Credit Reporting – Statement of Notifiable Matters
Credabl Pty Limited ACN 42 615 968 100 and its related bodies corporate (Credabl, we, us, our) generally provide credit to medical professionals who apply for a commercial or consumer credit account with us. This statement sets out important information about credit reporting that is relevant to you if:
- you are an individual (e.g. as a sole trader or as a member of a partnership) applying for a lease or other credit product, or who holds a lease or other credit product, from us in a professional capacity;
- you are an individual consumer applying for a lease or other credit product, or who holds a lease or other credit product, from us in a personal capacity; or
- we deal with you in connection with an application for credit made by, or provided to, another customer (e.g. as a guarantor or proposed guarantor for such credit or as a director or a shareholder of a company obtaining such credit).
The way we manage your personal and credit-related information is governed by the Privacy Act 1988(Cth) (Privacy Act) and the Privacy (Credit Reporting) Code 2014(CR Code).
This statement complements the Credabl Privacy and Credit Reporting Policy available on our website www.credabl.com.au, which sets out how we manage personal and credit-related information that we hold about you.
2 DISCLOSURE TO CREDIT REPORTING BODIES
If you apply for or hold any kind of credit from us, or offer to act as a guarantor, we may collect from and disclose your personal and credit-related information to credit reporting bodies. In addition, we may disclose to the credit reporting body the fact that you are dealing with us for a commercial or consumer credit-related purpose. Credit reporting bodies may include the information we disclose in reports that they provide to other credit providers to assist them to assess your commercial or personal credit worthiness.
We deal with the following credit reporting bodies:
For the most up‑to‑date contact details and information on how these credit reporting bodies manage personal and credit‑related information, please see their privacy policies available on their respective websites.
3 EXCLUDING YOUR CREDIT REPORTING INFORMATION FROM PRE‑SCREENING FOR DIRECT MARKETING
Credit reporting bodies offer a service known as “credit pre‑screening” that enables a credit provider to determine if you are eligible to receive direct marketing material about credit offers. You have the right to request that a credit reporting body not use your credit reporting information for this purpose. You should contact the relevant credit reporting body directly if you wish to request this.
4 PROTECTING YOUR CREDIT REPORTING INFORMATION IF YOU BECOME THE VICTIM OF FRAUD
You have the right to request that a credit reporting body not use or disclose your credit reporting information for a period if you believe on reasonable grounds that you have been, or are likely to be, the victim of fraud (e.g. if you suspect that someone is using your identity details in connection with a credit application). You should contact the relevant credit reporting body directly if you wish to request this.
5 ACCESSING OR CORRECTING YOUR PERSONAL INFORMATION OR MAKING A PRIVACY COMPLAINT
You have the right to request access to personal information (including credit-related information) that Credabl holds about you, or seek correction of that information. You also have the right to make a complaint if you consider that we have not complied with the Privacy Act or CR Code in relation to your information. Our Privacy and Credit Reporting Policy available on our website sets out further information about these rights and how we deal with your requests and complaints.
6 CONTACT US
If you require any further information or have any questions about our Privacy and Credit Reporting Policy and practices or if you would like a copy of this Statement of Notifiable Matters in hard copy form, please contact our Privacy Officer:
Last Updated21 June 2018