Statement of Notifiable Matters

Important Information – Credit Reporting

Credit Reporting Policy.

Our Privacy is available in the Privacy section of our website, This policy provides information about how we collect and use your personal and credit information, including:

  • your right to access the credit information we hold on you;
  • your right to seek the correction of credit information that we hold on you;
  • your right to complain about a breach by us of the credit reporting provisions of the Privacy Act or the CR Code and how we will deal with such a complaint; and
  • entities outside Australia to which we are likely to disclose your credit information and the countries where they are located.

This statement.

This statement is provided in addition to our Privacy Policy and provides information on the credit reporting bodies to whom we may disclose your credit information as well as information on certain rights you have in relation to your credit information.

Our handling of credit information is regulated by the Privacy Act 1988 (‘Privacy Act’) and the Privacy (Credit Reporting) Code (‘CR Code’).

What is credit information?

Credit information is personal information that has a bearing on credit that has been provided to you or that you have applied for. This includes credit for personal, domestic or household purposes and credit in connection with a business.

Credit reporting bodies and your personal information.

Credit reporting bodies are allowed under the Privacy Act and the CR Code to handle personal information relating to credit.

If you apply for any kind of credit, we may disclose your personal information to, or collect personal information about you from a credit reporting body. We may use this to assess your eligibility for credit.

If you fail to meet your obligations to us in relation to credit, we may be entitled to disclose this information to credit reporting bodies.

Credit reporting bodies may include your personal information in reports that they provide to credit providers to assist those providers in assessing your credit worthiness.

Credit reporting bodies we deal with are: illion (, Experian (, and Equifax (

Credit reporting bodies have their own policies relating to how they manage credit related personal information which will be available on their websites via the links above.

You may ask credit reporting bodies to exclude your personal and credit information from being used by them for direct marketing pre-screenings requested by credit providers. To opt out of credit pre-screening, contact the credit reporting body, using the contact details on their websites noted above.

You can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.

You have a right to request access to personal information we hold about you or to request correction of that information.

Our Privacy Policy sets out how you can make such requests or register any complaint if you believe that we have not complied with the Privacy Act or CR Code.

This statement covers any entities for which we act as agent when entering into a credit agreement with you.