Thank you for applying for a credit account with Halifax Vogel Group Pty Ltd.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
If you require any assistance with your application, please contact our accounts department on (02) 9556 6000.
CreditorWatch is a provider of credit reporting services.
The Service involves the storage of Data about a company or individual. That Data can include personal information. “Personal information” is information about an identifiable individual, and may include information such as the individual’s name, email address, telephone number, bank account details, taxation details, and accounting and financial information.
CreditorWatch may collect personal information directly from You when You:
You can always choose not to provide Your personal information to CreditorWatch, but it may mean that we are unable to provide You with the Service.
Through Your use of the Service, CreditorWatch may also collect information from You about someone else. If You provide CreditorWatch with personal information about someone else, You must ensure that You are authorised to disclose that information to CreditorWatch and that, without CreditorWatch taking any further steps required by applicable data protection or privacy laws, CreditorWatch may collect, use and disclose such information for the purposes described in this Policy.
This means that You must take reasonable steps to ensure the individual concerned is aware of and/or consents to the various matters detailed in this Policy, including the fact that their personal information is being collected, the purposes for which that information is being collected, the intended recipients of that information, the individual’s right to obtain access to that information, CreditorWatch’s identity, and how to contact CreditorWatch.
Where requested to do so by CreditorWatch, You must also assist CreditorWatch with any requests by the individual to access or update the personal information You have collected from them and entered into the Service.
CreditorWatch collects Your personal information so that we can provide You with the Service and any related services You may request. In doing so, CreditorWatch may use the personal information we have collected from You for purposes related to the Services including to:
By using the Service, You consent to Your personal information being collected, held and used in this way and for any other use You authorise. CreditorWatch will only use Your personal information for the purposes described in this Policy or with Your express permission.
It is Your responsibility to keep Your password to the Service safe. You should notify us as soon as possible if You become aware of any misuse of Your password, and immediately change your password within the Service or via the forgot password process.
By using the Service, You agree that CreditorWatch can access, aggregate and use non-personally identifiable data CreditorWatch has collected from You. This data will in no way identify You or any other individual.
CreditorWatch may use this aggregated non-personally identifiable data to:
All Data, including personal and non-personal information, that is entered into the Service by You, or automatically imported on Your instruction, is transferred to CreditorWatch’s servers as a function of transmission across the Internet. By using the Service, You consent to Your personal information being transferred to our servers as set out in this Policy.
Currently our servers are located in Australia, primarily by Global Switch Pty Ltd. (Global Switch), and Your personal information will be routed through, and stored on, those servers as part of the Service. Global Switch complies with relevant aspects of the U.S.-EU Safe Harbor Framework and has certified that it adheres to relevant Safe Harbor Privacy Principles. If the location of our servers change in the future, we will update this Policy. You should review our Policy regularly to keep informed of any updates.
By providing Your personal information to CreditorWatch, You consent to CreditorWatch storing Your personal information on servers hosted in Australia. While Your personal information will be stored on servers located in the Australia, it will remain within CreditorWatch’s effective control at all times. The server host’s role is limited to providing a hosting and storage service to CreditorWatch, and we’ve taken steps to ensure that our server hosts do not have access to, and use the necessary level of protection for, Your personal information.
CreditorWatch is committed to protecting the security of Your personal information and we take all reasonable precautions to protect it from unauthorised access, modification or disclosure. Your personal information is stored on secure servers that have SSL Certificates issued by leading certificate authorities Symantec Corporation, and all Data transferred between You and the Service is encrypted.
However, the Internet is not in itself a secure environment and we cannot give an absolute assurance that Your information will be secure at all times. Transmission of personal information over the Internet is at Your own risk and You should only enter, or instruct the entering of, personal information to the Service within a secure environment.
We will advise You at the first reasonable opportunity upon discovering or being advised of a security breach where Your personal information is lost, stolen, accessed, used, disclosed, copied, modified, or disposed of by any unauthorised persons or in any unauthorised manner.
CreditorWatch will only disclose the personal information You have provided to us to entities outside the CreditorWatch group of companies if it is necessary and appropriate to facilitate the purpose for which Your personal information was collected pursuant to this Policy, including the provision of the Service.
CreditorWatch will not otherwise disclose Your personal information to a third party unless You have provided Your express consent. However, You should be aware that CreditorWatch may be required to disclose Your personal information without Your consent in order to comply with any court orders, subpoenas, or other legal process or investigation including by tax authorities, if such disclosure is required by law. Where possible and appropriate, we will notify You if we are required by law to disclose Your personal information.
The third parties who host our servers do not control, and are not permitted to access or use Your personal information except for the limited purpose of storing the information. This means that, for the purposes of Australian privacy legislation and Australian users of the Service, CreditorWatch does not currently “disclose” personal information to third parties located overseas.
If you choose to pay for the Service by credit card, Your credit card details are not stored by the Service and cannot be accessed by CreditorWatch staff. Your credit card details are encrypted and securely stored by Data Vault provided by Commonwealth Bank Of Australia to enable CreditorWatch to automatically bill your credit card on a recurring basis. You should review Data Vault by Commonwealth Bank of Australia to ensure you are happy with it.
It is Your responsibility to ensure that the personal information You provide to us is accurate, complete and up-to-date. You may request access to the information we hold about You, or request that we update or correct any personal information we hold about You, by setting out Your request in writing and sending it to us at email@example.com
CreditorWatch will process Your request as soon as reasonably practicable, provided we are not otherwise prevented from doing so on legal grounds. If we are unable to meet Your request, we will let you know why. For example, it may be necessary for us to deny Your request if it would have an unreasonable impact on the privacy or affairs of other individuals, or if it is not reasonable and practicable for us to process Your request in the manner You have requested. In some circumstances, it may be necessary for us to seek to arrange access to Your personal information through a mutually agreed intermediary (for example, the Subscriber).
We’ll only keep Your personal information for as long as we require it for the purposes of providing You with the Service. However, we may also be required to keep some of Your personal information for specified periods of time, for example under certain laws relating to corporations, money laundering, and financial reporting legislation.
In providing the Service, CreditorWatch utilises "cookies". A cookie is a small text file that is stored on Your computer for record-keeping purposes. A cookie does not identify You personally or contain any other information about You but it does identify Your computer.
We and some of our affiliates and third-party service providers may use a combination of “persistent cookies” (cookies that remain on Your hard drive for an extended period of time) and “session ID cookies” (cookies that expire when You close Your browser) on the Website to, for example, track overall site usage, and track and report on Your use and interaction with ad impressions and ad services.
You can set your browser to notify You when You receive a cookie so that You will have an opportunity to either accept or reject it in each instance. However, You should note that refusing cookies may have a negative impact on the functionality and usability of the Website.
We do not respond to or honour “Do Not Track” requests at this time.
CreditorWatch sends billing information, product information, Service updates and Service notifications to You via email. Our emails will contain clear and obvious instructions describing how You can choose to be removed from any mailing list not essential to the Service. CreditorWatch will remove You at Your request.
If You wish to complain about how we have handled Your personal information, please provide our Privacy Officer with full details of Your complaint and any supporting documentation:
Our Privacy Officer will endeavour to:
CreditorWatch reserves the right to change this Policy at any time, and any amended Policy is effective upon posting to this Website. CreditorWatch will make every effort to communicate any significant changes to You via email or notification via the Service. Your continued use of the Service will be deemed acceptance of any amended Policy.
HALIFAX VOGEL GROUP PTY LIMITED
HVG is bound by the Privacy Act 1998, the Privacy (Enhancing Privacy Protections) Act 2012, the Credit Reporting Privacy Code and the Australian Privacy Principles (“the APPs”) as amended from time to time.
Collection of your personal information
HVG is committed to the protection of your personal information. Personal information is any information or an opinion about an identified individual or an individual who is reasonably identifiable. Generally, the kind of information HVG will collect about an individual include an individual’s name, signature, residential address, telephone number, date of birth, bank account details or credit card information, and commentary or opinion about a person, for example credit commentary, eligibility or information received from Veda or Dun and Bradstreet.
The specific types of personal and business information that we collect from you will depend on the services you require from us and how you interact with us. When you apply to do business with us we will ask you many details to do with you and your business. That information then assists us in making business decisions about our intended business relationship and the terms of that relationship. If the personal information requested is not supplied HVG may not be able to consider any application made by you or to supply you with our goods and/or services and we may not be able to process your Application for a Commercial Credit Account.
At the time of collecting personal information about an individual, or as soon as practicable after that time, HVG takes reasonable steps to ensure the individual is aware of:-
a) The identity and contact details of HVG and HVG’s Privacy Officer;
b) The purposes for which the information is being collected;
c) Any organisations to which HVG may possibly disclose the information to;
d) The fact that an individual has a right to gain access to the personal information collected;
e) The main consequences (if any) for the individual if all or part of the information is not provided.
We will not collect any personal information from you revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or details of health, disability or sexual activity or orientation. Exceptions to this include:
a) Where you have given express consent to HVG to do so;
b) Where is it necessary for HVG to carry out one of its primary functions;
c) Where there are reasonable grounds to believe that disclosure is necessary to prevent a threat to life or health;
d) The use is authorised by law or reasonably necessary to enforce the law; or when the information is necessary for the establishment, exercise of defence of a legal claim.
When you use HVG’s website at www.hvg.net.au, our Internet Service Provider (ISP) may make a record of your visit and log your server address, your domain name, the date, time and duration of your visit, the pages and documents you accessed, the previous site you had accessed (i.e. the referring URL) and the type of browser you are using. This information is collected for statistical purposes only, and HVG will not make any attempt to identify users according to their browsing activity.
In the unlikely event of an investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect our business records or ISP’s logs. It is also possible that your ISP is logging your activity while you visit our site. This is obviously beyond the control of HVG.
How we use and disclose personal information
The personal information that you provide to us before during or after our business relationship or before or after or during interaction on this site, and in other interactions between us, is used for a number of primary purposes, including the following:-
a) Enabling us to supply you with our products and services;
b) Managing, servicing and reviewing Accounts, including overdue accounts;
c) Managing Customer Payment information, including credit card information and bank account details;
d) Considering and assessing applications for employment;
e) Providing you with better service for the supply of products and services; and
f) Insuring and assessing our risk in collecting debts.
HVG will not sell, rent or trade your personal information.
Any personal or business information which you do supply will only be used internally at HVG and will not be divulged to a third party unless that third party is associated or integral to the purpose for which you gave us the information or where required by law. We will only use and disclose information about you for the purpose for which you gave us that information. We may use and disclose information about you for a purpose other than the purpose for which you gave us the information where:
a) That other purpose is related to the purpose for which you gave us the information;
b) You have given us your consent for the personal information to be used or disclosed for the additional purpose;
c) Where there are reasonable grounds to believe that use or disclosure is necessary to prevent a threat to life or health;
d) Where we suspect that unlawful activity is or has been engaged in and we use or disclose the personal information to investigate the suspected unlawful activity; or
e) The use or disclosure is authorised by law or reasonably necessary to enforce the law.
During the ordinary course of business, HVG may disclose your information as required by law or to parties related to your employment (e.g. referees or WorkCover Insurers), our contractors, other credit providers (whether or not your account is overdue) and, if necessary, our Risk Insurers, debt collectors, solicitors, other professional advisors and Credit Reporting Bodies including VEDA Advantage Ltd (www.veda.com.au), Dunn & Bradstreet (Australia) Pty Ltd (www.dnb.com.au) and others. HVG may also disclose your personal information to organisations involved in a transfer or sale of all or part of our business or its assets or one involved in managing our corporate risk and funding requirements.
HVG’s Credit Department has well-documented detailed procedures, which are compliant with the APPs, in managing personal data relating to the administration of customer accounts. Compliance to these procedures is monitored on an ongoing basis.
HVG may also use your personal information, including e-mail addresses, for the purpose of direct marketing. We may only use your personal information or data for the purpose of direct marketing in relation to promotional activities where it is impracticable for us to obtain your prior express consent. However, when we do this, we will provide an express opportunity when we first contact you to decline receiving any further marketing communications from us, via an opt-out mechanism. Please contact us if you do not want to receive any direct marketing information or if you do not want your information disclosed for direct marketing purposes. Overseas Disclosure
Security of your personal information
HVG maintains sophisticated IT systems to keep its customer, vendor and employee data on master files. HVG has security measures designed to protect against the loss, misuse and/or alteration of the information under its control, including restricted access, firewalls and encryption.
While HVG employs anti virus software and encryption technology when interfacing with its customers, suppliers, contractors and other parties, you should be aware that there is a residual risk in transmitting any data electronically. This risk is inherent in any Internet dealings.
How to access, correct or update your information
HVG will take all reasonable steps to ensure that all information we collect, use or disclose is accurate, complete and up-to-date, and will review information on its databases at regular internals to ensure all information kept is up to date.
You have a right to seek access to your personal information and to make correction to that information. Please contact the Privacy Officer if your details change or if you believe the information we have about you is not accurate or complete. We will provide you with reasonable opportunity to access your personal information and have it corrected or updated. A fee may apply to such access and you will be required to provide the appropriate identification.
Exceptions to your access rights may include:
a) Where providing access will pose a serious threat to the life or health or any individual or pose an unreasonable impact on the privacy of an individual;
b) Your request for access is frivolous or vexatious;
c) Where the information relates to existing legal proceedings between HVG and you and the information would not be discoverable in the process of those legal proceedings; or
d) Where providing access would be unlawful, may prejudice an investigation of possible unlawful activity, may prejudice enforcement of laws, or denying access is specifically authorised by law.
Where HVG refuses a request for correction or access, you will be provided with written reasons for the refusal and details of complain mechanisms.
HVG takes your complaints seriously. If you believe that HVG has not dealt with your personal information in a manner that complies with the Privacy Act 1998, the Privacy (Enhancing Privacy Protections) Act 2012, the Credit Reporting Privacy Code and the Australian Privacy Principles (“the APPs”) as amended from time to time, please contact the Privacy Officer, 29 Henderson St., Turrella, NSW 2205 or e-mail firstname.lastname@example.org or via any of our contact details listed at www.hvg.net.au. You will be required to put your complaint in writing. HVG will use its best endeavours to provide a response in writing within a timely manner, and to correct any personal information and notify any other entity required with updated information.
HVG has detailed procedures for dealing with Privacy breaches. If you are dissatisfied with the outcome of your complaint, or if HVG refuses to provide access to, or correction of, your personal information, you may complain to the Office of the Australian Information Commissioner athttp://www.oaic.gov.au.
How to contact us
You can contact HVG and our Privacy Officer at our head office premisesat 29 Henderson St., Turrella, NSW 2205 or e-mail email@example.com or via any of our contact details listed at www.hvg.net.au
CREDIT REPORTING POLICY
This Credit Reporting Policy sets out how HVG will manage your Credit Information (your repayment and default history, amount and type of credit provided, and any default information) and your Credit Eligibility Information (Information provided by other Credit Providers and Credit Reporting Bodies). Our handling of your Credit Information complies with our obligations under the Privacy Act 1988 (“the Act”) and the Credit Reporting Privacy Code (“CR Code”).
Collection of your Credit Information and Credit Eligibility Information
HVG may collect, use, hold and disclose Credit Information about you. You consent to such collection, holding, use and disclosure of your Credit Information in accordance with the terms of this policy.
If you apply for commercial credit or provide a guarantee for commercial credit, the kinds of Credit Information and Credit Eligibility Information that we may collect and hold includes information used to identify you, your creditworthiness and any other related information necessary or incidental to the products and services which HVG provides or proposes to provide to you. This may include:
Sometimes, we may gather Credit Information and Credit Eligibility Information about you from a third party, for example, from Credit Reporting Bodies (“CRB’s”) (for example, Veda and Dun & Bradstreet) or intermediaries and spouses or from publicly available information.
The Credit Information that you provide assists us in making business decisions about our intended business relationship and the terms of that relationship. We may not be able to transact business with you if you do not provide all of the information requested and we may not be able to process any Application for Commercial Trading Account.
How we Use and Disclose your Credit Information and your Credit Eligibility Information?
We will collect, hold, use and disclose Credit Information and Credit Eligibility Information for a number of primary purposes, including the following:-
We will also collect, hold, use and disclose Credit Information and Credit Eligibility Information about you to comply with Australian legislation, including the Corporations Act 2001, Proceeds of Crime Act 1987 and Anti-Money Laundering and Counter Terrorism Financing Act 2006 and any amendments to these Acts.
Disclosure of Credit Information and Credit Eligibility Information
We may disclose your Credit Information and Credit Eligibility Information to any of the following third parties:
HVG may disclose Credit Information and Credit Eligibility Information to overseas recipients such as our related or associated companies, or to third parties. This may also occur if our service providers are located overseas. We will take reasonable steps to protect your privacy if this disclosure occurs.
Storage and Security of your Credit Information and Credit Eligibility Information
We will take all reasonable steps to ensure that all Credit Information and Credit Eligibility Information that we collect, use or disclosed, is stored both physically and electronically in a secure environment accessed only by authorised persons. We will take reasonable steps to protect any such information that we hold from misuse, loss, unauthorised access, modification or disclosure and to destroy or permanently de-identify personal information if it is no longer needed for any purposes.
We maintain sophisticated IT systems to keep such information and data on master files. We have security measures including restricted access, firewalls and encryption.
While HVG employs antivirus software and encryption technology when interfacing with its customers, suppliers, contractors and other parties, you should be aware that there is a residual risk in transmitting any data electronically. This risk is inherent in any internet dealings.
Credit Reporting Bodies and your Credit Information
CRBs are permitted under the Act and the CR Code to use and disclose your Credit Information. If you apply for commercial credit or offer to act as a guarantor, we may disclose your Credit Information to, or collect Credit Information about you from a CRB. This information is used for the purpose of determining your Eligibility for credit, and we may process the information to assess your creditworthiness and suitability for credit.
HVG deals with the following Corporate Reporting Bodies:
PO Box 964 North Sydney 2059, www.veda.com.au, 1300 762 207; and
Dun & Bradstreet (Australia) Pty Ltd
Level 7, 479 St Kilda Road Melbourne 3004, www.dnb.com.au, 1300 734 806.
Further information about how these bodies manage credit related personal information can be found in their privacy policies available on their websites or by contacting them directly.
How to Access, Correct or Update your Credit Information and Credit Eligibility Information
HVG will take all reasonable and necessary steps to ensure all information collected, used or disclosed is accurate, complete and up to date. You have a right to seek access to your Credit Information and Credit Eligibility Information and to make correction to that information. Your request must be reasonable and practicable. Please contact our Privacy Officer firstname.lastname@example.org should your details change or if you believe the information we have about you is not accurate or complete or to make an access or correction request. We will endeavour to respond to your request within a reasonable time. If you are not satisfied with our response to your access or correction request, please see our Complaints Section below, for information on making a complaint.
HVG takes your complaint seriously. If you believe that we have not dealt with your Credit Information and Credit Eligibility Information, in a manner that complies with the Act or the CR Code, please contact the Privacy Officer, 29 Henderson Rd., Turrella NSW 2205 or by email@example.com.
You will be required to put your complaint in writing and we will use our best endeavours to provide a response in writing within a timely manner and to correct any personal information and notify any other entity required with updated information.
HVG has detailed procedures for dealing with privacy. If you are dissatisfied with the outcome of your complaint or should we refuse to provide access to or correction of your information, you may complain to the Office of the Australian Information Commissioner at www.oaic.gov.au.
If you have any questions about this policy, please contact the Privacy Officer by emailing firstname.lastname@example.org or by mail to the Privacy Officer, 29 Henderson Rd., Turrella NSW 2205
Changes to our Credit Reporting Policy
We may, at our discretion, change our approach to the handling of Credit Information and will, in such instances, update the Credit Reporting Policy to reflect these changes. The most up-to-date copy of the Credit Reporting Policy will be available at www.hvg.net.au and any such updated version shall apply from the date the updated version is published on our website.