assessing applications for credit (including any guarantors);
- managing and administering the products and services that we provide;
- assisting with the management and collection of outstanding debts;
- our internal management;
- data analysis;
- participating in the credit reporting system and providing information to credit reporting bodies as permitted under the Act;
- undertaking securitisation activities and debt assignments;
- dealing with complaints and legal proceedings;
- complying with our obligations under any application legislation; and
- assisting other credit providers in circumstances permitted under the Act.
We will not use or disclose your credit eligibility information for purposes prohibited by the Act or the Code.
Disclosure to credit reporting bodies
We usually disclose your credit information and credit eligibility information to credit reporting bodies listed below, who may include such information in the reports provided to other credit providers to assist them to assess your credit worthiness. If you fail to meet your payment obligations to us or commit a serious credit infringement, we may be entitled to disclose this to credit reporting bodies.
Equifax Australia Information Services and Solutions Pty Limited
Website: www.equifax.com.au
Postal address: PO Box 964, North Sydney, NSW 2059
illion Australia Pty Ltd
Website: www.checkyourcredit.com.au
Postal address: PO Box 7405, St Kilda Road, Melbourne, VIC 3004
Personal information security
We are committed to keeping secure the data you provide us and we will take all reasonable precautions to protect your credit information and credit eligibility information from loss, misuse or alteration. Credit information and credit eligibility information held by us is protected by a number of physical and electronic safeguards including restricted access to storage areas and computer databases.
Access and correction
You may request to access credit eligibility information that we hold about you by contacting us. We recommend that such requests be detailed in writing so that we are able to better understand and respond to your request. We will endeavour to respond to your request within 30 days after receiving your request and provide you with the requested personal information in a suitable format if your request is approved. We will advise you in writing if there is any reason why we are unable to agree to a request for access to your credit eligibility information.
We may charge you reasonable costs and expenses we incur in complying with your request and providing you with the credit eligibility information requested. We will advise you of an estimate of any such fees before we act on your request.
You may also request to correct the credit information and credit eligibility information that we hold about you by contacting us if you consider any such information we hold is incorrect. We recommend that such requests be detailed in writing so that we are able to better understand and respond to your request. We will endeavour to respond to your request within 30 days after receiving your request. We will advise you in writing if there is any reason why we are unable to agree to a request for correction of your credit information or credit eligibility information.
Complaint
If you have any complaint in respect of our compliance of the requirements under Part IIIA of the Act or the Code, please contact us first and provide details of your complaint in writing. Once we have reviewed your complaint, we will advise you whether we will undertake an investigation and if so, the estimated completion date of the investigation and the contact details of the investigating officer. Once we have completed our enquiries, we will advise you in writing to advise the outcome and invite a response from you. We will consider any response received from you and advise whether we have changed our view.
If the complaint remains unresolved, you may refer the matter to the Office of the Australian Information Commissioner below:
The Office of the Australian Information Commissioner
Postal address: GPO Box 2999, Canberra ACT 2601 Australia
Phone: 1300 363 992
Fax: 02 9284 9666
Email: enquiries@oaic.gov.au
Website: www.oaic.gov.au
Contact us
You can contact us via the following methods:
- Email (privacy-ANZ@dllgroup.com);
- Telephone on 1800 259 640 between 8.30 a.m. and 5.00 p.m. Monday to Friday Sydney time, except public holidays; or
- Writing to the Privacy Officer, De Lage Landen Pty Limited, GPO Box 1540, Sydney NSW 2001.