Privacy Policy

This Policy was last reviewed and updated on: 11/08/2022

Privacy Policy

Bonlec Pty Ltd values and respects the privacy of the people we deal with. Bonlec Pty Ltd is committed to protecting your privacy and complying with the Privacy Act 1988 (as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012) (Cth) (Privacy Act) and other applicable privacy laws and regulations.

This Privacy Policy (Policy) describes how we collect, hold, use, and disclose your personal information, and how we maintain the quality and security of your personal information.

the kinds of personal information which we will collect and hold;
how we will collect, hold, use and disclose personal information;
the purpose for which we collect, hold, use and disclose personal information;
how you may access personal information that is held by us and seek correction of such Information;
how you may complain about a breach of the APP’s or registered APP code (if any) that binds us and how we will deal with such a complaint; and
whether we are likely to disclose personal information to overseas recipients.

This policy also includes our policy on the handling of credit reports and other credit-related information.
We update our privacy policy periodically and encourage you to check our website regularly for any updates. A hardcopy of our privacy policy is also available upon request.

What is personal information?

“Personal information” means any information or opinion, whether true or not, and whether recorded in a material form or not, about an identified individual or an individual who is reasonably identifiable. In general terms, this includes information or an opinion that personally identifies you either directly (e.g. your name) or indirectly.

What personal information do we collect?

The personal information we collect about you depends on the nature of your dealings with us or what you choose to share with us.

The personal information we collect about you may include:

your legal name;
your business and trading names;
the name and title of the individual who represents your organisation or access our websites on your behalf;
the email address of that individual and the organisation;
the website address and the domain type of your organisation;
the telephone numbers, facsimile, postal and street addresses of the organisation information disclosed about your organisation in the enquiry or message submitted, including information we might be able to infer from the context such as sectoral, employment, turnover, geographical, and size issues;
the subject matter of the enquiry or message;
your browsing history on our website; and
records of your communications and other interactions with us.

Under certain circumstances, Bonlec Pty Ltd may need to collect sensitive information about you. This might include any information or opinion about your racial or ethnic origin, political opinions, political association, religious or philosophical beliefs, membership of a trade union or other professional body, sexual preferences, criminal record, or health information.

If we collect your sensitive information, we will do so only with your consent, if it is necessary to prevent a serious and imminent threat to life or health, or as otherwise required or authorised by law, and we take appropriate measures to protect the security of this information.

You do not have to provide us with your personal information. Where possible, we will give you the option to interact with us anonymously or by using a pseudonym. However, if you choose to deal with us in this way or choose not to provide us with your personal information, we may not be able to provide you with our services or otherwise interact with you.

How do we collect your personal information?

We collect your personal information directly from you when you:

Interact with us over the phone;
interact with us in person;
interact with us online;
participate in surveys or questionnaires;
attend a Bonlec Pty Ltd event;
subscribe to our mailing list;
apply for a position with us as an employee, contractor or volunteer;
assess credit applications;
review existing credit terms;
assess credit worthiness;
collect overdue payments;
assess credit guarantees (current and prospective);
internal management purposes;
marketing;
sales;
business development purposes and direct marketing;

Collecting personal information from third parties

We may also collect personal information for both the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.

We may also collect personal information from other credit providers, Credit Reporting Bodies and any other third parties for the purposes of our functions and activities including, but not limited to, credit, sales, marketing and administration.

How do we use your personal information?

We collect, hold and use your personal information to enable us to use your details to contact you and to reply to any queries or requests in relation to your account and in relation to the supply to you of our goods and services.

We use your personal information in the administration of your account, which includes us contacting you in order to update your account details (this assists us with keeping our records as up to date as possible) or in order to notify you of changes or improvements to our products or services that may affect our service to you. We may disclose your personal information to administrators who assist in the administration of your account from time to time.

We use your personal information in order to supply our goods and services to you and to meet our contractual obligations to you.

Direct marketing

You consent to us directly marketing our products and service offerings to you. You may withdraw your consent and opt out at any time by making a request (by email) to us not to receive direct marketing communications from us or any company we may approve.

We restrict the disclosure of an individual’s details to only those organisations and individuals that we feel you would reasonably expect to receive direct marketing material from. Third parties to which we provide personal information will only use it for the purposes for which it is collected or otherwise as permitted by law.

You consent to us providing personal information about you to:

commercial companies that have genuine and relevant product or service to inform you of, and to whom you would reasonably expect us to disclose information as part of our service offering to you;
organisations involved in distribution or administration for and on behalf of us or related bodies corporate; and
as otherwise permitted or required by law.

Disclosure of personal information to third parties

We may disclose your personal information to third parties in accordance with this Policy in circumstances where you would reasonably expect us to disclose your information. For example, we may disclose your personal information to:

our third party service providers (for example, our IT providers);
our marketing providers;
our professional services advisors;

Disclosure to Credit Reporting Bodies (“CRB’s”)

We may disclose personal information to a CRB in accordance with the permitted disclosures as defined under the Act.
We may disclose your Credit Information to a number of CRB’s, some of these are listed below.

Dun & Bradstreet Australia
Level 2/143 Coronation Dr, Milton QLD 4064

A copy of the credit reporting policy for the CRB’s listed above will be available on their website or will be provided in hard copy upon request.

Transfer of personal information overseas

Some of the third-party service providers we disclose personal information to may be based in or have servers located outside of Australia, including in insert overseas countries where third parties are located / have servers.

Where we disclose your personal information to third parties overseas, we will take reasonable steps to ensure that data security and appropriate privacy practices are maintained. We will only disclose to overseas third parties if:

you have given us your consent to disclose personal information to that third party; or
we reasonably believe that:
- the overseas recipient is subject to a law or binding scheme that is, overall, substantially similar to the APPs; and
- the law or binding scheme can be enforced; or
the disclosure is required or authorised by an Australian law or court / tribunal order.

Customer information is stored in databases shared by BONLEC PTY LIMITED situated within Australia and equivalent jurisdictions.

We use secure servers in order to store your personal information and ensure proper data storage. We take all reasonable measures to protect personal information that we hold from misuse, loss, unauthorised access, modification or disclosure.

If you provide paper-based documentation, we may retain the paper documents in addition to saving copies in an electronic format.

How do we protect your personal information?

Bonlec Pty Ltd will take reasonable steps to ensure that the personal information that we hold about you is kept confidential and secure, including by:

having a robust physical security of our premises and databases / records; taking measures to restrict access to only personnel who need that personal information to effectively provide services to you;
having technological measures in place (for example, anti-virus software, fire walls);

Online activity

We do not use cookies to identify you, just to improve your experience on our website(s). If you do not wish to use the cookies, you can amend the settings on your internet browser so it will not automatically download cookies. However, if you remove or block cookies on your computer, please be aware that your browsing experience and our website’s functionality may be affected.

Website analytics

Our website uses Google Analytics service to help us better understand visitor traffic, so we can improve our services. Although this data is mostly anonymous, it is possible that under certain circumstances, we may connect it to you.

Links to third party sites

Bonlec Pty Ltd website(s) may contain links to websites operated by third parties. If you access a third party website through our website(s), personal information may be collected by that third party website. We make no representations or warranties in relation to the privacy practices of any third party provider or website and we are not responsible for the privacy policies or the content of any third party provider or website. Third party providers / websites are responsible for informing you about their own privacy practices and we encourage you to read their privacy policies.

Retention of personal information

We will not keep your personal information for longer than we need to. In most cases, this means that we will only retain your personal information for the duration of your relationship with us unless we are required to retain your personal information to comply with applicable laws, for example record-keeping obligations.

How to access and correct your personal information

You can contact us to access, correct or update your personal information.
We will investigate and deal with your correction request or complaint in a fair, efficient and timely manner. We will normally respond within 30 days.

You can make a request for access by contacting your local Service Centre, or alternatively, by sending an email or letter addressed to our Privacy Officer, details specified below.

The Privacy Officer
BONLEC PTY LIMITED
Phone: +61 7 4759 2400
Email: headoffice@bonlec.com.au

With any request that is made we will need to authenticate your identity to ensure the correct person is requesting the information.

We will not charge you for making the request, however if reasonable we may charge you with the costs associated with your request.

You will only be granted access to your personal information where we are permitted or required by law to grant access. We are unable to provide you with access that is unlawful.

BONLEC PTY LIMITED may deny access to information in certain circumstances as permitted by law. For example, there are exemptions as specified in the APP’s where access may be denied. If this is the case, we will provide you with the reason for our decision.

Should we hold personal information and it is inaccurate, out of date, incomplete, irrelevant or misleading, or incorrect you have the right to make us aware of this fact and request that it be corrected.

If you would like to make a request to correct your information please contact your local Service Centre or our Privacy Officer on the details above.

In assessing your request, we need to be satisfied that the information is inaccurate, out of date, incomplete, irrelevant or misleading. We will then take all reasonable steps to ensure that it is accurate, up to date, complete and not misleading.

We will normally resolve any correction requests within 30 days. If we require further time we will notify you in writing and seek your consent.

Credit checks and credit reporting

Where you apply to us for credit or propose to be a guarantor, one of our checks involves obtaining a credit report about you.

You consent to us obtaining and making disclosure of Information (as that term is defined in the Act) about you from and to a CRB and/or another credit provider for a commercial credit related purpose and/or a credit guarantee purpose and/or a consumer credit purpose and/or another related purpose. We hereby notify you we may use and/or disclose credit eligibility information under section 21G of the Act.

Credit reports

A credit report contains information about your credit history which helps credit providers assess your credit applications, verify your identity and manage accounts you hold with them. Credit reporting bodies collect and exchange this information with credit providers like us and other service providers such as phone companies.

The Privacy Act limits the information that credit providers can disclose about you to credit reporting bodies, as well as the ways in which credit providers can use credit reports.

Information exchanged with credit reporting bodies

The information we can exchange includes your identification details, what type of credit has been extended to you, the amount of credit extended to you, whether or not you have met your credit obligations and if you have committed a serious credit infringement (such as fraud). We also ask the CRB to provide us with an overall assessment score of your creditworthiness.

Use and storage of credit-related information

We use information from credit reporting bodies to confirm your identity, assess applications for credit, manage our relationship with you and collect overdue payments. We may also use this information as part of arriving at our own internal assessment of your creditworthiness.

We store credit-related information with your other personal information. You can access credit-related information we hold about you, request us to correct the information and make a complaint to us about your credit-related information.

Credit providers may ask credit reporting bodies to use their credit-related information to pre-screen you for direct marketing. You can ask a CRB not to do this. Also, if you’ve been, or have reason to believe that you’re likely to become, a victim of fraud (including identity fraud), you can ask the CRB not to use or disclose the credit-related information it holds about you.

Inquiries and complaints

For complaints about how Bonlec Pty Ltd handles, processes or manages your personal information, please contact our Privacy Officer on the contact details below:

The Privacy Officer
BONLEC PTY LIMITED
Phone: +61 7 4759 2400
Email: headoffice@bonlec.com.au

Note we may require proof of your identity and full details of your request before we can process your complaint.

Please allow up to 30 days for Bonlec Pty Ltd to respond to your complaint. It will not always be possible to resolve a complaint to everyone’s satisfaction. If you are not satisfied with Bonlec Pty Ltd’s response to a complaint, you have the right to contact the Office of Australian Information Commissioner (at www.oaic.gov.au) to lodge a complaint.

How to contact us

If you have a question or concern in relation to our handling of your personal information or this Policy, you can contact us for assistance as follows:

Email
headoffice@bonlec.com.au

Contact number
+61 7 4759 2400

Post
Attention: Bonlec Pty Ltd Privacy Officer
Address: PO Box 7168, Garbutt QLD 4814, Australia

Notification of Changes

If we decide to change our privacy policy, we will post a copy on our website.

Further information about privacy rights and credit reporting rules

For further information about the APP’s, the Act, or the credit reporting rules please visit the Office of the Australian Information Commissioner website at www.oaic.gov.au.

This document does not create any additional rights under contract, statute or equity law.