WHO ARE WE?
We’, ‘us’ and ‘our’ refer to Wisr Services Pty Ltd ACN 616 806 949.
Our commitment to protect your privacy.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in Schedule 1 of the Privacy Act 1988 (Cth) (Privacy Act) and any other relevant law.
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, driver’s licence, email address, and any other information we may need to identify you.
WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect personal information for the purposes of:
- verifying your identity;
- acting as your access seeker to obtain your credit score(s);
- managing our relationship with you; and
- direct marketing.
From time to time we may offer you other products and services.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
We will collect your personal information directly from you. We may also collect your personal information from credit reporting bodies.
DO WE DISCLOSE YOUR PERSONAL INFORMATION?
We may disclose your personal information to:
- credit reporting bodies such as Equifax Australia Information Services and Solutions Pty Limited (Equifax); Dun & Bradstreet Consumer Credit Pty Ltd (DBCC) trading as Illion; and Experian Australia Credit Services Pty Ltd (Experian);
- to other organisations that are involved in managing or administering your finance;
- to companies that provide information and infrastructure systems to us;
- to anyone, where you have provided us consent;
- where we are authorised to do so by law;
- to investors, agents or advisers, or any entity that has an interest in our business;
- organisations that provide products or services used or marketed by us; or
- to your employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
- the person or organisation has a commitment to protecting your personal information at least equal to our commitment; or
- you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We may collect the following kinds of credit information when acting as your access seeker:
- credit liability information being information about your existing finance which includes the name of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, and the day on which the finance was terminated;
- repayment history information which is information about whether you meet your repayments on time;
- information about the type of finance that you are applying for;
- default and payment information; and
- court proceedings information.
This credit information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the credit information we hold about you.
We may disclose your personal and credit information to overseas entities that provide support functions to us, including but not limited to USA, Canada, India, Ireland, the United Kingdom or the Philippines. You may obtain more information about these entities.
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 1300 992 007, emailing us at firstname.lastname@example.org or by writing to us at Suite 33, Level 8, 58 Pitt St, Sydney, NSW 2000. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request.
UPDATING YOUR PERSONAL INFORMATION
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
ACCESS AND CORRECTION TO YOUR PERSONAL AND CREDIT INFORMATION
We will provide you with access to the personal and credit information we hold about you. You may request access to any of the personal information we hold about you at any time.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal or credit information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you, if we deny you access to the personal or credit information we hold about you.
If any of the personal or credit information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal or credit information within 30 days.
We may need to consult with credit reporting bodies or entities as part of our investigation.
USING GOVERNMENT IDENTIFIERS
If we collect government identifiers, such as your driver’s licence, we do not use or disclose this information other than authorised by law. We will never use a government identifier as your account or transaction reference number.
BUSINESS WITHOUT IDENTIFYING YOU
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about promotional offers.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact our complaints officer on 1300 992 007.
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, Australian Financial Complaints Authority (AFCA) who can be contacted on 1800 931 678 (free call), email to email@example.com, or in writing to Reply Paid GPO Box 3, Melbourne VIC 3001 or the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website www.afca.org.au to find out if or when the time limit relevant to your circumstances expires.
You may request further information about the way we manage your personal or credit information by contacting us.