Champ Australia Pty Ltd ABN 23 632 787 734 (“Champ”) is subject to the Australian Privacy Principles pursuant to the Privacy Act 1988 as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012. Our Privacy Statement describes how Champ protects the privacy of any of your personal information in accordance with the Australian Privacy Principles.
Champ will only collect personal information which is necessary for the operation of its business. Champ will only collect such information by lawful and fair means and not in an unreasonably intrusive way.
At or before the time (or, if that is not practicable, as soon as practicable after) Champ collects personal information about an individual from the individual, Champ will take reasonable steps to ensure that the individual is aware of:
a) the identity of the organisation and how to contact it; and
b) the fact that he or she is able to gain access to the information; and
c) the purposes for which the information is collected; and
d) the organisations (or the types of organisations) to which Champ usually discloses information of that kind; and
e) any law that requires the particular information to be collected; and
f) the main consequences (if any) for the individual if all or part of the information is not provided.
If it is reasonable and practicable to do so, Champ will only collect personal information about an individual from that individual. If Champ collects personal information about an individual from someone else, it will take reasonable steps to ensure that the individual is or has been made aware of the matters listed above except to the extent that making the individual aware of the matters would pose a serious threat to the life or health of any individual.
2. PURPOSE OF INFORMATION
Champ will collect and use personal information to provide services to you and to administer those services. Champ may also use information to develop new products and services, attend to your enquiries, seek feedback, or tell you about other products or services offered by Champ and its related companies. Champ may also seek personal information for legal reasons such as compliance with legislation (for example Anti-Money Laundering legislation).
3. USE & DISCLOSURE
Champ will not use or disclose personal information about an individual for a purpose (the secondary purpose) other than the primary purpose of collection unless:
a) both of the following apply:
b) the individual has consented to the use or disclosure;
c) if the information is not sensitive information and the use of the information is for the secondary purpose of direct marketing:
d) if the information is health information and the use or disclosure is necessary for research, or the compilation or analysis of statistics, relevant to public health or public safety:
e) Champ reasonably believes that the use or disclosure is necessary to lessen or prevent:
f) Champ has reason to suspect that unlawful activity has been, is being or may be engaged in, and uses or discloses the personal information as a necessary part of its investigation of the matter or in reporting its concerns to relevant persons or authorities;
g) the use or disclosure is required or authorised by or under law; or
h) Champ reasonably believes that the use or disclosure is reasonably necessary for one or more of the following by or on behalf of an enforcement body:
If Champ uses or discloses personal information under paragraph (h), it must make a written note of the use or disclosure. The above operates in relation to personal information that Champ has collected from a related body corporate as if Champ’s primary purpose of collection of the information were the primary purpose for which the related body corporate collected the information.
4. KIND OF INFORMATION
Champ will only seek personal information relevant to its business relationship with you. When you apply for Champ, Champ may request information that identifies you and information about your financial position and history. In most cases and where possible personal information about an individual will be collected directly from that individual. The most common way Champ collects personal information is from Champ application forms.
5. DATA QUALITY
Champ will take reasonable steps to make sure that the personal information it collects, uses or discloses is accurate, complete and up-to-date.
6. DATA SECURITY
Champ will take reasonable steps to protect the personal information it holds from misuse and loss and from unauthorised access, modification or disclosure.
Champ will take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed under Australian Privacy Principles.
On request by a person, Champ will take reasonable steps to let the person know, generally, what sort of personal information it holds, for what purposes, and how it collects, holds, uses and discloses that information.
8. ACCESS & CORRECTION
If Champ holds personal information about an individual, it will provide the individual with access to the information on request by the individual, except to the extent that:
a) in the case of personal information other than health information – providing access would pose a serious and imminent threat to the life or health of any individual;
b) in the case of health information – providing access would pose a serious threat to the life or health of any individual;
c) providing access would have an unreasonable impact upon the privacy of other individuals;
d) the request for access is frivolous or vexatious;
e) the information relates to existing or anticipated legal proceedings between Champ and the individual, and the information would not be accessible by the process of discovery in those proceedings;
f) providing access would reveal the intentions of Champ in relation to negotiations with the individual in such a way as to prejudice those negotiations;
g) providing access would be unlawful;
h) denying access is required or authorised by or under law;
i) providing access would be likely to prejudice an investigation of possible unlawful activity;
j) providing access would be likely to prejudice:
k) an enforcement body performing a lawful security function asks Champ not to provide access to the information on the basis that providing access would be likely to cause damage to the security of Australia.
However, where providing access would reveal evaluative information generated within Champ in connection with a commercially sensitive decision-making process, Champ may give the individual an explanation for the commercially sensitive decision rather than direct access to the information.
If Champ is not required to provide the individual with access to the information because of one or more of paragraphs above, Champ must, if reasonable, consider whether the use of mutually agreed intermediaries would allow sufficient access to meet the needs of both parties.
If Champ charges for providing access to personal information, those charges:
a) must not be excessive; and
b) must not apply to lodging a request for access.
If Champ holds personal information about an individual and the individual is able to establish that the information is not accurate, complete and up-to-date, Champ will take reasonable steps to correct the information so that it is accurate, complete and up-to-date. If the individual and Champ disagree about whether the information is accurate, complete and up-to-date, and the individual asks Champ to associate with the information a statement claiming that the information is not accurate, complete or up-to-date, Champ will take reasonable steps to do so. Champ will provide reasons for denial of access or a refusal to correct personal information.
Champ will not adopt as its own identifier of an individual an identifier of the individual that has been assigned by:
a) an agency; or
b) an agent of an agency acting in its capacity as agent; or
c) a contracted service provider for the Commonwealth contract acting in its capacity as contracted service provider for that contract.
However, the above does not apply to the adoption by a prescribed organisation of a prescribed identifier in prescribed circumstances. Champ will not use or disclose an identifier assigned to an individual by an agency, or by an agent or contracted service provider mentioned above, unless:
a) the use or disclosure is necessary for the organisation to fulfil its obligations to the agency; or
b) one or more of paragraphs under heading 3, numbers e) to h) (inclusive) apply to the use or disclosure; or
c) the use or disclosure is by a prescribed organisation of a prescribed identifier in prescribed circumstances.
In this clause: “identifier” includes a number assigned by an organisation to an individual to identify uniquely the individual for the purposes of the organisation’s operations. However, an individual’s name or ABN is not an “identifier”.
Wherever it is lawful and practicable, individuals will have the option of not identifying themselves when entering into transactions with Champ.
11. TRANSBORDER DATA FLOWS
Champ is not likely to disclose personal information to overseas recipients. Champ may transfer personal information about an individual to someone (other than to Champ or the individual) who is in a foreign country only if:
a) Champ reasonably believes that the recipient of the information is subject to a law, binding scheme or contract which effectively upholds principles for fair handling of the information that are substantially similar to the Australian Privacy Principles; or
b) the individual consents to the transfer; or
c) the transfer is necessary for the performance of a contract between the individual and Champ, or for the implementation of pre-contractual measures taken in response to the individual’s request; or
d) the transfer is necessary for the conclusion or performance of a contract concluded in the interest of the individual between Champ and a third party; or
e) all of the following apply:
f) Champ has taken reasonable steps to ensure that the information which it has transferred will not be held, used or disclosed by the recipient of the information inconsistently with the Australian Privacy Principles.
12. SENSITIVE INFORMATION
Champ will not collect sensitive information about an individual unless:
a) the individual has consented; or
b) the collection is required by law; or
c) the collection is necessary to prevent or lessen a serious and imminent threat to the life or health of any individual, where the individual whom the information concerns:
If you believe that Champ has not complied with its obligations concerning your personal information, you should contact Champ and lodge a complaint. Champ will investigate your complaint and attempt to resolve any breach that may have occurred in relation to the collection, use or destruction of your personal information held by Champ in accordance with the Privacy Act 1988 and related legislation.
If you are not satisfied with the outcome of the investigation you can lodge a privacy complaint externally by contacting the Office of the Australian Information Commissioner on 1300 363 992.