The type of personal information collected will be directly related to the specified purpose it has been collected for. How much of your personal information that you choose to disclose to us is completely up to you. The only way we know something about you personally is if you provide it to us. However, failure to provide certain information may result in Pact being unable to provide you with the relevant product or service. We will make you aware of the purpose for which we collect the personal information and, where possible, the consequences of not providing it at the time of collection.
Pact does not generally collect sensitive information as defined under the Privacy Act, such as racial or ethnicity information, political opinions or associations, criminal records or health information. However, subject to obtaining your prior consent, we may collect sensitive information from you in the course of considering an application for employment.
Where unsolicited information is received by us we will determine, within a reasonable period of time, whether or not we would be permitted to collect the information under the APPs. If it would not be permitted for us to collect the information, we will destroy the information or ensure it is de-identified as soon as practicable. Otherwise, we may retain the information in accordance with the terms of this policy.
We may also collect information about visitors to our website(s). For example, we may collect:
However, we do not collect information about the identity of the visitors unless they voluntarily provide that information.
This personal information will only be collected through lawful and fair means and not in an unreasonably intrusive way.
Pact collects your personal information when you deal with us directly, including via our website(s), via forms or correspondence (ie by mail or email), over the phone or in person.
We may also collect personal information through our related bodies corporate and our third party service providers (such as data relating to survey responses) so that we may provide a better or more relevant product or service to you.
Pact will only use your personal information for the purpose of direct marketing activities where we have obtained your consent to do so, or in circumstances where we have collected the information directly from you and you would reasonably expect that your personal information would be used or disclosed for this purpose. We may also share your personal information with our related entities, so that they can provide you directly with marketing material about their products and services.
Pact will provide you with the opportunity to “opt out” of receiving marketing materials at the time of collection and/or at any time afterwards by either unsubscribing from the email service or contacting our Privacy Officer via the contact details provided below.
Pact gathers anonymous information to:
There will be occasions where it will be necessary for Pact to disclose your personal information to third parties.
Pact may disclose your personal information to:
Other than as stated above, we do not disclose personal information that you may give us to any organisation or person outside of Pact unless you have authorised us to do so.
Under no circumstances will Pact sell or receive payment for licensing or disclosing your personal information.
The security of your information is important to us. Pact operates secure data networks that are designed to protect your privacy and security. When we have collected information about you it cannot be seen or modified by anyone else. Pact has implemented generally acceptable standards of technology and operational security to ensure personal information (in both physical and electronic form) is protected against loss, misuse, interference and unauthorised access.
Only authorised Pact personnel and contractors are provided access to personal information and have agreed to ensure the confidentiality of this information. Reasonable steps are taken to destroy or permanently de-identify any personal information that is no longer required.
We review and update our security measures in light of current technologies. You should however be aware that the internet is not a secure environment and information sent via the internet (including email) cannot be guaranteed to be totally secure.
If you have an online account with us to access one of our online services or products or loyalty programs, you may access your personal information at any time by accessing your subscriber/ account details via the relevant facility on our websites.
Otherwise, you may at any time, request access to personal information that Pact holds about you by making a request to our Privacy Officer at the address or email address below. We will endeavour to process any requests for access to personal information within a reasonable period of time. Where possible, we will provide you with access to that information either by providing you with copies of the information requested, allowing you to inspect the information requested, or providing you with a summary of the information held. If we need to deny your request for access we will let you know why and inform you how you may lodge a complaint regarding this decision.
Generally, this will only be in cases where providing access would be unlawful or is subject to a potential legal claim or proceeding. Pact may charge a nominal fee for supplying personal information.
We will try to ensure that all information we collect, use or disclose about you is accurate, complete, up-to-date and relevant to the service or products being provided.
If you have an online account with us to access one of our online services or products, you may change your personal information at any time by accessing your subscriber/account details via the relevant facility on our website(s).
Otherwise, if you discover or suspect that there is an error or information is missing, please forward your request for correction to our Privacy Officer in writing at the address or email address below. Our Privacy Officer will consider your request as soon as practicable, manage the correction of your personal information and will update you in writing. If your correction request is refused, our Privacy Officer will provide you within a reasonable period of time the reasons for such refusal and inform you of the complaint process (see below).
If you have any complaints relating to the management of your personal information or if you believe there has been a breach of the APPs by Pact, please forward your complaint in writing to our Privacy Officer at the address or email address below.
If a breach is of such a nature that Pact is required under the Privacy Act to notify you or the Office of the Australian Information Commissioner, Pact will provide this notice in accordance with the Privacy Act.
If you are still not satisfied after lodging a complaint with us and given us a reasonable time to respond, then we suggest that you contact the Office of the Australian Information Commissioner by:
Please contact our Privacy Officer on the contact details below if you would like to:
Post: Privacy Officer, Pact Group Holdings Limited,
Building 3, 658 Church Street, Cremorne VIC 3121
Telephone: 03 8825 4100
Facsimile: 03 9815 8388
"Personal information" has the same meaning as in the Privacy Act.
"Website(s)" refers to all websites which are owned, operated or under the control of Pact including https://pactgroup.com.au/
For more information about your privacy rights in Australia, visit the Office of the Australian Commissioner’s website, www.oaic.gov.au
Pact provides 'commercial credit' for the purposes of the Privacy Act to businesses who apply for credit in relation to our goods and services.
We do not provide any consumer credit. References to "you" and "your" in this credit reporting policy are references to individuals in relation to whom we hold credit information or credit eligibility information for the purposes of the Privacy Act in connection with such credit. This policy provides details about our management of such information.
"Credit information" relates mainly to your credit-related dealings with us and comprises various types of information collected by credit reporting bodies (“CRBs”) that report on credit worthiness. We may collect or generate various categories of ‘credit information’ about you.
We may also collect “credit eligibility information” about you, which is mostly information provided by CRBs relating to your dealings with other credit providers (for example, financial institutions that provide you with loans or other businesses that provide you with credit in connection with their products or services).
"Credit information" and "credit eligibility information" may include:
Credit eligibility also includes credit worthiness information that we may derive from data we receive from a CRB, such as a credit risk score. We may collect credit information about you in any of the circumstances described above under the heading “How we collect your personal information” above. We collect credit eligibility information from CRBs but may collect it from other third parties where permitted by the Privacy Act (such as from other credit providers with your consent).
Our use and disclosure of credit eligibility information is regulated by provisions of Part IIIA of the Privacy Act and the Credit Reporting Privacy Code. We will only use or disclose such information for purposes permitted by these provisions, such as:
To request correction of, or access to, your credit eligibility information please see the heading "Correction and access" above
If at any time you would like to make a complaint about whether we have complied with Part IIIA of the Privacy Act or with the Credit Reporting Privacy Code please contact our Privacy Officer at the address or email in the “Contact Privacy Officer” section above, so that we may resolve your concerns. If you make such a complaint, we will write to you as soon as possible acknowledging that we have received your complaint and setting out how we will deal with it. We will endeavour to investigate and resolve your complaint within a reasonable period of time. We may need to consult with a CRB or another credit provider to do so. If we need more than 30 days to resolve your complaint, we will advise you of the reasons for the delay and ask for your consent to extend this day period.
Document applies to Pact Group Holdings Ltd
Document owner Company Secretary
Document approved / adopted by Board of Directors
Version number 1.1
Adoption date September 2017
Building 3, 658 Church St
Cremorne, VIC, 3121
Ph: (03) 8825 4100
Fax: (03) 9815 8388
The Pact Group website and its contents (the “Site”) is owned and operated by Pact Group Pty Ltd A.B.N. 15 107 959 900 of Building 3, 658 Church Street, Cremorne, Melbourne, Victoria 3121, Australia (“Pact Group”).
Pact Group seeks to provide consumers with an informative and interesting site full of details about new and current Pact Group products.
At all times Pact Group will use its reasonable endeavours to ensure that all information is accurate. The site will be updated regularly by the Pact Group sales and marketing teams. However Pact Group provides no warranties in regard to the accuracy of the information.
Pact Group, and any of its associated companies will not be liable for any direct, incidental, consequential, indirect or punitive damages, costs, losses or liabilities whatsoever arising from use of this site. This disclaimer includes any damages, losses, costs or liabilities arising from a virus that is activated as a result of access or use of this site.