This policy applies to any person for whom we currently hold, or may in the future collect, personal or credit information.
This policy applies to personal and credit information. In broad terms, 'personal information' is information or opinions relating to a particular individual who can be identified, whether the information or opinion is true or not. Information is not personal information where the information cannot be linked to an identifiable individual.
How do we manage the personal information we collect?
We manage the personal information we collect in numerous ways, such as by:
• implementing procedures for identifying and managing privacy risks at each stage of the information lifecycle, including collection, use, disclosure, storage, destruction or de-identification;
• implementing security systems for protecting personal information from misuse, interference and loss from unauthorised access, modification or disclosure;
• regularly providing staff with training on privacy issues or providing information bulletins;
• appropriately supervising staff who regularly handle personal information.
As with all personal information, we will take reasonable steps to destroy or permanently de-identify personal information if that information is no longer needed for the purposes for which we are authorised to use it.
We are also subject to professional obligations which may affect how we deal with personal information.
What kinds of information do we collect and hold?
We may collect and hold personal information about you, which may include:
• sensitive information (see below);
• contact information;
• financial information;
• date and place of birth;
• employment history;
• tax returns and tax file numbers;
• information about family situations;
• banking details; and
• any other personal information required to perform the financial or accounting service for you.
'Sensitive information' is a subset of personal information and includes personal information that may have serious ramifications for the individual concerned if used inappropriately. The sensitive information we collect and hold about an individual may include health information; religious affiliation; political opinions; membership of professional or trade associations; and membership of trade unions.
How and when do we collect personal information?
Our usual approach to collecting personal information is to collect it directly from you. We may also collect personal information in other ways, which may include:
• through referrals from individuals or other entities;
• from third party providers and suppliers;
• from paid search providers; and
• from government agencies (such as the Australian Taxation Office).
You do not need to provide all the information requested by us, but this may prevent us from providing some or all of our services to you.
How do we hold personal information?
Our usual approach to holding personal information includes:
• physically at our premises (securely); and
• electronically on secure online servers; and
• by a third party data storage provider.
We secure the personal information we hold in numerous ways, including:
• using keys to access areas that contain personal information;
• using secure servers to store personal information;
• using unique usernames, passwords and other protections on systems that can access personal information;
• firewalls to protect electronic information
• virus protections software which is updated regularly
• shredding records that are no longer required.
Why do we collect, hold use or disclose personal information?
We take reasonable steps to use and disclose personal information for the primary purpose for which we collect it. The primary purpose for which information is collected, held and disclosed varies, depending on the particular service being provided, but is generally to provide:-
• accounting or financial services to your or your business
• Advanced business services
• Self managed super funds
• Human resources support
• to provide you with updates and alerts that are relevant to you or your business
We may disclose personal information to other service providers or referral partners in order to provide the accounting or financial service to you, or to assist our functions or activities (such as debt collection agencies or law firms). We may disclose to other third parties with your consent and to Government agencies, such as the Australian Taxation Office.
Otherwise, we will only disclose personal information to third parties if permitted by the Privacy Act.
Personal information may also be used or disclosed by us for secondary purposes which are within your reasonable expectations and which are related to the primary purposes of collection.
Third Party Websites
Ringrose Button's website may contain links to third parties' websites. Please note that these websites are not subject to our privacy policies and procedures. Ringrose Button does not endorse, approve or recommend the services and products provided on those third party websites.
How do we manage your credit information?
What kinds of credit information may we collect?
In the course of providing accounting or financial services to you, we may collect and hold the following kinds of credit information:
• your identification information;
• information about any credit that has been provided to you;
• your repayment history;
• information about your overdue payments;
• if terms and conditions of your credit arrangements are varied;
• if any court proceedings are initiated against you in relation to your credit activities;
• information about any bankruptcy or debt agreements involving you;
• any publicly available information about your credit worthiness; and
• any information about you where you may have fraudulently or otherwise committed a serious credit infringement.
We may also collect information that may affect your credit worthiness from other credit providers (e.g. banks) that have collected the information from a credit reporting body. The kinds of information we collect may include any of those types of credit information outlined in this policy.
How and when do we collect credit information?
In most cases, we will only collect credit information about you if you disclose it to us and it is relevant in providing you with the accounting or financial service.
Other sources we may collect the credit information from include:
• banks and other credit providers;
• other individuals and entities via referrals; and
• your suppliers and creditors.
We do not collect and hold credit information from credit reporting bodies unless it is incidentally collected in providing the accounting or financial service to you.
How do we store and hold the credit information?
We store and hold credit information in the same manner as outlined above in this policy.
Why do we collect the credit information?
Our usual purpose for collecting, holding, using and disclosing credit information about you is to enable us to provide you with the accounting or financial service and to process payments.
How can I access my credit information, correct errors or make a complaint?
You can access and correct your credit information, or complain about a breach of your privacy in the same manner as set out above.
How do you make complaints and access and correct your personal information or credit information?
It is important that the information we hold about you is up-to-date. You should contact us if your personal or credit information changes.
Access to information and correcting personal information
You may request access to the personal or credit information held by us or ask us for your personal or credit information to be corrected by using the contact details in this section. We will grant you access to your personal or credit information as soon as possible (but within 30 days), subject to the request circumstances. In keeping with our commitment to protect the privacy of personal and credit information, we may not disclose personal or credit information to you without proof of identity.
We may deny access to personal information if:
• the request is unreasonable;
• providing access would have an unreasonable impact on the privacy of another person;
• providing access would pose a serious and imminent threat to the life or health of any person;
• providing access would compromise our professional obligations;
• your account with ourselves is unpaid; or
• there are other legal grounds to deny the request.
We may deny access to credit information if we are not satisfied that the credit information is inaccurate, out-of-date, incomplete, irrelevant or misleading.
We may charge a fee for reasonable costs incurred in responding to an access request. The fee (if any) will be disclosed prior to it being levied.
If the personal information that we hold is not accurate, complete and up-to-date, we will take reasonable steps to correct it so that it is accurate, complete and up-to-date, where it is appropriate to do so.
If you wish to complain about an alleged privacy breach, you must follow the following process:
• The complaint must be firstly made to us in writing, using the contact details in this section. We will respond to the complaint within 30 days from the date the complaint is received.
• In the unlikely event the privacy issue cannot be resolved, you may take your complaint to the Office of the Australian Information Commissioner.
Who to contact
A person may make a complaint or request to access or correct personal information about them held by us. We will take reasonable steps to ensure the personal or credit information we hold is accurate and complete. Such a request must be made in writing to the following address or contact officer
Contact: Privacy Office
Postal Address: PO Box 446, Longreach Qld 4730
Telephone number: (07) 4658 1377
Email address: email@example.com
Changes to the policy