INTRODUCTION

This document sets out the privacy policy of Herbs of Gold Pty Ltd ABN 29 003 718 152 (referred to in this privacy policy as ‘we’, ‘us’, or ‘our’).

We take our privacy obligations seriously and we’ve created this privacy policy to explain how we store, maintain, use and disclose personal information, including any credit-related personal information (Personal Information). Our handling of credit-related personal information is regulated by the Privacy Act 1988 (Cth) (Privacy Act) and the Privacy (Credit Reporting) Code 2014.

By providing Personal Information to us, you consent to our storage, maintenance, use and disclosing of Personal Information in accordance with this privacy policy.

We may change this privacy policy from time to time by posting an updated copy on our website and we encourage you to check our website regularly to ensure that you are aware of our most current privacy policy.

TYPES OF PERSONAL INFORMATION WE COLLECT

The personal information we collect may include the following:

• name;
• mailing or street address;
• email address;
• social media information;
• telephone number and other contact details;
• age;
• credit card or other payment information;
• information about your business or personal circumstances;
• information in connection with client surveys, questionnaires and promotions;
• your device identity and type, I.P. address, geo-location information, page view statistics, advertising data and standard web log information;
• information about third parties; and
• any other information provided by you to us via our website or our online presence, or otherwise required by us or provided by you.

For retailers entering into credit terms with us, we may additionally collect credit-related personal information as part of our assessment and account management processes:

• information about your financial position including but not limited to income, expenses, savings, employment, and the consumer credit you’ve applied for;
• information about your repayment history including previously reported defaults and past experiences with us or other lenders;
• if you make a hardship application, other information about your personal circumstances; and
• consumer credit liability information, including details of your credit provider.

We may also collect information publicly available credit-related personal information or from other people and organisations, which may happen without your direct involvement. This includes credit reports from credit reporting bodies (CRBs), opinions from other lenders about your creditworthiness, information from your representatives (such as legal advisers, mortgage brokers, financial adviser and executors), information from your employer/s, court proceedings information, personal insolvency information and company information.

HOW WE COLLECT PERSONAL INFORMATION

We may collect Personal Information either directly from you, or from third parties, including where you:

• contact us through our website;
• receive goods or services from us;
• submit any of our online sign up forms;
• communicate with us via email, telephone, SMS, social applications (such as LinkedIn, Facebook or Twitter) or otherwise;
• interact with our website, social applications, services, content and advertising; and
• invest in our business or enquire as to a potential purchase in our business.

We may also collect Personal Information from you when you use or access our website or our social media pages. This may be done through use of web analytics tools, ‘cookies’ or other similar tracking technologies that allow us to track and analyse your website usage. Cookies are small files that store information on your computer, mobile phone or other device and enable and allow the creator of the cookie to identify when you visit different websites. If you do not wish information to be stored as a cookie, you can disable cookies in your web browser.

We may use Google Analytics to collect and process data, including when you use third party websites or apps. To find out more see How Google uses data when you use our partners’ sites or apps.

For retailers on credit terms, we may collect your credit-related personal information from you directly for the purposes of servicing a request, from details included in your credit application or from third parties such as CRBs, government agencies, other credit providers or trade references.

Where we outsource our credit assessment or debt collection functions to third party service providers, those providers may also collect your credit-related personal information from you and other sources on our behalf.

USE OF YOUR PERSONAL INFORMATION

We collect and use Personal Information for the following purposes:

• to provide goods, services or information to you;
• for record keeping and administrative purposes;
• to assess your creditworthiness or assess a credit application from you;
• to disclose credit reporting information to an enforcement body in circumstances where reasonable grounds suggest that a serious credit infringement has been committed;
• to provide information about you to our contractors, employees, consultants, agents or other third parties for the purpose of providing goods or services to you;
• to improve and optimise our service offering and customer experience;
• to comply with our legal obligations, resolve disputes or enforce our agreements with third parties;
• to send you marketing and promotional messages and other information that may be of interest to you and for the purpose of direct marketing (in accordance with the Spam Act). In this regard, we may use email, SMS, social media or mail to send you direct marketing communications. You can opt out of receiving marketing materials from us by using the opt-out facility provided (e.g. an unsubscribe link);
• to send you administrative messages, reminders, notices, updates, security alerts, and other information requested by you; and
• to consider an application of employment from you.

We may disclose your Personal Information to cloud-providers, contractors and other third parties located inside or outside of Australia. If we do so, we will take reasonable steps to ensure that any overseas recipient deals with such Personal Information in a manner consistent with how we deal with it.

DATA SECURITY AND RETENTION

We are committed to safeguarding your Personal Information and use a combination of physical, technical, and administrative measures to prevent unauthorized access, misuse, loss, or disclosure. Our systems are protected by password controls, SSL encryption for data transmitted online, and one-way encryption for passwords, ensuring we cannot access or retrieve your original passwords. If a password is forgotten, you will need to reset it via a secure, validated email link.

We retain Personal Information only for as long as necessary to fulfill the purposes for which it was collected, or as required by legal, regulatory, or business needs. When your Personal Information is no longer required, we take reasonable steps to securely destroy or permanently de-identify it. Certain records, such as client files, may need to be retained for a number of years to meet regulatory and record-keeping obligations.

LINKS

Our website may contain links to other websites. Those links are provided for convenience and may not remain current or be maintained. We are not responsible for the privacy practices of those linked websites and we suggest you review the privacy policies of those websites before using them.

REQUESTING ACCESS OR CORRECTING YOUR PERSONAL INFORMATION

If you wish to request access to the Personal Information we hold about you, please contact us using the contact details set out below including your name and contact details. We may need to verify your identity before providing you with your Personal Information. In some cases, we may be unable to provide you with access to all your Personal Information and where this occurs, we will explain why. We will deal with all requests for access to Personal Information within a reasonable timeframe.

If you think that any Personal Information we hold about you is inaccurate, please contact us using the contact details set out below and we will take reasonable steps to ensure that it is corrected.

COMPLAINTS

If you wish to complain about how we handle your Personal Information held by us, please contact us using the details set out below including your name and contact details. We will endeavour to investigate your complaint promptly and respond to you within a reasonable timeframe.

CONTACT US

For further information about our privacy policy or practices, or to access or correct your Personal Information, or make a complaint, please contact us using the details set out below:

Email: info@herbsofgold.com.au

Our privacy policy was last updated on 15 October 2024.