Thank you for applying for a credit account with ILG.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
If you require any assistance with your application, please contact our accounts department on 02 9675 8478
CreditorWatch is a provider of credit reporting services.
The Service involves the storage of Data about a company or individual. That Data can include personal information. “Personal information” is information about an identifiable individual, and may include information such as the individual’s name, email address, telephone number, bank account details, taxation details, and accounting and financial information.
CreditorWatch may collect personal information directly from You when You:
You can always choose not to provide Your personal information to CreditorWatch, but it may mean that we are unable to provide You with the Service.
Through Your use of the Service, CreditorWatch may also collect information from You about someone else. If You provide CreditorWatch with personal information about someone else, You must ensure that You are authorised to disclose that information to CreditorWatch and that, without CreditorWatch taking any further steps required by applicable data protection or privacy laws, CreditorWatch may collect, use and disclose such information for the purposes described in this Policy.
This means that You must take reasonable steps to ensure the individual concerned is aware of and/or consents to the various matters detailed in this Policy, including the fact that their personal information is being collected, the purposes for which that information is being collected, the intended recipients of that information, the individual’s right to obtain access to that information, CreditorWatch’s identity, and how to contact CreditorWatch.
Where requested to do so by CreditorWatch, You must also assist CreditorWatch with any requests by the individual to access or update the personal information You have collected from them and entered into the Service.
CreditorWatch collects Your personal information so that we can provide You with the Service and any related services You may request. In doing so, CreditorWatch may use the personal information we have collected from You for purposes related to the Services including to:
By using the Service, You consent to Your personal information being collected, held and used in this way and for any other use You authorise. CreditorWatch will only use Your personal information for the purposes described in this Policy or with Your express permission.
It is Your responsibility to keep Your password to the Service safe. You should notify us as soon as possible if You become aware of any misuse of Your password, and immediately change your password within the Service or via the forgot password process.
By using the Service, You agree that CreditorWatch can access, aggregate and use non-personally identifiable data CreditorWatch has collected from You. This data will in no way identify You or any other individual.
CreditorWatch may use this aggregated non-personally identifiable data to:
All Data, including personal and non-personal information, that is entered into the Service by You, or automatically imported on Your instruction, is transferred to CreditorWatch’s servers as a function of transmission across the Internet. By using the Service, You consent to Your personal information being transferred to our servers as set out in this Policy.
Currently our servers are located in Australia, primarily by Global Switch Pty Ltd. (Global Switch), and Your personal information will be routed through, and stored on, those servers as part of the Service. Global Switch complies with relevant aspects of the U.S.-EU Safe Harbor Framework and has certified that it adheres to relevant Safe Harbor Privacy Principles. If the location of our servers change in the future, we will update this Policy. You should review our Policy regularly to keep informed of any updates.
By providing Your personal information to CreditorWatch, You consent to CreditorWatch storing Your personal information on servers hosted in Australia. While Your personal information will be stored on servers located in the Australia, it will remain within CreditorWatch’s effective control at all times. The server host’s role is limited to providing a hosting and storage service to CreditorWatch, and we’ve taken steps to ensure that our server hosts do not have access to, and use the necessary level of protection for, Your personal information.
CreditorWatch is committed to protecting the security of Your personal information and we take all reasonable precautions to protect it from unauthorised access, modification or disclosure. Your personal information is stored on secure servers that have SSL Certificates issued by leading certificate authorities Symantec Corporation, and all Data transferred between You and the Service is encrypted.
However, the Internet is not in itself a secure environment and we cannot give an absolute assurance that Your information will be secure at all times. Transmission of personal information over the Internet is at Your own risk and You should only enter, or instruct the entering of, personal information to the Service within a secure environment.
We will advise You at the first reasonable opportunity upon discovering or being advised of a security breach where Your personal information is lost, stolen, accessed, used, disclosed, copied, modified, or disposed of by any unauthorised persons or in any unauthorised manner.
CreditorWatch will only disclose the personal information You have provided to us to entities outside the CreditorWatch group of companies if it is necessary and appropriate to facilitate the purpose for which Your personal information was collected pursuant to this Policy, including the provision of the Service.
CreditorWatch will not otherwise disclose Your personal information to a third party unless You have provided Your express consent. However, You should be aware that CreditorWatch may be required to disclose Your personal information without Your consent in order to comply with any court orders, subpoenas, or other legal process or investigation including by tax authorities, if such disclosure is required by law. Where possible and appropriate, we will notify You if we are required by law to disclose Your personal information.
The third parties who host our servers do not control, and are not permitted to access or use Your personal information except for the limited purpose of storing the information. This means that, for the purposes of Australian privacy legislation and Australian users of the Service, CreditorWatch does not currently “disclose” personal information to third parties located overseas.
If you choose to pay for the Service by credit card, Your credit card details are not stored by the Service and cannot be accessed by CreditorWatch staff. Your credit card details are encrypted and securely stored by Data Vault provided by Commonwealth Bank Of Australia to enable CreditorWatch to automatically bill your credit card on a recurring basis. You should review Data Vault by Commonwealth Bank of Australia to ensure you are happy with it.
It is Your responsibility to ensure that the personal information You provide to us is accurate, complete and up-to-date. You may request access to the information we hold about You, or request that we update or correct any personal information we hold about You, by setting out Your request in writing and sending it to us at email@example.com
CreditorWatch will process Your request as soon as reasonably practicable, provided we are not otherwise prevented from doing so on legal grounds. If we are unable to meet Your request, we will let you know why. For example, it may be necessary for us to deny Your request if it would have an unreasonable impact on the privacy or affairs of other individuals, or if it is not reasonable and practicable for us to process Your request in the manner You have requested. In some circumstances, it may be necessary for us to seek to arrange access to Your personal information through a mutually agreed intermediary (for example, the Subscriber).
We’ll only keep Your personal information for as long as we require it for the purposes of providing You with the Service. However, we may also be required to keep some of Your personal information for specified periods of time, for example under certain laws relating to corporations, money laundering, and financial reporting legislation.
In providing the Service, CreditorWatch utilises "cookies". A cookie is a small text file that is stored on Your computer for record-keeping purposes. A cookie does not identify You personally or contain any other information about You but it does identify Your computer.
We and some of our affiliates and third-party service providers may use a combination of “persistent cookies” (cookies that remain on Your hard drive for an extended period of time) and “session ID cookies” (cookies that expire when You close Your browser) on the Website to, for example, track overall site usage, and track and report on Your use and interaction with ad impressions and ad services.
You can set your browser to notify You when You receive a cookie so that You will have an opportunity to either accept or reject it in each instance. However, You should note that refusing cookies may have a negative impact on the functionality and usability of the Website.
We do not respond to or honour “Do Not Track” requests at this time.
CreditorWatch sends billing information, product information, Service updates and Service notifications to You via email. Our emails will contain clear and obvious instructions describing how You can choose to be removed from any mailing list not essential to the Service. CreditorWatch will remove You at Your request.
If You wish to complain about how we have handled Your personal information, please provide our Privacy Officer with full details of Your complaint and any supporting documentation:
Our Privacy Officer will endeavour to:
CreditorWatch reserves the right to change this Policy at any time, and any amended Policy is effective upon posting to this Website. CreditorWatch will make every effort to communicate any significant changes to You via email or notification via the Service. Your continued use of the Service will be deemed acceptance of any amended Policy.
1.1 Protecting your Privacy
We take seriously our responsibility for protecting your privacy and the confidentiality of your personal information.
As part of our business we are committed to providing a number of different services to our members. To provide these services it is necessary for us to collect, store and use your personal information. We have been recording such information for over 25 years of operation and we believe we have earned our members trust in doing so. We are continuing to improve and revise the security and accessibility of this information in line with new technology.
We will only deal with your personal information in the ways we describe to you in this policy.
1.2 Personal Information Collected
We collect most personal information from you directly. For example, we may collect personal information when you apply for membership, open an account, deal with us over the telephone, send us a letter, visit our web site, or when you contact us in person.
The type of information we collect will include your name and may include: contact details, tax file number, Australian Business Number (ABN) date of birth, financial details, business transaction details, credit record and transaction history
We do not generally collect information that is sensitive personal information as defined by the Privacy Act 1988 (Cth). However we may on occasion collect information relating to your business and financial affairs. Such information will only be collected from you and will only be used for the purpose for which it was collected. We do not disclose sensitive personal information to third parties without your permission or instruction.
We will use this information for the purposes that you have provided it.
Where you provide information in an application for membership, we will use this information:
For our register of members and shareholders
For the provision and offer of membership services.
Where you provide information in an application for a financial product or service, we will use this information:
To create and maintain a financial service relationship
If you cannot provide us with the information we require to provide and maintain these services we may be unable to accept or continue your membership or to provide you with financial services.
We may need to source information about you from a third party; for example, a credit reporting agency. Wherever possible this will be done with your authorisation or where this is not possible we will inform you when such information is collected.
1.3 Use and Disclosure
Personal Information is treated as confidential within the co-operative and is used by us for the purpose for which it was collected or for a related purpose.
Personal Information is information about and which identifies individuals. It includes information obtained from any source and it will include anything about credit worthiness, standing history and capacity, which under and in accordance with the Privacy Act 1988, may lawfully be exchanged.
You agree that personal information about you, which may at anytime be provided to us in connection with a facility for which application is made, may be held and used by us to assess and process the application, to establish, provide and administer and improve the facility and to execute your instructions.
You agree if you make application for credit to us or if you act as a guarantor in respect of credit, we may provide, that in assessing the application (or if relevant in assessing whether to accept you as a guarantor), we may seek and obtain personal information about you from a credit reporting agency, financial institution and may give personal information about you to a credit reporting agency or a financial institution.
You also agree that we may hold and use personal information about you, which may at any time be provided to us in connection with your application for membership or a facility for which you make application to us, for the purposes (as relevant) of:
Considering any other application you may make to us
Complying with legislative and regulatory requirements
Performing administrative functions, including accounting, risk management, record keeping, archiving, systems development, credit scoring and staff training
Managing our rights and obligations in relation to external payment systems
Conducting market or customer satisfaction research
Developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services
Developing and identifying products and services that may interest you
Providing you with information about other products and services.
Where personal information, which we collect about you is sensitive information (such as information about business health status, membership of a professional or trade association), you nevertheless consent to its collection by us.
Wherever our business is outsourced to third party contractors such as mailing houses and information technology professionals. Information provided to these parties remains the property of the co-operative and is only used for the specific purpose for which it is supplied. Wherever possible, the co-operative will elect to deal with agents who are bound by the provisions of the Privacy Act. Where this is not possible we will make every effort to verify that they otherwise comply with the National Privacy Principles as provided by the Office of the Federal Privacy Commissioner.
You agree that we may collect personal information about you from, and disclose it to the following, even if the disclosure is to an organisation overseas and that organisation is not subject to the same privacy obligations, which apply to us:
Credit reporting agencies
Our agents, suppliers, contractors and external advisers whom we engage from time to time to carry out, or advise on, our functions and activities
Regulatory bodies, government agencies, law enforcement bodies and courts
Any person who introduces you to us
Other organisations with whom we have alliances or arrangements for the purpose of promoting our respective products and services, and any agents used by us and our business partners in administering such an arrangement or alliance
Anyone supplying goods or services to you in connection with a facility you have applied for
Debt collecting agencies
External payment systems operators
An organisation proposing to fund the acquisition of or acquire, any interest in any obligation you may owe us (whether under a loan, guarantee or security), that organisation’s agents, persons involved in assessing the risks and funding of the acquisition and, after acquisition, the purchaser and any manager
Any person to the extent necessary, in our view, in order to carry out any instruction you give to us
Our related bodies corporate for the marketing of their products and services
Your agents and contractors, including your legal adviser and your financial adviser.
Your executor, administrator, trustee, guardian or attorney
Your insurers or prospective insurers and their underwriters and
Your sureties and guarantors and prospective sureties and guarantors
We have a duty to keep confidential all personal information we hold about you, including:
Your name, address and financial information
The balance in your account
1.5 Disclosure to Third Parties
Except where required by law, we only disclose personal information to third parties with your express or implied consent.
1.6 Your Consent
Your consent to us may be express or implied.
We obtain your express consent by you writing to notify us of your consent by signing a statement of consent. Your implied consent includes your consent, by taking up membership, or continuing to trade with us in the normal manner, to allow us to disclose your identifying information to our service providers to enable us to operate and provide services and products to you. Confidentiality of the information will at all times be maintained.
Without such consent we may not be able to maintain your membership and accounts with the co-operative.
1.7 Direct Marketing and your Privacy
From time to time we will use the personal information we collect from you to inform you of products and services that we consider may be of interest to you.
If you do not wish to receive direct marketing information you can tell us at any time by contacting our Privacy Officer.
1.8 Tax File Number and ABN
We use and disclose these numbers only for the purposes required by law.
1.9 If you think the information we hold about you is incorrect or you want to update it.
We rely on the accuracy of the information you provide to us. If you believe or know that information we hold about you is incorrect, out of date or incomplete, please contact us and we will make all reasonable efforts to correct the information.
1.10 Security of your Personal Information
We take all reasonable precautions to protect your personal information from loss, unauthorised access, modification and unauthorised disclosure. Personal information about your accounts and membership is only accessible by you and by those who are authorised to access it. Only authorised persons have access to your personal information and only for approved purposes. Your personal information can only be amended and deleted by authorised means.
Records that we hold containing your personal information may be in hardcopy documents or electronic data.
Hardcopy documents are secured on our premises and at archive sites by locks and security systems. Electronic data stored on our computers is protected by computer and network security products, including firewalls, encryption, virus software, as well as user identities and passwords.
Our web site uses the highest level of technology to ensure maximum security however, no data transmission over the Internet can be guaranteed to be totally secure.
1.11 Access to your Personal Information
You may request access to the personal information we hold about you. We will provide you with such access wherever possible and within reasonable time. We may apply a fee for such access, to cover our costs. If we deny your request for access, we will provide you with reasons for that denial.
We would ask that any such request is stated as clearly as possible and adequately identifies the information you are seeking.
We may vary this policy from time to time. Changes to our policy will be published from time to time.
1.13 Resolving Privacy Issues
If you believe that the co-operative has failed to observe the privacy of your personal information, you can register your concern or complaint with our Privacy Officer. We will respond as soon as possible and usually within 2 working days, to let you know the person in our organisation who will be responsible for investigating the matter. If we are unable to resolve the matter within 10 working days we will contact you to let you know its progress and status and when we expect the matter to be resolved.
1.14 How to Make a Complaint or Enquiry
2.0 Organisation Identity
We are The Independent Liquor Group Distribution Co-Operative Limited.
Our address is Locked Bag 13 Glendenning NSW 2761
Our Contact Officer for Privacy Issues is our Privacy Officer.
Our Privacy telephone number is 96758400
Our Privacy e-mail address is firstname.lastname@example.org
2.1 Personal Information about Third Parties
You represent that, if at any time you supply us with personal information about another person (for example, a referee), you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information for the purposes set out above, and that they can gain access to that information.
Where you supply us with personal information about another person you acknowledge that we may send that person a notice that we have collected and will hold that person’s personal information.
2.2 Access to your Personal Information and Contacting Us
Subject to provisions of the Privacy Act 1988, you may access personal information, which we may hold about you at any time by asking us. You should write to or telephone our Privacy Officer who is contactable as detailed at 2.0.
We are not obliged to provide you access to personal information where:
Providing access would pose a serious and imminent threat to the life or health of any individual.
Providing access would have unreasonable impact on the privacy of other individuals.
The request for access is frivolous or vexatious.
The information sought relates to existing or anticipated legal proceedings between you and us and that information would not be accessible by the process of discovery in those proceedings.
Providing access would be unlawful.
Denying access is required or authorised by or under law.
Providing access would be likely to prejudice an investigation of possible unlawful activity.