It includes important information about how Credit Simple may disclose personal information to D&B and Clear Name when you choose to use services that are offered to Credit Simple members by D&B and Clear Name on the Credit Simple Website.
Credit Simple recognises the importance of protecting the privacy of our customers and other third parties who provide personal information to us, whether directly or indirectly. Credit Simple is not a credit reporting body, and will never share information about your creditworthiness to other agencies.
We will only collect sensitive information revealing your race, ethnicity, trade union memberships or other sensitive information if you have given us express consent to do so, and:
If you use Clear Name’s services (as detailed below), Credit Simple may collect information about any repayments that you make via Clear Name, to enable Credit Simple to assist with ensuring that D&B updates your credit report as soon as possible.
Access to credit information held by D&B
From time to time we may collect, use, store and disclose non–identifiable information relating to your use of the Website. For example, we may record information such as the areas of our website that you visit along with the time, date and URL of the pages you access, your IP address and / or the previous website that you visited before linking to the Website.
Personal information about you may be collected by us in a number of circumstances, including if you:
We may also use, store and disclose information that we collect in connection with Credit Simple’s services, in a fully anonymised form, for research and analytical purposes.
If someone other than you provides us with personal information about you that we did not ask for and we determine that we could have collected this information had we asked for it, we will notify you as soon as practicable, unless to do so would constitute a breach of confidence. If we determined that we could not have collected the information, we will destroy or lawfully de–identify it.
Clear Name Services
Clear Name provides an online debt repayment service, which is available exclusively to Credit Simple members, by clicking through to the Clear Name website available at www.clearname.com.au (Clear Name Website) (Clear Name’s Services). When you use Credit Simple to access your credit report, you authorise Credit Simple to disclose information from your credit report, to Clear Name, on your behalf. This enables Clear Name to calculate any repayment discounts offered by participating lenders that may be available to you (your Discounts). If applicable, Credit Simple will display your Discounts, with your credit report, on the Credit Simple Website.
You can then elect to repay applicable debts, and utilise your Discounts, by linking from the Credit Simple Website to the Clear Name Website.
If you repay a debt via Clear Name, Clear Name may notify Credit Simple, to enable Credit Simple to assist with ensuring that D&B updates your credit report as soon as possible.
Some of the entities we disclose to may be located overseas, or may disclose your personal information to parties in foreign countries who are not subject to the Privacy Act. By providing your personal information to us you consent to this disclosure.
Disclosure of your personal information to D&B
By providing us with your personal information, you consent to us using your information to contact you on an ongoing basis for these purposes, including by mail, email, SMS, social media and telephone.
If you do not wish to receive marketing information from Credit Simple you may at any time unsubscribe from receiving such information by responding via the channel in which you received the marketing communication or by updating your “communication preferences” on the “Account” page of your Credit Simple account. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
You acknowledge and agree that even if you opt out of receiving marketing material, we will still send you essential information that we are required to send you relating to the services we provide.
You may request access to any of the personal information we hold about you, including any credit–related personal information we hold about you, at any time. To request access to the personal information that we hold about you, use the contact details specified below. We may charge a fee for our reasonable costs in retrieving and supplying the information to you.
If you consider that any information we hold about you is incorrect, you should contact us to request that it is updated. Please let us know if there are any changes to the personal information you have provided to us. While we take reasonable steps to ensure that the personal information held by us is up to date, we will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.
We will respond to your request within a reasonable period of time and, where reasonable and practicable, grant access to the information in the manner requested. An explanation will be provided to you if we deny you access to your personal information we hold.
If we no longer need your personal information, we will take reasonable steps to destroy, delete or lawfully de–identify it, unless required otherwise by law.
We will endeavour to deal with any complaint by investigating the complaint, and providing a response within 30 business days, provided that we have all necessary information and have completed any investigation required. In cases where further information, assessment or investigation is required, we will seek to agree alternative time frames with you.
If you are dissatisfied with our response or wish to make a further complaint, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au/.