Privacy Policy — Credit

The following contains information for Australia and New Zealand.

AUSTRALIA

In this document “Alleasing”, “we” or “us” means Alleasing Pty Ltd ABN 96 008 655 025.

We comply with the credit reporting regime as contained in the Privacy Act 1988 (Cth) (the “Credit Reporting Regime”) and the Credit Reporting Privacy Code registered under the Act (“CR Code”). The Credit Reporting Regime and the CR Code specifically detail how we must treat credit information and credit eligibility information in your personal credit file.

This document sets out our how we manage credit information and credit eligibility information about you.

What credit information we collect and hold

We will collect credit information from you or about you, if:

  • you are a sole trader, a member of a partnership or an individual trustee, and you apply for a commercial credit account with us; or
  • you are or propose to become a guarantor for the obligations of someone else (a third party) that are owed to us under a commercial credit account.  (That third party may be the operator of a business associated that you are with or in respect of which you have a direct or indirect interest).

The kinds of credit information we commonly collect and hold from you or about you include:  your name, alias or previous names, date of birth, gender, drivers licence details, current and 2 previous residential addresses, and name of your current employer.

We collect and hold information relating to your personal current credit liabilities, previous credit payments and defaults, current and previous Court proceedings and insolvency actions against you and information about your credit worthiness.  This credit information may relate to both consumer and/or commercial credit.

What credit eligibility information we hold

We hold reports and information disclosed to us by a credit reporting body such as Veda or Dun & Bradstreet and verification of identity through searches of public registries. We may also obtain trade references from a bank. We also compile our own, internal credit file about you on the basis of such information.  This information relates to an assessment of your personal credit worthiness.

How we collect and hold credit information and credit eligibility information

We will collect credit information directly from you, for example, through an application for commercial credit and in details you complete in an Alleasing agreement or other Alleasing agreement and from email or other communications with us.

We will also collect credit information about you from specific requests that we make to credit reporting bodies.  In some instances, we may receive credit information about you from other credit providers with whom you deal.

Credit eligibility information will be disclosed to us by credit reporting bodies in response to our request.

Why we collect, hold, use and disclose credit information and credit eligibility information

Where you are an individual, sole trader, member of a partnership or individual trustee, we collect, hold, use and disclose credit information and credit eligibility information about you for the purposes of assessing your application for a commercial credit account with us, and for collecting overdue payments.

If you are a guarantor or proposed guarantor for someone else’s credit account, we collect, hold, use and disclose credit information and credit eligibility information about you for the purpose of assessing your suitability as a guarantor, and (if necessary) for enforcing the guarantee and collecting payments owed to us.

We will disclose credit information about you to credit reporting bodies for purposes related to assessing your credit worthiness, and reporting on payment defaults.

We may disclose credit eligibility information to other credit providers and to guarantors, where we have obtained your consent.

We may also disclose credit eligibility information to third parties (including debt collectors, government departments and enforcement bodies) where required or permitted by law.

How we hold and store credit information and credit eligibility information

Credit information and credit eligibility information about you is held and stored by us in accordance with storage practices detailed in our general privacy policy.  For further information see our website, http://www.alleasing.com.au/privacy-general.

Destruction and De-identification

We will retain credit information and credit eligibility information whilst it is required for any of our business functions, or for any other lawful purpose.

Credit information and credit eligibility information about you is destroyed or permanently de-identified in accordance with practices detailed in our general privacy policy (link above).

Overseas disclosure

Currently we do not disclose credit eligibility information to overseas recipients. Our funders (whether principals or via a securitisation arrangement) are Australian businesses, who are subject to the relevant requirements of the Credit Reporting Regime and have their own privacy protection measures in place. They may have related entities located overseas who may be recipients of credit eligibility information..

Requests for access and correction

We have procedures in place for dealing with and responding to requests for access to, and correction of, the credit information and credit eligibility 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 or to correct the information as requested, we will give you written reasons why.  For further information, please refer to our information statement on privacy access, correction and complaints or contact us (“Access, Correction and Complaints Statement”).

Complaints and Concerns

We have procedures in place for dealing complaints and concerns about our practices in relation to the Privacy Act, and the CR Code.  We will respond to your complaint in accordance with the relevant provisions of the Privacy Act or the CR Code.  For further information, please refer to our Access, Correction and Complaints Statement or contact us.

Contact

Privacy Officer

Alleasing Pty. Limited

PO Box R1854

Royal Exchange NSW 1225

Telephone: 1300 134 214

Email: privacyenquiries@alleasing.com.au

 

NEW ZEALAND

In this document “Alleasing”, “we” or “us” means Alleasing New Zealand Limited NZBN 9429038798337.

We comply with the credit reporting regime as contained in the Privacy Act 1993) (the “Credit Reporting Regime”) and the Credit Reporting Privacy Code (“CR Code”). The Credit Reporting Regime and the CR Code specifically detail how we must treat credit information and credit eligibility information in your personal credit file.

This document sets out our how we manage credit information and credit eligibility information about you.

What credit information we collect and hold

We will collect credit information from you or about you, if:

  • you are a sole trader, a member of a partnership or an individual trustee, and you apply for a commercial credit account with us; or
  • you are or propose to become a guarantor for the obligations of someone else (a third party) that are owed to us under a commercial credit account.  (That third party may be the operator of a business associated that you are with or in respect of which you have a direct or indirect interest).

The kinds of credit information we commonly collect and hold from you or about you include:  your name, alias or previous names, date of birth, gender, drivers licence details, current and 2 previous residential addresses, and name of your current employer.

We collect and hold information relating to your personal current credit liabilities, previous credit payments and defaults, current and previous Court proceedings and insolvency actions against you and information about your credit worthiness.  This credit information may relate to both consumer and/or commercial credit.

What credit eligibility information we hold

We hold reports and information disclosed to us by a credit reporting body such as Veda or Dun & Bradstreet and verification of identity through searches of public registries. We may also obtain trade references from a bank. We also compile our own, internal credit file about you on the basis of such information.  This information relates to an assessment of your personal credit worthiness.

How we collect and hold credit information and credit eligibility information

We will collect credit information directly from you, for example, through an application for commercial credit and in details you complete in an Alleasing agreement or other Alleasing agreement and from email or other communications with us.

We will also collect credit information about you from specific requests that we make to credit reporting bodies.  In some instances, we may receive credit information about you from other credit providers with whom you deal.

Credit eligibility information will be disclosed to us by credit reporting bodies in response to our request.

Why we collect, hold, use and disclose credit information and credit eligibility information

Where you are an individual, sole trader, member of a partnership or individual trustee, we collect, hold, use and disclose credit information and credit eligibility information about you for the purposes of assessing your application for a commercial credit account with us, and for collecting overdue payments.

If you are a guarantor or proposed guarantor for someone else’s credit account, we collect, hold, use and disclose credit information and credit eligibility information about you for the purpose of assessing your suitability as a guarantor, and (if necessary) for enforcing the guarantee and collecting payments owed to us.

We will disclose credit information about you to credit reporting bodies for purposes related to assessing your credit worthiness, and reporting on payment defaults.

We may disclose credit eligibility information to other credit providers and to guarantors, where we have obtained your consent.

We may also disclose credit eligibility information to third parties (including debt collectors, government departments and enforcement bodies) where required or permitted by law.

How we hold and store credit information and credit eligibility information

Credit information and credit eligibility information about you is held and stored by us in accordance with storage practices detailed in our general privacy policy.  For further information click here>>

Destruction and De-identification

We will retain credit information and credit eligibility information whilst it is required for any of our business functions, or for any other lawful purpose.

Credit information and credit eligibility information about you is destroyed or permanently de-identified in accordance with practices detailed in our general privacy policy.

Overseas disclosure

We may disclose some of your credit eligibility information to our related entity located in Australia.    Although, our funders (whether principals or via a securitisation arrangement) are New Zealand businesses, who are subject to the relevant requirements of the Credit Reporting Regime and have their own privacy protection measures in place. They may have related entities located overseas who may be recipients of credit eligibility information.

Requests for access and correction

We have procedures in place for dealing with and responding to requests for access to, and correction of, the credit information and credit eligibility 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 or to correct the information as requested, we will give you written reasons why.  For further information, please refer to our information statement on privacy access, correction and complaints or contact us (“Access, Correction and Complaints Statement”).

Complaints and Concerns

We have procedures in place for dealing complaints and concerns about our practices in relation to the Privacy Act, and the CR Code.  We will respond to your complaint in accordance with the relevant provisions of the Privacy Act or the CR Code.  For further information, please refer to our Access, Correction and Complaints Statement or contact us.

Contact

Privacy Officer
Alleasing Limited
PO Box 1535
Shortland Street Auckland NZ 1140

Telephone: 0800 472 633

Email: privacyenquiries@alleasing.co.nz

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