Credit Privacy Policy

Goodyear and Dunlop Tyres (Aust) Pty Limited (GDTA) is committed to protecting the privacy of personal information.  "Personal information" is any information that identifies an individual or that can reasonably enable their identification.

1.    Scope of this policy

This credit privacy policy applies to current and former credit customers of GDTA and its related entities within Australia, as well as to other relevant individuals we deal with in connection with credit we provide (such as guarantors and directors).

This credit privacy policy applies in addition to the GDTA Privacy Policy.  We recommend you read this credit privacy policy in conjunction with the GDTA Privacy Policy, which is available here, http://www.goodyear.com.au/privacy-policy/


2.   
Status and nature of this policy 

This policy explains how GDTA and its related entities within Australia deal with certain types of credit-related personal information (credit information) which is regulated by the Privacy Act 1988, including the Australian Privacy Principles and the Credit Reporting Privacy Code (Australian privacy laws).  This policy details the types of credit information we collect, how we may use that information and who we disclose it to. 

In addition to this credit privacy policy we will on occasion provide specific statements about how we use particular credit information that we collect. 

If you have any questions relating to this credit privacy policy please contact our Privacy Officer (contact details provided below).  

 

3.    The Credit Reporting System

If an individual, or company of which an individual is a director, applies to us for a Commercial Credit Account (credit terms) in connection with the supply of goods under our Trading Terms and Conditions of Trade (or an individual applies to us to provide a guarantee for credit terms) we may obtain a consumer credit report or commercial credit report about the individual from a credit reporting body when the Australian privacy law permits us to do so.

We may also obtain a consumer credit report or commercial credit report about an individual from a credit reporting body when the Australian privacy law permits us to do so, if an individual, or company of which an individual is director, has been provided with credit terms, or has provided a guarantee for credit terms. 

When we request a credit report from a credit reporting body, we will provide information to the credit reporting body that identifies the individual, and we may give information about the credit terms, including the type and amount of credit.

4.    What types of credit information we collect

The types of credit information about an individual that we collect includes:

  • information contained in credit reports obtained from credit reporting bodies, which includes information about  consumer and commercial credit history with other credit providers
  • identification information, including current and prior names and addresses, any known alias, date of birth, gender,  current or last known employer and driver’s licence number
  • bank account details
  • financial information
  • court proceedings information, which includes information about a judgement against an individual that relates to any credit that has been provided to, or applied for, by the individual
  • personal insolvency information
  • certain publicly available information
  • scores, ratings, summaries, evaluations and other information relating to an individual’s credit worthiness which is derived by us or by credit reporting bodies wholly or partly from any of the information above

5.    How we collect and hold credit information

We collect credit information about individuals as much as possible directly from them. We may do so when they complete our forms, call us, email us or otherwise during the course of our relationship with them.  For example, we collect information internally about individuals’ payment performance when we have provided credit terms to them.

We also collect credit information about individuals from other sources, including from:

  • consumer credit reporting bodies
  • organisations who provide commercial credit reports
  • other credit providers
  • publicly available sources

An individual need not provide us with credit information if we request it from them, but it may affect our ability to provide them with products, services or further information they have requested.

We, or our related entities or service providers on our behalf, may hold credit information about individuals in computer systems, electronic form, digital records, telephone recordings or in paper files.


6.    Why we collect, use and disclose of credit information

We may collect, hold, use and disclose individuals’ credit information as reasonably necessary for our business purposes and as permitted by law.  Our purposes may include to:

  • assess whether to provide an individual, or an associated entity, with credit or to accept an individual as a guarantor for credit applied for by another person
  • derive scores, ratings, summaries and evaluations relating to an  individual’s credit worthiness (which are used in our decision-making processes and ongoing reviews)
  • manage credit we provide
  • develop our products and  services and to maintain and develop our systems and infrastructure
  • enable us to participate in the credit reporting system and provide information to credit reporting bodies as permitted by the Australian privacy laws
  • assign debts
  • collect overdue payments
  • undertake debt recovery and enforcement activities, including in relation to guarantors
  • deal with complaints and meet legal and regulatory requirements
  • assist other credit providers.

Some credit information may only be used or disclosed under Australian privacy laws for some of these purposes or in some circumstances.

We may also collect or disclose credit information about individuals from or to any entity where that collection or disclosure is required or authorised by law.

We may also disclose an individual’s credit information on a confidential basis to related entities of GDTA within and outside Australia, our agents, contractors or third party service providers that provide financial, legal, administrative or other services required in connection with the operation of our business.

We may also use or disclose credit information for any other purposes disclosed at or around the time we collect the credit information. 

7.    Overseas disclosure

GDTA is part of Goodyear Incorporated group, which is a global organisation. For the purposes explained in this policy, credit information may be disclosed overseas to our related entities (including service providers operating on their behalf) and other third parties.

We only disclose credit information to our related entities and service providers overseas when it is necessary for the services they provide to us.  The third parties to whom we disclose credit information will only use that credit information as necessary to provide their services to us. 

We currently disclose credit information about individuals to a related entity located in the Philippines who provides services to us. 

From time to time we may need to disclose credit information to parties in other countries. This will be on an ad hoc or case by case basis and for the purposes for which we collected the credit information.

8.    Information security

We take reasonable steps to protect credit information from misuse, loss, unauthorised access, modification or disclosure. 

Credit information is stored securely whether in an electronic or physical form.  For example, only staff needing access to the credit information are allowed access.  Credit information is stored in secured premises or in electronic databases requiring logins and passwords.


9.    Access and correction

An individual can request access at any time to credit information we hold about them.  We will process their request within a reasonable time.  There is no fee for requesting access to their information, however we may charge them the reasonable cost of processing their request.  An individual may ask us at any time to correct credit information held by us about them, which they believe is incorrect or out of date. 

We try to ensure that all credit information we hold about an individual, which we collect, use or disclose is accurate, complete, up to date and relevant.


10.  Complaints

If an individual is concerned that we have not complied with our obligations that apply to dealing with credit information under Australian privacy laws, they may bring a complaint internally through our complaints process.

An individual can make a complaint through our internal complaints process by contacting us at the details set out in section 11 of this policy.  Complaints will be taken seriously and will be assessed by or Privacy Officer and Legal Counsel with the aim of resolving any issue in a timely and efficient manner.  We will need the individual to cooperate with us during this process and provide us with relevant information we may require.

We expect our procedures will deal fairly and promptly with complaints.  However, if an individual remains dissatisfied, they can also make a formal complaint to the Office of the Australian Information Commissioner (www.oaic.gov.au) (which is the regulator responsible for privacy in Australia).


11.  Contact details

If you have any questions or concerns about our privacy policy or practices, please contact:

 

Privacy Officer

Goodyear Dunlop Australia Pty Limited,
Locked Bag 150

St Kilda Rd

Melbourne, Victoria, 8008

Telephone: (03) 8416 6216

Email: privacyofficera-nz@goodyear.com.au

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