Starling Energy Group Pty Ltd ACN [617 042 592] of level 1, 191 St Georges Tce, 6000; and
CEPCO 2019 Pty Ltd ACN 634 959 845 of level 1, 191 St Georges Tce, 6000; and
DCEP INC, IARN: A1029023B (The Community Association) of Level 1, 191 St Georges Terrace Perth WA 6000
collectively and individually (‘us‘, ‘we‘, ‘our‘), and describes how we manage:
More complete definitions of ‘credit information’ and ‘credit eligibility information’ are provided in the Privacy Act 1988 (Cth) (Privacy Act) and the Credit Reporting Privacy Code (CR Code), which are available on the website of the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au. Credit information and credit eligibility information is collectively referred to throughout this policy as ‘credit related information’.
We are bound by Part IIIA of the Privacy Act, and by the CR Code, which govern credit reporting in Australia.
This Credit Reporting Policy explains:
This Credit Reporting Policy applies to credit related information about individuals, and does not apply to commercial credit information. For information about how we manage other personal information about you, please see our individual Privacy Policies.
When you apply for credit with us, throughout our relationship, and for as long as we are required under the law, we may collect and hold your credit information. Examples of which include:
We collect credit information in a variety of ways, such as obtaining the relevant information directly from you or from persons acting on your behalf (including on application forms or other forms or in our ongoing dealings with you in connection with credit). Some credit information will also be derived by us from your transactions in connection with credit, such as when you make payments to us.
We may obtain credit reporting information about you from CRBs. Credit reporting information includes:
We may also disclose your credit information relating to your dealings with us to CRBs. Those CRBs may include that information in reports that they provide to other credit providers to assist them to assess your credit worthiness. For example, we will provide information that identifies you and about your application for credit when obtaining credit reporting information for the purposes of assessing that application.
We may disclose credit information to the following CRBs:
Phone: 1300 783 684
Mail: PO Box 1969, Nth Sydney NSW 2060
These CRBs are each required to have a policy which explains how they will manage your credit-related personal information. If you would like to read the policies of these CRBs please see their privacy policies available on their websites (as set out above).
You have the right to request these CRBs to exclude your credit reporting information from any permissible direct marketing activities that a credit provider may request them to perform. You also have the right to request (without cost) that CRBs not to use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, you suspect someone is using your identity details to apply for credit). You must contact the CRBs directly should this be the case.
We may use credit reporting information that we have obtained from a CRB to derive other information that assists us in assessing your creditworthiness, for example, to form a credit risk rating, credit scores, or eligibility to be provided with consumer credit.
We understand the importance of protecting the personal information we hold, including credit information and credit eligibility information. We take reasonable steps to ensure that this information is free from misuse, interference, loss, unauthorised access or modification. Examples of these steps include:
We may collect, hold, use and disclose credit related information about you, as well as information derived from credit information and credit eligibility information for purposes reasonably necessary for our business activities and consistently with the requirements in the Privacy Act as permitted by law. These purposes include:
Restrictions apply under the Privacy Act in relation to the circumstances and purposes for which such information may be used or disclosed and we comply with these restrictions. For example, credit eligibility information may not be disclosed to some types of overseas entities and restrictions apply on the use of credit eligibility information for direct marketing.
We may share your credit related information with related companies, and other organisations to help us provide credit. These other organisations may include, insurers, credit reporting bodies or system operators. We may also use third party service providers.
You may request us to provide you with access to the credit related information which we hold about you by contacting us on the details listed below at ‘Contact Us’.
We will need to verify your identity before giving you access to your credit related information. We will usually provide the information requested within 30 days of receiving your request.
In certain situations, we may not agree to a request for access of credit related information that we hold about you. If this occurs we will advise you in writing of our decision, and of our reason(s) for not agreeing to the access request
We aim to hold accurate and up-to-date credit related information about you at all times. If you consider that any such information we hold about you is incorrect in any way, you may ask us to correct that information. To seek such a correction, please contact us using the details listed below at ‘Contact Us’.
If we do not agree to a request to correct information we hold about you, we will advise you in writing of our decision, and of our reason(s) for not agreeing to the correction request.
If you believe that we have failed to comply with the credit reporting requirements in Division 3, Part IIIA of the Privacy Act or the Credit Reporting Privacy Code, please contact us using the contract details listed below. We will aim to respond as soon as possible with a solution, or with our anticipated resolution time.
You may also refer the matter to the Office of the Australian Information Commissioner (OAIC), who can be contacted by phone on 1300 363 992, by mail at GPO Box 5218, Sydney NSW 1042, or online at https://www.oaic.gov.au/about-us/contact-us.
If you would like a copy of this Credit Reporting Policy, have questions, or would like to make a request, our contact details follow.
Phone: (08) 6115 6320
Address: Level 1, 191 St Georges Tce, Perth WA, 6000
This Credit Reporting Policy was last updated on 18th July 2019 and is subject to change.
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