Privacy and Credit Reporting Policy
1.1 We at PRA Australia Pty Ltd ACN 154 270 069 (“PRA”, “we”, “us” and “our”) and our related bodies corporate respect your privacy and want you to understand how we collect, use, and share personal information about you.
1.2 The Privacy Act 1988 (Cth) (‘Privacy Act’), the Australian Privacy Principles, Privacy Regulation 2013 (‘Regulations’) and registered privacy codes govern the way in which we must manage your personal information (‘Privacy Laws’).
1.3 This Privacy and Credit Reporting Policy covers our data collection practices and describes your rights to access, correct, or restrict our use of your personal information as defined in the Privacy Act (“data”).
1.4 This Privacy and Credit Reporting Policy applies when you visit or use our website or when we provide our services to you (the “Services”). We are committed to safeguarding the privacy of our website visitors and service users.
1.5 By using the Services, you agree to the terms of this Privacy and Credit Reporting Policy. You shouldn’t use the Services if you don’t agree with this Privacy and Credit Reporting Policy or any other agreement that governs your use of the Services.
2. What is personal information?
2.1 Personal information includes any information or opinion, about an identified individual or an individual who can be reasonably identified from that information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have kept a record in a material form or not.
2.2 Some examples of personal information may include your:
date of birth;
mailing or residential address details;
contact details such as telephone numbers, email addresses, social media platform username;
occupation and place of work;
government issued identifiers such as tax file number, medicare number, passport, driver’s license number etc.;
bank account and credit card details;
credit history, credit capacity, ability to be provided with credit or credit worthiness;
signature, photograph, video or audio recording; and
sensitive information such as information relating to your health, biometric data, criminal history, racial or ethnic origin.
3. Credit Personal information
3.1 We may collect and use credit information and credit eligibility information about you (Credit Personal Information). Credit Personal Information may include the following types of information about individuals:
(a) identification information including current and prior names and addresses, any known aliases, date of birth, gender, current or last known employers and driver’s licence number;
(b) bank account details;
(c) financial details;
(d) payment information, including repayment history and payments owed for a relevant account with us or with another credit provider;
(e) a statement that an information request has been made about the individual in relation to credit;
(f) the type of credit and the amount of credit sought in an application;
(g) monthly purchase amounts;
(h) default information (and where a default has been remedied, payment information or new arrangement information);
(i) court proceedings information, which includes information about a judgement against an individual that relates to any credit that has been provided to, or applied for, by the individual;
(j) personal insolvency information;
(k) publicly available information as to the individual’s credit worthiness (subject to some exceptions);
(l) credit reporting information we receive from a credit reporting body including scores, ratings, summaries, evaluations, and other information relating to an individual’s credit worthiness which is derived by us or by a credit reporting body wholly or partly from any of the information above;
(m) information that we derive from the credit reporting information we receive from credit reporting bodies which includes information about credit history with other credit providers; and
(n) certain administrative information relating to credit, such as account and customer numbers.
We, or service providers on our behalf, may hold credit related information about you in computer systems, electronic form, digital records, telephone recordings or in paper files.
4. Credit Reporting Bodies
4.1 We access and disclose Credit Personal Information to the following credit reporting bodies. These credit reporting bodies may include your Credit Personal Information in reports provided to other credit providers to assist them to assess your credit worthiness:
Illion Pty Ltd
PO Box 7405, St Kilda Road, Melbourne, VIC 3004
Equifax Australia Information Services and Solutions Pty Ltd
Postal address: PO Box 964, North Sydney, NSW 2059
Experian Australia Credit Services Pty Ltd
Postal address: PO Box 1969, North Sydney, NSW 2060
4.2 Credit reporting bodies are required to have a policy which explains how they will manage your Credit Personal Information. If you would like to read the policies of these credit reporting bodies please visit their websites or contact them directly for further information.
4.3 If you fail to meet your payment obligations in relation to consumer credit or you commit a serious credit infringement, we may be entitled to disclose this to the Credit Reporting Body;
4.4 You have the right to request that a credit reporting body exclude your credit personal information from being used by them in connection with pre-screening for direct marketing requested by a credit provider. You should contact each relevant credit reporting body directly if you wish to request this.
4.5 You have the right to request that a credit reporting body not use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, if you suspect that someone is using your identity details to apply for credit). You should contact each relevant credit reporting body directly if you wish to request this.
5. Sensitive information
5.1 We may collect ‘sensitive information’ as defined under the Privacy Laws, when required, however we restrict collection of such sensitive information to circumstances where we have either obtained your express consent or a permitted general situation exists.
5.2 Sensitive information is personal information that includes information relating to your health, racial or ethnic origin, criminal history, sexual orientation, membership of any trade or professional associations.
6. What happens if I do not provide information that has been requested?
6.1 If you do not allow us to collect all of the personal information we reasonably request, we may not be able to deliver our services to you or on your behalf to your customers or be unable to identify you to protect you against fraud.
7. How we use your personal information
7.1 In this Section 7 we have set out:
the general categories of personal information that we may process;
in the case of personal information that we did not obtain directly from you, the source and specific categories of that data;
the purposes for which we may process personal information; and
the legal bases of the processing.
7.2 We may process data about your use of our website and services (“usage data”). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services.
7.3 We may process your account data (“account data”). The account data may include your name, contact details, email address, payment details when you make a payment to us and any other information that you provide to us. The account data may be processed for the purposes of operating our website, performing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you.
7.4 We may process your information included in your personal profile on our website (“profile data”). The profile data may include your name, address, telephone number, email address, gender, date of birth and employment details. The profile data may be processed for the purposes of enabling and monitoring your use of our website and providing our services to you.
7.5 We may process your personal information that is provided to us in the course of providing our services for your use (“service data”). The service data may include your profile data including your personal information. The source of the service data is information that you provide to us, your creditor provides to us and information that we receive from government registries and agencies. The service data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you.
7.6 We may process information (that is not confidential) that you post for publication on our website or through our services (“publication data”). The publication data may be processed for the purposes of enabling such publication and administering our website and services.
7.7 We may process information contained in any enquiry you submit to us regarding our services (“enquiry data”). The enquiry data may be processed for the purposes of offering, marketing and selling relevant services to you. The legal basis for this processing is either consent, the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract or our legitimate interests, namely the proper administration of our website and business.
7.8 We may process information relating to our customer relationships, including customer contact information (“customer relationship data”). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you or your employer. The source of the customer relationship data is you or your employer. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers.
7.9 We may process information contained in or relating to any communication that you send to us (“correspondence data”). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping.
7.10 We may process information relating to transactions, including payment data and use of our services that you enter into with us and/or through our website (“transaction data”). The transaction data may include your contact details, your card details and the transaction details. The source of the transaction data is you and/or our payment services provider. The transaction data may be processed for the purpose of supplying the services and keeping proper records of those transactions.
7.11 We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (“notification data”). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters.
7.12 We may communicate with you via social media platforms or we may collect personal information about you from social media platforms if you publicly comment or send us a direct message via any social media platform that we use (“social media data”). The social media data may be processed for the purpose of supplying the services to you and keeping proper records of those communications.
7.13 We may process any of your personal information identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
7.14 We may process any of your personal information identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice.
7.15 In addition to the specific purposes for which we may process your personal information set out in this Section 5, we may also process any of your personal information where such processing is necessary for the performance of our contracts and compliance with our contractual arrangements with our clients, any legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
7.16 The legal basis for the processing of your personal information is either:
the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract;
you are posting any publication on our website;
our legitimate interests, namely;
to comply with our legal and regulatory obligations;
the proper administration of our website and business;
monitoring and improving our website and our services;
the proper management of our customer relationships;
communications with users;
the protection and assertion of our legal rights, your legal rights and the legal rights of others (as applicable);
the proper protection of our business against risks; and
for any other purpose permitted by law.
8. Providing your personal information to others
8.1 We may disclose your personal information to any member of our group of companies (this means our ultimate holding company and all of its subsidiaries – see cl 12.2 for further information) insofar as reasonably necessary for the purposes, and on the legal basis, set out in this policy.
8.2 We may disclose your personal information to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
8.3 We may disclose personal information to our suppliers or subcontractors insofar as reasonably necessary to provide the relevant services to you.
8.4 We may disclose financial transactions relating to our website and payments via our payment services provider. We will share transaction data with our payment service provider only to the extent necessary for the purposes of processing your payments and dealing with complaints and queries relating to such payments.
8.5 In addition to the specific disclosures of personal information set out in this Section 8, we may disclose your personal information where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal information where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
9. Retaining and deleting personal information
9.1 This Section 9 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.
9.2 Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
9.3 We will retain your personal information for as long as legally required and when we no longer are legally required or have a legitimate purpose to retain it we will either destroy it, desensitize it or anonymize it.
9.4 Notwithstanding the other provisions of this Section 9, we may retain your personal information where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
9.5 We may also de-identify your personal information which we have collected for the purposes described in this Privacy and Credit Reporting Policy. As a result, this Privacy and Credit Reporting Policy and Privacy Laws will generally not apply to our use of de-identified information. However, we will continue to safeguard this de-identified information.
10. Security of personal information
10.1 The security of your personal information is important to us. We will take appropriate technical and organisational precautions to secure your personal information and to prevent the loss, misuse, unauthorized access, disclosure or alteration of your personal information.
10.2 We will store all your personal information on secure servers, personal computers and mobile devices, and in secure manual record-keeping systems.
10.3 Much of the information we hold about you will be stored electronically. We store your information in secure data centres that are located in Australia. We also store information in data centres of our contracted service providers (including cloud storage providers), and some of these data centres may be located outside of Australia.
10.4 Some information we hold about you will be stored in paper files.
10.5 We use a range of physical, electronic and other security measures to protect the security, confidentiality and integrity of the personal information we hold both in Australia and overseas. For example:
access to our information systems is controlled through identity and access management controls;
employees and our contracted service providers are bound by internal information security policies and are required to keep information secure;
all employees are required to complete training about privacy and information security; and
we regularly monitor and review our compliance with internal policies and industry best practice.
10.6 You acknowledge that the transmission of unencrypted (or inadequately encrypted) data over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet and you do so at your own risk. Our website links to external websites and we take no responsibility for the privacy practices or the content of these other sites.
10.7 We will not sell your personal information to other companies or organisations.
11. Can you remain anonymous or use a pseudonym when dealing with us?
11.1. Where it is lawful and practical to do so, you may wish to deal with us without providing any personal information, such as by providing a pseudonym or dealing with us anonymously, when you make general enquiries. However, in order to provide our services to you, we will need to identify you.
12. Overseas Recipients
12.1 In this Section 12, we provide information about the circumstances in which your personal data may be transferred to countries outside of Australia.
12.2 We and our other group companies have offices in Australia, the USA, Columbia, Brazil, the EU and elsewhere around the world.
12.3 You acknowledge that personal information that you submit for publication through our website or services may be available, via the internet, around the world. We cannot prevent the use (or misuse) of such personal data by others.
13. Notifiable Data Breaches
13.1 From February 2018, the Privacy Act includes a new Notifiable Data Breaches scheme (NDB) which requires us to notify you and the Office of the Australian Information Commissioner (OAIC) of certain data breaches and recommend steps you can take to limit the impacts of a breach (for example, a password change).
13.2 The NDB scheme requires us to notify about a data breach that is likely to result in serious harm to affected individuals. There are exceptions where notification is not required. For example, where we have already taken appropriate remedial action that removes the risk of serious harm to any individuals.
13.3 If we believe there has been a data breach that impacts your personal information and creates a likely risk of serious harm, we will notify you and the OAIC as soon as practicable and keep in close contact with you about the nature of the breach, the steps we are taking and what you can do to reduce the impacts to your privacy.
13.4 If you believe that any personal information, we hold about you has been impacted by a data breach, you can contact us using the contact details below.
14. Your rights
14.1 In this Section 14, we have summarised the rights that you have under the Privacy Laws. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.
14.2 The summary of your principal rights under Privacy Laws are:
to request, at any time, for us to inform you of the personal information we hold about you;
the right to access;
the right to rectification;
the right to erasure (where we have no legitimate right or business requirements to retain your personal information);
the right to restrict or object to processing (where we have no legitimate right or business requirements to retain your personal information);
the right to complain to a supervisory authority; and
the right to withdraw your consent (where we have no legitimate right or business requirements to retain your personal information).
14.3 You have the right to confirmation as to whether or not we process your personal information and, where we do, access to the personal information, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal information concerned and the recipients of the personal information. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal information. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.
14.4 You have the right to have any inaccurate personal information about you rectified and, taking into account the purposes of the processing, to have any incomplete personal information about you completed. If we refuse your request to correct your personal information, you also have the right to request that a statement be associated with your personal information noting that you disagree with its accuracy.
14.5 In some circumstances you have the right to the erasure of your personal information without undue delay. Those circumstances include: the personal information that is no longer necessary in relation to the purpose for which it was collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable Privacy Laws; the processing is for direct marketing purposes; and the personal information has been unlawfully processed. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.
14.6 In some circumstances you have the right to restrict the processing of your personal information. Those circumstances are: you contest the accuracy of the personal information; processing is unlawful but you oppose erasure; we no longer need the personal information for the purposes of our processing, but you require personal information for the establishment, exercise or defence of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal information. However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.
14.7 You have the right to object to our processing of your personal information on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or in the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defence of legal claims.
14.8 You have the right to object to our processing of your personal information for direct marketing purposes (including profiling for direct marketing purposes). If you make such an objection, we will cease to process your personal information for this purpose.
14.9 To the extent that the legal basis for our processing of your personal information is:
that the processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract, and such processing is carried out by automated means,
you have the right to receive your personal information from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.
14.10 If you consider that our processing of your personal information infringes Privacy Laws, you have a legal right to lodge a complaint with the Office of the Australian Information Commissioner.
14.11 To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.
14.12 We usually will respond to you within 30 days of receiving your request.
14.13 We may refuse to give you access to the personal information we hold about you if we reasonably believe that giving access would pose a serious threat to the life, health or safety of an individual, or to public health or safety, where giving access would be unlawful, where giving access would have an unreasonable impact on the privacy of other individuals, or if we consider the request to be frivolous or vexatious.
14.14 If we refuse to give you access to or to correct your personal information, we will give you a notice explaining our reasons except where it would be unreasonable to do so.
14.15 You may exercise any of your rights in relation to your personal information by contacting us. If you have a question or complaint about how your personal information is being handled by us, our affiliates or contracted service providers, please contact us first on the following email: email@example.com
15. Third party websites
15.1 Our website includes hyperlinks to, and details of, third party websites. We have no control over, and are not responsible for, the privacy policies and practices of third parties.
16. About cookies
16.1 A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
16.2 Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
16.3 Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
17. Cookies that we use
18. Managing cookies
18.1 Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain from the browser that you use up-to-date information about blocking and deleting cookies.
18.2 Blocking all cookies will have a negative impact upon the usability of many websites.
18.3 If you block cookies, you may not be able to use all the features on our website.
19.1 We may update this policy from time to time by publishing a new version on our website.
19.2 You should check this page occasionally to ensure you are happy with any changes to this policy.