At Experian Australia Pty Ltd and Look Who’s Charging Pty Ltd (‘Experian Australia’) we recognise the importance of your privacy and understand your concerns about the security of your Personal Information.
While information is the foundation for providing you with superior service, protecting the privacy of your personal information is of the highest importance to us. We believe that responsible stewardship of the information entrusted to us is crucial in developing and maintaining the public trust which in turn is essential for our continued success.
We are bound by the Australian Privacy Principles (APP) contained in the Privacy Act (subject to exemptions that are applicable to us under the Privacy Act), our general law obligations of confidentiality to you and all other applicable guidelines and codes in Australia.
Where this Policy uses a word starting with a capital letter, that term will be defined in the Glossary section or elsewhere in this Policy.
We may, from time to time, review and update this Policy, including taking account of new or amended laws, new technology and/or changes to our operations and practices. All Personal Information held by us will be governed by the most recently updated Policy. Accordingly, please also regularly check our Policy so that you are aware of these updates and changes. If you have any questions, please contact us online at www.experian.com.au or via email at firstname.lastname@example.org.
What kind of Personal Information do we collect?
The types of Personal Information we collect from you depend on the circumstances in which the information is collected.
We may collect contact details including your name, address, email address, phone numbers and your date of birth / age. We may also collect answers you provide to questions we ask and other information in relation to your dealings with us.
We may also collect details of the company that you work for.
If you apply for employment with us, we may also collect information for the purpose of considering your application including your qualifications and resume as well as reference information from your nominated referees.
If you are an individual contractor to us, we may also collect information relevant to your engagement with us including qualifications, work history, resume, reference information from your nominated referees, bank details, feedback from supervisors and training records.
We do not generally collect Sensitive Information from you or about you unless there is a legal requirement to do so, or unless we are otherwise permitted by law. In all other situations, we will specifically seek your consent for the collection of Sensitive Information.
In addition to the types of Personal Information identified above, we may collect Personal Information as otherwise permitted or required by law.
So far as is reasonably possible we are happy to deal with you anonymously or under a pseudonym, if you prefer. Generally, we can provide information about our products and services without requiring you to provide contact details, however you should be aware that if you do elect to remain anonymous or use a pseudonym it may impact on our ability to provide full and detailed information, products, services or assistance to you.
If you do deal with us under a pseudonym, we would of course prefer to know that it is a pseudonym, to avoid collecting inaccurate information. Similarly, if you have provided us with your contact details, and those details subsequently change, we would appreciate your informing us of the change so that we can ensure our records are kept up to date.
How do we collect Personal Information?
We collect personal information in a number of ways. The most common ways we collect your personal information are:
- directly from you when you provide it to us or our agents or contractors;
- via our website or when you deal with us online (including through our social media pages);
- from publicly available sources;
- from our related companies; and
- from third parties (for example, from referees if you apply for a position as an employee or contractor with us).
We may use “cookies” and similar technology on our websites and in other technology applications. The use of such technologies is an industry standard and helps to monitor the effectiveness of advertising and how visitors use our websites/applications. We may use such technologies to generate statistics, measure your activity, improve the usefulness of our websites/applications and to enhance the “customer” experience.
Why do we collect Personal Information and how do we use it?
The purposes for which we use and disclose your Personal Information will depend on the circumstances in which we collect it. Whenever practical we endeavour to inform you why we are collecting your Personal Information, how we intend to use that information and to whom we intend to disclose it at the time we collect your Personal Information.
We may use or disclose your personal information:
- for the purposes for which we collected it (and related purposes which would be reasonably expected by you);
- for other purposes to which you have consented; and
- as otherwise authorised or required by law.
In general we collect, use and disclose your Personal Information so that we can do business together and for purposes connected with our business operations.
Some of the specific purposes for which we collect, use and disclose personal information are:
- to respond to you if you have requested information (including via our websites or via an email or other correspondence you send to us);
- to provide goods or services to you or to receive goods or services from you;
- to improve our goods and services;
- to verify your identity, address and age or eligibility to participate in a marketing activity;
- to consider you for a job with us (whether as an employee or contractor) or in the context of other relationships with us;
- to address any issues or complaints that we or you have regarding our relationship;
- to contact you regarding the above, including via electronic messaging such as SMS and email, by mail, by phone or in any other lawful manner;
- to revenue collecting agencies on receipt of valid notices as a relevant third party; and
- to comply with Australian law or court/tribunal order or revenue collecting agencies.
How do we hold that information?
Your Personal Information is held by electronic means in our secure data centre in Sydney. We have procedural safeguards in place for Personal Information and take reasonable steps to ensure that your Personal Information is protected from misuse, interference, loss and unauthorised access, modification and disclosure.
Direct marketing involves communicating directly with you for the purpose of promoting goods or services to you and to provide you with special offers. Direct marketing can be delivered by a range of methods including mail, telephone, email or SMS. You can unsubscribe from our direct marketing, or change your contact preferences, by contacting us.
Where we use your Personal Information for marketing and promotional communications, you can opt out at any time by notifying us.
Who do we disclose personal information to?
We may disclose your Personal Information to third parties in connection with the purposes described in earlier in this Policy.
This may include disclosing your personal information to the following types of third parties:
- our employees and related bodies corporate;
- our contractors and other third parties that provide goods and services to us (including website and data hosting providers, and other suppliers);
- our accountants, insurers, lawyers, auditors and other professional advisers and agents;
- payment system operators, if relevant;
- if you are an individual contractor to us or a prospective employee, to our related companies and HR related service providers (e.g. for outsourced payroll processing);
- any third parties to whom you have directed or permitted us to disclose your personal information (e.g. referees);
- in the unlikely event that we or our assets may be acquired or considered for acquisition by a third party, that third party and its advisors; and
- third parties that require the information for law enforcement or to prevent a serious threat to public safety.
Where we disclose your Personal Information to third parties including business partners, advertisers and/or government stakeholders for the purposes set out above and/or of reporting, research and analysis purposes, we will use reasonable efforts to ensure that such third parties only use your personal information as reasonably required for the purpose we disclosed it to them and in a manner consistent with the APPs under the Privacy Act.
We will not disclose Personal Information about you for any other purposes, except that we may disclose or use your Personal Information where:
- we are under a legal duty to do so, including circumstances where we are under a lawful duty of care to disclose information; or
- such disclosure is authorised or permitted by the APP, law or you.
Disclosure of Personal Information overseas
We do not generally disclose your Personal Information outside of Australia. Except in some cases where we may rely on an exception under the Privacy Act, if we do disclose Personal Information to overseas recipients, we will take reasonable steps to ensure that such overseas recipients do not breach the APPs in relation to such information.
While all Personal Information is held in our data centre in Sydney, in the event of a failover we may be required to access your Personal Information in our data centres in the USA or UK.
What is the consequence for you if you do not provide your information to us?
You can choose not to provide your Personal Information to us. However, if you do not provide your Personal Information to us, you may be unable to:
- use or navigate our website; and/or
- communicate with us regarding your queries.
Additionally, if you do not provide your Personal Information to us, we may be unable to:
- answer your enquiry; and/or
- provide any other services that you or your organisation have contracted us to provide.
Accuracy of the Personal Information we hold
We rely on the Personal Information we hold about you in providing you with our services or otherwise conducting our business. Therefore, it is important that the information we hold about you is accurate, complete and up-to-date. This means that from time to time we may ask you to tell us if there are any changes to your Personal Information. To assist us to keep our records up-to-date, please advise us immediately when your Personal Information changes.
How are you able to access to your Personal Information?
We have procedures in place for dealing with and responding to requests for access to the Personal Information held about you.
In most cases, we expect that we will be able to comply with your request. However, if we do not agree to provide you access to information as requested, we will give you written reasons why. For further information, please contact us online at www.experian.com.au or via email at email@example.com.
Enquiries and Complaints
We have procedures in place for dealing with complaints and concerns about our practices in relation to the Privacy Act and the APPs. We will respond to your complaint in accordance with the relevant provisions of the APPs. For further information, please contact us online at www.experian.com.au or via email at firstname.lastname@example.org.
If we do not agree to provide access to your Personal Information or to amend or annotate the Personal Information we hold about you, you can escalate your enquiry to a formal complaint in writing or by email to us, or by pursuing the matter further with the Office of the Australia Information Commissioner (OAIC).
If you have a complaint about any practice, procedure or action taken in regard to your Personal Information, you may apply to the OAIC to investigate the complaint. The OAIC may be contacted at:
Office of the Australian Information Commissioner
By Phone: 1300 363 992 (Aus) or + 61 2 9284 9749 (International).
By Email: email@example.com
By Fax: +61 2 9284 9666
By Post: GPO Box 5218 Sydney NSW 2001
This Policy reflects general information on how we:
- comply with our obligations under the Privacy Act; and
- collect, hold, use, disclose and manage your Personal Information.
This Policy is not legal advice and is not intended to replace the rights, duties and obligations a party has under the Privacy Act. Nothing in this statement is intended to create or impose rights, remedies or obligations additional to those set out in the Privacy Act. All reasonable care has been taken by Experian to prepare and keep this statement up to date, however, the information contained in this policy is not intended to be a warranty or representation or otherwise to create any legal contractual relationship or obligations between you and Experian.
“Experian Australia”, “we”, “us” or “our” means Experian Australia Pty Ltd and Look Who’s Charging Pty Ltd.
“Personal information” is information or an opinion about an identified individual, or about an individual who is reasonably identifiable, whether or not the opinion is true or not and whether or not the information is stored in material form or not.
“Privacy Act” means Privacy Act 1988 (Cth).
“Sensitive Information” is a special category of Personal Information. It is information or an opinion about an individual’s racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record, Health Information about an individual or genetic information about an individual that is not otherwise Health Information.