Thank you for applying for a credit account with ORAFOL Australia.
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 07 5609 9152.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
CreditorWatch Privacy Officer
GPO Box 4029 Sydney NSW 2001
1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
ORAFOL Australia PTY LTD
ABN 24 065 420 706
TABLE OF CONTENTS
2. WHO TO CONTACT
3. WHO DOES THIS POLICY APPLY TO
4. WHY WE COLLECT PERSONAL INFORMATION
5. HOW WE MAINTAIN AND MANAGE YOUR PERSONAL INFORMATION
6. OUR WEBSITES AND EMAIL
7. DIRECT MARKETING
8. HOW YOU MAY ACCESS YOUR PERSONAL INFORMATION
9. WHEN WE MAY WITHHOLD ACCESS TO YOUR PERSONAL INFORMATION
ORAFOL Australia Pty Ltd ABN 24 065 420 706 (“Company”, “We”) is sensitive to the concerns that you, our customers, may have with the confidentiality and handling of your personal information. We take your privacy very seriously.
Therefore, we ask that you take the time to read this document which sets out how we handle, maintain and secure your personal information.
Christine Plant on 07 5609 9152 or email firstname.lastname@example.org or mail to 8 Blanck Street, Ormeau, Queensland, 4208.
4.1 Information we hold
We generally hold personal information about our customers. This information can include their contact details, buying habits and transactional details.
4.2 Why we need personal information
You are always allowed to deal with us on an anonymous basis. However, as a provider of goods and services, we sometimes find it necessary to collect certain information from you.
There are a number of ways in which we may collect information from you. These include:
. application forms;
. our website (including cookies);
. over the phone; and
. when you purchase anything from us via your credit card.
In addition, there may also be certain laws which may require us to collect personal information from you. Where these apply, we will provide you with information about our legal equirements when we collect your personal information.
4.3 What about Credit Card details
To safeguard your credit card details, we will not collect or store your credit card details on this website. Sensitive cardholder data is managed independently by either Securepay Pty Ltd or Westpac Pty Ltd through the Securepay or Westpac internet payment gateway. All credit card transactions are SSL encrypted by the Payment Gateway provider with Fraud Minimisation tools such as 3D Secure or FraudGuard used for your added security.
4.4 What about ‘sensitive information’?
We will not ask you for information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or details of health, disability or sexual activity or orientation, unless:
(a) you consent to providing that information to us;
(b) the collection of that information is specifically authorised by law;
(c) the collection is necessary to lessen a serious or imminent threat to your health or safety or the health or safety of another person; or
(d) the collection of the information is necessary for the establishment, exercise or defence of a legal claim.
4.5 What happens if you do not provide personal information
If you do not provide us with accurate or complete information when we request it, we may not be able to provide you with a proper level of service.
5.1 Who may view your personal information
We will only grant access to others to view your personal information where we believe it is necessary, and in your best interests, for those people to view your personal information.
In general, only our employees or subcontractors may view your personal information.
We will only disclose personal information to a third party if:
(a) that disclosure is required to give effect to the purposes for which we collected the information;
(b) we have your consent to that disclosure;
(c) we believe that the disclosure may lessen a risk of harm to your health or safety, or to the health or safety of another person;
(d) we are required by law to disclose the information;
(e) the disclosure is required for the enforcement of a criminal law or a law imposing a pecuniary penalty or for the protection of public revenue; or
(f) the third party is our agent or contractor and is required by us to keep that personal information confidential and will only use that information for the purposes for which it is disclosed.
5.2 International transfers
If we transfer your personal information overseas, we will first obtain your written consent before doing so and will take reasonable steps to ensure that the overseas organisation complies with our privacy obligations to you.
5.3 Where is your personal information stored?
We may store your personal information in both hard copy and on computer. Hard copy information is kept under lock and key. Information stored on computer is generally password protected.
5.4 Updating your personal information
If at any time you believe that any of your personal information that we store is not accurate or is out of date, please let us know by contacting our Customer Service Manager.
Any personal information collected from you via our websites and via email are governed by this policy.
We may also track your viewing habits to allow us to tailor your web surfing experience.
Where we communicate by email with you, we may ask you for personal information which is related to the purpose of that communication.
If we collect personal information for direct marketing purposes (either to market ours or someone else’s products), then we will try to first obtain your consent before we market directly to you.
If we cannot practically obtain your consent, then we may still directly market to you, provided that:
(a) we advise you that you can be taken off the mailing list at any time;
(b) you have not previously asked to be taken off the mailing list; and
(c) we display our contact details clearly in each direct marketing publication.
If you wish to be taken off any mailing list, please contact our Customer Service Manager.
You may access your personal information by contacting our Customer Service Manager.
We will use our best efforts to take less than 30 days to respond to your request.
We may also charge you a reasonable fee for providing access to your personal information.
9.1 When we can withhold your information;
We may withhold access to your personal information in a number of circumstances. These include where:
(a) providing access would pose a serious and imminent threat to the life or health of a person;
(b) providing access would have an unreasonable impact on the privacy of others;
(c) the information is subject to confidentiality where the person who provided the information to us did so expressly on the condition that it remains confidential;
(d) the request is vexatious or frivolous;
(e) the information relates to legal proceedings between us and the information would not be required to be discovered to a court ;
(f) we are in commercial negotiations with you and the information would reveal our intentions;
(g) providing access would be unlawful or we are required by a law to withhold access; or
(h) providing access could prejudice the investigation or detection by our organisation or by a government body of an unlawful activity or some serious or improper misconduct.
(i) the entity has reason to suspect that unlawful activity, or misconduct of a serious nature, that relates to the entity’s functions or activities has been, is being or may be engaged in;
(j) giving access would be likely to prejudice the taking of appropriate action in relation to the matter; or
(k) giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body; or
(l) giving access would reveal evaluative information generated within the entity in connection with a commercially sensitive decision-making process.
Where we do withhold your personal information, we may instead choose to give you a summary of that information.
9.2 Written reasons
If we do withhold your personal information, we will provide you with written reasons.
9.3 Third party intermediary
If we withhold access to your personal information, we will consider whether the provision of access to an independent third party will meet both of our needs.
If you have any complaints concerning the collection and/or use of personal information you should contact our Finance Director: Christine Plant on 07 5609 9152 or email email@example.com or mail to 8 Blanck Street, Ormeau, Queensland, 4208.