Important things you need to know
Southern Phone may provide credit to our customers in connection with services.
How Southern Phone collects, uses and holds credit information and credit eligibility information
The Privacy Act 1988 provides a definition of credit information. This information includes:
Identification information about you
Information about your account
Details of information requests we make about you to our CRB
Information about overdue payments and about serious credit infringements and information about payments or subsequent arrangements in relation to either of these
Publicly available information
Credit eligibility information includes information that we receive from our CRB that relates to your credit worthiness.
We store and safeguard your credit information and credit eligibility information in the ways described in our Privacy Statement.
Southern Phone uses the following credit reporting body to prepare credit reports:
Dun & Bradstreet (Australia) Pty Ltd
479 St Kila Road
Phone: 132 333
Web site: www.dnb.com.au
We may disclose your credit information to our CRB to enable them to undertake a credit assessment about you. Our CRB may include that information in credit reporting information that they provide to other credit providers to assist them to assess your credit worthiness. We use your credit information for the purposes described in our Privacy Statement.
We may use your credit eligibility information for purposes permitted under the Privacy Act 1988, including
processing credit-related applications and managing credit that we provide
assisting you to avoid defaults
collecting amounts you may owe us in relation to such credit and dealing with serious credit infringements
assigning our debts
participating in the credit reporting system
dealing with complaints or regulatory matters relating to credit reporting
as required or authorised by another law.
How to access or correct your credit information or credit eligibility information
If you wish to obtain access to, or correct credit information or credit eligibility information you should contact our CRB (Dun & Bradstreet Pty Ltd) as detailed above.
How to make a complaint regarding our compliance with the Privacy Act 1988 and the (Credit Reporting) Code 2014
Our web site provides details of how you can make a complaint including a complaint about our handling of your credit information or credit eligibility information.
Under the Privacy Act 1988 you have the right to request that a credit reporting body such as Dun & Bradstreet not use your credit related information for the purposes of pre-screening of direct marketing by a credit provider. You also have the right to request that a credit reporting body not use or disclose credit reporting information about you if you believe on reasonable grounds that you have been or are likely to be, a victim of fraud. You should contact Dun & Bradstreet in relation to these matters.