1. Introduction
Hampidjan Pty Ltd ACN 604 344 872 and Hampidjan Australia Pty Ltd ACN 169 888 733 as trustee for the Hampidjan Australia Unit Trust ABN 28 600 110 661 (referred to in this policy as Hampidjan, we, our or us) are committed to protecting the privacy and security of personal information and credit-related information.
This Credit Reporting Policy explains how we collect, use, store and disclose credit-related information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Privacy (Credit Reporting) Code.
This policy should be read together with our Privacy Policy, available at www.hampidjan.com.au or upon request.
2. Collection of Credit-Related Information
Types of information collected
Where you apply for credit or seek trading terms from us, we may collect information relating to your identity, financial position and credit history.
The types of information we may collect include:
- – Identification and contact details;
- – Information relating to credit applications or account arrangements;
- – Payment and account history;
- – Details regarding credit worthiness;
- – Commercial credit information; and
- – Other credit-related information permitted under the Privacy Act.
We may also collect:
- – Credit information — information that may be disclosed to a credit reporting body;
- – Credit eligibility information — information provided to us by a credit reporting body; and
- – Information derived from credit reporting information, such as credit scores or risk assessments.
In this policy, these categories are collectively referred to as credit-related information.
How information is collected
We generally collect credit-related information directly from you when you:
- – Submit a credit application;
- – Request trading terms;
- – Purchase goods or services on account; or
- – Communicate with us regarding your account.
Information may also be collected from:
- – Authorised representatives acting on your behalf;
- – Referees or trade references;
- – Related entities;
- – Publicly available sources; and
- – Credit reporting bodies such as Equifax Australia, Creditor Watch, NCI, Illion or Experian.
3. Purpose of Collection, Use and Disclosure
We collect, hold and use credit-related information for purposes including:
- – Assessing applications for credit or trading terms;
- – Managing customer accounts and payment arrangements;
- – Reviewing ongoing credit worthiness;
- – Debt recovery and account administration;
- – Internal reporting and risk management; and
- – Complying with legal and regulatory obligations.
We may disclose credit-related information to:
- – Credit reporting bodies;
- – Debt collection agencies;
- – Professional advisers including accountants, auditors and legal advisers;
- – Related entities within the Hampidjan group;
- – Service providers assisting with account management or financial administration; and
- – Government authorities or other parties where required or authorised by law.
4. Overseas Disclosure
In certain circumstances, credit-related information may be disclosed to our related entities or parent company located in Iceland for financial reporting, administration and related business purposes.
We take reasonable steps to ensure that any overseas recipient handles personal and credit-related information in a manner consistent with Australian privacy laws.
5. Access to Credit-Related Information
You may request access to the credit-related information we hold about you by contacting us in writing.
We will respond to access requests within a reasonable period and, where required under applicable law, within 30 days unless unusual circumstances apply.
We may refuse access in circumstances permitted by the Privacy Act. If access is refused, we will provide written reasons unless it would be unreasonable to do so and advise you of available complaint mechanisms.
We may charge a reasonable administrative fee for providing access to information, however no fee will be charged for making the request itself.
6. Correction of Information
If you believe that any credit-related information we hold is inaccurate, incomplete, out of date, irrelevant or misleading, you may request that we correct it.
Where we agree that correction is required, we will take reasonable steps to update the information within a reasonable timeframe and notify you once the correction has been made.
If we are unable to resolve your correction request within the required timeframe, we will notify you in writing and advise you of available complaint options.
7. Complaints
If you have a complaint regarding the handling of your credit-related information, please contact us using the details below.
We will acknowledge your complaint within a reasonable period and investigate the matter promptly. We aim to provide a response within 30 days unless a longer period is reasonably required.
Contact Details
Address: 55 Telford Circuit, Yatala QLD 4207
Email: [email protected]
Phone: 07 5525 5555
8. Statement of Notifiable Matters
Under the Privacy (Credit Reporting) Code, we are required to notify you of certain matters when collecting information likely to be disclosed to a credit reporting body.
These matters include:
- – that we may disclose credit information to a credit reporting body;
- – that a credit reporting body may include that information in reports provided to other credit providers;
- – that we may disclose information regarding serious credit infringements where permitted by law;
- – that you may request access to or correction of credit-related information held by us;
- – that you may make a complaint regarding our handling of your information;
- – that you may request a credit reporting body not to use your information for direct marketing pre-screening purposes; and
- – that you may request a credit reporting body not to use or disclose your information if you believe you are, or may become, a victim of fraud.
Information about how credit reporting bodies manage credit-related information can be obtained from their website.
You may request a copy of this Credit Reporting Policy at any time by contacting us or visiting www.hampidjan.com.au.
Please click here to view our Privacy Policy.