Allied Natural Wood Enterprises Pty Ltd (ANWE) (identified by the Pentarch Forestry brand) is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information. We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information. A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at www.aoic.gov.au.
1. What Personal Information does ANWE collect?
ANWE collects personal information where reasonably necessary for the primary purposes of providing our services to you and providing information to our clients. Personal information that ANWE may hold includes the following:
- name, address and contact details;
- date of birth;
- employment and income detail;
- bank account details;
- details of the products and services provided to an individual by ANWE;
- details of an individual’s dealings with ANWE, including records of telephone, email and online interactions;
- credit-related personal information (see section 4 below).
2. How ANWE Collects Personal Information
ANWE collects personal information directly from an individual where reasonable and practical to do so. ANWE may also collect your personal information from a third party source, including:
- other entities who provide services to ANWE and where those services are related to the products and services provided to an individual by ANWE;
- publicly available sources of information;
- an individual’s representatives (e.g. professional adviser, partner);
- subsidiaries of ANWE.
In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.
3. Use and disclosure of personal information
ANWE collects, uses and discloses personal information generally to provide an individual with products and services requested, and to respond to queries. ANWE may also use personal information to make an individual aware of ANWE’s other products and services or offerings provided by ANWE in conjunction with its business partners or associates. ANWE may not be able to do these things without the individual’s personal information. ANWE may also collect, use and disclose personal information in connection with potential or actual unlawful activity, misconduct or transfers of ANWE’s business or assets.
ANWE understands the importance of keeping personal information private and only discloses such information to third parties in limited circumstances. Third parties with whom ANWE usually exchanges information include:
- credit providers and credit reporting agencies;
- an individual’s representatives;
- ANWE’s professional advisers including legal, accounting, auditing and business consulting advisers;
- government and regulatory authorities; and
- subsidiaries of ANWE Limited.
ANWE also exchanges personal information with contractors who manage services provided to an individual on ANWE’s behalf, or who provide services to ANWE, including:
- mailing services;
- billing and debt recovery functions;
- customer injury services;
- marketing functions;
- website, data management and technology services.
Parties to which ANWE discloses personal information may be located in Australia and other countries.
4. Credit-Related Personal Information
ANWE sometimes provides products and services to customers on credit. In connection with this credit, ANWE does in some cases handle certain consumer credit-related personal information described below (credit-related personal information), including information from credit reporting bodies (CRBs). For example, ANWE may handle this information in providing credit to sole traders, or where individuals such as directors provide personal guarantees for credit ANWE provides to their companies.
ANWE may collect and hold any types of credit-related personal information about an individual permitted under the Privacy Act, including:
- name, sex, date of birth, driver’s licence number, employer and three most recent addresses;
- confirmation of previous information requests to CRBs made by other credit providers and credit insurers about the individual;
- details of previous credit applications, including the amount and type of credit and credit limit;
- details of current and previous credit arrangements, including credit providers, start/end dates and certain terms and conditions;
- permitted payment default information, including information about related payment arrangements and subsequent repayment;
- information about serious credit infringements (e.g. fraud);
- information about adverse court judgments and insolvency;
- publicly available information about the individual’s credit worthiness;
- any credit score or credit risk assessment indicating a CRB’s or credit provider's analysis of the individual’s eligibility for consumer credit
This information may include information about an individual’s arrangements with other credit providers as well as with ANWE.
ANWE may disclose credit-related personal information to CRBs to assist the CRBs to maintain information about individuals to provide to other credit providers for credit assessments. ANWE may collect credit-related personal information from CRBs for purposes including, to the extent permitted by law, to assess relevant credit or guarantee applications, manage and review the credit or guarantee, assign debts, collect overdue payments and produce assessments and ratings in respect of the individual’s credit worthiness. ANWE may also exchange credit- related personal information with guarantors, debt buyers and other credit providers.
The CRBs ANWE may use include:
- Veda, PO Box 964 North Sydney 2059, www.mycreditfile.com.au, 1300 762 207;
- Creditworks Australia, Suite 1218, 100 Walker Street, North Sydney, NSW, 2060, www.creditworks.com.au, firstname.lastname@example.org, (02) 8188 2363
Under the Privacy Act, individuals may request CRBs not to:
- use their credit-related personal information to determine their eligibility to receive direct marketing from credit providers; and
- use or disclose their credit information, if they have been or are likely to be a victim of fraud.
5. Further Information
5.1 How ANWE Stores Personal Information
ANWE stores personal information at its own premises and with the assistance of its service providers. ANWE maintains strict procedures and standards and takes a range of steps to prevent unauthorised access to, or disclosure of, personal information and protect an individual’s information from misuse or loss. Once an individual’s information is no longer needed by ANWE, reasonable steps are taken to destroy or de- identify it.
5.2 Accessing and Updating Personal Information
In most cases an individual can gain access to or update personal information held by ANWE. To make a request to access or update personal information held by ANWE, contact ANWE in writing. ANWE may need to verify your identity. ANWE may charge a fee to cover the cost of retrieving and copying requested information.
5.3 Complaints and Further Information
Further information may be obtained about how ANWE manages personal information from the Privacy Officer (see contact details below). If an individual believes that ANWE has breached its privacy obligations or that individual’s privacy rights in any way, a complaint can be made to the Privacy Officer (see contact details below). ANWE will endeavour to act promptly in response to a complaint.
ANWE Contact Details:
The Privacy Officer
Level 1, 99 Coventry Street, Southbank Vic 3006