Privacy Collection Statement for Credit Reporting.
This is Smart Energy’s Credit Reporting Policy, which describes how we comply with our obligations in relation to credit-related information and credit reporting contained in the Privacy Act. Your credit information is being collected by Smart Energy Retail Pty Ltd (ABN 49 639 060 405) or one of its subsidiaries or affiliates (together, we or us).
- What information we collect
We may collect credit-related information about you, including:
- your name and contact details;
- your credit history, including any repayments or late repayments you have made;
- details of any credit you have sought or obtained from other credit providers;
- any credit rating or credit assessment score that we calculate or that a credit reporting body might provide to us; and
- details of any credit-related court proceedings or insolvency applications that relate to you.
- How we collect your credit related information
- The purposes for which we collect your credit-related information
We use your credit-related information to help us decide whether to provide or continue to provide any products or services to you on credit and to manage our relationship with you as permitted by Part IIIA of the Privacy Act.
We may use or disclose your credit-related information for a range of purposes including to:
assess any application you make for credit;
- collect payments that you owe us;
- consider whether to provide credit to you;
- respond to any access or correction requests that you make to us, a credit reporting provider or another credit provider;
- respond to any complaint that you make, whether to us, a regulator or any provider of a recognised external dispute resolution scheme; and
- comply with the law or an order of a court or tribunal.
- When we disclose your credit related information to third parties
We may disclose your credit-related information to:
- credit reporting bodies that collect credit-related information about individuals and use that information to provide a credit-related service to their customers;
- third parties – such as debt collectors, credit management agencies and our agents and other third parties that provide credit-related services to us – for example, by processing applications for credit made to us;
- other energy providers that provide, or are considering providing, credit to you;
- a third party that you or we ask to act as guarantor of any credit provided to you;
- third parties to whom we assign your debt.
- What credit reporting bodies do
Credit reporting bodies collect a range of credit-related information about individuals to provide a credit-related service to their customers. They may include your information in reports provided to other credit providers to help them assess your credit worthiness.
- What information we may give to credit reporting bodies
We may inform credit reporting bodies if you:
- do not pay for the products and services that we provide to you;
- commit fraud or try to; and
- commit a serious credit infringement.
This may affect your ability to obtain credit in the future.
- Which credit reporting bodies we use
We may disclose your information to:
Illion Data Registries Pty Ltd
Call: 1300 734 806
Mail: PO Box 7405 St. Kilda Rd Melbourne VIC 3004
Email: [email protected]
- How we store your information
We securely store all credit-related information that we collect or hold about you. We do not currently hold credit-related information overseas. If your credit-related information is held overseas in the future we will update this collection statement.
- What happens if we refuse your credit application
If we refuse your credit application based on information from a credit reporting body, we tell you and give you the name and contact details of that body and any other information we are required to give you.
- Accessing and correcting any credit-related information
- How to make a complaint
Unless it is impracticable or unlawful for us to do so, we will notify any credit provider and credit reporting body to which we have disclosed information that you have made a complaint and the outcome of that complaint.
- Fraud and identity theft
If you believe you have been a victim of fraud or identity theft, you can contact the credit reporting bodies directly and ask them not to disclose your credit-related information.
- Different format of this policy