This information in this website is general in nature and does not constitute advice. The material presented on the website is published by Brougham & Vaux Pty Ltd as an information source only.
The issues covered are designed to be a guide only and you should discuss these with your professional advisers. The content of this site does not in any way attempt to or imply provision of general or personal advice. Brougham & Vaux Pty Ltd disclaims all responsibility and all liability (including without limitation liability in negligence) for all expenses, losses, damages and costs you might incur as a result of information being inaccurate or incompliant in any way and for any reason.
Brougham & Vaux Pty Ltd disclaims all responsibility including but not limited to any interference or damage to that persons’ computer system which arises as a result of use of the site, a linked website or receipt of emails from us.
To the maximum extent permitted by law, we exclude any conditions or warranties that would otherwise be implied into these terms and conditions. Where a condition or warranty cannot by law be excluded, then that condition or warranty will be deemed included in these terms and conditions, but our liability in respect of any breach of that condition or warranty will be limited to the maximum extent permitted by law.
This Policy was last updated on 29 May 2017.
Brougham & Vaux Pty Ltd ACN 136 260 010 (“B&V”, “we”, “our” or “us”) is committed to protecting the credit related personal information (“credit information”) that we may collect and hold about you. This Policy sets out our procedures relating to management of your credit information. These procedures are based on our obligations as a credit provider under Part IIIA (Credit reporting) of the Privacy Act 1988 (Cth) (“Act”).
By voluntarily supplying us with your credit information, you are agreeing to be bound by this Policy.
Any amendments to this Policy will be notified to you by posting an updated version on our website.
Please note that our website contains links to other websites. When a user has clicked on a link to another site, they leave our site and are no longer protected by this Policy.
Collection of credit information
The credit information we may collect and hold about you includes:
- identification information- name, date of birth, current or previous address, driver’s licence number;
- trade references – name of entity, ABN, contact name, telephone number, fax number, email, years trading with you; and
- consumer credit liability information- name of credit provider, type of consumer credit, details of the consumer credit provided.
We may use “cookies” or similar technologies to collect data. A cookie is a small file, typically of letters and numbers, downloaded on to a device when you access our website. Our website collects the following information from users:
- your server address;
- your top level domain name (for example, .com, .gov, .au etc);
- the date and time of your visit to the site;
- the pages you accessed;
- the previous site you have visited; and
- the type of browser you are using.
Means of collection of credit information
Your credit information is generally collected directly by our staff when you seek, or enquire about, our services.
In some circumstances, where it is unreasonable or impracticable to collect information from you, we may collect information about you from a third party source. For example, we may collect information from a publicly maintained record or from your Accountant.
You need not provide all the information requested by us, but this may prevent us from providing some or all of our services to you.
Use, disclosure & purpose
We collect, hold and disclose your credit information for the following purposes:
- as a necessary part of providing our services to you;
- to promote and market our services to you or provide you with information that we believe may be of interest to you (unless as directed otherwise)
We will only use your information for the purposes for which it was collected (“primary purposes”) or a purpose related to the primary purpose, if this use would be reasonably expected by you, or otherwise, with your consent.
- third parties that provide services to us or through us;
- other authorised representatives of B&V; and
- other professionals that are directly involved with recommendations we make to you, including solicitors, accountants, taxation advisers, actuaries, mortgage brokers and property advisers.
We do not disclose your credit information to overseas recipients.
Quality, access to & correction of information
You are entitled to have access to and seek correction of any credit information that we may hold about you. We require that requests for access to or to update or correct your credit information to be in writing outlining the details of your request. Such requests should be addressed to the Privacy Officer via the details provided in this Policy.
We will take appropriate steps to verify your identity (or verify that you act as an authorised agent of the individual concerned) before granting a request to access your credit information.
We will respond to your request for access to your credit information within a reasonable time after you make the request and if access is granted, access will be provided within 30 days from your request. We will, on request, provide you with access to your credit information or update or correct your credit information, unless we are lawfully excluded from granting your request, including if:
- giving access would be unlawful;
- we are required or authorised by law or a court/tribunal order to deny access; or
- giving access is likely to prejudice one or more enforcement related activities conducted by an enforcement body.
Where your request for access is accepted, we will provide you with access to your credit information in a manner, as requested by you, providing it is reasonable to do so.
Your request for correction will be dealt with within 30 days, or such longer period as agreed by you. If we deny your request, we will provide you with a written notice detailing reasons for the refusal and the process for making a complaint about the refusal to grant your request.
We will accept your request for correction of your credit information where we are satisfied that it is inaccurate, out-of-date, incomplete, irrelevant or misleading.
Upon accepting a request for correction of your credit information, we will take all steps that are reasonable in the circumstances, having regard to the purpose for which your information is held, to correct your credit information.
If your request for correction of credit information is accepted we will provide written notice of this correction to any entity to which we have disclosed this information previously, to the extent that this is practicable.
Storage and Security
Your credit information will be stored as physical files in a secured area, on our electronic data base system and on computers with appropriate back up and security systems.
We take reasonable steps to hold information securely in electronic or physical form. We are committed to keeping secure the data you provide to us and we will take all reasonable precautions to protect your personally identifiable information from loss, misuse, interference, unauthorised access or alteration.
We aim to achieve this through:
- imposing confidentiality requirements on our employees;
- implementing policies in relation to document storage security;
- implementing security measures to govern access to our systems;
- only providing access to credit information once proper identification has been given; and
- controlling access to our premises.
Dealing with us anonymously
Where lawful and practicable to do so, you can deal with us anonymously or using a pseudonym. You can deal with us anonymously or using a pseudonym when making a general enquiry about the services that we can offer to you including via telephone or our website.
At the time you engage our services, it is no longer practicable for you to deal with us anonymously or using a pseudonym.
Credit Information Notifiable Matters
We do not disclose your credit information to any credit reporting bodies.
If you believe that we have breached a term of this Policy or the Act you may submit a written complaint. The written complaint can be emailed or posted to us using the contact details set out below. You must include contact details for us to contact you regarding your complaint.
Our Privacy Officer will consider your complaint and respond as soon as reasonably possible, but not more than 30 days from receiving the complaint.
If you are unsatisfied with the outcome of your complaint you may refer your complaint to the Office of the Australian Information Commissioner to be resolved.
If you wish to:
- gain access to your credit information;
- make a complaint about a breach of your privacy;
- contact us with a query about how your information is collected or used;
- contact us regarding any other matter concerning this Policy,
you can speak directly with our staff who will do their best to try to resolve your issue as simply as possible. Alternatively, you can write to us or send us an email so that our Privacy Officer can consider the matter. We will respond to you as soon as reasonably possible.
If you do not wish to receive direct marketing from us, please contact our Privacy Officer via the details below. Our contact details are as follows:
Phone: 08 8267 1414
Fax: 08 8267 6322
Privacy Officer contact: Guy Thompson
Brougham Plaza, Level 1
8-20 O’Connell Street
North Adelaide SA 5006
For more information on privacy see the Office of the Australian Information Commissioner’s website at: http://www.oaic.gov.au.