This Credit Reporting Policy covers the credit–related operations of Fuji Xerox Australia Pty Ltd (ABN 63 000 341 819) and its associated company Fuji Xerox Finance Ltd (ABN 31 001 419 807) (together, we, us or our). This policy is our Credit Reporting Policy and describes how we will comply with the credit reporting obligations contained in the Privacy Act 1988 (Cth) (Privacy Act) and the Credit Reporting Code as registered under section 26S(1) of the Privacy Act. We may provide products or services to you on credit (i.e. you will pay us for those products or services after we start providing them to you). We may conduct a credit check on you (or your directors, partners or other authorised representatives) before you become our customer. The Privacy Act and this Credit Reporting Policy do not apply to credit provided to companies or other entities. However, this policy will apply where we request that a director or other individual guarantees the credit to be provided by us to a company or other entity, but only in respect of any uses of that individual"s credit–related information as part of our assessment of the suitability of that individual as a guarantor.
Collection of credit–related information
We may collect, hold, use and disclose certain credit–specific information about you. We may obtain this information from you or from third parties, including from credit reporting bodies and other credit providers, in order to assist us in determining whether we will provide any products or services to you (or to your related company or other entity) on credit.
In this Credit Reporting Policy, “credit–related information” means credit information, credit eligibility information and CRB derived information as those terms are defined in the Privacy Act. Generally speaking, credit–related information will include your name and address, your contact details, your date of birth and gender, details of your credit history (including any repayments missed or late repayments that you have made), information about any credit provided to you by credit providers (such as financial institutions, utilities or telecommunications providers), any credit rating or credit assessment score that we have derived or that is provided to us by a credit reporting body and details of any credit–related court proceedings or insolvency applications that relate to you. In this Credit Reporting Policy, a reference to "including" means including without limitation.
We may collect the following particular types of credit–related information about you:
Our use and disclosure of your credit–related information
We may use the credit–related information that is collected and held by us to help us decide whether or not to provide credit to you (or to your related company or other entity). We may also use this information to derive or calculate a credit assessment score in relation to you, which we will then use to help us in conducting our assessment of your creditworthiness.
The credit–related information that we hold about you may be used by us in accordance with Part IIIA of the Privacy Act and the Credit Reporting Code. The purposes for which we use your credit–related information may include:
- using your credit–related information to collect payments that are owed to us in respect of any products or services that we have previously supplied to you (or to your related company or other entity) on credit;
- disclosing your credit–related information to any of our related companies that are also are considering whether to provide credit to you (or to your related company or other entity);
- where you have offered to guarantee credit that we have offered to provide to your related company or entity, to assess your suitability as a guarantor of that credit;
- disclosing your credit–related information to a third party that you or we ask to act as a guarantor of any credit provided to you;
- disclosing your credit–related information to the credit reporting bodies that we deal with, including to Veda and D&B. Credit reporting bodies collect different types of credit–related information about individuals and use that information to provide a credit–related service to their customers (including to us). In this Credit Reporting Policy, Veda means Veda Advantage Information Services and Solutions Limited and its related businesses in Australia and D&B means Dun & Bradstreet (Australia) Pty Ltd;
- disclosing your credit–related information to other third parties that provide services to us (or to you on our behalf). These might include debt collectors, credit management agencies and other third parties that process applications for credit made to us;
- disclosing your credit–related information to other credit providers which provide, or are considering providing, credit to you (or to your related company or other entity);
- using and disclosing credit–related information that we hold about you to assess and respond to any access or correction requests that you make to us;
- where we are consulted by a credit reporting body or another credit provider about an access or correction request that you have made to those entities, to respond to that consultation request;
- where you complain to the Office of the Australian Information Commissioner or any provider of a recognised external dispute resolution scheme about our treatment of your credit–related information, to respond to that complaint and to seek legal or other professional advice in relation to your complaint;
- using and disclosing credit–related information that we hold about you as required by law or the order of a court or tribunal; and
- where you otherwise expressly consent to the use or disclosure.
Other matters relating to your credit–related information
- you (or your related company or other entity) make an application for credit to us; or
- you offer to guarantee credit that we propose to provide to your related company or other entity,
Where required by law, we will make a written note (which may be kept in electronic form) of any use or disclosure that we make relating to your credit–related information. If:
and we subsequently refuse your application or offer based on information provided to us by a credit reporting body about you, we will inform you of this and provide you with the name and contact details of that body and any other information required by law to be provided to you.
Security and quality of your credit–related information
We rely on the credit–related information that we receive and hold to assist us in conducting our business. We will take reasonable measures to make sure that the credit–related information that we collect, use, hold and disclose about you is accurate, complete and up–to–date and (in relation to the purpose of our use or disclosure) is relevant to that purpose.
We take reasonable steps to ensure that the credit–related information that we hold about you is protected from misuse and loss and from unauthorised access, modification or disclosure. Except to the extent specified otherwise in this Credit Reporting Policy, we will securely store all credit–related information that we collect or hold about you in an electronic system located in Australia.
We store information in different ways, including in hardcopy and electronic form. We have implemented certain organisational controls to help us protect your credit–related information from misuse, interference and loss and from unauthorised access, modification or disclosure. These include implementing information technology security policies and systems and imposing access restrictions in relation to the credit–related information that we hold. Our employees and contractors are trained in the protection and appropriate use of your credit–related information and are also bound by confidentiality provisions that apply to their use of credit–related information.
We will take prompt actions to address any issues that come to our attention where an employee or contractor of ours may have breached the obligations imposed by the Privacy Act and this Credit Reporting Policy. However, we are not responsible for (and do not accept any liability for) the misuse of your credit–related information by unrelated third parties.
Access and correction of your credit–related information
Where we hold credit–related information about you, we provide you with access to this information upon request, including by posting or emailing it to you if you request access to your information in those particular manners. We will generally provide access to you within a reasonable time but may refuse to provide access where we are permitted to do so by law.
You also have a right to request that we correct any credit–related information that we hold about you if you believe that this information is inaccurate, out–of–date, incomplete, irrelevant or misleading. You can make such a correction request by using the contact details in the "How to contact us" section below. We will respond to your request within 30 days (or such longer period as you may agree or we may request).
We will not charge you for making a request for access or for making any corrections to your credit–related information. However, we may in some circumstances charge a reasonable administrative fee to cover our costs of providing access to you.
If we cannot respond to your correction request without consulting with other credit providers or credit reporting bodies in relation to your request, we may do so and these bodies are permitted by law to assist us in resolving your correction request.
If we agree to your request, we will promptly correct any credit–related information that we hold about you that we are satisfied is inaccurate, out–of–date, incomplete, irrelevant or misleading. If we do correct your credit–related information at your request, we will inform you and each other credit provider and credit reporting body to which we have previously disclosed that information that we have corrected your information. Where we disclosed your credit–related information after you made a complaint but before it was resolved, we will tell the recipient that you have made such a complaint and we will subsequently inform that entity of the outcome of your correction request.
If we have any other reasons for suspecting that credit–related information that we hold about you has become inaccurate, out–of–date, incomplete, irrelevant or misleading, we may independently decide to correct this information without consulting you. If we do this, we will take reasonable steps to notify that correction to you and to any other entities to which we have previously disclosed that credit–related information (unless it is impracticable for us to do so).
You have a right to complain about any failure by us to comply with the Privacy Act or the Credit Reporting Code in relation to our handling of your credit–related information.
If your complaint relates to our failure to provide access to or to correct any credit–related information that we hold about you, you may lodge a complaint directly with the Office of the Australian Information Commissioner (for more information, please see http://www.oaic.gov.au) or to the Financial Ombudsman Service (please see http://www.fos.org.au), who is an independent external dispute resolution provider that can also deal with complaints relating to credit–related information.
If you have a complaint in relation to our handling of your credit–related information that is not our related to our failure to provide access to or to correct any credit–related information that we hold about, then you must first lodge your complaint with us using the details in the "How to contact us" section below and provide us with details of the incident so that we can review and/or investigate it.
Our procedure for investigating and dealing with complaints (other than those related to our failure to provide access to or to correct any credit–related information that we hold about you) is as follows:
- complaints should be made in writing and submitted to us using the details under the "How to contact us" section below;
- we will treat your complaint confidentially. Our representative will review your complaint and contact you within a reasonable time after receipt of your complaint to discuss your complaint and the options available to you to resolve it;
- we will endeavour to make sure that your complaint is resolved within a reasonable time of receiving your complaint (and in any event within the time required by the Privacy Act, if applicable); and
- if you are not satisfied with our handling of your complaint or our proposed resolution, you have a right to lodge a further complaint with the Office of the Australian Information Commissioner (for more information, please see www.oaic.gov.au) or with the Financial Ombudsman Service (please see www.fos.org.au) instead of the Office of the Australian Information Commissioner. These bodies will then provide you with further information about the next steps in their complaints process.
Where your complaint relates to the correction of your credit–related information and the resolution of your complaint requires us to correct your information, we will inform each other credit provider and credit reporting body that we have previously disclosed your information to that that you have made a correction complaint in relation to that information and that we have corrected your information as a result of the outcome of that complaint. However, if it is impracticable or illegal for us to do so, we are not required by law to give this notification.
How to contact us
If you have any questions about this Credit Reporting Policy or if you have any concerns or a complaint regarding the treatment of your credit–related information, please use the contact form available through our website at www.fujixerox.com.au or contact our Privacy Officer using the details set out below.
- Attention: Privacy Officer
- Fuji Xerox Australia Pty Ltd
- Locked Bag 2051
- North Ryde NSW 2113
- Email: email@example.com
- Tel: 02 9856 5000 (for general enquires only. Please submit complaints in writing by using one of the methods indicated above).
Changes to our Credit Reporting Policy
We may change this Credit Reporting Policy from time to time, including in order to comply with any future amendments to the Privacy Act, the Credit Reporting Code or related laws or regulations. Any updated versions of this Credit Reporting Policy will be effective from the date of posting on our website at www.fujixerox.com.au.
This Credit Reporting Policy was last updated on 14 May 2014.