ZeroBonds Residential Pty Ltd (ACN 637 890 585), ZeroBonds Commercial Pty Ltd (ACN 637 890 567) and ZeroBonds Australia Pty Limited (ACN 634 864 216) (ZeroBonds, we, us and our) are bound and adhere to the Privacy Act 1988 (Cth) (“Privacy Act“) and the Australian Privacy Principles (“APPs”) under the Privacy Act and the Privacy (Credit Reporting) Code 2014, as amended from time to time.
This Privacy Policy outlines how we collect, hold, use and disclose your personal information, whether provided to us by you directly or by a third party and whether via the internet or otherwise.
This Privacy Policy also incorporates our “ZeroBonds Credit Reporting Policy”. That is, this Privacy Policy also includes information on how we manage your personal information collected in connection with a credit application or a credit facility, referred to throughout as “credit information”. By providing us your personal information, making enquiries of us or using our services you consent to the collection, holding, use and disclosure of your personal information (including your name, address, email address, credit information and
any other personal information including sensitive information, you give to us or we otherwise collect) in the ways set out in this Privacy Policy and as permitted by the Privacy Act.
The Website
Our website referred to in this Privacy Policy is www.zerobonds.com.au
How we collect your personal information and the types of personal information we collect
“Personal Information” has the meaning given to that term in the Privacy Act and includes things like:
- your full name, address and contact details;
- your ID (eg a copy of your passport or driver’s licence);
- information that can identify you such as your date of birth, telephone number, address and/or email address;
- financial information about you such as your income; and
- credit information.
We will not collect, use or disclose your sensitive information (such as information relating to nationality, race or ethnicity, criminal record, political and religious beliefs, sexuality and health information) unless such is necessary for us to perform our services or unless we are permitted or required by law to do so but, where you provide such to us, you consent to its collection, use and disclosure in accordance with this Privacy Policy.
We may collect your Personal Information from you in a number of ways, including:
- when you interact with us electronically via our Website, over the phone and/or in person;
- when you create an account on our Website; and/or
- when you respond to surveys or fill out a paper or electronic form, such as when you create an account with us.
We may collect information from you electronically through the use of cookies and other tracking devices. When you access our website, we collect information about your use of the
website which may include the following:
- the date and time of visits;
- pages viewed;
- location information about users;
- IP addresses;
- the search terms you used;
- the previous sites you visited;
- your top level domain name;
- information about devices used to visit our website including your operating system and browser.
Cookies are small pieces of information stored on your hard drive or memory in your computer. They help us keep track of products or services you view when you visit our site
allowing it to remember you the next time you visit. We also use cookies to measure traffic patterns, to determine which areas of our websites have been visited, and to measure
transaction patterns in the aggregate. We use this to research our users’ habits so that we can improve our online products and services. We do not collect identifiable Personal
Information about you if you only browse our website.
You are free to decline our cookies if your browser permits unless our cookies are required to prevent fraud or ensure the security of our website.
In some cases, we may ask you to give us Personal Information about other people (such as if you are entering into a tenancy arrangement with another person or other people). In such
cases you must not provide us their Personal Information unless you have obtained their consent, informed them that their Personal Information will be provided to us and handled in
accordance with this Privacy Policy and provided them with (or directed them to) a copy of this Privacy Policy. There are some cases where we might collect Personal Information about you from other people or organisations such as service providers, agents, advisers, employers and family members. We may also collect Personal Information about you from
credit agencies and that is publicly available, such as from social media or public registers (e.g. the Australian Securities and Investments Commission and the Australian Business
Register). Regardless of how we collect your Personal Information, we will handle it in accordance with this Privacy Policy and the Privacy Act.
How do we use your Personal Information?
Generally, we will use your Personal Information to provide our services, undertake our dayto-day business, manage your account and improve the services we provide.
We also use your Personal Information to conduct background checks of your financial situation (e.g. your ability to pay your debts), which allows us to provide our services to you. Specifically, your Personal Information may be used by us to:
- verify your identity
- manage our relationship with you, including contacting you (including, but not limited to, by email, mail, SMS, or telephone);
- assess and process your application to use our products and services;
- assess your credit-worthiness and credit rating;
- provide our products and services to you; protect us and your account against fraud;
- prevent or detect money laundering and terrorist activity;
- handle and investigate complaints about or made by you, or if we have a reason to suspect that you are in breach of any of our terms and conditions or that you are or have
been otherwise engaged in any unlawful activity; - conduct internal operations such as record keeping, auditing and training our staff;
- provide you with suggestions for products and services that might be suitable for you where you have opted-in to receive such;
- gather statistics and prepare internal reports for regulatory, management and research purposes;
- engaging in legal proceedings and/or enforcing judgments and/or orders;
- comply with our legal and regulatory requirements; and
- for any purpose for which you have given your consent at the time of collecting your Personal Information.
You are under no obligation to provide your Personal Information to us. However, without certain information from you, we may not be able to provide our products and services to you
or any other relevant customer.
We may use your Personal Information for a secondary purpose. You consent to the use of your Personal Information for a secondary purpose.
To whom do we disclose your Personal Information?
When you provide us with Personal Information, you agree that we may use or disclose Personal Information for purpose such as those listed above and we will do so in accordance with our privacy obligations.
We may disclose your Personal Information to third parties where it is required for us to deliver our products or services or if requested by you to do so.
We may also disclose your Personal Information to any of our employees, officers, professional advisers, agents, suppliers or subcontractors in order to provide you with our products or services and for the purposes outlined in this Privacy Policy. This includes disclosures to:
- credit card companies who might be able to provide credit information about you;
- credit reporting bodies to assess your financial capability;
- people nominated by you as referees in support of your application; and
- any person where permitted or required by law (including legislation, regulations, court
orders, subpoenas and warrants). - Third party systems and services for the purpose of confirming your identity
If there is a sale or transfer of our company, our business or business assets, we may transfer our databases and any information (including your Personal Information) that is contained in these databases to the purchaser or transferee where the purchaser or transferee is either subject to (i) an agreement to maintain confidentiality and/or (ii) the Privacy Act. Information that we collect will never be transferred or stored overseas.
Overseas disclosures
We may disclose your Personal Information to overseas recipients in order to provide our services and products and for administrative, data storage or other business management
purposes.
Before disclosing Personal Information to an overseas recipient, we take reasonable steps to ensure the overseas recipient complies with relevant Privacy laws unless the disclosure is required or permitted by law.
Direct marketing
We may use and disclose your Personal Information in order to inform you of products and services that may be of interest to you.
In the event that you do not wish to receive such communications, you can opt out by following the instructions for doing so in the communications we send to you.
How do we store your Personal Information?
We are committed to the security of your Personal Information. We take reasonable steps:
- to ensure that Personal Information we hold is protected from misuse, interference and loss;
- to protect Personal Information from misuse and loss and from unauthorised modification; and
- to prevent unauthorised access to or disclosure of your information including putting in place and maintaining various physical, electronic and governance procedures.
As an example, we use industry standard (SSL) encryption on our Website as a means of securing the transmission of your information from your computer or device to our servers.
We require third parties handling Personal Information on your behalf to have procedures in place to protect your privacy in accordance with the Privacy Act.
Credit Reporting
At various times, such as when we are checking your credit worthiness/assessing your credit situation, we will collect credit information about you from and give credit information to credit reporting bodies. We may collect this information directly from you or from other credit providers and/or credit reporting bodies.
Credit information includes:
- identification information;
- details about information requests made about you to credit reporting bodies (eg by a lender);
- current and historical details about credit applications/credit arrangements you have made/entered into;
- information/records about your consumer credit payments being overdue;
- consumer credit liability information;
- information about serious credit infringements;
- personal insolvency information; and
- publicly available information such as court judgements, credit scores/risk assessments about your credit worthiness.
When we disclose credit information about you to a credit reporting body, including in respect of serious credit infringement, the credit reporting body may include it in credit reporting information/reports that they provide to other credit providers/organisations(such as lenders) to assist them in assessing your credit worthiness. You have the right to request credit reporting bodies not to use or disclose the information they hold about you if:
- you believe you have been (or are likely to be) the victim of fraud; and/or
- you do not wish the information to be used for direct marketing/pre-screening purposes. Contact details for the credit reporting bodies are as follows:
Equifax Pty Ltd
Website: www.equifax.com.au
Phone: 13 83 32
How can you gain access to and update/correct your Personal Information?
We take reasonable steps to ensure that any Personal Information we hold about you is accurate, complete and up-to-date. However, we require you to inform us of any changes to your Personal Information.
If you are able to access your Personal Information via your online account that you have with us, we request that you ensure this information is kept accurate, complete, relevant and up to date. You may request details of the Personal Information that we hold which relates to you. We may charge a small administrative fee to cover the cost of retrieving this information if you make such a request. However, we will advise you in advance if such a cost applies.
Where you request access to credit information about you that we have obtained from credit reporting bodies, we will provide you access as soon as possible and request you check with the credit reporting bodies what information they hold about you for the purpose of accuracy.
To request a copy of the information we hold about you, please contact us using the details below.
If we refuse to provide you access we will provide you with a written notice that outlines the reasons for the refusal. If there has been an error made by us or someone else in respect of your credit information, we will assist you to correct the information within 30 days (unless exceptional circumstances arise). However, it would be more efficient for you to directly request correction from the organisation who made the error.
How can you make a complaint about privacy?
If you wish you make a complaint about the way we manage your privacy, please contact us using the details below. You will need to provide us sufficient details to identify yourself and regarding your complaint and include any supporting evidence.
We will investigate the issue and determine the steps to be taken to resolve the complaint. We will notify you in writing if we require any additional information and also of the outcome of the investigation.
If you are not happy with the outcome of our investigation, you may complain to the Office of the Australian Information Commissioner whose contact details can be obtained from the OAIC website noted below:.
Office of the Australian Information Commission
Website: www.oaic.gov.au
Phone: 1300 363 992
Email: [email protected]
Third party sites
Our Website may contain links to the websites of other entities. If you click the links to other entities’ websites you should read their privacy policies to find out how they handle your Personal Information when you visit their sites. We do not accept any responsibility or liability for the privacy of your information, including your Personal Information on or in respect of any other website and we have no control over (or responsibility for) the privacy practices of those entities.
Changes to this privacy policy
We may, from time to time, update this Privacy Policy so please ensure you review it periodically for changes. If any changes are significant or substantial, we will either advise you in writing or post a message to that effect on our Website. Your continued use of our services and/or our Website, requesting our services or the provision by you of further Personal Information to us (directly or through an authorised person) after this Privacy Policy has been revised will be deemed to be your acceptance of the revised Privacy Policy.
Contact Us
To access your information or if you wish to make a complaint or if you have any query about this Privacy Policy, please contact us via the details below.
Email: [email protected]
Phone: +61 1300 425 119
Post: Suite 34, 30 Denison Street, Bondi Junction NSW 2022 Australia
