To whom do we disclose credit-related information?

We will only disclose credit-related information for the purpose for which it was collected or in the following circumstances:

• To external credit management companies that manage our online account applications and the ongoing credit health check of our customers.
• To other credit providers for credit-related purposes such as creditworthiness, credit rating and credit provision.
• To a guarantor or proposed guarantor named in your credit application form.
  Where required or authorised by law or otherwise as permitted under the Credit Reporting Privacy Laws; and
• Where you consent or have authorised a third party to consent to the disclosure.

Cross-border disclosure of credit-related information

Information provided to us may be held on a server operated by one of our related companies in the Spick n Clean Products in Australia. Your use of the Spick n Clean Products website constitutes consent to the storage of your information by Spick n Clean Products and its related bodies corporate and contractors providing hosting, other web site or database related services or other services (including accounting services).

How secure and accurate is your credit-related information?

We will take reasonable steps to ensure that all credit-related information we hold is:

Accurate, complete, up-to-date, relevant and not misleading
Stored in a secure environment; and

Protected from misuse, interference, and loss as well as unauthorised access, modification, or disclosure.

If any of your details change, please let us know as soon as possible by using the contact details below so we can maintain the accuracy of your credit-related information.

How can you access and correct your credit-related information?

You have a right to access any credit eligibility information that we hold about you. You also have a right to seek to correct the credit-related information that we hold about you.

We will comply with any request to access your credit eligibility information that you send us by email at This email address is being protected from spambots. You need JavaScript enabled to view it., except where the Credit Reporting Privacy Laws allow us to refuse to do so. We do not impose any charge for a request for access, but we may charge you a reasonable fee for our costs associated with providing you with access (including retrieval costs)

You also have the right to ask us to correct any credit eligibility information that we may hold about you and any credit-related information about you that is inaccurate, incomplete, out-of- date, irrelevant or misleading. If we refuse to correct your credit eligibility information or your credit-related information as requested, we must within a reasonable period:

• notify you in writing that the correction has not been made and the reasons for not correcting the information; and
• inform you that if you are unsatisfied with our response to your request, you may access a recognised external dispute resolution scheme of which Spick n Clean Products is a member or make a complaint to the Australian Privacy Commissioner.

How can I contact Spick n Clean Pty Ltd?

You may wish to contact us to ask questions about how we deal with your credit-related information or any of your credit eligibility information. You may also complain about any failure by us to comply with the Credit Reporting Privacy Laws. You may do so by contacting our Privacy Compliance Officer as follows:

Mail:
Privacy Compliance Officer
Spick n Clean Products Pty. Ltd.
14 Horsley Road,
REVESBY NSW 2212, AUSTRALIA.

Phone: +61 2 97710737
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Web: http://www.spicknclean.com.au

For complaints about privacy, we will establish in consultation with you a reasonable process, including time frames, for seeking to resolve your complaint.

Australian Privacy Commissioner

If you are not satisfied with the way in which we handle your enquiry or complaint, you can contact the Office of the Australian Information Commissioner on Tel: 1300 363 992 or email: This email address is being protected from spambots. You need JavaScript enabled to view it..

Changes to this Credit Information Policy

This is our current Credit Information Policy outlining our credit-related information management practices. This policy replaces any other Credit Information Policy published by us to date. We may vary this policy from time to time. We encourage you to review the spicknclean.com.au website regularly to ensure that you are aware of our current Credit Information Policy.

Spick n Clean Products Pty. Ltd. reserves the right to modify, revise or supplement parts of this document as it sees fit.