1. Your rights in relation to privacy

KJ Accounting & Business Solutions understands the importance of protecting the privacy of an individual’s personal information. This policy sets out how KJ Accounting & Business Solutions aims to protect the privacy of your personal information, your rights in relation to your personal information managed by KJ Accounting & Business Solutions and the way KJ Accounting and Business Solutions collects, holds, uses and discloses your personal information.

In handling your personal information, KJ Accounting & Business Solutions will comply with the Privacy Act 1988 (Cth) (Privacy Act). This policy may be updated from time to time.

Personal information is information or an opinion about an identified, or reasonably identifiable, individual. During the provision of its products and/or services, KJ Accounting & Business Solutions may collect your personal information.

Generally, the kinds of personal information KJ Accounting & Business Solutions collects are:

(a) contact and identification information such as your name, address, date of birth, telephone number and email address;

(b) information relating to your interests;

(c) where you are acting on behalf of another entity (whether as an employee, director or other representative), details of that entity and your relationship with it;

(d) financial information about your assets, occupation and income, account balances, account activities, payment history and transactions with us or third parties;

(e) details of directorships, shareholdings or other investments you hold;

(f) credit information, being credit related personal information lawfully created and accessible within the Australian credit reporting system, including:

1. identification information;

2. whether you have or have not met any repayment obligations;

3. whether you have defaulted on a payment (ie. a payment that is at least 60 days overdue and over $150 in value) provided KJ Accounting & Business Solutions has notified you in accordance with the Privacy Act;

4. whether you have paid any amount previously reported as being in default;

5. that another credit provider has sought credit-related personal information about you from a credit reporting body;

6. information about the types of consumer or commercial credit, and the amounts of credit, you have sought from a credit provider;

7. information about court proceedings related to credit provided to you or for which you have applied;

8. personal insolvency information and other publicly available information relating to your credit worthiness;

9. a credit provider’s reasonable belief that you have committed a serious credit infringement; and

10. any other information lawfully obtainable within the Australian credit reporting system;

(g) credit eligibility information which is credit-related information about you that KJ Accounting & Business Solutions obtains from a credit reporting body such as Equifax Pty Ltd (Equifax) and Dun and Bradstreet (DNB)(the details of which are set out in paragraph 5), together with information KJ Accounting & Business Solutions derives from such information based on its own analysis including internally generated scores, ratings and other assessments used to evaluate your credit worthiness; and

(h) sensitive information including health information and criminal record information where you are applying for a position with KJ Accounting & Business Solutions and it is relevant to the recruitment process through which you must progress.

In some circumstances KJ Accounting & Business Solutions may also hold other personal information provided by you.

Generally, KJ Accounting & Business Solutions collects your personal information directly from you, through the completion of a manual or online form, an interaction or exchange in person or by way of telephone, facsimile, email, post or through the use of the KJ Accounting & Business Solutions website. There may be occasions when KJ Accounting & Business Solutions collects your personal information from other sources such as from:

(a) an entity you represent (including but not limited to your employer or a company of which you are a director), where necessary for KJ Accounting & Business Solutions to provide its products and/or services to that entity through you;

(b) the completion of an application form by another person or entity that lists you as a director, guarantor, potential guarantor or trade reference;

(c) Equifax, DNB or other credit reporting body;

(d) other credit providers;

(e) an information services provider;

(f) a publicly maintained record or other publicly available sources of information including social media and similar websites;

(g) KJ Accounting & Business Solutions own records about you, from which KJ Accounting & Business Solutions may internally generate its own scores, assessments or deductions, particularly in relation to your credit worthiness;

(h) if for recruitment purposes, an external recruitment or background screening services provider or a health service provider to obtain, where necessary and relevant, health information; or

(i) a government agency.

Generally, KJ Accounting & Business Solutions will only collect your personal information from sources other than you if it is unreasonable or impracticable to collect your personal information from you.

KJ Accounting & Business Solutions may also collect information about the way you use our website including through the use of ‘cookies’. Cookies are small files that assist us to identify website user preferences so that we can enhance and tailor your experience of our website. Sometimes cookies result in the collection of personal information. You may disable the use of cookies through your internet browser.

KJ Accounting & Business Solutions collects, holds, uses and discloses your personal information where it is reasonably necessary for the purposes of:

(a) providing to you our products and/or services;

(b) responding to your requests;

(c) providing you with further information about KJ Accounting & Business Solutions;

(d) identifying and informing you of products, services and events of KJ Accounting & Business Solutions or selected third parties that may be of interest you;

(e) assessing an application for, and if successful, administering, a consumer or commercial credit account with KJ Accounting & Business Solutions (including assessing your application to act as a guarantor in relation to the credit);

(f) accounting, billing and other internal administrative purposes;

(g) assessing your application for employment with KJ Accounting & Business Solutions or otherwise for the purpose of engaging you as a contractor or consultant; and/or

(h) any other legal requirements.

KJ Accounting & Business Solutions may also use your personal information for purposes related to the above purposes and for which you would reasonably expect KJ Accounting & Business Solutions to do so in the circumstances, or where you have consented or the use is otherwise in accordance with law.

Where personal information is used or disclosed, KJ Accounting & Business Solutions takes steps reasonable in the circumstances to ensure it is relevant to the purpose for which it is to be used or disclosed. You are under no obligation to provide your personal information to KJ Accounting & Business Solutions. However, without certain information from you, KJ Accounting & Business Solutions may not be able to provide its products and/or services to you.

KJ Accounting & Business Solutions discloses your personal information for the purpose for which KJ Accounting & Business Solutions collects it. That is, generally, KJ Accounting & Business Solutions will only disclose your personal information for a purpose set out at paragraph 4. This may include disclosing your personal information to:

(a) members of the KJ Accounting & Business Solutions;

(b) third parties engaged to perform administrative or other business management functions, including debtor management;

(c) people or entities considering acquiring an interest in KJ Account & Business Solution’s enterprise or assets;

(d) KJ Accounting & Business Solutions professional advisors, contractors, consultants and related bodies corporate;

(e) mailing houses;

(f) debt collectors and credit management agencies;

(g) third parties who act as guarantors in relation to credit we provide to you;

(h) insurance providers; and

(i) regulatory bodies if and as necessary.

KJ Accounting & Business Solutions may also disclose your personal information, including your credit information, to lenders, other credit providers and the credit reporting bodies, Equifax and DNB (contactable on the details set out below). In particular, KJ Accounting & Business Solutions may disclose to Equifax or DNB information about you failing to meet your payment obligations or if you commit a serious credit infringement. Equifax or DNB may include any information provided to it by KJ Accounting & Business Solutions in reports that it provides to other credit providers for the purpose of such credit providers assessing your credit worthiness.

KJ Accounting & Business Solutions disclosures of your personal information to third parties are on a confidential basis and/or otherwise in accordance with law. KJ Accounting & Business Solutions may also disclose your personal information with your consent or if disclosure is required or authorised by law.

Equifax and DNB’s privacy policies on their management of credit related personal information can be accessed through their respective websites at: http://www.equifax.com.au/privacy and http://dnb.com.au/privacy-policy.html

Equifax can be contacted in accordance with its privacy policy and/or at:

Equifax Australia Personal Solutions Pty Ltd

PO Box 964

NORTH SYDNEY NSW 2059

or otherwise through the ‘contact us’ form at https://www.equifax.com.au/contact.

DNB can be contacted in accordance with its privacy policy and/or at:

Dun and Bradstreet (Australia)

PO Box 7405 St Kilda Road

MELBOURNE VIC 3004

KJ Accounting & Business Solutions may disclose personal information to overseas recipients in order to provide our products and/or services. KJ Accounting & Business Solutions may also store, process or back-up your personal information on computer servers or networks which are located overseas or in the cloud, including where services are performed by service providers who are located overseas.

It is not practicable to list all countries in which recipients may be located, however, KJ Accounting and Business Solutions will only disclose your personal information to an overseas recipient where reasonably necessary in order to provide its products and/or services and for administrative, data storage or other business management purposes.

Overseas recipients may have different privacy and data protection standards. However, before disclosing any personal information to an overseas recipient, KJ Accounting & Business Solutions will take steps reasonable in the circumstances to ensure the overseas recipient complies with the Australian Privacy Principles or is bound by a substantially similar privacy scheme unless you consent to the overseas disclosure or it is otherwise required or permitted by law. If you have any queries or objections to such disclosures, please contact KJ Accounting & Business Solutions as set out in paragraph 11.

KJ Accounting & Business Solutions may use and disclose your personal information in order to inform you of products and services that may be of interest to you. In the event you do not wish to receive such communications, you can opt out by contacting KJ Accounting & Business Solutions via the contact details set out in paragraph 11 or through any opt out mechanism contained in a marketing communication to you. KJ Accounting & Business Solutions will not use or disclose credit-related personal information for direct marketing purposes.

KJ Accounting & Business Solutions takes steps reasonable in the circumstances to ensure that the personal information it holds is protected from misuse, interference and loss and from unauthorised access, modification or disclosure. KJ Accounting & Business Solutions holds personal information in both hard copy and electronic forms in secure databases on secure premises, accessible only by authorised staff. Credit eligibility information, such as information KJ Accounting & Business Solutions receives from Equifax and DNB for the purpose of assessing credit worthiness, is stored through equally secure methods.

KJ Accounting & Business Solutions will destroy or de-identify personal information in circumstances where it is no longer required, unless KJ Accounting & Business Solutions is otherwise required or authorised by law to retain the information.

If you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud, you may request Equifax or DNB not to use or disclose credit related personal information they holds about you by contacting Equifax or DNB on the details set out in paragraph 5.

KJ Accounting & Business Solutions takes steps reasonable in the circumstances to ensure personal information it holds is accurate, up-to-date, complete, relevant and not misleading. Under the Privacy Act, you have a right to access and seek correction of your personal information that is collected and held by KJ Accounting & Business Solutions. If at any time you would like to access or correct the personal information that KJ Accounting & Business Solutions holds about you, or you would like more information on KJ Accounting & Business Solutions’ approach to privacy, please contact KJ Accounting & Business Solutions’ via the details set out in paragraph 11 below. KJ Accounting & Business Solutions will grant access to the extent required or authorised by the Privacy Act or other law and take steps reasonable in the circumstances to correct personal information where necessary and appropriate.

Where necessary to resolve a request for correction of your credit related personal information, KJ Accounting & Business Solutions may also consult with other relevant entities, including but not limited to Equifax and DNB. KJ Accounting & Business Solutions use or disclosure of your credit related personal information for correction purposes is permitted by the Privacy Act.

To obtain access to your personal information:

(a) you will have to provide proof of identity to ensure that personal information is provided only to the correct individuals and that the privacy of others is protected;

(b) KJ Accounting & Business Solutions requests that you be reasonably specific about the information you require; and

(c) KJ Accounting & Business Solutions may charge you a reasonable administration fee, which reflects the cost to KJ Accounting & Business Solutions, for providing access in accordance with your request.

Alternatively, if you would like to access personal information held about you by Equifax, please contact Equifax or DNB on the contact details set out in paragraph 5.

KJ Accounting & Business Solutions will endeavour to respond to your request to access or correct your personal information within 30 days from your request. If KJ Accounting & Business Solutions refuses your request to access or correct your personal information, KJ Accounting & Business Solutions will provide you with written reasons for the refusal and details of complaint mechanisms. KJ Accounting & Business Solutions will also take steps reasonable in the circumstance to provide you with access in a manner that meets your needs and the needs of KJ Accounting & Business Solutions. If you are dissatisfied with KJ Accounting & Business Solutions’ refusal to grant access to, or correct, your credit related personal information, you may make a complaint to the Office of the Australian Information Commissioner.

Please direct all privacy complaints to the Kristy Laslett. At all times, privacy complaints:

(a) will be treated seriously;

(b) will be dealt with promptly;

(c) will be dealt with in a confidential manner; and

(d) will not affect your existing obligations or affect the commercial arrangements between you and KJ Accounting & Business Solutions.

Specifically, if your complaint relates to credit related personal information and/or KJ Accounting & Business Solutions failure to comply with its obligations regarding credit related personal information under the Privacy Act and/or the Credit Reporting Code:

(a) KJ Accounting & Business Solutions will acknowledge your complaint within 7 days of receipt and endeavour to resolve it within 30 days, unless KJ Accounting & Business Solutions informs you otherwise and seeks your agreement in writing;

(b) KJ Accounting & Business Solutions may consult with relevant third parties, such as Equifax, DNB or other credit providers, in order to sufficiently and expeditiously resolve the complaint; and

(c) if your complaint relates to KJ Accounting & Business Solutions refusal to provide access to, or correct, your credit related personal information, you may complain directly to the Office of the Australian Information Commissioner.

KJ Accounting & Business Solutions will commence an investigation into your complaint. You will be informed of the outcome of your complaint following completion of the investigation. In the event that you are dissatisfied with the outcome of your complaint, or an extension to the time in which KJ Accounting & Business Solutions will resolve it, you may refer the complaint to the Office of the Australian Information Commissioner.

For further information or enquiries regarding your personal information, please contact Kristy Laslett at KJ Accounting & Business Solutions.