The purpose of this policy is to provide you with information about our credit management practices and how we manage your credit-related information.
Casphone Mobile may provide credit as contemplated in the Privacy Act to our customers with our products and services (for example, post-paid accounts) and as a result, we may collect credit information and credit eligibility information about you as referred to in the Privacy Act. This section sets out how we manage that information.
Black Mobile Pty Ltd (“Casphone Mobile”) is the Credit Provider and issuer of all end-user accounts. Casphone Mobile has appointed Wholesale Mobile Services Pty Ltd (“Wholesale Mobile Services”) as the responsible entity to manage all credit checks and reporting activities on its behalf. Accordingly, you consent to Wholesale Mobile Services performing credit checks and reporting activities as an agent of Casphone Mobile and in accordance with this agreement. Consequently, Wholesale Mobile Services will appear as the entity conducting these activities on credit reports and other financial documents received by end-users. Casphone Mobile maintains a close working relationship with Wholesale Mobile Services, which acts strictly in relation to these processes. This arrangement does not alter the nature of your contractual relationship with Casphone Mobile as your reseller service provider. All activities will be conducted in compliance with Australian consumer and privacy laws, including the Privacy Act 1988 (Cth).
Credit information relates primarily to your credit related dealings with Casphone Mobile and covers various types of information that can be collected by Credit Reporting Bodies (CRBs) that report on consumer credit worthiness.
Credit information includes:
Casphone Mobile may collect credit information about you in any of the circumstances relating to other personal information described in our Privacy Policy under ‘Why do we collect personal information’. Credit eligibility information is information equivalent to the kinds listed above that we generally collect from CRBs.
This information relates primarily to your dealings with other credit providers (for example, banks, other financial institutions, or other organisations that may provide you with credit in connection with their products or services). It may also include certain credit worthiness information that we derive from the data that we receive from a CRB. Sometime, we may also collect credit eligibility information about you from other credit providers
We store and safeguard your credit information and credit eligibility information in the ways described in our Privacy Policy under ‘Keeping your personal information secure’.
We may disclose your credit information to CRBs such as illion Australia Pty Ltd (formerly Dun & Bradstreet) (w: www.illion.com.au/ e: chc-au@illion.com.au t: 1300 734 806)
The CRB may include in reports the credit related information we provide to it. Those CRBs may then include that information in credit reporting information that they provide to other credit providers to assist them to assess your credit worthiness.
If you fail to meet your payment obligations or commit a serious credit infringement, we may disclose this to a CRB.
You have the right to access credit related information we hold about you, request that we correct the information, and make a complaint, as set out further in our Credit Reporting Policy.
You can request a credit reporting body not to use your credit reporting information for the purposes of pre- screening of direct marketing by us.
You can request a credit reporting body not to use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
We may also use and disclose your credit information for other purposes and in other circumstances as described in our Privacy Policy under ‘How do we use your information’ when permitted to do so under the Privacy Act.
Our use and disclosure of credit eligibility information is regulated by Part IIIA of the Privacy Act and the Credit Reporting Privacy Code. We will only use or disclose such information for purposes permitted by these laws, such as:
If you wish to complain about any breach or potential breach of the Privacy Policy or the Australian Privacy Principles by us, of if you think that we have not complied with Part IIIA of the Privacy Act or with the Credit Reporting Privacy Code (which regulates credit reporting) you can contact us and request that your complaint be directed to the Privacy Officer.
We will use our best efforts to respond to your complaint within 7 days of receiving your complaint. It is our intention to use our best efforts to resolve your complaint to your satisfaction, however, if not satisfied with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.
Casphone Mobile reserves the right to change this Privacy Policy from time to time by changing it on our website. The amended policy will apply between us regardless of whether or not we have given you specific notice of the change.
You can request a copy of our Privacy Policy or Credit Reporting Policy by contacting us, or obtain it directly from our website. You can ask us to provide you a hard copy of our Privacy Policy or Credit Reporting Policy (including the Statement of Notifiable Matters). You can request a copy of the credit reporting body’s credit reporting policy from its website.
If you require more information about Casphone Mobile’s Privacy Policy, please contact us as follows: