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Credit Information Privacy Policy

This policy was last updated 13 September 2018
The latest version of this policy is published online at https://www.tasprint.com.au/
Throughout the policy we are referred to as TASPRINT, RBC Hobart, We or Us
We refer to an individual as You or Your


Introduction

TASPRINT Pty Ltd trading as RBC Hobart ABN 66 050 723 423 (RBC Hobart) is a Hobart based company offering the sale and service of multifunction devices and printers, software and IT services. We also offer print and finishing, and graphic design services.

RBC Hobart is an authorised dealer for Ricoh Australia Pty Ltd (ABN 30 000 593 171) (Ricoh Australia) and acts as a service agent on behalf of Ricoh Australia and its related bodies corporate.

Where we provide your credit information to Ricoh Australia, they may deal with your credit information in addition to matters detailed in this policy. Ricoh Australia’s privacy policy can be found at the following link: https://www.ricoh.com.au/privacy-policy

 

RBC Hobart

RBC HOBART is a credit provider to the extent payment for services are deferred for at least seven days.

At RBC HOBART we are committed to respecting your privacy. This policy explains how we comply with the Privacy Act 1988 (Cth) (Privacy Act) when collecting, using, disclosing, storing and destroying your credit information. It also explains how you can access or correct credit information we hold about you and what you can do if you think your privacy rights have been breached.

A copy of this Credit Information Privacy Policy is available on our website https://www.tasprint.com.au/ our website). This credit information privacy policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and other necessary developments. Any updates to this policy will be posted on our website, please check our website regularly.

 

What credit information does this policy cover?

‘Personal Information’ is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

‘Credit information’ is personal information about you which is also:

  • Identification information (including name, address, date of birth, sex, current or last employer, driver licence number, previous names and two previous addresses)
  • Information about your current and past consumer credit liabilities
  • Information about other credit you have sought or obtained
  • Information about your repayment of other credit
  • Information held by a credit reporting body about you
  • Information about your previous defaults, payments and payment arrangements relating to credit provided to you
  • Information about your insolvency
  • Information about court proceedings involving you
  • Publicly available information about your creditworthiness

This policy deals with credit information when we are acting as a credit provider or agent of a credit provider.

 

What credit information do we collect and hold?

RBC HOBART may collect and hold a range of credit information including identification information, information about an individual’s current and past credit liabilities, information about other credit that person has sought or obtained, information about their repayment of other credit, information held by a credit reporting body about them, information about their previous defaults, payments and payment arrangements relating to credit provided to them, information about their insolvency, information about court proceedings involving them, information from the Personal Property Securities Register, and publicly available information about their creditworthiness.

Individuals seeking credit from RBC HOBART (or guaranteeing payment by another person) consent and give RBC HOBART authority to:

  • disclose information to Ricoh Australia and its related bodies corporate;
  • disclose information to and seek information from credit reporting bodies;
  • disclose information to and seek information from other fee payers and guarantors on the same account;
  • exchange credit information with Ricoh Australia and other providers of credit to the individual, including credit history information, credit standing information, information about credit capacity and defaults; and
  • conduct public record searches, including searches of the Personal Property Securities Register.

RBC HOBART may deal with the following credit reporting bodies either directly, or through their dealings with Ricoh Australia:

Each provides their privacy policy (including in relation to credit information) on their website.

RBC HOBART also collect and hold information about your current and previous credit liabilities. This can include information about credit RBC HOBART provides to you as well as information we obtain from other credit providers.

 

Why do we use your credit information?

We collect, hold, use and disclose Your credit information for the purpose of:

a.) Providing that information to Ricoh Australia for the purpose of their Rental Agreements, Direct Debit Plans or other credit assessments required by Ricoh Australia in accordance with their privacy policy https://www.ricoh.com.au/privacy-policy; and/or

b.) assessing an application for credit by you, verifying your identity, providing you with credit, managing that credit and recovering any debts you owe to Us.
How we obtain credit information

RBC HOBART may obtain:

  • identifying details such as your name, birth date, drivers licence number, address(es), telephone number(s), from information that you provide to us or that is provided by third parties acting on your behalf.
  • If you provide credit or trade references, from those references.
  • credit reporting information about You from Tasmanian Collection Services, Dun & Bradstreet, Equifax or Creditor Watch (credit reporting bodies/credit reference agencies);

 

When do we disclose your credit information to others?

As a service agent of Ricoh Australia, we provide credit information to them and their related bodies corporate for the purpose of Rental Agreements, Direct Debit Plans or other credit assessments required by Ricoh Australia in accordance with their privacy policy https://www.ricoh.com.au/privacy-policy

We will only disclose your credit information to another entity when permitted by law. This includes disclosing information with the individual’s consent, disclosing information to others who are also parties to a credit application (as principals or guarantors), and disclosing applications for credit, credit terms, defaults and serious credit infringements to credit reporting bodies, as described in this policy.
RBC HOBART may disclose credit information to service providers or professional advisors where necessary for its activities and permitted by the Privacy Act, for example to debt recovery service providers, legal advisors, IT service providers, accountants, auditors or insurers.

 

Storage of your credit information

We store your credit information physically or on software called “Jim2” operated by Happen Business Pty Limited, “Microsoft Azure” hosted by Microsoft; and store backup tapes offsite with Iron Mountain Australia Group Pty Ltd. Their respective privacy policies and contact details can be found at the following links:

https://www.happen.biz/AboutHappen/PrivacyStatement.aspx
https://privacy.microsoft.com/en-us/privacystatement
http://www.ironmtn.com.au/utility/legal/privacy-policy

Any documents titled with Tasprint Pty Ltd, RBC Hobart, or Ricoh Business Centre Hobart will be stored as above.

When we send any Rental Agreement to Ricoh Australia or their related bodies corporate, we will keep a record copy of this in our physical and scanned files.
When we send a copy of your Direct Debit Plan Agreement to Ricoh Australia, we will send it to Ricoh Australia, but we will not store or keep a record of this form at RBC Hobart.

 

How can you access credit information we have about you?

You may at any time request access to Your credit information by contacting us. Access will be given by providing You with copies of or allowing You to inspect the requested information unless giving access would be unlawful, denying access is required or authorised by or under an Australian law or a court/tribunal order, or giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body. We may charge a reasonable fee for providing access, and may need to verify Your identity before providing access.

If we refuse You access to Your credit information, we will provide You with an explanation for that refusal in writing. A decision will be made on providing access or updating information within 14 days, or 30 days if the decision is more complicated.

 

What if your credit information is not correct?

We will take reasonable steps to ensure credit information is up-to-date, complete and accurate. You can request that your information is updated by contacting us. If we agree the information needs updating, we will take reasonable steps to correct that information. In order to determine whether that information needs to be updated we may consult a credit reporting body or a credit provider, for example to confirm that a debt has been discharged. If we update your information and have previously disclosed that information to another entity then we will also disclose the update to that other entity.

If we do not agree the information needs correcting, you can provide a written statement for us to keep with your information, explaining what you say needs to be corrected. We will do that in such a way as is apparent to our staff who use that credit information.

Any refusal to provide access or to update credit information will be explained in writing. A decision will be made on providing access or updating information within 14 days, or 30 days if the decision is more complicated.

 

How do you complain about a potential breach of your privacy?

If you are concerned about a potential breach of your privacy, including breaches of this policy, the Credit Reporting Code or Part IIIA of the Privacy Act then please submit the complaint in writing in the first instance to RBC Hobart at the below details:

Tasprint Pty Ltd trading as RBC Hobart
(03) 6210 1200
privacy.officer@tasprint.com.au
219 Murray Street
GPO Box 1690
Hobart Tasmania 7000.

RBC HOBART will endeavour to respond to all complaints within 14 days. We will seek to resolve the complaint with you. We prefer to address all matters in this manner prior to a complaint being taken further.

Complaints can also be made to the Office of the Australian Information Commissioner. They can be contacted at the following details:

Email: enquiries@oaic.gov.au
Post: GPO Box 5218, Sydney, NSW, 2001
Phone: 1300 363 992
Fax: 02 9284 9666
website: http://www.oaic.gov.au

 

How to contact the credit reporting bodies/credit reference agencies

You may contact our credit reporting bodies/credit reference agencies by using the following information. If you have any questions regarding your publicly held personal credit file then please contact these bodies as follows:

Tasmanian Collection Services
Ph: (03) 6213 5555
Website: www.tascol.com.au

Dun & Bradstreet
Ph: 13 23 33
Website: http://dnb.com.au/privacy-policy.html)

Equifax
Ph: 13 8332
Website: https://www.equifax.com.au/privacy

Creditor Watch
Ph: 1300 50 13 12
Website: https://creditorwatch.com.au/privacy