Thank you for applying for a credit account with William Adams.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
If you require any assistance with your application, please contact our accounts department on (03) 9566 0666
CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
1. INTRODUCTION
1.1 William Adams Pty Ltd (William Adams) is committed to respecting and safeguarding the privacy of individuals
and all personal information we collect and use.
1.3 This Privacy Policy outlines how William Adams manages personal information that we collect, use or disclose. It also explains your rights to access and correct personal information or to make a complaint about our handling of personal information.
2. TYPES OF PERSONAL INFORMATION THAT WE COLLECT
2.1 William Adams collects personal information and, in some limited circumstances, sensitive information, about individuals who may include customers and prospective customers, employees of customers and prospective customers, consultants, subcontractors, suppliers, candidates for employment and employees.
2.2 ‘Personal information’ is any information or an opinion about an identified, or reasonably identifiable individual such as name, address, telephone number or email address.
2.3 ‘Sensitive information’ is a subset of personal information and includes information or an opinion about an individual’s: (a) racial or ethnic origin; (b) political opinions, membership or association; (c) membership of a political organisation; (d) religious beliefs or affiliations; (e) philosophical beliefs; (f) membership of a professional or trade association or trade union; (g) sexual orientation or practices; (h) criminal record; (i) health or genetic information; and (j) biometric information.
2.4 The types of personal information William Adams may collect include your name, address, telephone number, job responsibilities, email address, qualifications, employment history, bank and superannuation account details, credit card details, driver’s licence and other occupational licence details, photographs, details of your usage of our website and consumer credit information (provided that the collection is expressly consented to and for a purpose related to an application for consumer credit).
2.5 William Adams aims to collect information only as reasonably necessary and some of the types of personal information listed above will not be relevant to your interaction with us. In addition, William Adams will seek to limit the amount of sensitive information we collect from you.
2.6 If you provide us with personal information of any individual (other than yourself), you represent that you do so with that person’s consent. Further, you consent on behalf of that individual to our collection, use and disclosure of that personal information in accordance with this Privacy Policy.
3. WHYISPERSONALINFORMATIONCOLLECTED?
3.1 As an overarching principle, William Adams collects personal information where we believe it is necessary to do so in order to effectively carry on our business activities. For example, the information may enable us to provide you with goods and services and to improve or personalise our services to meet your needs.
4. HOWISPERSONALINFORMATIONCOLLECTED?
4.1 Personal information may be collected through your interactions and transactions with William Adams. Examples of this are when you place an order for goods or services, apply for credit from us, are a candidate of employment with us or an employee.
4.2 We prefer to collect personal information from the person to whom the information corresponds unless it is unreasonable or impracticable to do so. We may collect information from other sources such as online platforms, emails and other correspondence, credit providers or credit reporting bodies, regulatory bodies, government offices or publicly available sources.
4.3 We will generally only collect sensitive information about you with your consent or if authorised by law. By providing us or a third party authorised by us with personal and sensitive information, you consent to our collection and use of it for the purposes set out in this policy.
5. WHAT ARE THE CONSEQUENCES OF NOT PROVIDING PERSONAL INFORMATION TO US?
5.1 Wherever it is lawful and practicable to do so, you will have the option to not identify yourself when transacting with William Adams.
5.2 In some circumstances, however, if you do not provide us with the personal information requested, it may affect our ability to continue our relationship with you. For example, we may be unable to provide you with goods or services.
6. HOW AND WHY IS THE INFORMATION USED OR DISCLOSED?
6.1 Personal information will be used or disclosed by us for the primary purpose for which it is collected, which in most cases is for the carrying on of our business activities. We may also use the personal information for a secondary purpose related to the primary purpose, for which you would reasonably expect us to use the collected information.
6.2 Some other purposes for which we collect, hold, use or disclose personal information may also include to: (a) market or otherwise promote our business; (b) record details of incidents for insurance purposes; (c) disclose personal information or sensitive information (such as biometric information) to allow or facilitate the use of technology platforms by employees or otherwise in relation to your employment; (d) contact family if requested or required; (e) obtain professional advice; (f) manage your customer account or credit account, including assessing or approving applications for credit; or (g) comply with our obligations under applicable laws.
6.3 Additionally, as we are a Caterpillar dealer, your personal information may be disclosed to Caterpillar Inc, its subsidiaries, affiliates and related parties (Caterpillar) for business and administrative purposes, including but not limited to the processing and delivery of orders, warranty administration, marketing of Caterpillar products and diagnostic services. We may also disclose your personal information to Caterpillar for research and development purposes in order to enhance products and services that Caterpillar develops for your use.
6.4 If you will not permit us to share your personal information with Caterpillar and other third-party services providers as described above, we may sometimes be unable to provide certain goods or services to you or continue our relationship.
6.5 Your personal information may also be used for direct marketing purposes. Please note that you may opt-out at any time from marketing communications, including targeted advertising messages, by following an ‘opt- out’ option provided in the relevant communication, or by contacting us by email, phone or post in accordance with section 14 below.
6.6 We will not sell your personal information to any third party for their unrelated independent use. However, we do engage third party service providers to perform functions for us such as supplying goods for re-sale to our customers, mailing correspondence, delivering goods sold, providing IT services, undertaking external audits and carrying out market research. Sometimes it may be necessary for us to disclose your personal information to those third parties so they can perform their functions for us and we will disclose your personal information to them whenever required or permitted by law to do so. Where is it appropriate to do so, we will also rely on the related bodies corporate exemption in the Privacy Act and any other applicable exemptions in the Privacy Act or in other legislation.
7. JOB APPLICANTS
7.1 If you apply to work with us, we collect the details that you include in your application and during any interview process with us, as well as from your referees, our recruitment agencies and from public sources. We may also ask you to provide us with additional personal information (including as part of a criminal history check and medical testing, as required by our pre-employment screening policy).
7.2 We may disclose your personal information to and/or collect your personal information from our related bodies corporate and our service providers who help us with the recruitment process.
7.3 We will not use the above information for any purposes other than assessing and progressing (if applicable) your employment application.
8. ACCURACY, ACCESS TO AND CORRECTION OF PERSONAL INFORMATION
8.1 William Adams will take all reasonable steps to ensure the personal information collected, used or disclosed is accurate, complete and up to date. When providing us with personal information or updating your information it is your responsibility to supply the correct information and to inform us when your personal information changes. From time to time, we may contact you to check that your personal information is up to date.
8.2 You are entitled to request access to, or correction of, your personal information that is held by us by contacting us directly. If you request access to your personal information, we will generally agree to provide it. We may decline to do so in the circumstances set out in the Australian Privacy Principles. If we decline your request for access to your personal information, we will provide our reasons to you.
8.3 Employee records typically fall outside of the disclosure requirements of the Privacy Act. If you are or were an employee of William Adams, we will generally provide you with access to information that you have provided to us, unless it is impractical to do so. If we decline your request for access to your personal information, we will provide our reasons to you.
9. HOWPERSONALINFORMATIONISKEPTSECURE
9.1 William Adams will take all reasonable steps to protect your personal information from misuse and loss and from unauthorised access, modification or disclosure. This includes using appropriate physical and electronic security technology, settings and applications and by conducting appropriate staff training.
9.2 If your personal information is no longer required, we will take steps to permanently destroy or de-identify the information.
9.3 If a privacy breach is apparent, all efforts will be made to contain the breach, evaluate the risks associated with the breach and prevent future breaches. Where a data breach occurs and serious harm to affected individuals is likely, we will notify those individuals and the Office of the Australian Information Commissioner in accordance with our legal obligations.
10. OVERSEAS DISCLOSURE
10.1 William Adams may disclose personal information to overseas recipients, including Caterpillar, in order to provide its services and products and for administrative or other business management services. The countries in which these third parties are located will depend on the circumstances but typically will include the United States of America and Singapore.
10.2 Before disclosing any personal information to an overseas recipient, William Adams takes reasonable steps in the circumstances to ensure that the overseas recipient complies with the Australian Privacy Principles or is bound by a substantially similar privacy protection scheme. In all cases, we aim to ensure that we deal only with businesses that value privacy and data security in the same way we do.
10.3 By providing us with your consent to collect, use, disclose and hold your personal information in accordance with this Privacy Policy, you acknowledge that we will no longer be required to take reasonable steps to ensure an overseas recipient’s compliance with the Privacy Act and we will not be liable to you for any breach of any Australian privacy law by an overseas recipient. Your consent to us disclosing your personal information to overseas recipients is given on this basis.
11. DEALING WITH PERSONAL INFORMATION ON WILLIAM ADAMS’ WEBSITE
11.1 Some personal information is automatically received and sometimes collected from you when you visit our website. William Adams and the host of the website (Site Host) receive and may collect the name of the domain from which you access the internet, the internet protocol address of the computer you are using, the browser software you use and your operating system, the date and time you access the website, the geographic location from which you access the website and the internet address of the website from which you link directly to our website. William Adams or the Site Host may use this information to monitor the usage of the website. All the information automatically captured provides the Site Host and us with the ability to enhance the search and shopping experiences of our customers and to determine aggregate information about our user base and their usage patterns.
11.2 When you click on links and banners on the William Adams website that take you to third party websites (including for example Caterpillar sites which are not controlled by William Adams), you will be subject to that third party’s privacy policy. While William Adams supports the protection of privacy on the internet, we cannot be held responsible for the actions of any third parties and the consequences of you accessing their websites. We encourage you to read the posted privacy policy of any and every site you visit, whether you are linking from our website or browsing on your own.
11.3 William Adams and the Site Host use data collection devices such as “cookies” to deliver customised visitor experiences and to analyse website user metrics. A “cookie” is a small file placed on your hard drive that assists us in providing our services. While you may configure your browser to reject cookies, due to the technology we use, cookies are required to register with and purchase products and services online from our website. Most cookies are “session cookies” which means they are automatically deleted from your hard drive as soon as you close your browser or shortly thereafter. You may also encounter cookies or other data collection devices placed by third parties. We do not control the use of cookies by third parties.
11.4 In general, you can browse our website without revealing any personal information other than the information automatically collected. However, once you register or otherwise provide more specific personal information, you are no longer anonymous to William Adams and the Site Host. During registration or order entry processes, you may give William Adams or the Site Host general identity information about yourself (eg. your name, company name, business address, business telephone number or business email address) and more detailed information for specific purposes (eg. special interest in products or industries, your job responsibilities or shipping and payment preferences for online purchases). As you browse our site, William Adams or the Site Host may collect certain information about how you use the site regardless of any registration.
11.5 William Adams and the Site Host use the information collected to do internal research on our users’ demographics, interests and behaviours to better understand and serve our customers. We also capture metrics on the number of visitors to the website to assist in determining our server capacity needs.
12. COMPLAINTS
12.1 You are entitled to make a complaint about the handling of your personal information or a breach of the Australian Privacy Principles by contacting William Adams’ Privacy Officer in accordance with section14 below. All complaints will be treated seriously, confidentially and promptly. After your complaint has been made, the Privacy Officer will commence an investigation into your complaint. You will be informed of the status and outcome of your complaint.
12.2 If you are dissatisfied with the outcome of your complaint, you may refer the complaint to the Office of the Australian Information Commissioner.
13. APPLICATION OF THIS POLICY
This policy applies to all situations in which William Adams collects personal information. When you do business with us, subscribe to one of our services, work for us or otherwise provide your personal information to us, you consent to us using your personal information in the manner described in this policy.
14. CONTACTING US
14.1 You can contact William Adams about your personal information in any of the following ways:
• by email to privacy@wadams.com.au
• by phone on (03) 9566 0666; or
• by post to:
The Privacy Officer
William Adams Pty Ltd 17-55 Nantilla Road CLAYTON VIC 3168
15. CHANGING THE PRIVACY POLICY
15.1 William Adams reserves the right to amend this policy at any time without notice. If we update or change this policy, the amended privacy policy will be posted on our website as a replacement to this publication.