Privacy Policy
Updated 13.09.2023
1. Our commitment to your privacy
Australian Energy Technologies Pty Limited trading as Saunum Australia (“AET”, “we”, “us” or “our”) respects your privacy. AET takes its privacy obligations very seriously and wishes to ensure you that your personal information is dealt with in accordance with the Privacy Act 1988 (as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012) (Cth) (“Privacy Act”), the Australian Privacy Principles set out in the Privacy Act (“APP’s”) and this privacy policy.
We update our privacy policy periodically. A hardcopy of our privacy policy is available upon request.
2. How we will collect and hold your personal information
Personal information:
For the purposes of the Act and this policy, “personal information” means information or an opinion (including information or an opinion forming part of a database), whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion. It is your responsibility to provide us with current and accurate personal information so that we can provide our services to you.
Sensitive information:
For the purposes of the Act and this policy, “sensitive information” means a type of personal information which includes information about an individual’s racial or ethnic origin; health information; political opinions; membership of a political, professional or trade association or trade union; religious beliefs or affiliations; philosophical beliefs; sexual orientation or practices; and criminal record.
HAS will not collect sensitive information except when the individual client has consented, it is required by law, or in other special specified circumstances, for example relating to individual or public health or safety.
Further, it is likely that it will be impractical for us to interact with you without some form of identification, and therefore we may request identification details from you at the beginning of each transaction. For example, we will not be able to open a commercial credit trading account or process a commercial credit application for you without obtaining identification details.
The purposes for which we collect and hold personal information:
We collect, hold and use your personal information to enable us to use your details to contact you and to reply to any queries or requests in relation to your account and in relation to the supply to you of our goods and services. We will endeavour to only collect and hold personal information which is relevant to the operation of our company, for example:
1. assess credit applications;
2. review existing credit terms;
3. assess credit worthiness;
4. collect overdue payments;
5. assess credit guarantees (current and prospective);
6. internal management purposes;
7. Marketing and sales; and
8. business development purposes and direct marketing.
We may also collect personal information from other credit providers, Credit Reporting Bodies and any other third parties for the purposes of our functions and activities including, but not limited to, credit, sales, marketing and administration.
How we will hold your personal information:
We will take steps to hold personal information in a manner which is secure and protected from unauthorised access, for example through staff training and restricting access where necessary. Your information may be held in either a physical form or in electronic form on our IT system. We will endeavour to destroy and de-identify the personal information once it is no longer required. In the event we hold personal information that is unsolicited and we were not permitted to collect it, the personal information will be destroyed as soon as practicable.
Meeting regulatory requirements:
We only collect and hold personal information by lawful and fair means. We also collect your personal information in order to satisfy our regulatory obligations under applicable laws and rules.
3. Disclosure of information
Subject to our confidentiality obligations, we may disclose your personal information with anyone that you have given us permission to, any person acting on your behalf or a person or AET partner who may have introduced you to us.
We may disclose your personal information to third parties to assist us in providing our services. Your information will be disclosed to third parties on a confidential basis and only if that disclosure is necessary to provide you with our services.
We may disclose personal information to Credit Reporting Bodies “CRB” (some of these are listed below) in accordance with the permitted disclosures as defined under the Act.
● Veda Advantage
● Illion
● Creditor Watch
● Experian
4. Information Security and Storage
Customer information is stored in databases shared by AET and its related bodies corporate, situated within Australia and equivalent jurisdictions.
In addition to sharing your information with AET, we may store your data using overseas cloud storage products as well as other overseas information technology products and services, where we reasonably believe that the overseas recipient is subject to laws that protect the information in a substantially similar way to the APP’s.
5. Credit checks and credit reporting
Where you apply to us for credit or propose to be a guarantor, one of our checks involves obtaining a credit report about you. You consent to us obtaining and making disclosure of Information about you from and to a CRB and/or another credit provider for a commercial credit related purpose and/or a credit guarantee purpose and/or a consumer credit purpose and/or another related purpose. We hereby notify you we may use and/or disclose credit eligibility information under section 21G of the Act.
Information exchanged with credit reporting bodies:
The information we can exchange includes your identification details, what type of credit has been extended to you, the amount of credit extended to you, whether or not you have met your credit obligations and if you have committed a serious credit infringement (such as fraud). We also ask the CRB to provide us with an overall assessment score of your creditworthiness.
Use and storage of credit-related information:
We use information from credit reporting bodies to confirm your identity, assess applications for credit, manage our relationship with you and collect overdue payments. We may also use this information as part of arriving at our own internal assessment of your creditworthiness.
6. Accessing, updating and correcting your information
You can contact us to access, correct or update your personal information. With any request that is made we will need to authenticate your identity to ensure the correct person is requesting the information. Should we hold personal information and it is inaccurate, out of date, incomplete, irrelevant or misleading, or incorrect you have the right to make us aware of this fact and request that it be corrected.
7. Complaints
In the event that you wish to make a complaint about a failure of us to comply with our obligations in relation to the Act or the APP’s please raise this with our us on info@highaboveservices.com.au.
In dealing with your complaint we may need to consult another credit provider or third party.
If you are not satisfied with the process of making a complaint with us you may make a complaint to the Information Commissioner. We suggest you do this only after you have first followed our internal complaint processes. The Information Commissioner can decline to investigate a complaint on a number of grounds, including where the complaint wasn’t made at first to us.
Office of the Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001
Email: enquiries@oaic.gov.au
Telephone: 1300 363 992
8. Further information about privacy rights and credit reporting rules
For further information about the APP’s, the Act, or the credit reporting rules please visit the Office of the Australian Information Commissioner website at www.oaic.gov.au.
This document does not create any additional rights under contract, statute or equity law.