Credit Reporting

This is the credit reporting policy of Brisbane Capital Pty Ltd, ABN 46 115 153 163, Australian Credit Licence 378356 ("we", "us" and "our" in this policy).

Words defined in the Privacy Act (Cth) 1988 ("Privacy Act"), the Australian Privacy Principles ("APPs") and the Credit Reporting Privacy Code ("CR Code") have the same meaning when used in this policy.

We also have a privacy policy which is available at brisbanecapital.com.au/legal/privacy-policy.

We do not conduct credit checks or obtain credit reports from credit reporting bodies as part of our loan assessment process. However, as a credit provider, the kinds of credit information that we may hold about you include:

• identification information such as your name, date of birth, and address;

• information about consumer credit provided to you, including the type of credit, the day on which the credit is entered into, repayment terms, the maximum amount of credit available, and the day on which the credit is terminated or otherwise ceases to be in force;

• information about whether or not you have met an obligation to make a payment, including the day on which any payment was due and the day on which any payment was made;

• information about payments that are at least 60 days overdue and more than $150, where we have requested payment and recovery is not prevented by a statute of limitations;

• information that an overdue payment has been paid;

• information about arrangements with us regarding repayment; and

• the opinion that you have committed a serious credit infringement in relation to consumer credit.

We collect credit information from customers either by telephone, in person, or in documentation such as an application form (which may be an online application). We may also collect credit information when you make a request or enquiry of us.

We will hold credit information in secure electronic and physical files.

We may collect, use, hold and disclose credit information when permitted by law:

• to manage credit that we provide;

• to assist customers to avoid defaulting;

• to collect debts;

• to comply with laws;

• to deal with complaints; and

• for other lawful purposes.

We do not conduct credit checks or obtain credit reports from credit reporting bodies when assessing loan applications.

However, if you default on your loan, we may disclose credit information about you to a credit reporting body ("CRB"). The CRB that we may disclose your credit information to is:

Equifax Australia
PO Box 964
North Sydney
NSW 2059
1300 762 207

The CRB has a policy about the management of credit-related personal information. You can get a copy of the policy by contacting them using the contact details above.

If we disclose your credit information to a CRB:

• the CRB may include the information in reports provided to other credit providers to assist them to assess your credit worthiness; and

• if you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to the CRB.

Your rights under the Privacy Act in relation to credit-related information include the following:

• You may obtain the CRB's policy about the management of credit-related personal information by contacting the CRB. See contact details above.

• You have the right to access credit-related information that we hold about you, to request us to correct the information, and to make a complaint to us.

• You have the right to request a CRB not to use their credit reporting information for the purposes of pre-screening of direct marketing by a credit provider.

• You have the right to request the CRB not to use or disclose credit reporting information about you if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.

On request from you we will provide details of the credit information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request.

We reserve the right to charge a fee for providing access to your information when permitted by law.

To protect your personal information, the request to us must be in writing and can be sent by letter, email, or phone. All correspondence should be addressed to:

Mail:
The Privacy Officer
Brisbane Capital
Level 34 Waterfront Place
1 Eagle Street
Brisbane QLD 4000

Phone:
07 3726 6888 or 1300 500 289

Email:
privacyofficer@brisbanecapital.com.au

Our objective is to respond to any request within a reasonable timeframe.

We aim to ensure that credit information about you is accurate, up to date and complete. We will assess your request for amendment of information upon written or verbal request from you. You can contact us on 07 3726 6888 or 1300 500 289, or write to The Privacy Officer to do this.

Under the Privacy Act you have the right to make a complaint to us about an act or practice engaged in by us as a credit provider that may be a breach of Part IIIA of the Privacy Act (which deals with credit reporting) or the CR Code (a "Credit Privacy Complaint").

If you make a Credit Privacy Complaint, you must specify the nature of the complaint. It may relate to personal information that has been destroyed or de-identified. We will not charge you for making or dealing with the complaint. Within 7 days we will give you a written notice that acknowledges the making of the complaint and sets out how we will deal with the complaint, and we will then investigate the complaint. If we think it is necessary we may consult with a CRB or another credit provider. After investigating the complaint we will within 30 days (or any longer period agreed by you in writing) give you a written notice setting out our decision.

If you are not satisfied with our decision you may access our external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). The contact details for AFCA are:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
Phone: 1800 931 678
afca.org.au

Under the Privacy Act you may complain to the Office of the Australian Information Commissioner about the way we handle your credit information. The Commissioner can be contacted at:

Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001

Phone: 1300 363 992
Email: enquiries@oaic.gov.au
oaic.gov.au

This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.

You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.

Date published: 22nd January 2020.