Privacy and Credit Reporting Policy

Purpose

The purpose of this document is to outline the Privacy and Credit Reporting Policy for Filton Packaging Pt Ltd.

Scope

This policy covers all Privacy and Credit Reporting Policy encompassing the site at Filton Packaging Pty Ltd site at 110-116 Williams Road, Dandenong South Vic 3175.

Reference:

  • Privacy Act 1988
  • Privacy Credit Reporting Code 2025
  • CreditorWatch
  • Australian Information Commissioner (OAIC)

Procedure:

Filton Packaging Pty Ltd ACN 156 147 367 (The Company, We, Us or Our) is committed to providing quality goods and services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information and Credit Related Information.

We will handle Personal Information and Credit Related Information in accordance with this Privacy and Credit Reporting Policy, the Privacy Act 1988 (Cth) (the Privacy Act) including the Australian Privacy Principles (APPs) contained in the Privacy Act and the Privacy Credit Reporting Code 2025 (CR Code). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/privacy/australian-privacy-principles

This Policy should be read in conjunction with the Privacy Statement and Consent we give to you which includes the Statement of Notifiable Matters.

What is Personal Information and Credit Related Information and why do we collect it?

Personal Information is information or an opinion about an identifiable individual or an individual who is reasonably identifiable. Examples of Personal Information we may collect from you include:

  • names, addresses, email addresses and phone numbers;
  • where applicable, details about your directors, trustees, and other representatives, such as their email addresses, phone numbers and driver’s licence details; and
  • financial information such as your bank account details.

The types of Credit Related Information we collect, and hold about you, includes:

  • information regarding the credit you apply for or obtain, for instance:
    • the type and amount of credit and the terms upon which credit is extended;
    • credit liability information;
    • repayment history information and default information; and
    • the date credit is obtained and the period for which it is obtained; and
  • information relating to your creditworthiness, for instance:
    • insolvency information;
    • credit infringement information; and
    • court judgements made in relation to your past or present credit arrangements.

We collect your Personal Information and Credit Related Information for the purposes of:

  • discussing our current or prospective commercial relationship with you including the preparation of quotes;
  • providing our goods and services to you;
  • to process and fulfil your order and to keep you informed about the status of your order;
  • to respond to your requests or queries or complaints;
  • to confirm your identity;
  • to register and maintain your account;
  • enforcing a contract you have entered into with us, such as our customer terms and conditions or any guarantee and indemnity, undertaking or warranty you have given us;
  • operating our website;
  • marketing, unless you unsubscribe from our mailing/marketing lists;
  • notifying you of changes to our goods and services or our website or to otherwise update you on matters relating to our business;
  • to operate, monitor, develop and improve our website;
  • to improve our products and services;
  • understanding customer trends and patterns;
  • assessing your application for credit;
  • reviewing existing credit terms;
  • assessing credit worthiness;
  • collecting overdue payments;
  • assessing credit guarantees (current and prospective);
  • internal management purposes; and
  • any other purpose related to the above purposes, or for other purposes to which you have consented.

We may be unable to provide you with our goods or services if you do not provide us with the Personal Information or Credit Related Information we require.

How do we collect and hold your Personal Information and Credit Related Information?

Where possible, we endeavour to collect your Personal Information and Credit Related Information directly from you, including:

  • when you have requested our goods and services to be provided to you;
  • when you enquire or communicate with us, in person, by telephone or email;
  • when you complete our credit application form, contract or other document prepared by us in relation to our goods and services;
  • when you use our website www.filtonpackaging.com.au;

We may also collect your Personal Information and Credit Related Information through:

  • credit reporting bodies;
  • from media and publications;
  • from other publicly available sources;
  • from third parties; and
  • in such other ways that are reasonably necessary for the operation of our business.

Generally, reports from credit reporting bodies will set out your credit history with other credit providers. We may also collect and hold scores, ratings, summaries, evaluations, and other information related to your creditworthiness as provided by credit reporting bodies or derived by us from information collected from these credit reporting bodies.

Disclosure of Personal Information and Credit Related Information

Your Personal Information and Credit Related Information may be disclosed in a number of circumstances including the following:

  • to third parties where required to provide you with our goods or services or you otherwise consent to the use or disclosure;
  • to our related entities (who may use and disclose the information in the same manner we can);
  • any third parties to whom you have directed us to disclose to (e.g. referees);
  • our professional advisors, debt collection agencies and credit reporting bodies; and
  • where required or authorised by law.

Our Credit Reporting Bodies

You may contact the credit reporting bodies we use and obtain a copy of their policies as they relate to the management of your credit related personal information through the following details:

CreditorWatch

Address: GPO Box 276 Sydney NSW 2001
Email: privacy@creditorwatch.com.au
Phone: 1300 50 13 12
Website: www.creditorwatch.com.au

Do we send your Personal Information and Credit Related Information to countries outside of Australia?

We may disclose your Personal Information and Credit Related Information to recipients outside of Australia. As of the date of this Policy, the overseas recipients are located in Philippines, Kenya. When we disclose your Personal Information and/or Credit Related Information to overseas recipients, we will take reasonable steps to ensure that such overseas recipients comply with the Australian Privacy Principles.

Security of Personal Information and Credit Related Information

Your Personal Information and Credit Related Information is typically stored electronically in a manner that reasonably protects it from misuse and loss and from unauthorised access, modification, or disclosure.

There are risks associated with the transmission of information via the Internet and data security measures can never be guaranteed. While we take steps to protect your information, we cannot guarantee its security. If you suspect any misuse, loss, unauthorised access, modification or disclosure of your information, please contact us immediately.

When your Personal Information or Credit Related Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information or Credit Related Information (as relevant). However, most of the Personal Information and Credit Related Information is or will be stored in client files which will be kept by us for a minimum of 7 years.

Access to your Personal Information and Credit Related Information

You may access the Personal Information or Credit Related Information we hold about you and update and/or correct it. If you wish to access your Personal Information or Credit Related Information, please contact us in writing.

The Company may charge an administrative fee for reasonable expenses that we incur in preparing and providing a copy of your Personal Information or Credit Related Information.

In order to protect your information, we may require identification from you before releasing the requested information.

Maintaining the Quality of your Personal Information and Credit Related Information

It is important to us that your Personal Information and Credit Related Information is up to date. We will take reasonable steps to make sure that your Personal Information and Credit Related Information is accurate, complete and up-to-date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Privacy Policy Complaints and Enquiries

If you:

  • have any questions about this Policy;
  • wish to request access to any of your information that we hold;
  • wish to be de-identified, or have your information deleted;
  • wish to correct or update your information; or
  • wish to make a complaint or discuss any other privacy concerns you may have,

please contact us at:

Tel: 03 9702 4329
Email: hello@filtonpackaging.com.au
Address: 110-116 Williams Road Dandenong South Victoria 3175

If we receive a complaint, we will endeavour to work with you to resolve the matter. The steps we may take to resolve the matter include:

  • request further information from you in order to investigate the complaint and determine an appropriate solution;
  • discuss options for resolution with you; and
  • where necessary, we will conduct an investigation and endeavour to do so within a reasonable time.

If you are not satisfied with our response to your complaint, you may wish to contact the Office of Australian Information Commissioner (OAIC). For more information, please see their website https://www.oaic.gov.au/about-us/contact-us