Privacy Policy

Entity name: Discount Building Material Pty Ltd

ABN: 36 640 767 086

Address: 79 George Street, Parramatta NSW 2150

Contact: privacy@discountbuildingmaterial.com.au

1. About this policy

This policy explains how Discount Building Material Pty Ltd (“we”, “us”, “our”) handles personal information about:

- People applying for credit with us;

- Customers who purchase or use our products/services; and

- Suppliers, contractors, and their personnel who provide goods/services to us.

We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). For credit applicants, we also comply with the Privacy (Credit Reporting) Code 2024. For website users and online interactions, we may collect information when you access and interact with our website or lodge information online.

2. Types of personal information we collect

We may collect and hold the following types of personal information (depending on your dealings with us):

- Identification details such as your name, date of birth, gender, contact details, and identification documents;

- Financial information including income, expenses, assets, liabilities, employment details, and bank statements;

- Credit-related information, as outlined in Section 5 (Statement of Notifiable Matters);

- Sensitive information (only with your consent) such as information in hardship application supporting documents;

- Contact details such as phone, email, and physical address;

- Purchase and account history, including records of products/services supplied, usage patterns, and preferences;

- Payment information, including bank account or card details (processed via secure payment providers);

- Communication records such as emails, messages, or call recordings;

- Professional information such as role, qualifications, business name, ABN, and performance history;

- Technical information, including IP address, device/browser identifiers, cookies, and analytics data collected from online forms or website usage.

If you provide us with personal information about another person, you must be authorised to do so and let them know that we will handle their information in accordance with this policy.

3. How we collect personal information

This policy explains how Discount Building Material Pty Ltd (“we”, “us”, “our”) handles personal information about:

- People applying for credit with us;

- Customers who purchase or use our products/services; and

- Suppliers, contractors, and their personnel who provide goods/services to us.

4. Why we collect and use your information

We use personal information to:

- Assess and process credit applications;

- Verify identity and prevent fraud;

- Provide goods and services and process orders;

- Communicate about purchases, accounts, and support requests;

- Manage and administer credit accounts (including collections);

- Source and manage supply of goods/services;

- Pay invoices and administer contracts;

- Evaluate supplier performance;

- Improve and personalise our offerings;

- Comply with credit reporting, AML/CTF, tax, product safety, procurement, and other legal obligations.

We may also use your information for internal accounting/administration, to correspond with you or third parties, and for regulatory reporting and compliance.

5. Statement of Notifiable Matters (Credit Reporting)

Under s 21C of the Privacy Act and the Privacy (Credit Reporting) Code 2024:

Credit reporting bodies (CRBs) we use:

- Equifax Australia Information Services and Solutions Pty Limited – www.equifax.com.au/privacy

- National Credit Insurance (Brokers) Pty Ltd (NCI) – www.nci.com.au/privacy-policy

Types of credit information we exchange with CRBs:

- Identification details;

- The fact that you have applied for credit and the amount;

- Credit liability information (credit provider, type, limit, start/close dates);

- Repayment history, default information, payment information, serious credit infringements;

- Information derived from CRB reports (credit eligibility information).

Purposes:

- Assess your application, manage your account, collect overdue payments, and assist CRBs to update records.

Your rights with CRBs:

- Pre-screening opt-out: Ask CRBs not to use your credit information for direct marketing pre-screening.

- Fraud ban: Request CRBs not to use/disclose your information if you believe you are (or are likely to be) a victim of fraud.

Access and correction: See section 10.

Complaints: See section 12.

6. Marketing communications & preferences

We may contact you by email, phone, post, or digital means about products/services that may interest you. You can opt out at any time by following unsubscribe instructions or contacting us. We will not use your credit information for direct marketing. We will not publish your image or likeness in marketing without consent; if you have previously provided consent, you may withdraw it by written notice.

7. Who we share personal information with

We may share your information with:

- CRBs and other credit providers;

- Payment processors, IT and cloud service providers;

- Logistics and delivery providers;

- Professional advisers (lawyers, accountants, auditors);

- Government agencies and regulators where required by law;

- Our related entities, successors and assigns in connection with a reorganisation or transfer of business.

8. Overseas disclosure

Where practicable, we will tell you if your information will be sent overseas and identify the countries involved. We take reasonable steps to ensure overseas recipients handle personal information in accordance with the APPs.

9. Automated decision-making (credit applicants only)

We may use automated credit scoring to help assess applications by evaluating your information against our lending criteria. You can request a review of any decision made largely by automated means.

10. Access and correction

You can request access to, or correction of, your personal information (including credit-related information) by contacting us (section 13). We will respond within a reasonable time and may need to verify your identity. If we refuse your request, we’ll tell you why and how to complain.

11. Security and retention

We take reasonable technical, organisational, and physical steps to protect personal information as required by APP 11. We retain information as required for business and legal purposes and then destroy or de-identify it when no longer needed. No method of transmission over the internet is completely secure; please take care when sending information online.

If a data breach is likely to result in serious harm, we will notify you and the OAIC under the Notifiable Data Breaches scheme.

12. Complaints

If you believe we have breached the Privacy Act, the APPs, or the Credit Reporting Code:

1) Contact our Privacy Officer (section 13). We’ll respond within a reasonable time.

2) You may also complain to the Office of the Australian Information Commissioner (OAIC):

- Website: www.oaic.gov.au

- Email: enquiries@oaic.gov.au

- Phone: 1300 363 992

13. Contact details

Privacy Officer

Discount Building Material Pty Ltd

Email: privacy@discountbuildingmaterial.com.au

Phone: [number]