Thank you for applying for a credit account.
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 1300 727 202.
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
Privacy Policy
Label Power is committed to providing you with the highest levels of customer service. This includes protecting your privacy. Label Power is bound by the Commonwealth Privacy Act 1988, which sets out a number of principles concerning the protection of your personal information.
Set out below is information that Label Power is required to communicate to its customers. Label Power recommends that you keep this information for future reference.
Personal Information
Personal information held by Label Power may include your name, date of birth, current and previous addresses, telephone/mobile phone number, email address, bank account or credit card details, occupation, and your Label Power username or password.
If you choose not to provide certain personal information (e.g. your contact information), Label Power may not be able to provide you with the services you require, or the level of service on which Label Power prides itself.
Occasionally, you may need to provide personal information about other individuals to Label Power (e.g. registering a co-employee for a Label Power account). If so, Label Power relies on you to inform those individuals that you are providing their personal information to Label Power and to advise them that Label Power can be contacted for further information (see ‘How to contact us’ below).
Collection Of Personal Information
Label Power collects personal information in a number of ways, including:
directly from you, when you provide information by phone or in application forms, or when you submit your personal details through Label Power’s web site (e.g. during account registration);
from publicly available sources of information;
from Label Power’s own records from your previous dealings with us; or
when legally required to do so.
Usage of Personal Information
Your personal information may be used to:
verify your identity;
assist you to subscribe to Label Power’s services;
provide the services you require;
administer and manage those services;
inform you of ways the products and services provided to you could be improved;
conduct appropriate checks for credit-worthiness and for fraud;
research and develop Label Power’s products and services; and
gain an understanding of your information and communication needs in order for Label Power to provide you with a better service.
Also, your personal information is collected so that Label Power can promote and market its products to you (including by way of direct mail and telemarketing). Label Power does this to keep you informed of its products, services and special offers. If you do not wish Label Power to promote and market its products, services and special offers to you, please call 1300 727 202.In relation to marketing and promotional material sent via email, Label Power will send such material only if you elect to receive it (i.e. opt-in) or if it is provided in response to your request. You can indicate your opt-in preference at the time you register for an account with Label Power.
Label Power’s Website
Label Power provides products and services via its web site. When you visit Label Power’s site, its web servers record anonymous information such as the time, date and URL of the request. This information assists Label Power to improve the structure of its web site and monitor its performance.
Label Power uses cookies on its web site. Cookies are an industry standard and most major web sites use them. A cookie is a small text file that our web site may place on your computer. Usually, cookies are used as a means for Label Power’s web site to remember your preferences. As such, cookies are designed to improve your experience of Label Power’s web site.
In some cases, cookies may collect and store personal information about you. Label Power extends the same privacy protection to your personal information, whether gathered via cookies or from other sources. You can adjust your Internet browser to disable cookies or to warn you when cookies are being used. However, if you disable cookies, you may not be able to access certain areas of our web sites or take advantage of the improved web site experience that cookies offer.
Label Power also uses permanent cookies to enable basic web traffic analysis using Google Analytics (showing us which areas of the site are popular and those that are not often visited, this allows us to prioritise our enhancements to our website).
Label Power uses remarketing with Google Adwords and Analytics to display content specific advertisements to visitors that have previously visited our site when those visitors go to other websites that have the Google Display Network implemented.
Label Power do use some cookies from trusted 3rd party sources to enable us to provide you with certain features on our website, for example our live chat facility which is provided, uses cookies to enable the chat software to work.
Removing some of our cookies may seriously disrupt your use of the site. You can always come back to this Privacy Policy at any time and change your preferences. You will find a link to this policy at the bottom of all of our web pages.
Label Power also collects Internet Protocol (IP) addresses. IP addresses are assigned to computers on the internet to uniquely identify them within the global network. Label Power collects and manages IP addresses as part of the service of providing internet session management and for security purposes.
Accuracy Of Personal Information
Label Power takes all reasonable precautions to ensure that the personal information it collects, uses and discloses is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you provide. That’s why Label Power recommends that you:
let Label Power know if there are any errors in your personal information; and
keep Label Power up-to-date with changes to your personal information such as your name or address.
If you are a registered customer to Label Power’s website, you may change your personal details by using the relevant facility on this web site.
Access To Personal Information
You have a right to access your personal information, subject to some exceptions allowed by law. If you would like to do so, you will need to put your request in writing for, security reasons, and either send it by mail to Label Power, PO Box 363, Archerfield BC QLD 4101 or by fax to 1300 727 212 (or +61 7 3710 7000 for international) or by email to james@labelpower.com.au.
Contact Us
Please visit our Contact Us page for our complete contact details. You may also send us feedback through our Contact Us page.