Brighte Statement of Notifiable Matters (Credit Reporting)
About this Statement of Notifiable Matters
This Statement of Notifiable Matters sets out information about how Brighte Capital Pty Limited ACN 609 165 906 (‘Brighte’, ‘us’, ‘we’ or ‘our’) manages credit applicants’ personal and credit related information, and of certain rights that credit applicants have under the Privacy Act 1998 (Cth) (‘Privacy Act’) and the Privacy (Credit Reporting) Code 2014 (‘CR Code’). Please see our Credit Reporting Policy for further information about how you can access and correct credit information and credit eligibility information that we may hold about you, and how you can make a complaint.
Credit reporting bodies
If you apply for or take out a credit product with us either as a borrower or guarantor, we may disclose your personal information to or collect your personal information from Equifax, who is a Credit Reporting Body (‘CRB’). We may also do this if you apply for an increased credit limit.
We use information that we collect from Equifax to provide and manage your credit services, and to assess your credit worthiness.
Examples of personal information we may collect from or disclose to Equifax include:
- default information if you fail to meet consumer credit payment obligations;
- information about your payment of outstanding defaults; and
- details of serious credit infringements committed under a consumer credit product.
Equifax may include the personal information we supply to them to other lenders to assist the other lenders assess an individual’s credit worthiness.
You may contact Equifax to obtain its policy on how it manages your credit-related personal information using the contact details below:
Equifax Australia Information Services & Solutions Pty Limited (ACN 000 602 862) (‘Equifax’)
Address: PO BOX 964 NORTH SYDNEY NSW 2059
Phone: 1300 850 211
Disclosing credit related information offshore
If you believe on reasonable grounds that you have been or are likely to be a victim of fraud, you may request a CRB not to use or disclose credit reporting information about you. You may also request that a CRB not use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider.
Accessing and editing credit related personal information
You may request access to, and seek the correction of, the credit-related personal information that we hold about you.
Complaints or further information
If you have a complaint about how we handle your credit-related personal information under the Privacy Act or the CR Code, would like to know how we handle complaints, would like further information or a free copy of our Credit Reporting Policy, or would like a copy of this Statement of Notifiable Matters in an alternative form (such as a hard copy), you may contact the Brighte Privacy Officer at:
The Privacy Officer
Brighte Capital Pty Limited
Phone: 1300 274 448
Mail: Level 6, 56 Pitt Street Sydney NSW 2000
This Statement of Notifiable Matters was last updated on 05/12/2017 and is subject to change.