Privacy and Credit Information Policy
Our privacy policy
Bossco Auto Parts & Accessories ABN 54 151 926 475 t/a Bossco Auto Parts & Accessories and its related bodies corporate (we, our or us) are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) (Act), the Australian Privacy Principals (APP) and the Privacy (Credit Reporting) Code 2014 (CR Code).
This policy details how we
collect, disclose and handle your personal and credit information. By providing
us with personal and credit information, you agree to the terms of this policy.
Personal
information
Personal information is
defined under the Act as information or an opinion about an identified
individual or an individual who is reasonably identifiable, whether the
information or opinion is true or not and whether recorded in a material form
or not.
For the purpose of this policy, personal information may include, but is not limited to the name, address and contact details;
- previous addresses;
- business information;
- position;
- current and last known employer;
- information in identification documents (e.g.
driver’s licence);
- date of birth and gender;
- bank account details;
- financial information;
- feedback and responses to surveys and/or
promotions;
- changes to content or preferences; and
- information provided on our website or during
communication with us.
Credit
information
We may collect, hold, use and
disclose credit information and credit eligibility information about you in
order to offer you with credit in connection with the sale of goods and
services. You consent to such collection, holding, use and disclosure of your credit
information in accordance with the terms of this policy.
If you apply for commercial
credit or provide a guarantee for commercial credit, the kinds of credit
information and credit eligibility information that we may collect and hold
include information used to identify you, your creditworthiness and any other
related information necessary or incidental to the goods and services we
provide or propose to provide to you. This may include:
- identification information;
- consumer credit liability information;
- repayment history information;
- a statement that an information request has
been made;
- the type of consumer credit or commercial
credit and the amount sought;
- default information;
- payment information;
- new arrangement information;
- court proceedings information;
- personal insolvency information;
- publicly available information in relation to
your creditworthiness; or
- serious credit infringement information.
The above information will be referred to as credit information in this policy.
Collecting,
holding and using information
Personal and credit information may be collected from
you directly whenever it is reasonable and practical to do so. There are a
number of ways that we may collect personal and credit information, including:
- by email or telephone;
- in person;
- in writing;
- when you visit our website;
- when you submit an application, quote, purchase
order or request; or
- in the course of supplying goods or services to
you.
We may collect personal and credit information
directly from you, a third party or credit reporting bodies (CRB). If you provide us with personal or credit
information about another person, you must only do so with their consent and
warrant that the other person is aware of this policy.
We collect, hold and use personal information so that
we can:
- identify you and conduct necessary checks;
- assess applications;
- sell and deliver our goods or services to you;
- issue, manage and administer goods or services
provided to you;
- improve our goods or services;
- send marketing material to you;
- deal with complaints;
- keep a customer record; and
- comply with our legal obligations.
We collect, hold and use credit information so that we
can:
- assess
your creditworthiness;
- assess
applications for credit or whether to accept you as a guarantor;
- assist
you to avoid defaulting on your credit obligations;
- notify
other credit providers or a credit reporting body of a default by you;
- comply
with regulatory or legal requirements;
- enable
a third party such as an insurer to assess the risk of providing insurance;
- assess
whether to register a security interest; or
- assess
whether to vary a credit we provide to you.
If you do not provide us with your personal or credit information we may not be able to provide you with credit or our goods or services. It may also affect your use of the website.
Disclosure
We may disclose your personal
and credit information to our employees, officers, related bodies corporate and
third parties as far as reasonably necessary for the purposes set out above.
The third parties to whom we may disclose your personal and credit information
include:
- the manufacturers, suppliers, and contractors
used by us;
- insurers, assessors, and underwriters;
- professional advisors and consultants (such as
lawyers, accountants, and auditors);
- debt collectors;
- potential business purchasers under
confidentiality agreement;
- your guarantors and security providers;
- credit reporting bodies, credit providers and
other information providers;
- government and regulatory authorities (as
required by law);
- website hosts;
- organisations that assist us in research and
development; and
- third party service providers to whom we outsource
some of our functions.
We may also disclose your
personal or credit information to a third party where authorised by you or permitted/required
to do so by law.
Website
When you visit our website we
may collect certain information such as browser type, operating system, website
visited immediately before coming to our site, etc. This information is used in
an aggregated manner to analyse how people use our site, such that we can
improve our service.
We may also use
‘cookies’. A cookie is a small file our
website places on your computer so that it can remember your preferences and
improves your experience of our website.
You can block placement of cookies in your browser settings. You can also clear cookies from your
browser. If you do this, some parts of
our website might not work as well.
When you browse our website,
our server collects and holds your server address, the pages you access and how
long you stayed on a page, the date and time you visited, the previous site you
visited, your geographical location when you visited the site, the type of
browser and operating system you used and the type of device you used to access
the website and its brand.
Disclosure
to overseas recipients
We may disclose personal
information to third party suppliers and service providers located overseas for
some of the purposes listed above. We will take reasonable steps to ensure that
the overseas recipients of your personal information do not breach the privacy
obligations relating to your personal information.
We may disclose your personal
information to entities located outside of Australia such as data hosting
providers, IT administrators, cloud based information technology service
providers and other information technology service providers.
Keeping
your information secure
We are committed to ensuring
that your personal and credit information is secure – both in electronic and
hard copy forms.
Most of your personal and
credit information is securely and safely stored in our electronic database.
Hard copies are kept securely. Our employees are required to comply with confidentiality
obligations and this policy.
Where we disclose personal and
credit information to third parties as mentioned above, we will request that
the third party comply with this policy.
Finally, we take reasonable
steps to destroy or permanently de-identify personal and credit information in
a secure manner when it is no longer required.
Changes
to this policy
Please be aware that we may
amend, vary, modify this policy at any time in our sole discretion and all
changes will be effective immediately upon our posting an updated version on
our website.
How
we deal with requests and complaints
You can access and correct personal
and credit information we hold about you in certain circumstances. You can also contact us if you have any
questions about how we handle your personal and credit information, or if you
wish to make a complaint.
To protect your privacy and
the privacy of others, you will need to provide evidence of your identity before
we grant you access to information.
You
can contact us by email or write to us at the postal address below. We undertake to get back to you within 30
days.
Contact us
| Attn: | The Privacy Officer |
Business Name: | Bossco Auto Parts & Accessories |
Address: | 5,44 Jedda Road, Prestons NSW 2170 |
Email: | sales@bosscoauto.com.au |
| Phone: | (02) 8729 6777 |
Website: | www.bosscoauto.com.au |
More
information
More information about the
Act, APP and CR Code is available from the Office of the Australian Information
Commissioner at http://www.oaic.gov.au.
This policy can be downloaded here.