1.1 Personal Information

We may collect the following types of personal information:

• Name
• Job title
• Mailing, billing or street address;
• Email address
• Telephone number and other contact details
• Bank account and/or credit card details, accounts
• Industry
• Tax number
• Your device ID, device type, geo-location information, computer and connection information, statistics on page views, traffic to and from the sites, ad data, IP address and standard web log information
• Details of the products or services we have provided to you or that you have enquired about, including any additional information necessary to deliver those products or services and respond to your enquiries
• Preferences and interests
• Details of enquiries or complaints you make
• Any additional information relating to you that you provide to us directly through our website or registration or enquiry forms (including our partner on-boarding form), or indirectly through your use of our services, our website, or online presence or through other websites or accounts from which you permit us to collect information
• Information you provide to us through customer surveys; or
• Any other personal information that may be required in order to facilitate your dealings with us

We may collect these types of personal information either directly from you, or from third parties. We may collect this information when you:

• Create an account on our website
• Complete registration or enquiry forms, order any products or services from us, publish reviews, upload content, participate in message boards, blogs and/or any other user generated content facilities or send emails to us
• Communicate with us through correspondence, chats, email, or when you share information with us from other social applications, services, or websites; and
• Interact with our sites, content, and advertising

We will generally collect personal information directly from you. We may also collect personal information from third parties (including third party data analytic service providers), third-party social-networking sites (including but not limited to Facebook, Twitter, or Google+) and publicly available sources of information. We may use personal information supplied by you or a third party to source additional personal information from publicly available sources of information.

Where lawful and practical, you have the right to remain anonymous or to make use of a pseudonym, however if you choose to remain anonymous or to use a pseudonym, we and our third party contractors and merchants, as the case may be, may not be able to provide you with access to some or all of our products or services (including products or services information).

Please do not submit your personal information to us if you do not wish for us to collect it.

1.2 Sensitive Information

Some personal information (for example, race, ethnicity, and health information) is sensitive and requires a higher level of protection under the Privacy Law. We will not generally collect any sensitive information from you which we consider is unnecessary to provide our products or services. We will only collect such sensitive information when we have your express consent for us to do so and the collection is reasonably necessary for us to provide our products or services, or where the information is required or authorised by law or necessary for the establishment, exercise, or defence of a legal claim. 

1.3  Credit information we collect and hold

In accordance with the Credit Code, we collect and hold credit reporting information, credit identification information, credit capacity information and personal information.

Where personal information concerning an overdue payment is held and, where information concerning an overdue payment is presented to a credit reporting body, the amount overdue will be a minimum of $150 (or such other higher amount prescribed by specific privacy regulations).

In accordance with Section 6 of the Privacy Act, we may collect and hold the following personal information (in addition to the above):

• Consumer credit liability information
• Repayment history information
• A statement that an information request has been made by us to a credit reporting body in relation to your application for credit
• A statement that an information request has been made to a credit reporting body, by a credit provider, in relation to your application for credit
• The type of consumer credit or commercial credit, and the amount of credit sought in an application that you have made to a credit provider, in connection with which that credit provider as made an information request concerning you
• Publicly available information concerning your activities in Australia and your credit worthiness, including information recorded on the National Personal Insolvency Index
• Any opinion that we might reach that you have committed a serious credit infringement in relation to consumer credit we have provided to you, with the circumstances specified on the file; and
• Unsolicited information that we may deem relevant to keep on file.