Personal information we collect
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information”.
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
- “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
- “Web beacons”, “tags”, and “pixels” are electronic files used to record information about how you browse the Site.
Additionally when you make a purchase or attempt to make a purchase through the Site, we collect certain information from you, including your name, billing address, shipping address, payment information (including credit card numbers, Direct Debit details or Zip Pay account details), email address, and phone number. We refer to this information as “Order Information”.
How do we use your personal information?
We use the Order Information that we collect generally to fulfill any orders placed through the Site (including processing your payment information, arranging for shipping, and providing you with invoices and/or order confirmations). Additionally, we use this Order Information to:
- Communicate with you;
- Screen our orders for potential risk or fraud; and
- When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
Sharing you personal Information
We share your Personal Information with third parties to help us use your Personal Information, as described above. For example, we use Shopify to power our online store--you can read more about how Shopify uses your Personal Information here: https://www.shopify.com/legal/privacy. We also use Google Analytics to help us understand how our customers use the Site -- you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.
Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.
As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can opt out of targeted advertising by using the links below:
- Facebook: https://www.facebook.com/settings/?tab=ads
- Google: https://www.google.com/settings/ads/anonymous
- Bing: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.
Do not track
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below.
Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.
When you place an order through the Site, we will maintain your Order Information for our records unless and until you ask us to delete this information.
The Site is not intended for individuals under the age of 18 years old.
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e‑mail at email@example.com or by mail using the details provided below:
Abbey Appliances Sydney
Sydrent Pty Ltd, PO Box 179, MONA VALE NSW 1660, Australia
CREDIT INFORMATION (PRIVACY) MANAGEMENT POLICY
Including a Statement of Notifiable Matters
The Lessor: Sydrent Pty Ltd, t/a Abbey Appliances, Australian Credit Licence No.: 480472
The company's business is providing consumer leases, being provided primarily for personal, family, or household purposes. This activity involves the provision of credit in connection with the hiring, leasing or renting of goods, as provided in Section 6H of the Privacy Act.
In the course of the company's business it seeks to establish your credit worthiness.
your eligibility to be provided with a consumer lease;
your history in relation to consumer credit; and
your capacity to make regular payments.
The kinds of credit information we collect and hold
In accordance with the industry's mandatory Credit Reporting Privacy Code, Obligation 5.1, we collect and hold credit reporting information, credit identification information, credit capacity information and personal information collected and held under PART 111A of the Privacy Act.
Where personal information concerning an overdue payment is held and, where information concerning this overdue payment is presented to a credit reporting body, the amount overdue will be a minimum of $150.
In accordance with Section 6N of the Privacy Act, we may collect and hold the following personal information:
consumer credit liability information;
payment/payment history information;
a statement that an information request has been made to a credit reporting body, by a credit provider or lessor, in relation to your application;
the type of consumer credit or consumer lease, and the amount of credit or goods sought in an application that you have made to a credit provider or lessor, in connection with which that credit provider or lessor has made an information request concerning you;
overdue and default information concerning your current and/or previous loans and/or leases;
payment information about you, including information concerning late payments;
information about new arrangements you may have made involving an existing credit contract or lease;
court proceedings (civil) information about you;
personal insolvency information about you, as included on the National Personal Insolvency Index, which relates to bankruptcy, debt agreements, personal insolvency agreements and Sections 50 and/or 188 Bankruptcy Act directions and/or authorities;
publicly available information concerning your activities in Australia and your credit worthiness, including information recorded on the National Personal Insolvency Index;
any opinion that we might reach that you have committed a serious credit infringement in relation to consumer leases we have provided to you, with the circumstances specified on the file; and
unsolicited information that we may deem relevant to keep on file.
Explanation of some of the key elements listed above is as follows.
Identification information about you
To assist in protecting you against identity theft and to assist in reducing the opportunity for fraud, we may ask you for some or all of the following identification information:
your full name;
any alias or previous name/s;
date of birth;
2 previous addresses (if any);
name of current employer; or
name of last known employer; and
driver’s licence number.
Consumer credit liability information
We collect and hold consumer credit liability information, including:
the name of the credit provider/lessor;
whether or not the credit provider/lessor holds an Australian Credit Licence;
the type of consumer credit or lease;
the day on which the consumer credit or lease was entered into;
the terms or conditions of the consumer credit or lease which relate to the payment of that credit/lease and anything that may be prescribed by regulation;
the maximum amount available under the consumer credit; and
the day on which the consumer credit or lease is terminated, or otherwise ceases to be in force.
Payment history information
If and when we provide a consumer lease to you, the following information about you as a consumer may be collected and held:
whether or not you have met payment obligations;
the date on which the payment is due and payable; and
if you make payments after the due and payable day, the day on which you actually made the payment.
Overdue and Default information
We collect and hold information about any payment that is overdue and, under Section 179D of the National Credit Code and Section 6Q of the Privacy Act, may inform you that:
you are overdue in making the payment; and
you have received a written notice from us advising you of the overdue amount and requesting payment of the amount.
the Statute of Limitations does not prevent us from recovering the amount; and
where the amount overdue is $150 or more, it is sufficient to list on your file with a credit reporting body. Any amount will be listed on the file we maintain concerning your identification and credit information.
We may collect and hold information that is given or made against you in civil court proceedings that relate to any credit or lease that has been provided to you, or for which you have applied.
How we collect credit information
We collect credit information from 6 possible sources:
from the documentation we request and you provide;
from credit reporting bodies;
from people or organisations you permit us to contact, to verify your credit relevant details;
from other lessors and/or credit providers; and
from information about you publicly available, including court and tribunal reports and decisions.
Please note, depending on circumstances, we may choose not to seek information from all these sources to assess your lease application.
How we hold credit information securely
In all circumstances, we take reasonable steps to protect your information from misuse, loss, interference, unauthorised access, modification or unauthorised disclosure. We choose not to provide further detail, for security reasons. Further protection detail can be provided to you verbally, on request.
The kinds of credit eligibility information that we hold
This is credit reporting information and credit provider/lessor derived information about you that may be disclosed to us by a credit reporting body, under Division 2 of Part 111A of the Privacy Act.
The credit reporting body
We provide information to and request information from Equifax Ltd, a credit reporting body. If you have a need to contact them, Equifax may be contacted on telephone: 13 83 32, or website: www.mycreditfile.com.au.
You may contact them if:
you believe that the information they have on their file about you needs amendment or correction; and/or
you want the body to hold off disclosing any information from the their file about you because, on reasonable grounds you believe that you have been, or are likely to be, a victim of fraud; and/or
you do not want the body to use their credit reporting information for the purposes of pre-screening for direct marketing by a credit provider or lessor.
This document contains all the notifiable matters, as specified in the Credit Reference Privacy Code, together with all matters specified in the Privacy Act, that we are required to communicate to you. As such, it constitutes a Notifiable Matters Statement and a Credit Information (Privacy) Management Policy.
In this document and in the Privacy Consent Agreement, which we provide before consumers give us any personal information, we have chosen the option available by the wording in Code Obligations 4.2 of the Credit Reporting Privacy Code to present the information required in Code Obligations 4.1, as well as the information required for presentation under the Privacy Act in this document. This Credit Information (Privacy) Management Policy and the Privacy Consent Agreement, including the Notifiable Matters Statement, are provided with clear instructions to you to read both, before you make any attempt to provide us with personal information in conjunction with applying for a lease from us.
Transfer of information between us and Equifax
This information transfer is permitted under Division 2 of Part 111A of the Privacy Act 2012. The information involved is the credit-related personal information that a credit reporting body may provide about you, to assist us to assess your credit worthiness. This information is relevant for use in establishing your eligibility for a consumer lease.
Please note that the company may contract with Equifax to have part or all of this information provided, from time to time, in accordance with company policy. This information will have been provided to Equifax by lessors and/or credit providers with whom you have had contact, and includes:
information about you after you turned 18, except identification information;
credit/leases applied for and/or supplied in Australia;
your payment/payment history; and
any default information.
If we provide a lease to you and you fail to meet your payment obligations, or commit a serious credit infringement, we may be entitled to disclose this to the credit reporting body and it will be included on the file they hold about you.
The purposes for which we collect, hold, use and disclose credit information and credit eligibility information
The consumer credit-related purposes for which we collect, hold, use and disclose information are:
to assess your application to us for a consumer lease; and
to collect payments that are overdue in relation to a lease we may have provided you; and
to collect payments that are overdue in relation to a lease provided by another lessor, under a lease that has been assigned to us by that other lessor (if any).
In accordance with section 21M, we will disclose relevant and permitted information to debt collectors.
Use of credit eligibility information
In accordance with Section 21G, we use credit eligibility information for the following purposes:
lease related purposes involving you; or
permitted reporting of information to a credit reporting body; or
in connection with what we reasonably believe is a serious credit infringement that you may have committed; or
for a use prescribed by a court, or tribunal, or regulations.
We will disclose this information to:
a company related to us;
a person responsible for processing your lease application; or
a person who manages our lease agreements; or
another lessor, if we reasonably believe that you have committed a serious credit infringement; or
the external dispute resolution scheme we subscribe to; or
as authorised under Australian law, regulation, court or tribunal.
In accordance with Section 21N of the Privacy Act, we may disclose information to an approved entity seeking participation in an assignment of your debt, or purchase of our business.
Should the transaction proceed, you will be informed in writing, in accordance with Obligation 13 in the Credit Reporting Privacy Code and all our rights will be transferred to the acquirer, in accordance with Section 6K of the Privacy Act.
Process when collecting information from a credit reporting body
To obtain a credit report of some kind about you, we are required to provide certain information which Equifax will note on your credit file, along with the fact that we made an enquiry.
In accordance with Equifax polices, this information will probably appear on your credit report and will be accessible by lessors and/or credit providers who are customers of Equifax, when you are applying for a lease or loan at some time in the future.
These listings could adversely impact on your future applications for a lease or for credit, if the relevant future lessor or credit provider’s application approval policies and processes include consideration of the number of past enquiries as being indicative of something adverse or negative about you as a lessee or borrower.
We have no control over or input into Equifax's policies with regard to the content of their credit reports. As indicated above, if you proceed to apply for a lease with us, you will be provided with a Privacy Consent Agreement, which includes further detail from the company concerning privacy for lessees. When you indicate your consent or acceptance of that agreement, you will be agreeing to the possibility that the current or future information on your credit report may prevent you from obtaining the lease you are currently seeking, or some future lease or loan.
How you may access credit eligibility information that we hold about you
First contact the Privacy Compliance Manager by email: firstname.lastname@example.org, or post to PKF Tamworth, 22-24 Bourke Street, Tamworth NSW 2340.
In accordance with Section 21T and Code Obligation 19, at your request, we will:
give you access to any credit information we hold about you;
respond to your request within a reasonable period and provide the access within 30 days of your request;
provide the information in a clear manner and provide reasonable explanations and summaries of the information, to assist you to understand the impact of the information; and
deny access, only if such would be unlawful, required under Australian law, or by a court or tribunal, or would prejudice an official enforcement body investigation.
Following your successful request, access will be provided by the Privacy Compliance Manager, who will facilitate the provision of a print out of your information stored by the company. Any denial of access will be in writing, with the reason/s explained and details of the company's internal disputes resolution process, the Australian Financial Complaints Authority (AFCA) and the Office of the Australian Information Commissioner, to which you may lodge a complaint if not satisfied with the company’s explanation.
How you may seek the correction of credit information and credit eligibility information that we hold
Once you have inspected the personal credit information we hold on file about you, you may inform our Privacy Compliance Manager if you have discovered any information that is inaccurate, out-of-date, incomplete, irrelevant or misleading.
The Privacy Compliance Manager will be pleased to amend the file within 30 days but, in most cases, will require appropriate evidence from you to support your request. Please note that, in the exercise of this correction duty, the Privacy Compliance Manager is lawfully entitled to consult with a credit reporting body and/or another lessor and/or credit provider. You, and any entity consulted in the process, will be informed in writing of any correction.
How you may complain about our failure to comply with Part 3 of the Privacy Act, or the Credit Reporting Privacy Code
There are three steps in the process of lodging a complaint.
The first step is to complain to our Privacy Manager, either verbally, or in writing.
Then, if you are not satisfied with the Privacy Manager’s response, you can complain verbally or in writing to our Internal Disputes Resolution Manager.
After appropriate investigation, the Internal Disputes Resolution Manager will write to you as soon as practicable after a decision has been reached, outlining the decision and the reasons for reaching it.
Finally, if you are not satisfied with the Internal Disputes Manager’s response you can lodge a complaint either with the Office of the Australian Information Commissioner, phone enquiries: 1300 363 992, post to: GPO Box 5218 Sydney NSW 2001, or go to the website at www.oaic.gov.au.
Or you can lodge a complaint with the external dispute resolution scheme of which we are a member, the Australian Financial Complaints Authority (AFCA) Telephone: 1800 931 678, Post: GPO Box 3, Melbourne, Vic 3001, website: www.afca.org.au.There is no charge for lodging a complaint.
We do not disclose credit information, or credit eligibility information, to entities that do not have an Australian link.