Thank you for applying for a credit account with Southern Cross Austereo.
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 1300 738 446
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
SOUTHERN CROSS AUSTEREO – CREDIT REPORTING POLICY
Southern Cross Austereo Pty Ltd (ACN 109 243 110) and our related bodies corporate (together SCA) operate a number of commercial radio stations, television stations, websites, and other media platforms throughout Australia. In the course of conducting our business we may provide advertising clients with commercial credit.
We are committed to the protection of your credit information and credit eligibility information and to meeting the relevant standards set out in the Privacy Act 1988 (Cth) (the Act) and the Privacy (Credit Reporting) Code 2014 (the Code). This Credit Reporting Policy sets out how we collect and use of credit information and credit eligibility information.
In this Policy, we use the term “Credit Details” to refer to both “credit information” and “credit eligibility information”, as those terms are defined in the Act. Essentially, your Credit Details are personal information about your credit history and credit worthiness.
This Policy should be read together with our Privacy Policy (available at www.southerncrossaustereo.com.au), which explains how we handle personal information.
Collection of Credit Details
What kind of Credit Details we collect and hold
We collect, hold, use and disclose Credit Details about you if you are a sole trader, partner or director of a business that has applied for or obtained a commercial credit facility on its trading account with us, or if you are acting as a personal guarantor for a commercial credit facility provided by us.
The kind of Credits Details that we collect and hold about you will depend on the nature of our business with you, but may include things such as:
• identification details (such as name, date of birth, gender, current and previous two address, name of your current and last known employer and driver’s licence number);
• details of your credit history, including details of:
O consumer credit that you have applied for including any credit limits and the date that credit was made available;
O credit that you have successfully obtained including certain terms and conditions such as repayment and interest obligations;
O repayment and default history in respect of consumer credit contracts including statements in respect of default amounts that have since been repaid;
O court proceedings information;
O credit history information requests that credit providers, mortgage insurers or trade insurers have made about you including the type and amount of credit sought in that application;
O an opinion that you have committed a serious credit infringement;
• personal insolvency information about you;
• certain publically available information about your activities in Australia and your creditworthiness; and
• credit reports, credit eligibility assessments and other information about your creditworthiness produced by us, a credit reporting body or another credit provider.
Why we collect Credit Details
We collect and use Credit Details and related personal information to assess, administer and enforce commercial credit arrangements on our trading accounts.
We also use Credit Details to participate in the credit reporting system by sharing Credit Details with credit reporting bodies and other credit providers where permitted or required by the Act.
How we collect Credit Details
We collect Credit Details in a number of ways. Generally, we will collect Credit Details about you that you provide to us when you apply for a commercial credit arrangement with us (for example, identification information, details of the type and amount of credit sought and information about your business and assets).
We may also generate Credit Details in the course of administering our relevant commercial credit arrangements with you. This information may include, for example, repayment and default records and internal creditworthiness assessments that we produce about you.
Where permitted by law and subject to obtaining your consent (where required), we may also collect Credit Details (including credit history and creditworthiness information) about you from:
• publically available sources (such as public databases and records);
• our related companies and joint ventures (which include Darwin Digital Television, Tasmania Digital Television and Central Digital Television); and
• credit reporting bodies (for example, we may obtain individual commercial credit reports on you from businesses such as Veda Advantage and Dun and Bradstreet); and
• other credit providers (for example, we may obtain trade references from similar businesses that offer credit facilities on their trade accounts).
Use and disclosure of Credit Details
How we use and disclose your Credit Details
We use and disclose Credit Details for the purposes described above.
Where permitted by law and subject to obtaining your consent (where required), we disclose Credit Details:
• to credit reporting bodies (see below for details);
• to other credit providers, some of which may be located overseas, including in New Zealand (for example, we may provide trade references to other similar businesses that offer credit facilities on their trade accounts);
• to our agents, service providers and contractors (such as credit control staff, debt collectors, customer service organisations, insurance providers, website and data hosting providers and other IT suppliers);
• to our accountants, insurers, lawyers, auditors and other professional advisers;
• to other related companies and joint ventures in the Southern Cross Austereo group (including Darwin Digital Television, Tasmania Digital Television and Central Digital Television);
• in the event that we or our assets are or may be acquired by a third party, to that third party and their advisors; and
• where permitted or required by law, or otherwise with your consent.
Credit Reporting Bodies
We disclose personal information and limited Credit Details to credit reporting bodies for the purpose of obtaining credit reports about you. These credit reports generally include details of your credit history and may sometimes include an assessment of your creditworthiness.
When we obtain Credit Details about you from a credit reporting body we may use those Credit Details to assess your creditworthiness. We may also produce other documents, reports and materials setting our assessment of your creditworthiness.
Where permitted or required by law, we may also disclose other types of Credit Details (such as default information) about you to credit reporting bodies as part of our participation in the credit reporting system.
We currently disclose Credit Details to the following credit reporting bodies, which have their own credit reporting policies that describe how they manage Credit Details. The credit reporting policy (and most up-to-date contact details) for each credit reporting body are found on their websites.
• Veda Advantage Limited
www.veda.com.au and www.mycreditfile.com.au
• Dun & Bradstreet
www.dnb.com.au and www.checkyourcredit.com.au
• Creditor Watch
www.creditorwatch.com.au
Data Quality
We take reasonable steps to ensure that the Credit Details we collect, use or disclose are accurate, complete, relevant and up-to-date in accordance with the requirements of the Act.
If the Credit Details we hold about you are incorrect or change, please contact us using the details below so that we can update our records.
Data Security
Your Credit Details are stored in secure computer storage systems and paper based files and in other records. We may also engage third party service providers to assist in storing and processing certain types of Credit Details for us.
We take reasonable precautions to ensure that your Credit Details are protected from misuse, interference and loss and from unauthorised access, modification and disclosure.
Access and correction
If you wish to request access to credit eligibility information that we hold about you, or correction of any credit information or credit eligibility information that we hold about you, please contact us as set out below.
Generally, we will provide you with access unless one of the exceptions set out in The Act applies to your request, where providing access would be unlawful, such as where we are required by law not to disclose the information, or where giving access would be likely to prejudice enforcement related activities by or on behalf of an enforcement body. If we refuse to provide you with access to the requested information, we will provide you with written notice of our decision and our reasons for reaching that decision.
Where permitted by the Act we may charge a fee for giving access to this information, in which case we will inform you of the fee (which will not be excessive) in advance of providing the information.
More information and complaints
If you believe that we have not complied with this Policy, the Act or the Code and wish to make a complaint, please contact us on the details below.
We will take any privacy complaint seriously, and we aim to resolve all complaints in a timely and efficient manner. We will acknowledge receipt of a complaint within 7 days and advise you of how we propose to deal with the complaint. We will endeavour to resolve the complaint within 30 days or such other timeframe we agree with you. We request that you cooperate with us during this process and provide us with relevant information we may require. Depending on the nature of your complaint, we may need to consult with third parties (such as a credit reporting body or another credit provider) in order to address your complaint.
We expect our procedures will deal fairly and promptly with your complaint. However, if you are unsatisfied with our response, you can make a complaint to the Office of the Australian Information Commissioner (OAIC) on by calling 1300 363 992 or visiting the OAIC website at www.oaic.gov.au.
Contact us
Mail: The Privacy Officer
Southern Cross Austereo
PO Box 345
South Melbourne, VIC, 3205
Email: privacy@sca.com.au
Phone: (03) 9252 1019
Changes to this Policy
SCA will review this Policy from time to time to ensure that it accurately reflects our practices and procedures as well as any changes in the law. We will notify you of any changes to this Policy by posting an amended version on our website (www.southercrossaustereo.com.au), and changes will take effect from the date of posting.
Last updated: October 2016