Konica Minolta Business Solutions Australia Pty Ltd (ABN 50 001 065 096) and its related bodies corporate (we, us or our) are committed to protecting your credit information and credit eligibility information as defined in the Privacy Act 1988 (Cth) (collectively referred to as Credit Data in this Credit Reporting Policy). This Credit Reporting Policy outlines how we handle such Credit Data in accordance with the Privacy Act and the Privacy (Credit Reporting) Code 2014.
In the course of providing goods and/or services, we may provide consumer credit or commercial credit to our customers. In the course of assessing applications for such credit, we may collect Credit Data about individuals. For example, we may obtain Credit Data about an individual if that person applies for a rental agreement for our printing equipment (including individuals who carry on business as sole traders or under a partnership) (you or your), or if an individual will act as guarantor under that rental arrangement (guarantor).
Generally speaking, Credit Data is information used to assess an individual's eligibility to be provided with credit. It may include details of credit provided to an individual, repayment history information, and certain details regarding overdue payments or defaults.
The kinds of Credit Data that we collect and hold may include:
Credit Data may be collected by us:
We usually derive, from Credit Data disclosed to us by a credit reporting body, information including internal assessments and calculations based on such Credit Data for the purpose of assessing credit applications received by us.
If we are unable to collect the personal information we require, or the information provided is incorrect or incomplete, we may be unable to assess the applicant's credit application or provide credit to the applicant (which may include being unable to enter a rental agreement with the applicant). It may also otherwise affect our ability to provide our products or services to you.
We collect, hold, use and disclose Credit Data in order to conduct our business, to provide our products and services and to meet legislative and regulatory requirements. This generally involves, but is not limited to, collecting, holding, using and disclosing Credit Data to:
We may share Credit Data with:
We will not sell or trade Credit Data to or with any third parties.
Occasionally we may send Credit Data off-shore, including to other companies within the Konica Minolta group of companies or partners and other service providers that may be located overseas or have overseas operations. Countries will vary from time to time, but are likely to include South Africa, the United Kingdom, the USA, Mauritius, Hong Kong, Switzerland, India, Philippines, Malaysia, Austria, Brazil, Canada, China, Denmark, France, Germany, Indonesia, Ireland, Luxembourg, Japan, Malaysia, the Netherlands, New Zealand, Russia, Singapore, South Korea, Spain, Taiwan, Thailand, United Arab Emirates. If we do send Credit Data overseas either directly or via a third party, it will only be for the purposes detailed above.
Personal information we provide to credit reporting bodies may be included in reports provided by them to other credit providers, to assist them to assess your or a guarantor’s credit worthiness.
If you or a guarantor fail to meet payment obligations or commit a serious credit infringement, we may be entitled to disclose that to a credit reporting body. A serious credit infringement includes:
Individuals have the right to request that a credit reporting body does not:
Please contact the credit reporting body or refer to details on its website above to make such a request.
Information about how a credit reporting body manages credit-related personal information may be obtained by visiting its website.
Details for the credit reporting bodies we may use are below:
We take reasonable steps to ensure that the Credit Data we collect, use or disclose is accurate, up-to-date and complete.
You or a guarantor may lodge a request to correct Credit Data that we hold about you or the guarantor if you or the guarantor believe it is incorrect or out-of-date. To lodge such a request, please contact us using the contact details below.
We take reasonable steps to store Credit Data securely, and maintain policies and procedures intended to ensure that Credit Data is not misplaced or misused, and that unauthorised access to, or modification or disclosure of, Credit Data does not occur. Credit Data may be held by us electronically or in hard copy form and we employ security protections appropriate for the form in which that information is held (eg, passwords linked with authorised user access and physical document security).
If you or a guarantor have a complaint about the way in which we handle Credit Data, or believe a breach of privacy may have occurred, please contact us using the contact details listed below. We will confirm receipt of the complaint and set out the timeframe we require to investigate the complaint and provide you or the guarantor with a response, which generally will be within 30 days of receiving the complaint.
Complaints will be considered and dealt with by our nominated representative, who may escalate the complaint internally within our organisation if the matter is serious or if necessary to resolve it.
Please allow us a reasonable time to respond to complaints. If you or the guarantor are not satisfied with our resolution, you or the guarantor may make a complaint to the Office of the Australian Information Commissioner whose contact details can be found at: www.oaic.gov.au.
We undertake periodic review of our policies and procedures with guidance by our legal advisers to ensure that the Credit Data held is managed appropriately. We may amend or replace this Credit Reporting Policy at any time. A copy of the current version of this Credit Reporting Policy can be obtained by contacting us, or by accessing our website.
Further information about the way we manage Credit Data including complaints, can be obtained by contacting us at:
The Privacy Officer
Phone: +612 8026 2222
Mail: Konica Minolta Business Solutions Australia Pty Ltd, 4 Drake Avenue, Macquarie Park, NSW 2113