1 Privacy & Credit Reporting Policy
- This is the privacy and credit reporting policy of Nuago Pty Ltd ACN 41 611 856 583 (‘Nuago’, ‘we’ or ‘us’). The purpose of this policy is to ensure that any individual who provides information to Nuago is protected under Australian law, in accordance with the Privacy Act 1988 (Cth) (‘Privacy Act’).
- Nuago will be considered a credit provider in relation to providing credit under the Privacy Act when it provides credit terms of more than 7 days to its customers who are sole traders (individuals) or in a partnership. Nuago will in such circumstances comply with the Privacy (Credit Reporting) Code in relation to the credit.
- Words defined in the Privacy Act have the same meaning when used in this policy.
2 Protecting your privacyWe seek to protect and maintain the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (‘APPs’) in the Privacy Act.
3 Collection of information
- We may collect personal information about you such as:
- your name, current address, previous address details;
- email addresses and telephone and or mobile numbers;
- current and previous employment information; and
- your credit-related personal information (see clause 2 below).
- We collect information when you use our website. Please refer to the website section of this policy for further details.
- We do not collect sensitive information about you such as your racial or ethnic origin, political opinions, religious beliefs or affiliations.
- If there is another person named in any correspondence, you may need to provide their personal information and you warrant that the other person has consented to the collection of their personal information for the reasons it is being collected.
3.2 Credit-Related Personal Information
- Nuago sometimes provides goods and services to customers on credit. In connection with this credit, Nuago 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, Nuago may handle this information in providing credit to sole traders, or where individuals such as directors provide personal guarantees for credit Nuago provides to their companies.
- We may collect credit-related personal information about you such as:
- your name;
- confirmation of previous information requests to CRBs made by other credit providers and credit insurers about you;
- 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; and
- any credit score or credit risk assessment indicating a CRB’s or credit provider’s analysis of the individual’s eligibility for consumer credit.
4 If you do not provide personal informationThe main consequence for you, if some or all of the above personal information is not collected by us is that we may not be able to provide goods, services (including on credit) or information to you, or be able to provide them to the same standard as if we had the information requested.
5 How we collect personal information
5.1 GeneralWe collect personal information in a variety of ways. We mainly collect information from you when you knowingly provide it to us via our website, email, by phone, or in person when you contract with us or make a request or enquiry of us. We may also collect personal information online, through an application form, or through our mailing list.
5.2 Suppliers & Business Customers
- We collect personal information from our suppliers and commercial customers when they provide it to us as part of an application to supply goods and/or services or when they request Nuago to provide goods and/or services.
- We may collect credit-related information from the “trade references” or bankers you list in our credit application, or such other credit providers named in a credit report issued by a credit reporting agency.
- Nuago may obtain a credit report from a credit reporting agency about your personal credit worthiness and activities, or where it is relevant to collecting overdue payments, in respect of credit provided to you, information in relation to collecting overdue payments.
6 Why we collect, hold and use and disclose personal information
- We collect, hold, use and disclose personal information about individuals when it is necessary for us to carry on our business functions or to comply with laws.
- We may collect, hold, use and disclose your personal information to answer your enquiry or to provide the information or service that you requested.
- We may also collect, hold, use or disclose your personal information:
- to conduct checks for credit worthiness or fraud;
- to enable us to develop, administer and manage our services and business;
- to verify your identity;
- to customise service to better meet your needs and preferences;
- for statistical purposes;
- for future promotional and marketing purposes including direct marketing;
- for research purposes to better improve our websites, products or services;
- for other customer support purposes;
- to deal with complaints, queries or feedback; and
- when authorised or required by law.
7 Direct MarketingNuago engages in direct marketing from time to time.
8 When we may disclose your personal information to third parties
8.1 GeneralIn the course of conducting our business we may provide your personal information to:
- credit providers and credit reporting agencies;
- employees, contractors and subcontractors;
- an individual’s representatives;
- government and regulatory authorities;
- our vendors and distributors; and
- our professional advisers, including our lawyers, auditors and accountants.
- to meet the purpose for which it was submitted;
- if we have your consent to do so or otherwise when we are authorised by law;
- if we are required by law to disclose the information.
8.2 Credit-Related Personal InformationNuago 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. Nuago 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 Nuago may also exchange credit-related personal information with guarantors, debt buyers and other credit providers. Nuago may use Equifax (previously Veda), Experian or Dun & Bradstreet as a CRB.
9 Overseas recipientsWe may submit your personal information to vendors located overseas when required to provide services to you. For example, we may be required to provide your personal information when applying for a software licence on your behalf.
10 SecurityAll personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act. We will take reasonable steps to:
- make sure that the personal information we collect, use or disclose is accurate, complete and up to date;
- protect the information from misuse, interference, loss or unauthorised access, modification or disclosure both physically and through security methods; and
- destroy or permanently de-identify the information if it is no longer needed for any purpose.
- When you visit our websites, we or agencies on our behalf and our internet service provider may monitor and take a record of your visit and log “clickstream data” for statistical purposes such as your server’s IP address.
- Any link on the Nuago website to external entities are not covered within this policy. The terms and conditions set out in this privacy statement only cover the domain name of www.nuago.com.au.
- At your request we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceeding, together with exceptions provided by the Privacy Act.
- Unless unusual circumstances apply, we should provide access of your personal information to you within 30 days of the request.
- We reserve the right to charge a fee for providing access to your information when permitted by law. We will not charge the individual for the making of the request, for correcting the personal information or for associating the statement with the personal information (as the case may be).
- To protect your personal information, the request to us must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:
Mail: Attention: Antonietta Silvestri Nuago 11 Glen Osmond Road EASTWOOD SA 5063 Email: firstname.lastname@example.org
- Our objective is to respond to any request within a reasonable timeframe.
- We also aim to ensure that your personal information is accurate, up to date and complete. Amendment of personal information will be conducted upon written request from you. You can contact us by writing to the address above to do this.
- We are committed to the protection of your privacy and personal information. Complaints you may have about your personal information can be lodged with us by using the contact details above.
- We will attempt to resolve any complaints within 10 working days. If resolution is not possible within this timeframe, we will contact you to discuss the matter further.
- You also have the right under the Privacy Act to make a complaint to the Information Commissioner.