PRIVACY POLICY

We have created a privacy policy in accordance with the Privacy Act 1988 (Cth) to demonstrate our firm commitment to privacy and the protection of your Personal Information. The following policy describes how our Company and its related entities (“we”, “our” or “us”) handle your Personal Information.

Our obligations or permitted handling of Personal Information under privacy laws is not limited by this privacy policy. For example, the Privacy Act allows us to rely on certain exemptions, including in relation to employee records.

 

1. Collecting your Personal Information

a) Personal Information we may collect

“Personal Information” is information which identifies you as an individual. We collect both current and historical Personal Information including but not limited to:

• Name, contact and address details

• Identification (e.g. driver’s licence or passport you provide to us)

• Organisational affiliations

• Positions held

• Forms submitted

• Payment details

• Enquiry or complaint details

• Details of any injury or safety incident on any of our sites

• Results of drug and alcohol testing at our sites

• GPS tracking at our sites and between our sites (if any)

• Details of any gift or entertainment provided to you

b) How we may collect Personal Information

The Company collects Personal Information in different ways:

• From you directly when you contact, communicate and/or transact with us (in person, by phone, in store, by correspondence including email, online engagement, or events)

• From third parties including public sources, service providers, affiliated entities, and legally acquired information lists

• Through video and audio surveillance devices on our premises for security, safety, training and dispute resolution purposes

c) How we may use your Personal Information

Your information may be used for purposes relevant to our relationship with you and the conduct of our business, including:

• Administering products and services and fulfilling orders

• Informing you about products or services that may interest you

• Improving our business, products, services and customer experience

• Market research and marketing activities

• Responding to enquiries, requests and applications

• Collecting monies due and managing claims

• Managing our relationship with you

• Injury and safety management

• Protecting our lawful interests

Without this information we may be unable to deliver services, provide credit, communicate effectively, or improve our offerings.

If you do not wish to receive marketing communications, you may notify us and we will remove you from our marketing database.

d) How we may disclose your Personal Information

We may disclose Personal Information to third parties who assist us in operating our business, including:

• Affiliated entities

• Subcontractors and service providers

• Guarantors (where applicable)

• Your representatives

• Transport providers

Service providers may include those involved in archiving, auditing, accounting, delivery, payments, debt collection, legal services, consulting, SaaS platforms, banking, data processing, insurance, and technology services.

We may also disclose information for joint promotions or business transactions involving our assets, subject to confidentiality obligations.

e) How we hold and store your Personal Information

Your Personal Information is stored securely in electronic systems and in paper records held at our offices.

f) Overseas disclosure of your Personal Information

We may disclose Personal Information to overseas service providers, including in:

• New Zealand

• Singapore

• India

• United States of America

We take reasonable steps to ensure overseas recipients comply with Australian privacy obligations.

 

2. Hiring and Recruitment

If you apply for a position, we may collect information about your experience, character, qualifications and screening checks (including background, health, references, identity, eligibility to work, and criminal history). Sensitive information will only be collected with your consent.

Information may be exchanged with academic institutions, recruiters, screening providers, health providers, professional bodies, law enforcement agencies, referees and current or previous employers.

We may be unable to consider your application without this information.

 

3. Employees and Contractors

This section applies to current and former employees and contractors.

We may collect information relating to employment or engagement including:

• Training, performance, conduct and termination

• Emergency contact details

• Use of IT resources

• Payroll and employment matters

• Union or professional association membership

• Recreation activities

• Drug and alcohol testing

• Employment contracts and policies

• Leave, taxation, banking and superannuation

• Workplace health and safety matters

We collect, use and disclose this information for employment administration, safety, insurance, payroll and staff management.

Where required by law, Personal Information may be provided to relevant authorities, including workers compensation bodies.

 

4. Credit Reporting

a) Credit-related Personal Information we collect

When you apply for commercial credit or act as guarantor, we may collect:

• Identification details (name, DOB, address, employment, licence details)

• Credit applications, limits and arrangements

• Credit provider history

• Repayment history

• Default information

• Court judgments and insolvency records

• Credit scores and assessments

• Trade credit insurance information

• Property interests

b) How we collect credit-related information

Information may be collected directly from you or indirectly from:

• Credit reporting bodies (CRBs)

• Courts and public records

• Trade insurers and other credit providers

• Authorised representatives of your organisation

c) How we use and disclose credit-related information

We may use this information to:

• Assess eligibility for commercial credit

• Evaluate guarantors

• Verify identity

• Manage accounts and relationships

• Obtain insurance

• Collect overdue payments

We may disclose information to CRBs, particularly in cases of default or serious credit infringement.

d) Accessing or correcting credit-related information

You may request access to or correction of your credit-related Personal Information by contacting our Privacy Officer.

We will respond within applicable legal timeframes.

e) Credit reporting bodies we consult

We may consult the following CRBs:

Equifax Australia Level 15, 100 Arthur St North Sydney NSW 2060 Tel: 1300 921 621 www.equifax.com.au

Creditor Watch Level 13, 109 Pitt St Sydney NSW 2000 Tel: 1300 501 312 www.creditorwatch.com.au

Experian Level 6, 549 St Kilda Rd Melbourne VIC 3004 Tel: 03 9699 0100 www.experian.com.au

NCI Level 2, 165 Grenfell St Adelaide, SA 5000 Tel: 1800 882 820 www.nci.com.au

Illion Level 2, 143 Coronation Dr Milton QLD 4064 Tel: 07 3360 0600 www.illion.com.au

You may contact these organisations directly to access or correct information they hold or to request restrictions on its use.

 

5. Security of your Personal Information

We take reasonable steps to protect Personal Information from loss, misuse, unauthorised access or alteration. Staff are required to treat sensitive information as confidential.

Information no longer required will be destroyed or de-identified where appropriate.

 

6. Using our Online Facilities

When you use our websites or online tools, we may collect information such as pages visited, downloads and usage times for statistical and administrative purposes.

We use cookies to improve functionality and tailor your experience. You may disable cookies in your browser, though this may limit site functionality.

We are not responsible for privacy practices of external websites linked from our site. Information transmitted online may be insecure if not encrypted.

 

7. Corrections, Complaints, Access and Enquiries

To access or correct your Personal Information, make a complaint, or request further information, contact our Privacy Officer:

Email: nat.credit@auscm.net
Phone: +61 (02) 9024 4313

We will respond within a reasonable timeframe. A reasonable fee may apply for access requests.

If we cannot provide access or make corrections as requested, we will explain why (unless unreasonable to do so).

 

8. Changes to this Privacy Policy

This Privacy Policy may be updated from time to time. Changes will be announced on our website. The date at the bottom of this page indicates when the Policy was last updated.

 

Sept 2024