HLB Mann Judd Credit Reporting Policy

HLB Mann Judd respects and values privacy. HLB Mann Judd is bound by the credit reporting provisions of the Privacy Act and the Credit Reporting Code registered under the Privacy Act. Where we provide services to you on credit (that is, you will pay for those services after we start providing them to you), we are a credit provider for the purposes of the Privacy Act.

This Credit Reporting Policy describes how HLB Mann Judd manages credit-related information about individuals (credit information). HLB Mann Judd may modify or update its policy from time to time by publishing it on our website. This policy does not apply to the collection or use of credit related information about corporations.

HLB Mann Judd will ensure that all personal information (including credit information) that it handles is managed in accordance with the Privacy Act and other applicable laws protecting privacy. For more information on how HLB Mann Judd deals with personal information, please refer to the HLB Mann Judd Privacy Policy.

Collection of Credit Information

We may collect, hold and use certain credit-related information about you. We will generally only obtain this information from you. We will not collect or exchange information with credit reporting bodies and other credit providers unless you authorise us to do so. We use credit-related information to assist us in determining whether we will provide or continue to provide services to you on credit and to manage our relationship with you. Credit-related information includes your name and contact details, your credit history (including any repayments or late repayments you have made), any credit rating or credit assessment score that we calculate; and details of any credit-related court proceedings or insolvency applications that relate to you.

We will securely store all credit-related information that we collect or hold about you in accordance with the procedures described below.

Disclosure of Credit Information

Unless otherwise required by law, we only disclose your credit-related information to third parties in limited circumstances, as permitted by the Privacy Act. We may disclose your credit-related information to parties that provide credit-related services to us such as debt collectors, credit management agencies and our agents. We may also disclose your credit-related information to a third party that you or we request act as a guarantor in relation to any credit provided to you. We may disclose credit information about an individual to credit reporting bodies where that individual is in payment default. We will provide at least 14 days’ notice of our intention to disclose default information to a credit reporting body before making any such disclosure. We do not disclose any credit information to any recipient located outside of Australia.

Other circumstances where we may disclose your credit-related information includes using and disclosing credit-related information that we hold about you in relation to any access or correction requests that you make to us, any complaint that you make, as required by law or the order of a court or tribunal and where you otherwise expressly consent to the use or disclosure.

Access and Corrections

You may request access to any credit-related information that we hold about you.
If you request that we correct any credit-related information that we hold about you, we will endeavour to respond to that request within 21 days (or such longer period as you may agree) and correct any credit-related information that we hold about you that we are satisfied is inaccurate,
out-of-date, incomplete, irrelevant or misleading.

If we correct credit-related information that we hold about you without you first making a correction request, we will take reasonable steps to notify that correction to you.

Complaints

You may complain about any failure by us to comply with Part IIIA of the Privacy Act or the Credit Reporting Code. If your complaint relates to our failure to provide access to or to correct any credit-related information that we hold about you, you may lodge a complaint directly with the Office of the Australian Information Commissioner (for more information, please see www.oaic.gov.au). If your complaint does not relate to these matters, you must first lodge a complaint with us in accordance with the procedure set out in the HLB Mann Judd Privacy Policy, which sets out how we will deal with such complaints.

A complaint may be lodged by contacting the partner who manages your relationship or by emailing the National Privacy Officer at privacy@hlbvic.com.au.