About this Credit Policy
This Credit Policy outlines how credit information and credit eligibility information is managed by Seven West Media Limited and its related companies ("Group" or "we"), including but not limited to Seven Network (Operations) Limited, Pacific Magazines Pty Limited (“Pacific”) and West Australian Newspapers Limited (“WAN”).
1. Credit Information we collect and hold and how we collect that information
The credit information we usually collect and hold includes:
a. identification information about you;
b. statements that an information request has been made in relation to you by a credit provider, mortgage insurer or trade insurer;
c. information about the type of consumer credit or commercial credit, and the amount of credit sought in an application that has been made by you to a credit provider where we have made an information request about you to a credit reporting body;
d. court proceedings information about you;
e. personal insolvency information about you;
f. publicly available information about you that relate to your activities in Australia and your credit worthiness that is not court proceedings information about you; and
g. trade reference information including, when requested and with respect to the trading entity: years trading, total value of credit granted, and payment history.We usually collect that credit information directly from you or as part of credit reporting information we obtain about you from credit reporting bodies. In other instances, we may collect that information from other credit providers or publicly available information.
2. The kinds of credit eligibility information we hold
The kinds of credit eligibility information we hold about you includes credit information contained in credit reporting information we obtain about you and information we derive from that credit reporting information which under the Privacy Act is called “CP (Credit Provider) derived information”.
3. How we hold credit information and credit eligibility information about you
We usually hold credit information and credit eligibility information about you on electronic databases or in hard copy records.
The Group maintains physical security over its paper and electronic data stores, such as locks and security systems. The Group also uses computer and network security technologies such as firewalls, intrusion prevention software, antivirus software, external email filtering and passwords to control and restrict access to authorised staff for approved purposes and to secure personal information from unauthorised access, modification, disclosure, misuse and loss.
4. The kinds of CP derived information we usually derive from credit reporting information
The kind of CP derived information we usually derive from credit reporting information disclosed to us by a credit reporting body is information necessary for us to generate an internal risk profile analysis about you which we use to determine your credit worthiness for credit.
5. The purposes for which we collect, hold, use and disclose credit information and credit eligibility information
The purposes for which we collect, hold, use and disclose credit information, credit eligibility information and trade reference information includes assessing your application for credit, and if successful, managing that credit.
6. How you can access credit eligibility information
You may request access to credit eligibility information the Group holds about you. All requests for access to credit eligibility information must be made in writing and addressed to the Privacy Officer.
You should provide as much detail as possible regarding the business entity, department or person who you believe holds your credit eligibility information, and when. This will allow the Group to process your request faster.
The Group will respond to your request within a reasonable period after your request is made. Unless unusual circumstances apply, we should be able to provide access within 30 days of your request.
You will be asked to verify your identity by providing such evidence as is reasonable in the circumstances to satisfy us of your identity and your entitlement to the access under the Privacy Act, the Privacy Regulations or the Credit Reporting Privacy Code.
A fee may apply to your request in the event that a request for access is onerous or time consuming. Such a fee will cover staff costs involved in locating and collating information, and reproduction costs.
We will take reasonable steps to provide an accessible means for you to obtain access to credit eligibility information about you.
In some circumstances, the Group may not provide access to your credit eligibility information. Such circumstances include the following:
a. giving access would be unlawful; or
b. denying access is required or authorised by or under an Australian law or a court/tribunal order;
c. giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body.If the Group denies access to your credit eligibility information, it will provide you with a written notice that:d. sets out the reasons for the refusal except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so; and
e. states that, if you are not satisfied with the response to the request, you may make a complaint to the Office of the Australian Information Commissioner (OAIC) under Part V of the Privacy Act using the details below.
7. Overseas disclosures of credit information and credit eligibility
The Group is unlikely to disclose credit information or credit eligibility information about you to entities that do not have an Australian link, other than identification information about you. In the case of identification information about you, the entities to whom we are likely to disclose that information are likely to be located in the UK, the US and New Zealand.
8. How you can seek the correction of credit information or credit eligibility information about you
You can also request that we correct credit information or credit eligibility information about you which the Group holds.
All requests for correction to credit information or credit eligibility information must be made in writing and addressed to the Privacy Officer.
You should provide as much detail as possible regarding the business entity, department or person who you believe holds your credit information or credit eligibility information. This will allow the Group to process your request faster.
If we are satisfied that the credit information or credit eligibility information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take such steps (if any) as are reasonable in the circumstances to correct that information within 30 days of your request or any such longer period as you agree to in writing.
If we do not correct the information, we will, within a reasonable period, give you a written notice that:a. states that the correction has not been made;
b. sets out our reasons for not correcting the information (including evidence substantiating the correctness of the information); and
c. states that, if you are not satisfied with the response to the request, you may make a complaint to the Commissioner under Part V of the Privacy Act 1988 using the details below.
If you believe that we have failed to comply with the credit reporting provisions (found at Division 3 of Part IIIA of the Privacy Act) or the Credit Reporting Privacy Code, you are entitled to make a complaint by using the procedure outline below, other than where those complaints relate to an access request to credit eligibility information or a correction request with respect to credit information or credit eligibility information.
Complaints relating to access requests to credit eligibility information or a correction request with respect to credit information or credit eligibility information should be made to the OAIC using the details set out below.
The procedure for making a complaint is as follows:a. All complaints should initially be in writing and directed to the Privacy Officer.
b. The complaint must specify the nature of the complaint.
c. The complaint may relate to personal information that has been destroyed or de-identified.
d. The Group will, within 7 days after the complaint is made, give you a written notice that acknowledges the making of the complaint and sets how we will deal with the complaint.
e. After giving you the above written notice, the Group will investigate the complaint.
f. We will consult a credit reporting body or a credit provider about the complaint if we consider this necessary.
g. After investigating the complaint, we will, within 30 days of your complaint (or any longer period you agree to in writing) make a decision about the complaint and give you a written notice that:a. sets out the decision;
b. states that, if you are not satisfied with the decision, you may make a complaint to the OAIC under Part V of the Privacy Act using the details below.
10. The OAIC's Contact Details
Officer of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
GPO Box 5218 Sydney NSW 2001
11. Privacy Officers’ Contact Details
Please address all written correspondence to:
Credit Reporting Privacy Officer, c/- Finance Department
Seven Network (Operations) Limited
PO Box 777, Pyrmont NSW 2009
Privacy Officer, c/- Legal Department
Seven West Media Limited
PO Box 777, Pyrmont NSW 2009
All terms defined in the Privacy Act 1988 (Cth) have the same meaning when used in this Credit Policy.
13. Changes To This Credit Policy
The Group may, without notice, change this Credit Policy from time to time for any reason and will update the Policy accordingly. We ask that you visit our website periodically in order to remain up to date with such changes.