Credit Reporting Policy

Adventure Online Pty Ltd

At Adventure Online, we believe in transparency and the protection of your financial integrity. This policy outlines our commitment to managing your credit-related personal information in strict accordance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code.

This document serves as a roadmap for how we handle your data when you engage with us for commercial credit.

1. The Scope of Information We Collect

To provide a seamless credit experience, we gather specific details regarding your financial identity. This includes:

i. Identification: Full name, contact details, and personal identifiers.

ii. Financial Footprint: Your history of credit applications, repayment patterns, and any recorded defaults.

iii. Public Records: Information regarding insolvency or credit-related court proceedings.

iv. External Insights: Data obtained from credit reporting bodies (CRBs) to help us form a complete picture of your creditworthiness.

2. How Your Data Enters Our System

We collect information through various professional channels to ensure accuracy:

i. Direct Interaction: Information you provide during the application process.

ii. Professional Partners: Details from your financial advisers, trade references, or other credit providers.

iii. Regulatory Sources: Government registers and third-party service providers acting on our behalf.

3. Our Purpose: Why We Process Your Data

We don’t just collect data; we use it to build a secure environment for commercial lending. Your information allows us to:

i. Evaluate Risk: Assess credit applications and guarantees fairly.

ii. Account Management: Monitor and manage active credit accounts.

iii. Security: Proactively prevent fraudulent activity.

iv. Obligation: Recover outstanding debts and remain compliant with Australian legal standards.

4. Strategic Disclosures & Partnerships

We collaborate with industry-leading bodies to maintain the health of our credit ecosystem.

Credit Reporting Bodies (CRBs)

We primarily exchange data with National Credit Insurance (Brokers) Pty Ltd. CRBs may use this data to create credit reports or for marketing pre-screening.

Your Protection: You have the right to request that CRBs:

i. Exclude your data from marketing lists.

ii. "Freeze" your file if you suspect identity theft or fraud.

Trade Insurers & Service Providers

We may share information with:

i. Trade insurers to secure our credit risks.

ii. Third-party specialists who assist us with debt collection, legal disputes, and technical account management.

5. Global Data Movement

While Adventure Online operates locally and does not routinely disclose your information to overseas recipients, some of our service providers or CRBs may:

i. Utilize international cloud infrastructure to store data.

ii. Process data through overseas technical support systems.

6. Safeguarding Your Information

Security is at the core of our operations. We employ robust technical and administrative measures to protect your data from loss, misuse, or unauthorized access. Once your information is no longer legally required or necessary for business, it is:

i. Securely destroyed.

ii. Permanently de-identified.

7. Your Rights: Access, Correction, & Integrity

You are in control of your information.

i. Access: You may request a copy of the credit-related information we hold about you at any time.

ii. Correction: If your data is inaccurate, out of date, or incomplete, we are committed to fixing it promptly.

iii. Resolution: If you have a concern, our Privacy Officer will acknowledge your query within 7 days and aim for a full resolution within 30 days.

Contact Our Privacy Officer

If you wish to exercise your rights or file a complaint, please reach out:

Email: [email protected]

Phone: +61 7 2111 8560

Mail: PO Box 3221, Darra QLD 4076