Thank you for applying for a credit account with PERI Australia Pty Ltd.
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 02 8805 2300
CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
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.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
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.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
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.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
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.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 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
PERI Australia Pty Limited (PERI) takes the protection of your personal information very seriously, and our company respects the privacy of individuals. This Privacy Policy of PERI outlines the way we manage personal information that is either collected by us, or is provided to us, in accordance with the following:
The Privacy Act defines ‘personal information’ as information about an identified, or reasonably identifiable, individual (including opinions about that individual).
‘Credit information’ and ‘credit eligibility information’, are types of personal information relating to an individual’s credit-worthiness, as follows: ‘
Why does PERI collect personal and sensitive information?
PERI necessarily needs to collect certain information about the people we deal with. Collecting personal information is also required in some circumstances to meet certain legal obligations.
What kind of personal information does PERI collect and how does PERI collect it?
Generally, PERI collects and holds personal information about:
The information we collect varies, depending on the purpose, and may include (but is not limited to) name, address, contact details, employment information, credit information, credit eligibility information and marketing information.
This information may be obtained through the submission of completed forms, information provided in person or by telephone by the individuals themselves, information voluntarily supplied to PERI by the individual, or information obtained from a third party such as a credit reporting body or another credit provider.
Where required or reasonably practicable, we will obtain your express consent before collecting information about you from a third party, but in all cases if we collect personal information about you from a third party, we will take reasonable steps to ensure that you are made aware of the collection.
PERI also collects a range of credit information about individuals, including the following:
PERI usually collects this information from application forms submitted by applicants for commercial credit, from publicly available sources, such as the ASIC registers, and from credit reporting bodies, other credit providers and industry credit bureaus (such as the BICB, BTC, Veda and NSW CCS).
We also collect credit eligibility information about individuals from credit reporting bodies and other credit providers. The kinds of credit eligibility information we collect depends on the purposes for which it is collected, but it largely reflects the categories of credit information described above. PERI also derives certain information from the credit eligibility information it collects from credit reporting bodies. This derivative information generally takes the form of a credit score, which we give to applicants for the purpose of assessing applications for commercial credit and/or those applying to become guarantors.
How do we use personal information and to whom may we disclose it?
Typically, PERI uses personal information to assist us to better:
Depending on the product or service concerned, personal information may be disclosed to:
We also collect, hold, use and disclose credit information and credit eligibility information about individuals to assist us to better:
In most cases, if you do not provide information about yourself that PERI has requested, PERI may not be able to provide you with the relevant product or service.
How do we treat sensitive information?
The Privacy Act defines ‘sensitive information’ as (among other things) information about a person’s racial or ethnic origin, religion, membership of political bodies, trade union or other professional or trade association, sexual preferences or practices, criminal record or health. Sometimes it may be necessary for PERI to collect sensitive information.
If you provide PERI with sensitive information, it is our Policy that this information will be used and disclosed only for the purpose for which it was provided, or another directly related purpose, unless you agree otherwise, or unless use or disclosure of this information is allowed by law.
The way we use tax file numbers and information received from a credit reporting body about an individual is also restricted by law.
How do we manage personal information?
PERI trains its employees who handle personal information to respect the confidentiality of that information and the privacy of individuals.
How do we store personal information?
PERI is required by the APPs and Part IIIA of the Privacy Act to safeguard the security and privacy of your information, whether you interact with us personally, by telephone, mail, over the internet or other electronic medium. This includes an obligation to take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, modification or disclosure. The APPs also require PERI not to store personal information for longer than is reasonably necessary to perform its functions or activities.
PERI stores information both in hard copy paper form and in soft copy electronic form. Where the information is in hard copy and of a sensitive nature, such as pay roll or credit information, PERI will take particular steps to secure the information, such as to keep it under lock and key. Electronic information is stored using PERI’s secured IT systems.
Where PERI no longer requires any personal information that we hold, we will destroy the information.
Cross-border disclosure of personal information
PERI stores and processes personal information offshore, including in some circumstances sensitive information and credit information, and credit eligibility information. For instance, PERI backs up our information to our Head Office in Germany every night. This includes the use of Outlook for all of its internal and external email communication. All email content sent to, from and between PERI employees will also be stored offshore at PERI Head Office.
Further, PERI uses Germany Head Office to store electronic files. These files may contain personal information, including sensitive information, credit information and credit eligibility information, if such information has been submitted to PERI.
By submitting personal information to PERI or by participating in email communications with PERI staff, we will infer your consent to the disclosure of all email content to Germany Head office for storage and processing offshore. Please note that, in doing so, PERI will not be required by the Privacy Act to take reasonable steps to ensure the personal information is handled in accordance with the APPs. Further, PERI will not be liable under the Privacy Act for any breaches by the overseas recipients of the personal information, nor will the user be able to seek any remedies under that Act for what might otherwise be a breach of the APPs.
PERI takes reasonable steps to protect your personal information as you transmit your information from your computer to our site and endeavours to protect such information from loss, misuse, interference, and unauthorised access, disclosure, alteration, or destruction.
Personal information will not be disclosed to overseas recipients unless PERI holds a reasonable belief that the information will remain subject to effective privacy protections and will not be collected, held, used or disclosed by the recipients of the information in a manner inconsistent with this policy.
You should keep in mind that no Internet transmission is ever 100% secure or error-free. In particular, e-mail sent to or from other recipients may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail.
How do we keep personal information accurate and up-to-date?
PERI seeks to ensure that the personal information it holds is accurate, complete and up-todate. We realise that this information changes frequently with changes of address and other personal circumstances. We encourage you to contact PERI as soon as possible in order to update any personal information we hold about you. Our contact details are set out below.
Can you access and correct the personal information we hold about you?
You may obtain access to, and correct, any personal information which PERI holds about you (including credit eligibility information), unless one of the exceptions in the Privacy Act applies.
To make a request to access information PERI holds about you, please contact PERI in writing using the details listed below. PERI will require you to verify your identity and to specify what information you require. PERI may charge a reasonable fee to cover the cost of verifying the application and locating, retrieving, reviewing and copying any material requested.
If you seek access to credit eligibility information that we hold about you, we will endeavour to provide you with access within 30 days of your request (unless unusual circumstances apply). In order to ensure that you have access to the most up-to-date information, you should also request access to the credit reporting information held by credit reporting bodies about you.
Requests to correct credit information and credit eligibility information will be assessed on a case-by-case basis.
If we are satisfied that the personal information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take reasonable steps to correct the information within 30 days of your request, or such longer period as agreed with you in writing. In certain circumstances, we may need to consult with a credit reporting body or another credit provider to determine the accuracy or otherwise of the information.
If we correct personal information about you, we will give you written notice of the correction within a reasonable time period. We will also notify you in writing if we decide not to correct the information in accordance with the requirements of the Privacy Act.
What if you have a complaint?
If you consider that any action of PERI breaches this privacy policy, the APPs, the credit reporting provisions of the Privacy Act or the CR Code, you can make a complaint using the contact details below. Please specify the nature of your complaint in writing.
PERI has an officer appointed to handle complaints. If the matter is not resolved to your satisfaction, please make contact with the relevant officer below. PERI endeavours to respond promptly to complaints.
If your complaint relates to an alleged contravention of the credit reporting provisions or the CR Code, we will acknowledge your complaint in writing within 7 days and advise you as to how we will deal with it. After investigating the complaint, we will make a decision within 30 days of the complaint being made (or such longer period as agreed with you in writing) and notify you in writing of our decision.
Please note that if you wish to make a complaint about our handling of an access and/or correction request, you may complain directly to the Office of the Australian Information Commissioner (OAIC).
How do you contact us?
If the particular PERI branch or office is unable to deal with a privacy complaint to your satisfaction, please contact PERI Australia Pty Limited by e-mail, phone, facsimile or post:
PERI Australia Pty Limited Attn: The Privacy Officer 116 Glendenning Road GLENDENNING NSW 2761 Phone: (02) 8805 2300 Fax: (02) 9675 7277 E-mail: Complete the electronic form on the Contact page of our website at www.peri.com.au or send an email to info@peri.com.au .
If you are not satisfied with our response to your complaint, you may escalate your complaint to the OAIC by calling 1300 363 992 or emailing enquiries@oaic.gov.au.
Your consent
By dealing with PERI or using its web site you agree with the terms of this Privacy Policy. Whenever you submit information via this site, you consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy, the Privacy Act 1988 (Cth) and the CR Code (as applicable).
Updates to this policy
This privacy policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment. All personal information held by PERI will be governed by PERI’s most recent policy. If you are unsure whether you are reading the most current version, please contact us.