Credit One - Smarter Finance realises the importance of ensuring that personal information held by the company is treated confidentially and is committed to ensuring that all personal information is only collected, disclosed, used and stored in accordance with the National Privacy Principles set out under the federal Privacy Act 1993.
What is 'personal information'?
'Personal Information' is information or an opinion (including information or an opinion forming part of a database) whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion
Use and disclosure of personal information
Any personal information that we collect will only be used and disclosed for the purpose for which it has been provided to us.
Personal information may need to be disclosed to external service providers engaged by Credit One - Smarter Finance in order for those service providers to fulfil their service obligations to the firm. For example:
- IT service providers who assist in managing Credit One - Smarter Finance's servers and networks may need to access client data in order to maintain the servers and networks;
- Credit reporting bodies, in addition to providing credit report information back to us, they may hold your information on their credit reporting database and use it for providing credit reporting services and for any other lawful purpose and they may disclose your information to their subscribers for the purpose of credit checking or debt collection or for any other lawful purpose.
Where personal information is disclosed to an external party, Credit One - Smarter Finance will take steps to ensure that the external party treats such information confidentially and in accordance with the federal Privacy Act 1993.
If you have registered through our website to receive email communications from us, we may use your contact details to send you newsletters, marketing emails or invitations to Credit One - Smarter Finance seminars or events, which may be of interest to you. However, you may at any time opt out of receiving such materials by completing our. Upon receiving such a request, Credit One - Smarter Finance will remove your contact details from our distribution lists.
Accessing and Correcting Personal Information
You may request us to provide you with access to personal information we hold about you. We will process all requests for access to personal information in accordance with the National Privacy Principles. In most cases, we will provide you with access to your personal information. However, we may refuse access in certain situations as listed in the National Privacy Principles. If we refuse to give you access, we will provide you with reasons for our refusal.
If any personal information we hold about you is not accurate, complete or up to date, please let us know and in most cases, we will use all reasonable efforts to update the information.
Personal information security
Credit One - Smarter Finance is committed to keeping secure the data you provide to us and we will take all reasonable precautions to protect your personally identifiable information from loss, misuse or alteration.