Your privacy is important to us. This information explains how we comply with Australian privacy requirements when we deal with your credit-related information. Please read this information carefully as it includes notifiable matters that must be disclosed to you.

Spick n Clean Products Pty. Ltd. (ABN 89 120 573 935) (referred to as "Spick n Clean Products Group", "we” and "us") may collect personal information about you when you apply for commercial credit from us or where you offer to act as guarantor for a commercial credit application by a company or other entity. We may conduct a credit check on you before we agree to provide commercial credit or before we accept your guarantee.

This policy applies to our collection, use and disclosure of your credit-related information if you apply for credit for product purchases with us. Unless you give us your consent to do otherwise, we will only collect, use and disclose your credit-related information in accordance with this Credit Policy. Where we collect any personal information not related to the provision of credit for product purchases with us, we abide by our general Privacy Policy available here.

Spick n Clean Products Pty. Ltd. abides by Part IIIA of the Privacy Act 1988 (Cth) (“Privacy Act”), the Privacy Regulation 2013 (Cth) and the Privacy (Credit Reporting) Code 2014 (together, the “Credit Reporting Privacy Laws”). You can obtain information about the Credit Reporting Privacy Laws and your privacy rights at the “Credit reporting” page of the website of the Office of the Australian Information Commissioner at http://www.oaic.gov.au/privacy/privacy-act/credit- reporting

What information do we collect and hold?

If you apply for credit for product purchases from Spick n Clean Pty Ltd, we will collect your contact details and may collect information in relation to your business, assets and credit history for the purposes of considering your application. If you are guaranteeing the credit application of another person, Spick n Clean Pty Ltd may collect your contact details and may collect information in relation to your business, assets and liabilities and credit history for the purposes of considering whether to accept that guarantee.

Spick n Clean Pty Ltd does not currently use the services of a Credit Reporting Body and therefore we do not currently collect information defined in the Privacy Act, as “credit eligibility information” and “CP derived information”.

Spick n Clean Products does collect, hold and derive “credit information” (as defined in the Privacy Act).

The kinds of “credit information” we collect from you and hold may include:

• Identification information, including your name, address, date of birth, gender and contact details (telephone numbers and email address).
• Details of your credit history with us (including any repayments that you have missed, late repayments that you have made and information about whether you have met your obligations to repay your credit or satisfy any guarantee);
• Information about any credit provided to you by other credit providers (including financial institutions, utilities or telecommunications providers);
• Details of any credit-related court proceedings that relate to you
• Details of any bankruptcy or insolvency applications relate to you.

We may also collect credit information that relates to a commercial credit application by you, or a commercial credit application that you propose to guarantee, from a credit management company.

In this policy, we use the term “credit-related information” to refer to credit information as defined in the Privacy Act.

How do we collect and hold your credit-related information?

We usually collect credit information in the following ways:

• Directly from you, either in person, in documents (such as application forms)
• From third parties including a credit management company, other credit providers or your representatives
• From publicly available resources
• From references provided with your application; and
• From our own records of how you purchase products from Spick n Clean Products.

We hold credit-related information in hard copy and electronic files.

If your credit-related information is no longer needed, Spick n Clean Products will take reasonable steps to destroy or permanently delete it.

What are the purposes for which we collect, hold, use and disclose your credit-related information?

We collect, hold, use and disclose your credit-related information for the purpose of providing you credit for product purchases with us. The purpose for which we collect, hold, use and disclose your credit-related information may include:

• To assess any application that you make to us for credit, (or which is made by your related entity, such as a company of which you are a director) or to guarantee the credit application of another;
• To administer and manage the products and services we provide to you, including to collect payments that are owed to us in relation to any credit that we have provided to you or your related entity.
• Where you have offered to guarantee credit, to assess whether to accept your guarantee and the risk of you being unable to meet your obligations.
• To disclose to a third party that you have asked to act as a guarantor of any credit provided to you or your related entity.
• To conduct appropriate checks for creditworthiness, including disclosing credit information to third parties such as external credit management companies and other credit providers who may then provide to us credit information about you.
• To disclose credit information to other credit providers which provide or are considering providing credit to you or to your related entity.
• To deal with access requests, complaints or regulatory matters relating to credit or Credit Reporting.
• Any external administrators appointed to your company; and
• As required or authorised by law or otherwise as permitted under the Credit Reporting Privacy Laws.

If you choose not to provide us with some or all of the requested credit-related information, we may not be able to process your application for credit and/or provide you or your related entity with credit for the purposes of product purchases with us.