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Credit Simple recognises the importance of protecting personal information about individuals. This Privacy Policy explains how Credit Simple collects, uses and disclosures personal information about you that you provide to Credit Simple or authorise Credit Simple to collect.
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 (Australia) Pty Ltd ACN 614 444 790 (Credit Simple, also referred to in this policy as “us” “we” and “our”) provides users of Credit Simple’s services (referred to in this policy as “you” and “your”) with the services set out in our Terms of Use
This Privacy Policy has been developed in accordance with the Privacy Act 1988 (Cth) (Privacy Act). It sets out how your personal information may be collected, used, stored and disclosed by Credit Simple, including where you appoint Credit Simple as your agent to request information about you from a credit reporting body, DBCC Pty Ltd, part of the Dun & Bradstreet (Australia) Pty Limited ACN 006 399 677 group (D&B). The D&B group means DBCC Pty Ltd; Decision Intellect Pty Ltd; Perceptive Communications Pty Ltd; Dun & Bradstreet (Australia) Pty Limited; and Credit Simple (Australia) Pty Ltd ACN 614 444 790.
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.
By accessing www.creditsimple.com.au (Website) you agree to be bound by this Privacy Policy, and the Terms of Use (in each case, as updated from time to time).
This Privacy Policy may be amended from time to time, by publishing an updated Privacy Policy on our Website. However, we will not amend your rights to stop receiving direct marketing, as set out in section 7 below. Any subsequent access to or use by you of the Website will constitute an acceptance of the amended Privacy Policy.
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.
By disclosing your personal information to us you consent to the collection and use of your sensitive information in accordance with this Privacy Policy.
Access to credit information held by D&B
You may use the Website to request access to and correction of credit information about you held by D&B (Credit Information). Credit Information may include information about credit that was applied for or provided to you for domestic, household or personal purposes as well as information about you as a guarantor of a loan. As detailed in section 3 of the Terms of Use, we will only request Credit Information about you from D&B, or correction of that information, as your agent, when you authorise us to do so. We will only use your Credit Information for the purposes set out in section 4 below.
This Privacy Policy also applies to any other personal information that you provide to us or authorise us to collect.
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.
The personal information that we disclose to Clear Name on your behalf will be collected, held, used and disclosed by Clear Name in accordance with Clear Name’s Privacy Policy (which is available on Clear Name’s Website).
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.
Our Website may link directly to websites operated by third parties (Linked Sites). You acknowledge that Linked Sites are not operated by us. We are not responsible for the content of practice of the Linked Sites or their privacy policies regarding the collection, storage, use and dissemination of your personal information. We encourage you to always read the applicable privacy policy of any Linked Site.
Disclosure of your personal information to D&B
By requesting access to your Credit Information using the Website, you also acknowledge and agree that D&B may use the information that you authorise us to disclose to it (as detailed in this section 5) to update or correct information held on its credit bureau (including to create a record and credit score if you don’t already have one) and to provide its credit reporting services. The collection, use, storage and disclosure of personal information by D&B, and your rights to request access to and correction of that information, is subject to D&B’s privacy policy. For more information about how D&B may collect, use, store and disclose your personal information, please refer to the D&B Privacy Policy at www.dnb.com.au.
Please be aware that you must not register a Credit Simple account or access Credit Simple’s services on behalf of any other person (see section 4 of the Terms of Use).
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 can switch off cookies by adjusting the settings on your web browser. If you disable the use of cookies on your web browser or remove or reject specific cookies from our website or linked sites then you may not be able to gain access to all of the content and facilities on those websites.
We allow our Providers and their service providers to also use cookies on our site to track performance and to advertise products and services to you elsewhere on the Internet.
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/.