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 Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
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
Financial institutions
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 referees
Your insurers or prospective insurers and their underwriters and
Your sureties and guarantors and prospective sureties and guarantors
1.4 Confidentiality
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.
1.12 Changes to our Privacy Policy
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
You can contact our Privacy Officer on 96758400 to register a complaint or concern or to answer your questions relating to this Privacy Policy.
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 privacyofficer@ilg.com.au
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.