Updated on 1 June 2023
Volvo Group Australia Pty Ltd (ABN 27 000 761 259) (“Volvo Group Australia”, “we”, “us” or “our”) collects personal information about you on behalf of AB Volvo (the company incorporated under Swedish law with official registration number 556012-5790) and all of its global affiliates and subsidiaries (“Volvo Group”). We are committed to protecting your privacy and the confidentiality of your credit information and credit eligibility information. In handling your credit information and credit eligibility information, we are bound by, and comply with the Privacy Act 1988 (Cth) (“Privacy Act”), and the Privacy (Credit Reporting) Code 2014 (Cth) (“Code”). In this Credit Reporting Policy, “you” (and “your”) means you the individual with whom we are dealing or, in the case of a legal entity, that legal entity, and its individual owners, officers, guarantors, employees, contractors or representatives whose credit information and credit eligibility information we may need to process in order to provide the requested services and for any of the purposes described below.
This Credit Reporting Policy sets out how we process your credit information and credit eligibility information, how you can access credit information and credit eligibility information we hold about you and how you can complain about our processing of your credit information and credit eligibility information.
Certain terms used in this Credit Reporting Policy are defined in Section 8.
The credit information we collect and hold may include any of the following types of personal information:
If you choose not to provide this information, our ability to process your or your company’s credit application or accept you as a guarantor for such application, or to provide you with the products and services requested, may be limited.
Wherever possible, we will collect credit information directly from you when you apply for consumer credit, commercial credit or other products and services we provide. This is done in a number of ways, such as direct meetings with you, written applications for credit by you and when you contact us by phone, email, or through our interactive facilities, such as customer enquiry, online finance applications or comment forms.
In some circumstances, we may also collect your credit information from third parties, such other members of the Volvo Group, your broker or accountant, or other persons who you refer to us.
We may collect your credit information, including as to your credit worthiness, from the CRBs set out in Section 5, and other credit providers as further described in this Credit Reporting Policy.
If you provide us with any personal information relating to any other individual (for instance, personal information of referees, guarantors, or employers), you are responsible for giving all notifications, and obtaining all consents required for us to process that information in connection with the purposes of the disclosure.
We process your credit information and credit eligibility information for the primary purposes of:
We may also handle your credit information and credit eligibility information for other secondary purposes relating to our or Volvo Group’s legitimate business purposes, including internal management purposes.
We may disclose your credit information or credit eligibility information to third parties where reasonably required in connection with the purposes of collection, including to:
We may disclose your credit information and credit eligibility information to members of the Volvo Group, or their service providers, who are outside of Australia and who may not have an Australian link.
It is not possible to anticipate or list all third countries to which we might need to transfer your credit information and credit eligibility information but, as a guide, the countries to which we are most likely to transfer your information will be the countries in which we presently do business and, more particularly, where we presently have our Global or Regional Head Quarters and global and regional data centres. Those countries are: (1) USA, (2) Sweden, (3) France, (4) China, (5) Brazil, (6) Poland and (7) the Netherlands.
We take reasonable steps to ensure that members of the Volvo Group and third party recipients located outside of Australia do not breach the relevant provisions of the Privacy Act.
By signing a credit application, or contracting or engaging with us for the provision of products and services, or offering to be a guarantor for an agreement, you consent to us:
You have a right to access and request amendments to your credit information and credit eligibility information information if it is out-of-date, incomplete or inaccurate.
You can request access or amendments to the information we hold about you by contacting our Privacy Officer:
Email: +61 7 3718 3500
Address: 41 Bivouac Place, Wacol Qld 4076
In some cases an administration fee may be charged to cover the cost of providing the information.
If your request relates to information which has been provided by a CRB or another credit provider, we may need to consult with them about the request.
You can also access the credit information that the CRB holds about you by contacting the CRB for a copy of that information, at:
Level 15, 100 Arthur Street
NORTH SYDNEY NSW 2060
Tel: 1300 921 621
Level 13, 109 Pitt Street
SYDNEY NSW 2000
Tel: 1300 501 312
Level 2, 165 Grenfell St
ADELAIDE SA 5000
Tel: 1800 882 820
Level 20/201 Elizabeth St
SYDNEY NSW 2000
Tel: 1300 734 806
Level 6, 549 St Kilda Road
MELBOURNE VIC 3004
Tel: 03 9699 0100
If you wish to make a complaint that we have not complied with Part IIIA of the Privacy Act or the Code, you should contact the Privacy Officer (complaints officer) noted above to lodge a complaint.
Once we receive your complaint, we will acknowledge it in writing within 7 days and attempt to resolve it within 30 days and if we are unable to do so, we will let you know why there is a delay, the expected timeframe to resolve the complaint and seek your agreement to an extension for a reasonable period.
If you do not believe we have handled the complaint properly and you are not satisfied with the response, you may contact the Office of the Australian Information Commissioner (Telephone +61 1300 363 992, mail to GPO Box 5288, Sydney NSW 2001 or online privacy complaint form at https://forms.business.gov.au/smartforms/servlet/SmartForm.html?formCode=APC_PC&tmFormVersion).
If the complaint relates to how we have handled a complaint, you may contact the Australian Financial Complaints Authority, our external dispute resolution system.
“CP derived information” means any personal information (other than sensitive information) derived by us from credit information that we obtained from a CRB or derived by a CRB from credit information it holds about you; that has any bearing on your credit worthiness and that is, has been or could be used to decide your eligibility for consumer credit.
“CRB” means a credit reporting body.
“credit information” has the meaning given under the Privacy Act, and may include the information set out in Section 1.
“credit eligibility information” has the meaning given under the Privacy Act, and means information we obtain in, or derive from, your credit application and/or from a CRB. Credit eligibility information includes CP derived information.
"personal information" means any information or an opinion about an identified individual, or an individual who is reasonably identifiable:
“process” means to collect, hold, use, copy, disclose or perform any other set of operations on, credit information and credit eligibility information.