Privacy Policy of National Credit Insurance (Brokers) Pty Ltd

(ABN 68 008 090 702)

1. Introduction
   
   
   1. National Credit Insurance (Brokers) Pty Ltd ABN 68 008 090 702 ("NCI") has a commitment to privacy in accordance with the Privacy Act 1988 (Cwth) (Privacy Act) and the guidelines and policies of the Australian Privacy Commissioner. This Privacy Policy is provided to make you aware of how NCI collects, uses and manages personal information.
      
      
   2. "Personal information" means information or an opinion recorded about an individual that makes the individuals identity reasonably apparent or ascertainable. NCI views the privacy of personal information as an important issue.
      
      
   3. In making this Privacy Policy, NCI does so on the basis that this policy does not replace or limit the requirements of the Privacy Act.
      
      
2. Manner and purpose of collection of personal information
   
   
   1. NCI will only collect personal information that is directly related to and necessary for our dealings with that individual or in relation to the amount of credit risk in relation to credit being provided to a company with whom the relevant individual is associated. The type of information NCI collects includes, but may not be limited to the types of information referred to in section 18E of the Privacy Act, information you provide to us at our request, your name and address and, when you use our web site, your domain name, e-mail address, and information on what pages you access.
      
      
   2. NCI will only use the personal information for the purposes of providing advice and information to support our customer's needs. These include debtor risk analysis, credit limit assessment and opinions, financial analysis, debt collection and debtor monitoring. Personal data that relates to these activities is only collected and used where we have the written consent of the debtor unless:
      
      
      • the relevant individual has consented to us using his or her personal information for other purposes; or
        
        
      • its use for another purpose is required or permitted by law.
        
        
3. Accuracy and completeness of personal information
   
   
   1. While NCI will endeavour to ensure that the personal information collected from an individual is up to date and complete, NCI will assume that any personal information provided by you is free from errors and omissions, is not misleading or deceptive and complies with all relevant laws.
      
      
   2. NCI relies on the personal information provided by you. NCI will not check or verify the accuracy of any personal information it obtains from you or other persons.
      
      
   3. You should provide NCI with details of any changes to your personal information as soon as reasonably practicable following such change.
      
      
   4. In some instances, the personal information held by NCI about you may incorporate or summarise views, guidelines or recommendations of third parties. NCI will endeavour to assemble and record such personal information in good faith, but cannot guarantee that it will necessarily involve a considered review of the information.
      
      
4. Distribution of your personal information
   
   
   1. NCI does not permit the personal information it holds to be distributed to third parties unless:
      
      
      • it is to a third party which agrees to appropriate privacy restrictions with NCI
        
        
      • the relevant individual has consented or requested his or her personal information to be provided to a third party; or
        
        
      • NCI is required or permitted by law to provide information to a third party.
        
        
5. Accessing your personal information
   
   
   1. If you wish to access your personal information held by NCI, or complain about possible breaches of privacy, you should direct enquires to:
      
      Privacy Officer
      National Credit Insurance (Brokers) Pty Ltd
      [ PO Box 3315 Rundle Mall, Adelaide SA 5000 ]
      [ 08 8228 4800 ]
      [ 08 8223 4554 ]
      
      
   2. The Privacy Officer will endeavour to deal with your inquiry or complaint as soon as is reasonably practicable.
      
      
6. Cookies
   
   A cookie is a data file that a web-site transfers to your hard drive. This enables the web-site to track the pages you have visited. A cookie only contains information you supply. It cannot read data on your hard drive. The NCI web-site uses cookies. You can set your browser to refuse cookies, however, this may mean you are unable to take full advantage of our web-site.
   
   
7. Variation of Privacy Policy
   
   NCI may vary the terms of this Privacy Policy from time to time.
   
   January 2009/b>