In this policy we explain how and why we collect your credit information, how we use it, and what controls you have over our use of it. This policy is relevant to individuals who are current and former commercial credit account holder customers, as well as other individuals that Bunnings deals deal with in connection with credit we provide to account commercial credit account customers (such as guarantors and directors).
- Bunnings is committed to complying with Commonwealth legislation (the Privacy Act 1988 and the APP and the Credit Reporting Code) governing privacy of credit information by credit providers and to protecting and safeguarding your privacy when you deal with us.
Collection of information and types of of information collected
- Bunnings collects, holds and discloses various types of credit-related information about individuals, including:
While the Privacy Act uses a variety of terms to refer to the types of information above, for ease of understanding and reading this policy, we will refer to it as "credit information".
- identification information such as current and prior names and addresses, age, contact details and driver's licence number;
- applications for consumer or commercial credit (including the name of each relevant credit provider), the type and amount of that credit and the fact Bunnings has accessed consumer credit information to assess a relevant application;
- that Bunnings and other credit providers are or have been a provider of credit to an individual and the type, characteristics and maximum amount of credit that have been provided or will be provided;
- the date that any credit contract Bunnings or other credit providers have or had with an individual was entered into and the date that it comes to an end;
- payments owed to Bunnings or another credit provider, in connection with credit provided to an individual or in relation to which an individual is a guarantor, overdue for more than 60 days (and, if such an individual subsequently repays any such overdue payment, the fact of that repayment);
- whether in Bunnings’ or another credit provider's opinion an individual has committed a serious credit infringement;
- whether an individual has entered into arrangements with Bunnings or other credit providers in connection with credit provided to the individual;
- court proceedings information, personal insolvency information and credit-related publicly available information;
- scores, ratings, summaries, evaluations and other information relating to an individual’s credit worthiness which is derived by Bunnings or its agents or by CRBs wholly or partly on the basis of the information above;
- certain administrative information relating to credit, such as account and customer numbers.
- Credit information may be collected in a number of ways including:
How credit information is held
- being provided by an individual directly to Bunnings or by persons acting on behalf of the individual (such as on applications or other forms);
- being provided by credit reporting bodies (“CRBs”) and other credit providers with the consent of the individual;
- being information that is in the public domain;
- being information is derived by Bunnings us from an individual’s usage and (where applicable) trade on and repayment of any account held with Bunnings.
- Any financial
information that is collected via Bunnings’ web site or through Bunnings Trade
or Supplier BITS Internet trading systems relating to you is used by Bunnings
to bill you for products and services. Any financial information that is
collected is for the purpose of transaction approval and funds transfer. Any
such financial information we collect from or about you is kept securely and
held on secure servers in controlled facilities.
- At or before the time
any credit information is collected by Bunnings about you, we will take
reasonable steps to ensure that you are made aware of who we are, the fact that
you are able to gain access to the information held about yourself, the purpose
of the collection, the type(s) of organisations to which we usually disclose
such information, any laws requiring the collection of the information and the
main consequences for you if all or part of the information is not collected.
- Bunnings may hold credit information about you
in physical form or in electronic form on our systems or the systems of
Bunnings’ service providers.
The credit information Bunnings holds about
you is protected by physical, electronic, and procedural safeguards and Bunnings
also require its service providers that hold and process such information on
Bunnings’ behalf to follow appropriate standards of security and
Bunnings trains its staff and others who work
for it on how to handle credit information appropriately and Bunnings restricts
access to what is necessary for specific job functions.
Use of information collected and disclosure
of personal information to others
- We may collect, hold, use or disclose credit
information held about you for the purposes for which such information is
collected. These purposes include:
- to form decisions as to whether to provide an
individual, or an entity associated with an individual, with credit or to
accept an individual as a guarantor;
- to make assessments relating to an
individual’s credit worthiness which are used in Bunnings’ ongoing
decision-making processes regarding provision of credit and the amount of such
- to participate in the credit reporting system
and providing information to CRBs as permitted by Part IIIA of the Privacy Act
and the Credit Reporting Code;
- to assist an individual or entity associated
with the individual to avoid defaulting on credit-related obligations to
Bunnings or other credit providers;
- to undertake debt recovery and enforcement
activities, including in relation to guarantors, and to deal with serious
- to deal with complaints and meet legal and
regulatory requirements; and
- to assist other credit providers to do the
(Some credit information may only be used or
disclosed for some of the above purposes and in some circumstances. Some
examples of circumstances are set out below.)
- Generally, Bunnings
will be permitted to use or disclose credit information held about you where
you consented to the use or disclosure. Bunnings may disclose credit
information about you to CRBs and/or to other credit providers. For example,
where you consented to the disclosure or where you failed to meet payment
obligations in relation to credit provided by Bunnings or if you have committed
a serious credit infringement.
- CRBs may include credit information provided
by Bunnings in reports provided to other credit providers to assist such other
credit providers to assess the individual’s credit-worthiness. Bunnings shares
credit information with the following CRBs:
Veda Advantage Limited
Level 15,100 Arthur Street
North Sydney NSW
Telephone: 1300 762 207
Dun & Bradstreet (Australia) Pty Ltd
479 St Kilda Road
Melbourne VIC 3004
relation to CRBs
Anonymity and Pseudonymity
- You have the option of dealing with
Bunnings anonymously or with a pseudonym.
However, this only applies where it is practicable for Bunnings to deal
with you acting anonymously or under a pseudonym such as a general
- As part of Bunnings’ functions and
business activities and to promote the services we can provide to you, Bunnings
may use personal information that you have provided to Bunnings for the
purposes of direct marketing. Direct
marketing includes, but is not limited to, sending to you and/or contacting you
in relation to promotions and information about Bunnings. We will generally do so where you have
expressed an interest in receiving such information. You can opt out of receiving direct marketing
communications by sending an email to Bunnings’ Privacy Officer at email@example.com or using the link or contact information
provided in the direct marketing communication.
- Our web site may contain links to other
web sites and those third party web sites may collect personal information
about you. We are not responsible for the privacy practices of other businesses
or the content of web sites that are linked to our web site. Bunnings
encourages users to be aware when they leave the site and to read the privacy
statements of each and every web site that collects personally identifiable
Security and storage
- Bunnings places a great importance on the
security of all information associated with our customers, clients and
contractors. We have security measures in place to attempt to reasonably
protect personal information against loss, misuse and alteration, interference,
unauthorised access, modification or disclosure. All personal information held is kept
securely and that held electronically is held on secure servers in controlled
- Personal information is de-identified or
destroyed securely when no longer required by us.
- Bunnings retains the information you
provide to us including your contact and credit card details to enable us to
verify transactions and customer details and to retain adequate records for
legal and accounting purposes. This information is held on secure servers in
- Information stored within our computer
systems can only be accessed by those entrusted with authority and computer
network password sanctions.
- No data transmission over the Internet
can be guaranteed to be 100 per cent secure. As a result, while we strive to
protect users' personal information, Bunnings cannot ensure or warrant the
security of any information transmitted to it or from its online products or
services, and users do so at their own risk. Once Bunnings receives your
transmission, it makes reasonable efforts to ensure its security on its
- You are responsible for keeping your
passwords and/or account information secret. You should be careful and
responsible whenever you are online.
Access to and
correction of personal information
- Bunnings is committed to and takes
reasonable steps to maintain accurate, timely, relevant, complete and
appropriate information about our customers, clients and web-site users.
- You may request access to personal
information about you held by Bunnings.
Requests for access to your personal information should be made to:
Bunnings’ Privacy Officer
16-18 Cato St,
Telephone: +613 8831 9740
- Verification of identity is required with
a request to access (or update personal information) so that we can ensure your
personal information is disclosed only to you.
- Inaccurate information will be corrected
upon receiving advice from you.
- If we refuse to provide you with access
to or correct the personal information held about you by us, then we will
provide reasons for such refusal.
- Bunnings will respond to any requests for
access or correction within a reasonable time of receipt of the request, but by
no later than 30 days of the request being received.
- If you have a question or complaint about
our Privacy Policies or Bunnings’ collection, use or safe disposal or
destruction of your personal information, your feedback should be directed in
the first instance to Bunnings’ Privacy Officer at the contact details set out at clause 19 of this
- We will promptly investigate your feedback
and attempt to resolve the matter. If you are not satisfied with the outcome of
this procedure or we have not responded to you with a determination within 30
days then you may contact the Office of the Australian Information
Office of the Australian Information
Phone: 1300 363 992
Or if in New Zealand: Privacy Commissioner (NZ)
Transfer of information overseas
- Bunnings does not ordinarily disclose
personal information to overseas recipients.
Personal information will only be disclosed by Bunnings to overseas
recipients in accordance with law such as if the disclosure is required by
- Bunnings collects information from the
site using "IP files".
- When you visit the Bunnings site to read,
browse or download information, our system will record/log your IP address (the
address which identifies your computer on the internet and which is
automatically recognised by our web server), date and time of your visit to our
site, the pages viewed and any information downloaded. This information will
only be used for the purpose of site analysis and to help us offer you improved
online service. We may automatically collect non-personal information about you
such as the type of Internet browsers you use or the site from which you linked
to our Web Sites. You cannot be identified from this information and it is only
used to assist us in providing an effective service on our Web Sites.
- If Bunnings decides to or is required to
collected, how it is used and the way in which information may be disclosed. As
- If you require further information
regarding our Privacy Policies, please contact us at the following address:
- Should you wish to read more information
on privacy legislation or the Australian Privacy Principles we recommend that
you visit the web-site of the office of the Australian Information
Commissioner at www.oaic.gov.au or, if in New Zealand, the Privacy
Commissioner’s website at www.privacy.org.nz
- You accept and acknowledge that your use