PRIVACY AND CREDIT REPORTING POLICY

Your privacy is important

This Privacy and Credit Reporting Policy outlines how Al.ive Body Pty Ltd (ACN 635 011 960) (“we”, “us” or “our”) collects, uses, holds and discloses personal information in accordance with the Australian Privacy Principles (“APPs”) contained in the Privacy Act 1988 (Cth) (“Privacy Act”), and, where applicable, Part IIIA of the Privacy Act relating to credit reporting.

The kinds of personal information we collect and hold

We collect and hold personal information about customers, suppliers, job applicants, staff members, contractors, people who are interested in the goods and/or services that we or our related entities offer, and other individuals who come into contact with us (“you”).

The kinds of personal information we collect and hold may include:

- your name, address, and other contact details;
- information about products and services you purchase from us;
- payment information, including credit and debit card details;
- information collected when you use our website, including pages visited and browsing behaviour; and
- any other information you provide to us directly.

If we provide you (or an entity related to you) with credit, we may also collect and hold credit information and credit eligibility information about you, including:

- credit reports and identification information;
- consumer credit liability information;
- repayment, default, and payment history;
- amounts payable and credit terms.

If you apply for a job with us, we may also collect sensitive information where permitted under the Privacy Act.

How we collect personal information and why we collect it

We generally collect personal information directly from you, including through forms (online and offline), correspondence, and communications with us.

We may also collect personal information from third parties, including:
- credit providers and trade references;
- entities associated with you (such as employers); and
- credit reporting bodies (“CRBs”), where we provide or assess credit.

We collect, hold, use and disclose personal information for purposes including:
- operating our business and providing goods and services;
- processing orders, payments, and transactions;
- managing customer and business relationships;
- assessing creditworthiness where applicable;
- managing credit accounts, payments, and debt recovery;
- marketing, advertising and promotional communications;
- improving our services, customer experience, and website functionality;
- analytics and understanding website usage and customer behaviour;
- recruitment, employment and contractor management; and
- complying with legal and regulatory obligations.

If we are unable to collect personal information, we may be unable to provide goods, services, credit, or maintain our relationship with you.

Disclosure of personal information

We may disclose personal information to:
- our related entities, contractors, suppliers, consultants and service providers;
- professional advisers, insurers, and payment processors;
- CRBs, trade insurers, insurance brokers and credit assistance providers (where applicable);
- identity verification service providers;
- referees provided in connection with credit applications, job applications or contracts;
- courts, tribunals, regulators or law enforcement bodies where required;
- entities involved in a business sale, transfer or restructure; and
- other persons or entities with your consent or as required or permitted by law.

We may also disclose personal information to third-party service providers located overseas, including in the United States, where this is necessary to provide our services or operate our business. We take reasonable steps to ensure that overseas recipients handle personal information in accordance with applicable Australian privacy laws.

Credit reporting disclosures

If you fail to meet your payment obligations or commit a serious credit infringement, we may disclose this information to CRBs.

CRBs may include this information in reports provided to other credit providers to assist in assessing your creditworthiness.

You have rights under the Privacy Act, including the right to request that CRBs not use or disclose credit reporting information if you believe you are, or are likely to become, a victim of fraud. You should contact the relevant CRB directly to make such a request.

Direct marketing

We may use your personal information (excluding sensitive information) to send you marketing communications about our products, services, offers and promotions.

You may opt out of receiving direct marketing at any time by contacting us using the details below.

Where permitted, a CRB may use credit reporting information to pre-screen individuals for direct marketing. You may request that CRBs do not use your information for this purpose.

How we hold and secure personal information

We store personal information in both electronic and physical formats. We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure.

Access and correction

You may request access to personal information we hold about you by contacting us.

We may require verification of identity and clarification of the information requested. We may charge a reasonable fee for access.

We may refuse access in circumstances permitted under the Privacy Act.

You may also request correction of inaccurate or out-of-date information.

Complaints

If you believe we have breached the APPs or the Privacy Act, you may lodge a complaint using the contact details below.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):
https://www.oaic.gov.au/privacy/privacy-complaints

Online analytics, cookies and tracking technologies

We use cookies and similar technologies including web beacons, device identifiers, IP addresses, and local storage technologies.

We may use third-party tools including:
- Google Analytics
- Google Ads and Google Ads Remarketing
- Meta Pixel

These providers may collect information about your use of our website and other websites. You can disable cookies in your browser settings, but this may affect website functionality.

Anonymity and pseudonyms

Where lawful and practicable, you may interact with us anonymously or using a pseudonym. In some cases, this may not be possible.

Variation of this policy

We may update this policy from time to time. The updated version will be published on our website.

Contact us

Privacy Officer  
Al.ive Body Pty Ltd  
Email: hello@alivebody.com.au