Privacy Policy
When we refer to your information, we are referring to your personal information, as defined under the Privacy Act 1988 (Cth),
The kinds of information we collect and hold
We may collect and hold a range of different information about you. This can include your name, contact details (including address, email address, phone number or mobile telephone number), driver’s licence number, financial information (such as credit card or bank account details) and information about how you use our products and services.
We may collect your information in a number of ways, including:
- directly from you (such as where you complete an application form or agreement for one of our services, or contact us with a query or request)
- from third parties such as credit reporting bodies (for more details see our Credit Reporting Policy below), wholesale or other customers, or your representatives from publicly available sources of information
- from our records of how you use our products or services
- from the third parties we list in the section of this Statement with the heading When we disclose your information
How we hold your information
We store your information in hard copy or electronic format, on our premises. We take reasonable steps to
maintain the security of your information and to protect it from unauthorised disclosures.
How we use your information
We may use your information for a range of different purposes, including
- to verify your identity, or to conduct appropriate checks for credit-worthiness and for fraud checking
- to administer and manage the products and services we provide to you, to charge and bill you for them,and to collect any amounts you may owe us
When we disclose your information
We may disclose your information to third parties who provide services to us, including organisations and
contractors that assist us with the purposes for which we use your information. These services include:
- delivery service,
- mailing operations, billing and debt-recovery functions
We may also disclose your information:
- to your authorised representatives or advisers, or when you ask us to do so
- to credit-reporting bodies (for more details see our Credit Reporting Policy below) and fraud-checking
agencies, and to credit providers for credit related purposes such as credit-worthiness, credit rating, credit
provision and financing - to law enforcement and national security agencies, and other government and regulatory authorities as
required or authorised by law - for the purposes of facilitating or implementing a transfer/sale of all or part of our assets or business
In most cases, the organisations to who we may disclose your information are based inside Australia.
How to access or correct your personal information or make a privacy complaint
If you wish to access any of your personal information that we hold or would like to correct any errors in that
information, please contact us using the contact details set out in the how to contact us section of this
Statement, so that we can consider and respond to your request. We do not charge for providing access to
your personal information in response to a request.
You may also use these contact details to notify us of any privacy complaint you have against us, including if
you think that we have failed to comply with Privacy Act. We are committed to acknowledging your complaint
in a prompt manner and will give you an estimated timeframe for when we will respond to your complaint.
While we hope that we will be able to resolve any complaints you may have without needing to involve third
parties, you may also be able to lodge a complaint with a relevant regulator such as the Australian Information
Commissioner (www.oaic.gov.au).
How to contact us
If you have any questions in relation to this Statement or our management of your information, please let us
know by contacting us on (02) 9517 9850 or writing to us at info@mumsbuns.com.au
Credit Reporting Policy
This sets out how we manage your credit information and credit eligibility information where this is relevant to
you, and is our credit reporting policy for the purposes of Part IIIA of the Privacy Act.
We may provide credit as contemplated in the Privacy Act to our customers in connection with our products
and services and, as a result, we may collect credit information and credit eligibility information about you as
referred to in the Privacy Act. Our Credit Reporting Policy sets out how we manage that information.
How we collect and hold credit information and credit eligibility information about you
Credit information relates primarily to your credit related dealings with us and covers various types of
information that can be collected by Credit Reporting Bodies (CRBs) that report on consumer credit
worthiness.
Credit information includes:
- identification information
- basic information about your credit account (for example when it was opened)
- details about information requests we make about you to CRBs
- information about certain overdue payments and about serious credit infringements and information about payments or subsequent arrangements in relation to either of these
- various publicly available information like bankruptcy and credit-related court judgements
We may collect credit information about you in any of the circumstances relating to other personal
information described in our Privacy Statement under How we collect your information. Credit eligibility
information is information equivalent to the kinds listed above that we generally collect from CRBs.
This information relates primarily to your dealings with other credit providers (for example, banks, other
financial institutions, or other organisations that may provide you with credit in connection with their products
or services). It may also include certain credit worthiness information that we derive from the data that we
receive from a CRB. Sometimes we may also collect credit eligibility information about you from other credit
providers.
We store and safeguard your credit information and credit eligibility information in the ways described in our
Privacy Statement under How we hold your information.
How we use and when we disclose your credit information and credit eligibility information
We may disclose your credit information to CRBs. Those CRBs may then include that information in credit
reporting information that they provide to other credit providers to assist them to assess your credit
worthiness.
We may also use and disclose your credit information for other purposes and in other circumstances as
described in our Privacy Statement under How we use your information and When we disclose your
information, when permitted to do so by the Privacy Act.
Our use and disclosure of credit eligibility information is regulated by Part IIIA of the Privacy Act and the Credit Reporting Privacy Code. We will only use or disclose such information for purposes permitted by these laws,
such as:
- processing credit-related applications and managing credit that we provide
- assisting you to avoid defaults
- collecting amounts you may owe us in relation to such credit and dealing with serious credit infringements
- assigning our debts
- participating in the credit reporting system
- dealing with complaints or regulatory matters relating to credit or credit reporting
- as required or authorised by another law.
In some cases, the people to whom we may disclose your credit information or credit eligibility information
may be based outside Australia – for more information please see the details in our Privacy Statement under
When we disclose your information.
How to access or correct your credit information or credit eligibility information
If you wish to access or correct errors in any of your credit information or credit eligibility information that we hold, please contact us using the contact details in the How to contact us section in our Privacy Statement.
We do not charge for providing access to your credit eligibility information, depending on the request.
How to make a complaint regarding our compliance with Part IIIA of the Privacy Act and the Credit Reporting Privacy Code
You can make a complaint by using the contact details in the How to contact us section of our Privacy
Statement.
We will acknowledge your complaint in writing as soon as practicable within 7 days. We will aim to investigate
and resolve your complaint within 30 days of receiving it. If we need more time, we will notify you about the
reasons for the delay and ask for your agreement to extend this 30 day period.