This Privacy Statement applies to Axsesstoday Limited (and all related entities) of level 9, 360 Collins Street, Melbourne VIC 3000, (Axsesstoday or “we” or “our”, as relevant).
1. Who we are and what this statement is about
Axsesstoday is a specialist commercial financial services provider. In the process of providing services, Axsesstoday may collect, receive, deal with and store the personal information. Axsesstoday is committed to safeguarding your personal information it collects, receives and discloses and is committed to doing so in accordance with the requirements of the Privacy Act, 1988 Commonwealth (Privacy Act) as amended from time to time. This statement describes our commitment in relation to protecting your privacy.
2. What information does this statement apply to?
This statement only applies to personal information as defined in the Privacy Act. Generally speaking, personal information is information (or opinion), in any form, about an individual (not a business, company or trust) whose identity is apparent or can be ascertained from the information held. Our obligation in relation to information we collect as part of a commercial arrangement is governed by the confidential information undertaking in the commercial financial services arrangement. By signing the lease agreement with us, you agree to the collection, use and disclosure of personal information as set out in this Privacy Statement. You do not have to disclose personal information to us. If you do not agree or do not provide some or all of the information requested, we may not be able to process or accept your application.
3. Our general commitment
Axsesstoday undertakes to collect, store and use personal information only in a manner which is compliant with the Privacy Act. Axsesstoday will not use or disclose personal information other than for: (a) a purpose set out in this Privacy Statement; (b) for a purpose for which the information was provided; (c) for a purpose required or permitted by law; (d) a purpose you authorised or is disclosed to you; and (e) to give effect to your instructions. Axsesstoday may collect, store and or disclose information about you to third parties for the following purposes: (a) to comply with the law; (b) to obtain a credit report about you, (c) to allow the credit reporting agency to create or maintain a credit information file containing information about you. (d) to provide you with promotional information about financial services and products we may provide (see section 7); (e) to manage and administer the agreement with you; (f) to protect our lawful interests; (g) to give effect to your instructions; and (h) If we negotiate with a third party the possibility of an acquisition of part or the whole of our business.
4. Our collection and disclosure of personal information
Axsesstoday collects and discloses personal information as it may become necessary to process your application and give effect to your instructions. The information we may collect or disclose includes, when permitted by law: (a) identification information; (b) the fact that you have applied for credit, the type of credit and the amount; (c) whether repayments are more than 60 days overdue; (d) the fact that any overdue payments are no longer overdue or a default is remedied; (f) information whether you have committed a serious credit infringement (that is, acted fraudulently or shown an intention not to comply with your credit obligations); (g) information about dishonoured cheques; (h) repayment history; (i) information about court judgments against you; (j) any information which is publicly available and relevant to your credit worthiness; (k) certain insolvency information from the National Personal Insolvency Index. Third Party Service Provider Subject to the Privacy Act, in the process of providing you with the services, we may share personal information with related bodies corporate and with third parties with whom we have dealings in the usual course of carrying on our business. These third-party service providers may include agents, portfolio managers, mailhouse operators, collection agencies, research providers, dispute resolution schemes, accounting and legal advisers.
5. Access to your personal information
You have the right to seek access to any information we hold about you by writing to our privacy officer at firstname.lastname@example.org. We may charge you a fee to access and or correct your personal information that is held with us. You have the right to ask us to correct any information we hold about you if the information is inaccurate or erroneous.
6. Security of your personal information
Axsesstoday maintains strict procedures and standards and takes all reasonable care to prevent unauthorised access to, and modification and disclosure of, your personal information. Axsesstoday will protect any personal information it holds against misuse or loss. If we no longer need the personal information, we will take steps to either destroy the information or de-identify it. In the event of a notifiable data breach we will immediately inform the impacted people and provide with all information that you may reasonably require or request in relation to the Privacy Breach.
7. Direct marketing
Axsesstoday may use your personal information to provide you with information from time to time in relation to additional services and or products we provide. You expressly authorise us to provide you with this information. You may withdraw your consent at any time by calling us or by ticking the opt out box on our application form or on the service agreement.
8. Credit reporting bureau
We may use credit reports obtained from credit reporting agencies to produce our own assessments and ratings in respect of your credit worthiness, which may also take into account information we obtain from you and other sources. The reports will have information from your credit file. Your credit file contains information about your credit worthiness and any previous credit applications you have made. It also contains information about any judgements made against you. If you are in default, we may report the default to the credit reporting agencies in compliance with the Privacy Act 1988. The credit reporting agencies we use may include: Equifax, www.mycreditfile.com.au, 13 8332; Dun and Bradstreet, Level 7, 479 St. Kilda Road Melbourne 3004, www.dnb.com.au, 1300 734 806.
9. Government identifiers
Axsesstoday does not adopt, use or disclose any personal information that can be regarded as Government Identifiers.
If you believe that your personal information has been mishandled by us or that we have breached this statement in any way, we invite you to write to our privacy officer at email@example.com. We will make every effort to resolve your complaint internally. If you are dissatisfied with the resolution we offered you, you may file a complaint with the Office of the Australian Information Commissioner. The Commissioner can be contacted on 1300 363 992 or by email firstname.lastname@example.org
11. Changes to this privacy statement
Axsesstoday reserves the right to vary this statement from time to time. If we change the statement, we will post the revised statement as soon as it is completed on our website. We do not have to provide you with notice of changes to the statement. We encourage you to periodically review our privacy statement for any changes.
12. Transborder of data
It is not likely that we will disclose personal information to overseas entities. If we disclose personal information to overseas entities, we will provide details on our website detailing the entities and countries where the information will be disclosed to. We will ensure that they protect the privacy of your personal information as we are committed under this statement.
13. Web site
13.1 – When visiting our website
We may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information may be used in an aggregated manner to analyse how people use our site, such that we can improve our service.
13.2 – Cookies
13.3 – Third party sites
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that Axsesstoday Ltd is not responsible for the privacy practises of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personal identifiable information.
14. More information?
If you have any questions regarding this privacy statement or would like more information about the way we manage your personal information, please write to us on email@example.com Effective Date 29 June 2018