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This Credit Reporting Policy explains how we manage your credit information in connection with products and services we provide. Our handling of credit information is regulated by the Privacy Act 1988 (Cth) (Privacy Act), and the Privacy (Credit Reporting) Code.
Credit information is personal information that has a bearing on credit that has been provided to you or that you have applied for. It relates primarily to your credit related dealings with us and covers the various types of information that can be collected by third parties that report on credit worthiness.
Credit information includes:
The main reason we collect, use, hold or disclose credit information is to provide you with products and services. Our use and disclosure of credit information is regulated by the Privacy Act and Credit Reporting Privacy Code. We will only use or disclose such information for purposes permitted by these laws.
We will acknowledge your complaint as soon as we can after receipt of your complaint. We will endeavor to resolve your complaint within a reasonable time of receiving it. We may need to consult with a credit reporting body or other credit provider to investigate your complaint.
While we hope that we will be able to resolve your complaint, if you are not satisfied with the outcome of your complaint you may make a complaint to the Australian Information Commissioner, (www.oaic.gov.au).
From time to time we may need to update this Credit Reporting Policy. If we do so, we will post the updated version on our website www.carbonTRACK.com.au/legal. Any updates to the Credit Reporting Policy will be effective from the date on which they appear on carbonTRACK’s website.
The Credit Reporting Policy should be read regularly to understand and obtain the most up to date version.