For the purpose of this Credit Reporting Policy, "Baiada", "we", "us" or "our" means collectively and/or individually Baiada Poultry Pty Limited (ABN 96 002 925 948) and BPL Adelaide Pty Limited (ABN 40 108 037 798) and Bartter Enterprises Pty Limited (ABN 22 000 451 374) and BPL Melbourne Pty Limited (ABN 49 115 955 541, which trades as Rainbow Valley Turkeys) and Tangaratta Stockfeeds Pty Limited (ABN 51 001 278 584).
Baiada is bound by Part IIIA of the Privacy Act 1988 (Cth) ("Privacy Act") and the Privacy (Credit Reporting) Code 2014 ("CR Code"), which govern credit reporting in Australia, and is committed to the protection of personal privacy within the scope of applicable law.
Under the Privacy Act, Baiada is obliged to notify you, or ensure that you are aware, of certain matters at or before the time we collect credit information that we are likely to disclose to a credit reporting body. See 'Exchanges of information about you with credit reporting bodies and Statement of Notifiable Matters' below.
About this Credit Reporting Policy
The purpose of this Credit Reporting Policy is to tell you how we collect, hold, use and disclose:
The Privacy Act contains a variety of detailed definitions describing these types of information. To make it easier for you to read this policy, we have only included some general explanations above. If you would like to refer to the full provisions of the Privacy Act or the CR Code, they are available on the website of the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
This Credit Reporting Policy explains:
This Credit Reporting Policy applies to any individual in relation to whom we collect and hold credit information or credit eligibility information no matter how they interact with us (e.g. on-line, in person or over the phone). The latest version of this Credit Reporting Policy will be published on our websites.
Please note that if you apply for, or have obtained, commercial credit from us, this Credit Reporting Policy does not deal with the way we exchange commercial credit information with commercial credit reporting bodies.
What kinds of credit information does Baiada collect and hold?
The Privacy Act permits Baiada to collect and hold certain kinds of credit information. This information includes:
What kinds of credit eligibility information does Baiada hold?
The Privacy Act permits Baiada to hold certain kinds of credit eligibility information. This information includes:
For what purposes do we collect, hold, use and disclose your credit information and credit eligibility information?
Baiada may collect, hold, use and disclose your credit information and credit eligibility information to:
How do we collect credit information?
Baiada collects credit information in a variety of ways, such as obtaining the relevant information directly from you or by persons acting on your behalf (including on application forms or other forms or in our ongoing dealings with you in connection with commercial credit).
Exchanges of information about you with credit reporting bodies and Statement of Notifiable Matters
We may obtain credit reporting information about you from credit reporting bodies. Credit reporting information includes:
Statement of Notifiable Matters
Under the Privacy Act, we are required to notify you, or ensure that you aware, of the following notifiable matters:
Equifax (formerly Veda Advantage Information Services and Solutions Limited)
Postal address: PO Box 964, North Sydney, NSW 2059
How Baiada holds, stores and protects credit information and credit eligibility information
Baiada holds, stores and protects credit information and credit eligibility information in a combination of computer storage facilities, paper-based files and other records. In so doing, we have taken numerous steps to protect such information from misuse, interference and loss, and unauthorised access, modification or disclosure.
The internet is not a secure method of transmitting information. Accordingly, other than where Baiada uses secure socket layer technology (SSL) to ensure information (such as credit card information) is securely transmitted and processed, Baiada cannot and does not accept responsibility for the security of information you send to or receive from us over the internet, or for any unauthorised access or use of that information.
How you can access your credit eligibility information
Baiada will take reasonable steps to make sure that the credit eligibility information we collect, use or disclose is accurate, complete, up to date and relevant. If your personal details change, such as your address or phone number, please contact our National Credit Manager by email or at the address detailed below.
At your request to the National Credit Manager, Baiada will provide you with a copy of any credit eligibility information which we hold about you, unless an exception under the Privacy Act applies. We may charge a reasonable fee for retrieving this information, in which case we will inform you of the fee and obtain your agreement to that fee before providing the information.
In accordance with the Privacy Act, Baiada will:
How you can request the correction of your credit information or credit eligibility information
If you believe that the credit information or credit eligibility information that we hold is not accurate, up to date, complete, or is irrelevant or misleading, then you can make a request to our National Credit Manager to have the information corrected. If we are satisfied that such information needs to be corrected, we will do so within 30 days of the request or such longer period agreed in writing.
Baiada will comply with the Privacy Act in relation to any request for the correction of your credit information or credit eligibility information.
In the course of the investigation process, we may consult with and disclose information to our credit reporting bodies and/or other credit providers.
If our investigations reveal that your credit information or credit eligibility information does not require correction, then we will within a reasonable period advise you of this in writing unless we are not permitted by law. The written notice will set out the reasons for not correcting, including evidence substantiating the correctness of the information. The written notice will advise you that you can contact the OAIC to make a complaint if you are dissatisfied with our response to your request.
If, after our investigations, we have corrected your credit information or credit eligibility information, we will within a reasonable period advise you of this in writing unless we are not permitted by law.
How to make a complaint and how Baiada will deal with your complaint
If you believe that Baiada has failed to comply with the CR Code or Part IIIA of the Privacy Act, then you may complain using the contact details listed at the bottom of this Credit Reporting Policy.
In accordance with the Privacy Act, Baiada:
Baiada is committed to ensuring that we promptly acknowledge and investigate any complaint about the way we collect, manage, use and disclose your credit Information and credit eligibility information.
Disclosure of credit information or credit eligibility information overseas
Baiada does not at the time of releasing this Credit Reporting Policy disclose credit information or credit eligibility information to any overseas recipients.
How to contact the credit reporting body - Equifax (formerly Veda)
You may contact Equifax by using the following information. If you have any questions regarding, or would like to request a copy of, your publicly held consumer credit report then please contact Veda as follows:-
Equifax - My Credit File
Phone: 138 332
How to contact Baiada
If you have any questions about this Credit Reporting Policy, or if you wish to make a request to access or correct information we hold about you, or if you wish to make a complaint about our collection, use, management or disclosure of your credit information or credit eligibility information under this Credit Reporting Policy then please, in the first instance, contact:
The National Credit Manager
PO Box 21
Pendle Hill NSW 2145
Fax: (02) 9842 1170
This Credit Reporting Policy was last updated in July 2018.