Privacy policy

Our commitment to you

Larnec Pty Ltd ACN 114 605 006 (“we”, “us”, “our”) is committed to protecting your privacy and is committed to complying with the Australian Privacy Principles (“APPs”) and credit reporting provisions set out in the Privacy Act 1988 (Cth) (“Privacy Act”) and any other relevant privacy law or regulation.  

This privacy policy sets out our privacy practices in relation to our website and the provision of doors and other related goods and services that we provide (“Services”). This policy is designed to give you a greater understanding of how we collect, use, disclose and otherwise handle your personal information (including credit-related personal information) and the steps we take to protect it. By using our Services, you consent to the practices outlined in this privacy policy.  

Types of information we collect

When we refer to personal information, we mean information or an opinion, whether true or not and whether recorded in material form or not, about an individual who is identified or reasonably identifiable from such information or opinion.

We collect personal information directly and indirectly from you. We collect information from third parties, including credit reporting bodies and other credit providers (details set out in our “credit-related personal information” section below). The types of personal information we may collect from you depends on the type of dealing you have with us. Examples of personal information we may collect includes:

• contact information – such as your name, geographical location, email address, work address, home address, telephone number, your web browser characteristics, such as, your internet protocol address, device identification, transaction identification, browser type and any referring uniform resource locators;
• demographic information – such as your age, date of birth, gender, preferences and interests;
• site information – personal information you provide to our site and information about how you use our Services including dates and times of site visits; and
• financial or billing information – such as billing address, bank account and payment information.
  

Why we collect and hold your personal information

We collect and hold your personal information to help us run our business and serve you better including to:

Sensitive information

Sensitive information is a subset of personal information that is afforded greater protection under the Privacy Act. ‘Sensitive information’ includes any information about your racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or union, sexual preferences or practices, criminal record, or health information.

We do not collect sensitive information, however, if you elect to provide unsolicited sensitive information, we may use it if it is reasonably necessary to perform our functions or activities (or if otherwise permitted by law).

Using our website

When you use the Services, we may automatically collect information about your use of our Services, which is not personal as it does not reveal your identity.  For example, when you use our Services, our server log may download your search queries, internet protocol address, hardware settings, browser type, browser language, the date and time of your request and referral uniform resource locators that identify your browser. We may use and disclose this information in anonymised and aggregated form, only for purposes including to assist us to improve the functionality of our Services. You are not individually identified. However, we reserve the right to use or disclose this information in the unlikely event of a data breach, or an investigation where a law enforcement agency or other government agency may exercise its legal authority to inspect our internet web server logs.

Cookies

We use cookies to collect information about you when you use the Services. In doing so, we may place a “cookie” (a small text file) on any computer or device you use to access our website. Cookies enable us to provide you with a more personalised and easy to use our website. When you revisit our website, cookies will enable us to recognise you as a previous visitor.

How we store and to whom we disclose your personal information

We hold your personal information in electronic form, and we may also use cloud storage to store your personal information. Your personal information may be sent overseas, for example, to be transferred to a service provider in the United States of America. Where we use a service provider that hosts personal information in other countries, we take steps that are reasonable in the circumstances to ensure that the service provider does not breach the APPs.

We may disclose your personal information internally and we may also disclose your personal information to the following external parties:

• external service providers, so they can provide a service we have contracted out or wish to contract out to them. External service providers may include, but are not limited to, freight and delivery providers, information technology and data storage providers, marketing and communications agencies and debt collectors;
• credit reporting bodies and other credit providers (see details under the “credit-related personal information” heading below);
• referees whose details are provided to us by job applicants;
• anyone, where you have provided us consent; or
• other persons or entities as required or allowed by law.
  

Credit-related personal information and statement of notifiable matters

Provision of credit

We may provide you with credit within the meaning of the Privacy Act to our customers in connection with the supply of our products and services (for example, if we bill you after supplying products or services to your business). If we share credit-related personal information about you with credit reporting bodies (“CRBs”) or other participants in the credit reporting system (including other credit providers), we are required to comply with the credit reporting provisions in Part IIIA of the Privacy Act and the Credit Reporting Privacy Code (“CR Code”).

Why we collect credit-related information

We collect, hold, use and disclose credit-related personal information for the purposes permitted by the Privacy Act and the CR Code, including:

• to assess your application for credit and verify your identity.
• if you are a director of a corporate customer:

• to assess whether to accept you as a guarantor of the corporate customer’s obligations under our credit application.
• to collect payments that are overdue in relation to commercial credit provided to the corporate customer.

• to derive assessments, evaluations, scores, ratings and summaries relating to your credit-worthiness.
• to manage your account, including collecting payments and assisting you to avoid defaulting on your credit obligations.
• to undertake debt recovery and enforcement activities
• to participate in the credit reporting system (including by providing credit-related personal information to CRBs and other credit providers).
• for other purposes required or authorised by law.
  

The credit-related personal information we collect

• your current and prior names, addresses and employers, gender, date of birth and driver’s licence number.
• the fact that you have applied for credit with us, or other credit providers and the type and amount of credit sought.
• the fact that you have agreed to guarantee the obligations of another under a credit facility offered by us.
• the day that credit is entered into with us or other credit providers, the terms or conditions of that credit and the maximum amount of credit available.
• the day on which credit provided to your business is terminated or otherwise ceases
• credit payments of $150 or more owed to us or another credit provider that are overdue for more than 60 days that you have been notified of (and whether you have subsequently repaid the overdue amount).
• whether you have committed a serious credit infringement.
• whether you have entered into an arrangement with us or another credit provider in connection with credit provided to your business.
• credit-related court proceedings and personal insolvency information.
• publicly available credit-related information.
• a credit rating or score that is calculated by a CRB (or by us using information from a CRB) and that has a bearing on your credit-worthiness.
• administrative information relating to credit provided by us.

How we collect and hold credit-related personal information

We collect credit-related personal information from you (directly or through the operation of your account with us), from CRBs and other credit providers and from other third parties where this is permitted under Part IIIA of the Privacy Act. We may also generate the information ourselves, through our own analyses.

The information will be held by us on our customer database, in physical and/or electronic form located in Australia.

Who we disclose credit-related personal information to

We may disclose credit-related personal information to third parties for the purposes outlined above, including to:

• CRBs and other credit providers;
• our related bodies corporate;
• third parties that manage credit applications for us;
• debt collectors and credit management agencies;
• third parties in connection with the potential assignment of debts, security for credit or purchase of an interest in us; and
• other third parties where required or authorised by law.
  

CRBs may include the information we provide them in reports provided to other credit providers, to assist them in assessing your credit-worthiness.

The CRBs we use

The CRBs we deal with are not limited to Equifax Australia, Illion Australia, Experian Australia and Creditor Watch. Contact details for each, and details about how you can obtain each CRB’s privacy policy, are set out below.

Equifax Australia Information Services and Solutions Pty Ltd
Mail: Customer Relations, Equifax, PO Box 964, North Sydney, NSW, 2059
Email: SubscriberAssist.au@equifax.com
Phone: 13 83 32
Privacy Policy: Available at www.mycreditfile.com.au.

Illion Australia Pty Ltd
Mail: Illion Public Access Centre, Illion, PO Box 7405,St Kilda Rd VIC 3004
Email: pac.austral@illion.com.au
Phone: 1300 734 806
Privacy Policy: Available at www.checkyourcredit.com.au.

Experian Australia Credit Services Pty Ltd
Mail: Privacy Manager, Experian Australia, PO Box 1969, North Sydney, NSW, 2060
Email: creditreport@au.experian.com.au
Phone: 1300 783 684
Privacy Policy: Available at www.experian.com.au.

Creditor Watch Pty Ltd
Mail: Privacy Officer, Creditor Watch, PO Box 276, Sydney, NSW, 2001
Email: Support@CreditorWatch.com.au
Phone: 1800 738 524
Privacy Policy: Available at www.creditorwatch.com.au/privacy/.

Your rights in relation to CRBs

Pre-screening for direct marketing – Credit providers can ask CRBs to use your credit reporting information to “pre-screen” marketing lists for the credit provider. You can tell CRBs not to use your credit reporting information for this purpose by contacting them (details above).

Victims of fraud – If you think you have been, or are likely to be, a victim of fraud (including identity fraud), you can contact the CRB (details above) and ask them to put a ban on using or disclosing your credit reporting information.

Access and correction of credit eligibility information

You have the right to access and correct the credit-related personal information that we hold about you. If you wish to make an access or correction request, please refer to our “access and correction” section below.

Complaints about credit-related personal information

If you have a complaint about our handling of credit-related personal information, please refer to our “complaints” section below.  

How long we keep your personal information

We will retain your personal information for as long as you are a user of the Services. We may retain your personal information after you stop being a user of the Services to comply with our legal obligations or if retention is advisable considering our legal position for recordkeeping purposes (such as, for statutes of limitations or litigation investigations). We will continue to take reasonable steps to safeguard your personal information for as long as we hold it. If we no longer need to use your personal information for the purposes set out in this policy, we will take reasonable steps to destroy or permanently alter your personal information so that your identity cannot, by any reasonable means, be revealed from the information that we hold about you.

Links to other websites and social media

Links to third party websites that are not operated or controlled by us are provided for your convenience. We are not responsible for the privacy or security practices of those websites, which are not covered by this privacy policy. Third party websites should have their own privacy and security policies, which we encourage you to read before supplying any personal information to them.

Marketing

If we have an existing relationship with you, or if you have subscribed to our mailing list, we may use your personal information to provide you with current information about products and services that may be of interest to you. If you do not wish to receive marketing information, you may at any time decline to receive such information by writing to us at privacy@larnec.com.au or you may also use the opt-out or unsubscribe option provided in the marketing information you receive from us.

Access and correction

You have the right to ask us to update or correct any personal information we hold about you (including credit-reporting personal information). We will generally rely on you to ensure the information we hold about you is accurate or complete. You may also access personal information that we hold about you by contacting our Privacy Officer (whose details are set out in the “how to contact us” section below). We may require you to verify your identity before processing any access or correction requests. We will acknowledge your request within 14 days and respond to your request within 30 days. We may charge you a reasonable fee to cover our reasonable costs of locating the information and providing it to you.

Complaints

If you are concerned that your personal information has been mishandled, you first need to complain to us. Please send your complaint in writing to our Privacy Officer (whose details are set out in the “how to contact us” section below).

Complaints process - APPs

We will acknowledge your request within 14 days and respond to your request within 30 days.

Complaints process – credit-related personal information

We will provide you with a written notice acknowledging your complaint and explaining how we will deal with it within 7 days after the complaint is made. We will then investigate the complaint, consult any CRB or other credit providers if we consider it necessary and provide you with a written notice of our decision within 30 days (or longer if you agree).

If you are not satisfied

If you are not satisfied with our response, you can refer your complaint to the Office of the Australian Information Commissioner who may investigate your complaint further.

Changes to this privacy policy

We may amend this privacy policy from time to time. We will notify you of any amendments by posting an updated version of the privacy policy on this website.  

This version of this privacy policy is dated 1 February 2023.

How to contact us

If you have any queries about the personal information that we hold about you or the way we handle that personal information, please contact our Privacy Officer:

Dione Wood, Privacy Officer

Mail: 1 Shepherd Road, Swan Hill 3585

Email: privacy@larnec.com.au

Telephone: (03) 8383 7703

Further general information about privacy is available on the website of the Office of the Australian Information Commissioner.