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This policy also includes information about your rights in relation to credit-related information, including access and correction, and what can happen if we provide information about you to a credit reporting body (CRB).
We respect your rights to privacy under the Privacy Act 1988 (Cth) (Act) and we comply with all of the Act’s requirements in respect of the collection, management, and disclosure of your personal information.
In this policy, “credit-related information” means credit information, credit eligibility information and credit provider (CP) derived information as those terms are defined in the Act.
We may collect the following types of personal information:
We may collect the following types of credit-related information:
If you apply for credit with Brickworks or any of its related bodies corporate, then we may also obtain information from credit reference bureau’s including Building Trade Credit Bureau, Accrex, NSW Corporate Credit, and Building Industry Credit Bureau and other credit providers or from your nominated trade references regarding your creditworthiness.
If we obtain credit-related information about you from a CRB, we may derive information from it that has a bearing on your credit-worthiness or could be used in establishing your eligibility for consumer credit. This may include information such as credit scores and assessments which we generate from the information that we receive.
If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information and has authorised you to provide it for the purposes for which it is being collected.
We may also collect some information that is not personal information because it does not identify you or anyone else. For example, we may collect anonymous answers to surveys or aggregated information about how users use our website.
We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect in ways including:
We may also collect personal information from third parties, such as customer nominated trade references, credit reporting agencies, law enforcement agencies and other government entities.
We are also required to collect information in accordance with the following laws:
the National Consumer Credit Protection Act 2009 (Cth), which requires us to make inquiries about you when assessing an application for credit made by you; and the Personal Property Securities Act 2009 (Cth), under which we may need to collect personal information about you to record a security interest on the Personal Property Securities Register.
We may log IP addresses (that is, the electronic addresses of computers connected to the internet) to analyse trends, administer the website, track users movements, and gather broad demographic information.
If you do not provide us with the personal information described above, some or all of the following may happen:
We collect personal information about you so that we can perform our business activities and functions and to provide best possible quality of customer service.
We collect, hold, use and disclose your personal information for the following purposes:
to conduct business processing functions including providing personal information to our related bodies corporate, contractors, service providers or other third parties;
for the administrative, marketing (including direct marketing), planning, product or service development, quality control and research purposes of Brickworks Limited, its related bodies corporate, contractors or service providers;
We collect, hold, use and disclose your credit-related information for the following purposes:
We may disclose your personal information to:
We may combine or share any information that we collect from you with information collected by any of our related bodies corporate (within Australia).
If we disclose your credit information to a CRB:
The CRB may include the information in reports provided to credit providers to assist them to assess your credit worthiness; and
If you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to the CRB.
“Brickworks” may share your personal information with other parties who play an important role in helping us run our business and provide products and services to you. These include our suppliers, agents, partners and contractors. Your information is mainly used for the distribution of email campaigns, surveys and events. Brickworks and its third parties maintains your data in compliance with Australia’s SPAM ACT 2003 and Australian Privacy Provisions. All data is maintained within Australia and in some cases, we share your information with organisations that may be based outside Australia. We take steps to ensure that they meet the same privacy requirements we place on ourselves. Your data is governed by Australian jurisdiction and where stipulated data is encrypted in transit. We use a combination of technical solutions, security controls and internal processes to help us protect your personal information from unauthorised access and disclosure. We’re constantly updating our security measures. You have the right to request a copy of the personal information we hold about you or request us to delete it permanently.