Alec Christie, Partner, DLA. Piper Australia 26 October 2014

Size: px
Start display at page:

Download "Alec Christie, Partner, DLA. Piper Australia 26 October 2014"

Transcription

1

2 hat franchisors need to know bout privacy, the cl oud and big ata Alec Christie, Partner, DLA Piper Australia 26 October 2014

3 hat we will cover today! Privacy: What has changed? (What hasn't?) The "new" Privacy Act Overview of the most relevant of the new APPs Key privacy risks of the Cloud Big Data, big privacy concerns! Conclusions (practical tips) Questions?

4 rivacy: What has changed? A more comprehensive (and organic) national privacy regime that extends to all federal agencies and the private sector and the handling of all personal information held by them More significant on-going compliance obligations, enhanced role and powers of Privacy Commissioner Harsher consequences for interferences with privacy, but potentially more guidance and "education" to assist with compliance

5 he new Privacy Act e Act regulates: the handling of "personal information" (including "sensitive information", Tax File Numbers and credit information) by public sector agencies and private sector organisations, by requiring compliance with a set of privacy principles the breach of which h principles constitutes an interference with privacy

6 hat information is covered? Personal information - infor rmation or opinion about an individual whose identity is apparent or can reasonably be ascer rtained from the information or opinion Sensitive information - information or an opinion about a person's characteristics (e.g. racial origin, political opinions, religious or philosophical p beliefs, sexual preference or criminal record) or health

7 verview of the new APPs Open and transparent management Anonymity and pseudonymity 8. Cross-border disclosure 9. Adoption, use or disclosure of government related identifiers Collection of solicited personal information Dealing with unsolicited personal information 10.Quality of personal information 11.Security of personal information Notification of collection 12.Accesss to personal information Use or disclosure 13.Correction of personal Direct marketing informa ation

8 anagement Obligation to actively "maintain" i " a privacy policy Specific information to be include ed in privacy policies Obligation to implement internal practices, procedures res and systems stems to ensure compliance, including: training complaints procedures identif fi fying risks ik compliance issues

9 PP 3 Collection of solicited ersonal informationn Personal information can only be collected if reasonably necessary for a business activity/function Sensitive information can only be collected with consent and if reasonably necessary for a business activity/function Collection must be by lawful and fair means Collection must be from the indiv vidual, unless unreasonable or impractical

10 tters to be notified at or before the time of collection: identity and contact t details of collectin ng entity purposes for collection if collected from a third party, the circumstances of that collection main consequences (if any) if all or so ome of the information is not provided the entities/persons or types of entities/persons to which the kind of information collected is usually disclosed that the privacy policy contains information about how to get access or seek correction and about how to mak ke a complaint about a breach of the APPs and how the entity will deal with such complaint whether the entity is likely to disclose the personal information to overseas recipients (and, if so, the specific countries in which the recipients are located) if collection is required pursuant to an order Australian law or court/tribunal

11 PP 6 Use and disclosure Use for primary purpose(s) of collection only Limits on use of sensitive information Unless consent obtained or other exceptions apply

12 PP 8 Cross border disclosure Cross border data flows permitted as long as "reasonable steps" are taken to ensure recipient does not breach the APPs (unl ess limited exceptions apply) Sender has ongoing accountability/liability (unless the limited exceptions apply) A list of foreign jurisdictions tha at have comparable privacy laws expected to be published by OAIC

13 eed to take "reasonable steps" to rotect personal informatio on from isuse, loss and unauthorised access, se and ddisclosure and dinte erference estroy or de-identify ersonal information hen no longer needed for any authorised purpose AIC guidance issued

14 hat is Cloud computing? From delivering basic office applications to individuals or small businesses at one end of the spectrum to major bespoke combined service offerings to large corporates & Government at the other All models involve information technology services which are: delivered via the Internet de-centralised IT infrastructure truly elastic/scalable on-demand

15 There is a perception that the Cloud is inherently less secure th han traditional IT models of data stored on hardware located at the premises or a specific data centre e of the customer

16 ey privacy risks of the Cloud (2) Loss of physical control over data Data is often stored in the most cost effective location(s), which may: be offshore; and not have privacy protections comparable to those of Australia Compliance with the APPs in relation to personal information Protection of company da ata (and business sensitive information)

17 ey privacy solutions for the loud nsure: quality and capacity of upstream a nd downstream parties you know and consider where the data is stored all required privacy and security arrangements are reflected in the agreement(s) access and audit rights to verify compliance that all individuals are informed of/ /provide their consent to relevant disclosure es, offshore transfers and the Cloud

18 ig Data, big privacy concerns! What is Big Data? What is it used for? What are the privacy issues or gaps? What are the risks?

19 ey privacy solutions for Big ata Audit existing databases/uses and re-identification Focus on transparency/a clear and concise privacy policy Continuous and flexible consent regimes/de-couple Big Data consents from 'essential' uses of information Ensure security measures in place and training

20 onclusions (practical tips)

21 uestions?

22 ow to contact Alec Alec Christie DLA Piper Australia No.1 Martin Place SYDNEY NSW 2000 Tel: alec.christie@dlapiper.com

Kinds of information that the Company collects and holds

Kinds of information that the Company collects and holds Privacy Policy Verandah Bar & Bistro Pty Limited Introduction 1. From time to time Verandah Bar and Bistro Pty Ltd ("the Company") is required to collect, hold, use and/or disclose personal information

More information

Privacy fact sheet 17

Privacy fact sheet 17 Privacy fact sheet 17 Australian Privacy Principles January 2014 From 12 March 2014, the Australian Privacy Principles (APPs) will replace the National Privacy Principles Information Privacy Principles

More information

2. Open and transparent management of personal information

2. Open and transparent management of personal information Privacy Policy - Talison Lithium Pty Ltd 1. Overview Talison Lithium Pty Ltd (Talison) believes privacy is an important right of individuals. Talison takes steps to protect your personal information from

More information

BLUE BADGE INSURANCE PTY LTD BLUE BADGE COMMUNITY AUSTRALIA PTY LTD PRIVACY POLICY

BLUE BADGE INSURANCE PTY LTD BLUE BADGE COMMUNITY AUSTRALIA PTY LTD PRIVACY POLICY BLUE BADGE INSURANCE PTY LTD BLUE BADGE COMMUNITY AUSTRALIA PTY LTD PRIVACY POLICY Version 1-1 1 July 2015 Blue Badge Insurance Australia Pty Ltd 2014 ABN 59 162 783 306 A.R. No. 438547 is an Authorised

More information

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual Daltrak Building Services Pty Ltd ABN: 44 069 781 933 Privacy Policy Manual Table Of Contents 1. Introduction Page 2 2. Australian Privacy Principles (APP s) Page 3 3. Kinds Of Personal Information That

More information

PRIVACY POLICY Personal information and sensitive information Information we request from you

PRIVACY POLICY Personal information and sensitive information Information we request from you PRIVACY POLICY Business Chicks Pty Ltd A.C.N. 121 566 934 (we, us, our, or Business Chicks) recognises and values the protection of your privacy. We also understand that you want clarity about how we manage

More information

Hume Bank Limited Privacy Policy

Hume Bank Limited Privacy Policy Hume Bank Limited Privacy Policy Hume Bank Limited (ACN 051 868 556) ('we', 'us', 'our') is subject to the Privacy Act 1988 (Cth) (Privacy Act), including the Australian Privacy Principles and Part IIIA

More information

PRIVACY IN THE CLOUD AND BIG DATA WHAT FRANCHISORS NEED TO KNOW!

PRIVACY IN THE CLOUD AND BIG DATA WHAT FRANCHISORS NEED TO KNOW! PRIVACY IN THE CLOUD AND BIG DATA WHAT FRANCHISORS NEED TO KNOW! By Alec Christie, Partner, DLA Piper Franchisors will already be dealing with a number of day-to-day privacy issues arising from their implementation

More information

Privacy Update for Australian Government Agencies. What we've seen in the first 12 months of the new APPs and what's next!

Privacy Update for Australian Government Agencies. What we've seen in the first 12 months of the new APPs and what's next! Privacy Update for Australian Government Agencies What we've seen in the first 12 months of the new APPs and what's next! Presented by Sharon Rowe and Alec Christie Canberra, 31 March 2015 What we are

More information

communications between us and your financial, legal or other adviser, or your broker or agent;

communications between us and your financial, legal or other adviser, or your broker or agent; Privacy policy Updated: 25 June 2014 This Privacy Policy applies to information collected by 255 Finance Pty Ltd ABN 23 168 112 507 and its related bodies corporate ( 255 Finance or we ). This policy outlines

More information

FISHER & PAYKEL PRIVACY POLICY

FISHER & PAYKEL PRIVACY POLICY FISHER & PAYKEL PRIVACY POLICY 1. About this Policy Fisher & Paykel Australia Pty Limited (ABN 71 000 042 080) and its related companies ('we', 'us', 'our') understands the importance of, and is committed

More information

Disclosure is the action of making new or secret information known.

Disclosure is the action of making new or secret information known. /PURPOSE OF POLICY Pty Limited (Momentum) is required and committed to comply with the Australian Privacy Principles (APPs) in the Privacy Act 1998 (Cth) (Privacy Act). The APPs regulate the manner in

More information

ASPEN AUSTRALIA BRANCH PRIVACY POLICY

ASPEN AUSTRALIA BRANCH PRIVACY POLICY ASPEN AUSTRALIA BRANCH PRIVACY POLICY INTRODUCTION This policy applies to the operations of Aspen s Australia branch. Aspen is committed to complying with the principles of the Privacy Act 1988 and accordingly

More information

Clearing the Legal fog:

Clearing the Legal fog: Clearing the Legal fog: cloud computing explained MARCH 2010 This issues summary highlights some of the main legal issues that are claimed to negatively affect users of cloud computing and provides practical

More information

Ausgrid Privacy Policy

Ausgrid Privacy Policy Ausgrid Privacy Policy Ausgrid is responsible for the safe and reliable supply of electricity to homes and businesses throughout Sydney, the Hunter and the Central Coast. Its network is made up of more

More information

Privacy Policy Australian Construction Products Pty Limited

Privacy Policy Australian Construction Products Pty Limited Privacy Policy Australian Construction Products Pty Limited What is this privacy policy about? This Privacy Policy describes how Australian Construction Products 63 091 618 781 (we or us) will treat the

More information

BIG DATA, BIG ISSUES?

BIG DATA, BIG ISSUES? BIG DATA, BIG ISSUES? IS AUSTRALIAN PRIVACY LAW KEEPING UP? By Reyhaneh Saadati, Solicitor & Alec Christie, Partner, DLA Piper Big Data has been dubbed by many as the "new economic asset" of our age and

More information

Table of Contents. Introduction 3 What is Title Insurance? What are mortgage processing and loan servicing services? 3 This Privacy Policy 3

Table of Contents. Introduction 3 What is Title Insurance? What are mortgage processing and loan servicing services? 3 This Privacy Policy 3 Privacy Policy First American Title Insurance Company of Australia Pty Ltd First Mortgage Services Pty Ltd First Mortgage Services Australia Pty Ltd 1 P a g e Table of Contents Page Introduction 3 What

More information

Respecting your privacy

Respecting your privacy Respecting your privacy We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers National Australia Bank Ltd ABN 12 004 044 937 and all its related body

More information

Privacy and Health Record Resource Handbook. For Medical Practitioners in the Private Sector

Privacy and Health Record Resource Handbook. For Medical Practitioners in the Private Sector Privacy and Health Record Resource Handbook For Medical Practitioners in the Private Sector Published by AMA, Canberra, 2014 The Privacy and Health Record Resource Kit was written and edited by John Alati,

More information

Privacy Policy. 30 January 2015

Privacy Policy. 30 January 2015 Privacy Policy 30 January 2015 Table of Contents 1 Overview 3 Purpose 3 Scope 3 2 Collection 3 What information do we collect? 3 What if you do not give us the information we request? 4 3 Use of information

More information

2. What personal information do we collect and hold?

2. What personal information do we collect and hold? PRIVACY POLICY Conexus Financial Pty Ltd [ABN 51 120 292 257], (referred to as Conexus, us, we" or our"), are committed to protecting the privacy of the personal information that we collect and complying

More information

Next Business Telecom is also subject to other laws relating to the protection of personal information.

Next Business Telecom is also subject to other laws relating to the protection of personal information. NEXT BUSINESS TELECOM PRIVACY POLICY The Next Business Telecom brand (Next Business Telecom, we, us, our) Next Business Telecom provides data and voice services to its customers with a focus on business

More information

www.corrs.com.au OFFSHORING Data the new privacy laws

www.corrs.com.au OFFSHORING Data the new privacy laws www.corrs.com.au OFFSHORING Data the new privacy laws OFFSHORING DATA THE NEW PRIVACY LAWS Transfer of data by Australian organisations to other jurisdictions is increasingly common. This is a result of

More information

Privacy and Cloud Computing for Australian Government Agencies

Privacy and Cloud Computing for Australian Government Agencies Privacy and Cloud Computing for Australian Government Agencies Better Practice Guide February 2013 Version 1.1 Introduction Despite common perceptions, cloud computing has the potential to enhance privacy

More information

ZEN Telecom Pty. Ltd. Privacy Policy

ZEN Telecom Pty. Ltd. Privacy Policy ZEN Telecom Pty. Ltd. Privacy Policy ZEN Telecom provides broadband internet, mobile voice & data, and PSTN fixed landline telephone, products and services, to residential and small to medium business

More information

CORPORATE TRAVEL MANAGEMENT PRIVACY POLICY

CORPORATE TRAVEL MANAGEMENT PRIVACY POLICY CORPORATE TRAVEL MANAGEMENT PRIVACY POLICY 1. About this Policy Corporate Travel Management Group Pty Ltd (ABN 52 005 000 895) (CTM) ('we', 'us', 'our') understands the importance of, and is committed

More information

The kinds of personal information we collect and hold vary depending on the services we are providing, but generally can include:

The kinds of personal information we collect and hold vary depending on the services we are providing, but generally can include: ABN 47 001 768 190 AFSL 244526 Our Privacy Policy At Capital Insurance Brokers, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian

More information

PRIVACY POLICY. Unless otherwise provided by law, we will not collect, hold, use or disclose sensitive information without your consent.

PRIVACY POLICY. Unless otherwise provided by law, we will not collect, hold, use or disclose sensitive information without your consent. Purpose Australian Institute of Professional Education P/L (AIPE/we/our) is committed to providing all stakeholders with the highest levels of professional service. The purpose of this Privacy Policy is

More information

Zinc Recruitment Pty Ltd Privacy Policy

Zinc Recruitment Pty Ltd Privacy Policy 1. Introduction Zinc Recruitment Pty Ltd Privacy Policy We manage personal information in accordance with the Privacy Act 1988 and Australian Privacy Principles. This policy applies to information collected

More information

SYNERGY RADIOLOGY APP PRIVACY POLICY

SYNERGY RADIOLOGY APP PRIVACY POLICY SYNERGY RADIOLOGY APP PRIVACY POLICY INTRODUCTION Synergy Radiology (Synergy) values our patient s privacy and adheres to the thirteen Australian Privacy Principles (APP s) in the Privacy Act to ensure

More information

Direct Recruitment Privacy Policy

Direct Recruitment Privacy Policy Direct Recruitment Privacy Policy Direct Recruitment manages personal information in accordance with the Privacy Act 1988 and Australian Privacy Principles (APP). This policy applies to information collected

More information

Australia s unique approach to trans-border privacy and cloud computing

Australia s unique approach to trans-border privacy and cloud computing Australia s unique approach to trans-border privacy and cloud computing Peter Leonard Partner, Gilbert + Tobin Lawyers and Director, iappanz In Australia, as in many jurisdictions, there have been questions

More information

Whitepaper. Implications of Federal Privacy Reforms for Federal Government Agencies. Date Released: 1 August 2013

Whitepaper. Implications of Federal Privacy Reforms for Federal Government Agencies. Date Released: 1 August 2013 Whitepaper Implications of Federal Privacy Reforms for Federal Government Agencies Date Released: 1 August 2013 Authors: Amanda Biggs and Helaine Leggat Disclaimer This White Paper is published for general

More information

PRIVACY POLICY. comply with the Australian Privacy Principles ("APPs"); ensure that we manage your personal information openly and transparently;

PRIVACY POLICY. comply with the Australian Privacy Principles (APPs); ensure that we manage your personal information openly and transparently; PRIVACY POLICY Our Privacy Commitment Glo Light Pty Ltd A.C.N. 099 730 177 trading as "Lighting Partners Australia of 16 Palmer Parade, Cremorne, Victoria 3121, ( LPA ) is committed to managing your personal

More information

Credit Reporting Privacy Policy of Baybrick Pty Ltd

Credit Reporting Privacy Policy of Baybrick Pty Ltd Credit Reporting Privacy Policy of Baybrick Pty Ltd Introduction 1. This Credit Reporting Privacy Policy is the official privacy policy of Baybrick Pty Ltd and its subsidiaries which includes JBS Australia

More information

QUEENSLAND COUNTRY HEALTH FUND. privacy policy. Queensland Country Health Fund Ltd ABN 18 085 048 237. better health cover shouldn t hurt

QUEENSLAND COUNTRY HEALTH FUND. privacy policy. Queensland Country Health Fund Ltd ABN 18 085 048 237. better health cover shouldn t hurt QUEENSLAND COUNTRY HEALTH FUND privacy policy Queensland Country Health Fund Ltd ABN 18 085 048 237 better health cover shouldn t hurt 1 2 contents 1. Introduction 4 2. National Privacy Principles 5 3.

More information

This policy applies to all individuals that provide Leading Age Services Australia Victoria (LASA Victoria) with their personal information.

This policy applies to all individuals that provide Leading Age Services Australia Victoria (LASA Victoria) with their personal information. The purpose of this policy This policy applies to all individuals that provide Leading Age Services Australia Victoria (LASA Victoria) with their personal information. What personal information do we collect?

More information

Privacy business resource 3

Privacy business resource 3 Privacy business resource 3 June 2013 Credit reporting what has changed As part of the reforms to the Privacy Act 1988 (Privacy Act), credit reporting in Australia is regulated by a new Part IIIA. 1 The

More information

Catalyst Consulting & Events (CCE) takes seriously its commitment to preserve the privacy of the personal information that we collect.

Catalyst Consulting & Events (CCE) takes seriously its commitment to preserve the privacy of the personal information that we collect. PRIVACY POLICY 1. Introduction Catalyst Consulting & Events (CCE) takes seriously its commitment to preserve the privacy of the personal information that we collect. We will only collect information that

More information

Privacy Policy. Board for Lutheran Education Australia. Policy. Purpose. Exclusion

Privacy Policy. Board for Lutheran Education Australia. Policy. Purpose. Exclusion Policy Relevant to Responsible officer Contact officer Authorisation Date introduced March 2014 Effective date of latest version March 2014 Next review date March 2017 Relevant legislation or source Board

More information

The purpose of this document is to provide a framework for ConnectGroups in dealing with privacy considerations.

The purpose of this document is to provide a framework for ConnectGroups in dealing with privacy considerations. PRIVACY POLICY Preliminary Note Before any policy is adopted in this area, there should be wide consultation with all potentially affected parties. Correspondingly, this draft policy should not be adopted,

More information

1.4 For information about our management of your other personal information, please see our Privacy Policy available at www.iba.gov.au.

1.4 For information about our management of your other personal information, please see our Privacy Policy available at www.iba.gov.au. Indigenous Business Australia Credit Information Policy 1 Purpose and application of this policy 1.1 This credit reporting policy (Credit Information Policy) describes and establishes how Indigenous Business

More information

Why does Smart Business Telecom Pty. Ltd. collect personal information?

Why does Smart Business Telecom Pty. Ltd. collect personal information? Privacy Policy Smart Business Telecom Pty. Ltd. ABN: 31 155 359 541, Privacy Policy 1 st March 2015 Smart Business Telecom Pty. Ltd. provides broadband internet, mobile voice & data, and PSTN fixed landline

More information

Carriers Insurance Brokers Pty. Limited

Carriers Insurance Brokers Pty. Limited Our Privacy Policy At Carriers Insurance Brokers Pty. Limited, ABN 66 001 609 936, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian

More information

PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining a quotation

More information

International money transfers public interest determination applications. Consultation paper

International money transfers public interest determination applications. Consultation paper International money transfers public interest determination applications Consultation paper Closing date for comment 4 August 2014 Purpose of consultation paper The Office of the Australian Information

More information

PRIVACY AND CREDIT REPORTING POLICY

PRIVACY AND CREDIT REPORTING POLICY PRIVACY AND CREDIT REPORTING POLICY 12 March 2014 CONTENTS What is personal information?...3 Information we may collect, use and disclose about you...4 Collection of sensitive information...6 How personal

More information

PRIVACY POLICY. In this policy, the terms Adelaide Unicare and The Practice are used interchangeably and mean the same.

PRIVACY POLICY. In this policy, the terms Adelaide Unicare and The Practice are used interchangeably and mean the same. PRIVACY POLICY Note: The definition of Staff in this policy refers to all Employees, Contractors, Healthcare Providers at Adelaide Unicare and Students who attend the practice as part of their studies.

More information

Credit Reporting and Credit Related Personal Information Policy. Corporate Legal Procedure

Credit Reporting and Credit Related Personal Information Policy. Corporate Legal Procedure Credit Reporting and Credit Related Personal Information Policy Corporate Legal Procedure TABLE OF CONTENTS 1. Purpose... 3 2. Acknowledgment... 3 3. The kind of Credit Information we will collect and

More information

Information Privacy Policy

Information Privacy Policy Information Privacy Policy pol-032 Version: 2.01 Last amendment: Oct 2014 Next Review: Aug 2017 Approved By: Council Date: 04 May 2005 Contact Officer: Director, Strategic Services and Governance INTRODUCTION

More information

PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining a quotation

More information

PROFESSIONAL INDEMNITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION

PROFESSIONAL INDEMNITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION PROFESSIONAL INDEMNITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION A. Obtaining a Quotation To minimise delays in obtaining

More information

The Privacy Act 1988 contains 10 National Privacy Principles (the NPPs) which specify how organisations should handle personal information.

The Privacy Act 1988 contains 10 National Privacy Principles (the NPPs) which specify how organisations should handle personal information. Privacy policy Abstract Page 1 Preamble The Privacy Act 1988 contains 10 National s (the NPPs) which specify how organisations should handle personal information. The Anglican Church Diocese of Sydney

More information

Overview of the Impact of the Privacy Reforms on Credit Reporting

Overview of the Impact of the Privacy Reforms on Credit Reporting Overview of the Impact of the Privacy Reforms on Credit Reporting June 2012 Andrew Galvin, Partner 1 OVERVIEW 1.1 Credit Reporting Reform - Background When initially passed, the Privacy Act 1988 essentially

More information

Privacy Policy First National Real Estate Cremorne ACN 32096182571

Privacy Policy First National Real Estate Cremorne ACN 32096182571 Privacy Policy First National Real Estate Cremorne ACN 32096182571 First National Group of Independent Real Estate Agents Limited 1 Contents Privacy Statement... 3 Overview... 3 Collection of your personal

More information

Privacy Policy. Approved by: College Board, 01/12/2005 Principal from 14/02/2014

Privacy Policy. Approved by: College Board, 01/12/2005 Principal from 14/02/2014 Privacy Policy Approved by: College Board, 01/12/2005 Principal from 14/02/2014 Revised Date: 11/01/2008 26/08/2011 19/03/2013 14/02/2014 Review Date: 14/02/2016 PLEASE NOTE: Version control for this document

More information

Police Financial Services Limited Copyright exists in this document Privacy Policy 1

Police Financial Services Limited Copyright exists in this document Privacy Policy 1 Privacy January 2015 Policy Police Financial Services Limited ABN 33 087 651 661 ('we', 'us', 'our', BankVic ) is bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth) (Privacy Act).

More information

DRAFT AUSTRALIAN PRIVACY PRINCIPLES GUIDELINES 6-11

DRAFT AUSTRALIAN PRIVACY PRINCIPLES GUIDELINES 6-11 The Privacy Commissioner Office of the Australian Information Commissioner GPO Box 5218 SYDNEY NSW 2001 By email: consultation@oaic.gov.au 21 October 2013 Dear Commissioner DRAFT AUSTRALIAN PRIVACY PRINCIPLES

More information

PUBLIC & PRODUCTS LIABILITY RENEWAL DECLARATION

PUBLIC & PRODUCTS LIABILITY RENEWAL DECLARATION PUBLIC & PRODUCTS LIABILITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION A. Obtaining a Quotation To minimise delays in obtaining

More information

Public Liability Insurance

Public Liability Insurance Public Liability Insurance Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim Catholic Church Insurance Limited will act on your claim as soon as we receive this form. You

More information

ANZ Privacy Policy PROTECTING YOUR PRIVACY 07.15

ANZ Privacy Policy PROTECTING YOUR PRIVACY 07.15 ANZ Privacy Policy PROTECTING YOUR PRIVACY 07.15 Contents Introduction to ANZ s Privacy Policy 4 Collecting your personal information 6 Using your personal information 9 Disclosing your personal information

More information

CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY

CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY Purpose CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY This is the privacy policy of Southern Steel Group Pty Limited ACN 003 067 838, Southern Steel Supplies Pty Limited ACN 000 060 131,

More information

Captain Compare Privacy Policy

Captain Compare Privacy Policy Captain Compare Privacy Policy This Privacy Policy contains important information about the type of personal information we collect from you on the Captain Compare website (www.captaincompare.com.au) (Website),

More information

Financial Services Guide part one

Financial Services Guide part one SENTRY Financial Planning Financial Services Guide part one Financial Services Guide - Part One Introduction This Financial Services Guide (FSG) is issued with the authority of Sentry Financial Planning

More information

Westpac Business Debit MasterCard Application

Westpac Business Debit MasterCard Application Westpac Business Debit MasterCard Application Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 In order to apply for a Westpac Business Debit MasterCard, the following

More information

How does Barnes collect and hold personal information?

How does Barnes collect and hold personal information? Barnes Mortgage Management Pty Ltd ACN 061 590 341 Australian Credit Licence 384 156 Ground Floor, 132 Lutwyche Road (Corner Nicholas Street), Windsor, QLD, 4030 Tel: 07 3622 2400 Fax: 07 3357 9436 Privacy

More information

Information Handling Policy

Information Handling Policy Information Handling Policy 10 December 2015 Information Handling Policy 1. Who We Are 1.1 In this Information Handling Policy, references to we, our, us and ClearView are to ClearView Wealth Limited and

More information

3 What Personal Information do we collect and why do we need it?

3 What Personal Information do we collect and why do we need it? Privacy Policy 1 Protecting your privacy The worldwide rental system operated as Europcar is owned by Europcar International, a French Corporation. A number of independently owned licensees also trade

More information

Using AWS in the context of Australian Privacy Considerations October 2015

Using AWS in the context of Australian Privacy Considerations October 2015 Using AWS in the context of Australian Privacy Considerations October 2015 (Please consult https://aws.amazon.com/compliance/aws-whitepapers/for the latest version of this paper) Page 1 of 13 Overview

More information

DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining

More information

SIMPLY FINANCE PRIVACY AND CREDIT REPORTING POLICY

SIMPLY FINANCE PRIVACY AND CREDIT REPORTING POLICY SIMPLY FINANCE PRIVACY AND CREDIT REPORTING POLICY 1. Our privacy commitment Lane Financial Solutions Pty Ltd (ACN 146 182 256) (Australian Credit Licence No: 390275) trading as Simply Finance (Simply

More information

Privacy Policy Statement

Privacy Policy Statement Privacy Policy Statement Our Commitment While information is the foundation for providing you with superior service, protecting the privacy of your personal information is of the highest importance to

More information

Opal Privacy Policy. Opal Electronic Ticketing System

Opal Privacy Policy. Opal Electronic Ticketing System Opal Electronic Ticketing System Contents 1 Background... 4 1.1 The Opal Ticketing System... 4 1.2 Channels for acquiring Opal cards... 4 1.3 TfNSW... 4 2 Scope of policy... 5 2.1 Applicable privacy legislation...

More information

REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into an

More information

WHAT KIND OF PERSONAL INFORMATION DOES NINE COLLECT AND HOW DOES NINE COLLECT IT?

WHAT KIND OF PERSONAL INFORMATION DOES NINE COLLECT AND HOW DOES NINE COLLECT IT? Privacy Policy Nine Network Australia Pty Ltd (Nine) understands that privacy is important to our viewers, business contacts, and people who appear in our television programs. At Nine we are committed

More information

Property. Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim. Client Details

Property. Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim. Client Details Property Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim Catholic Church Insurance Limited will act on your claim as soon as we receive this form. You can help us to act

More information

Catholic Church Insurance Limited will act on your claim as soon as we receive this form. You can help us to act quickly for you by:

Catholic Church Insurance Limited will act on your claim as soon as we receive this form. You can help us to act quickly for you by: Personal Accident Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim Catholic Church Insurance Limited will act on your claim as soon as we receive this form. You can help

More information

REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL REAL ESTATE AGENTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into a contract

More information

Privacy Statement. April 2015

Privacy Statement. April 2015 Privacy Statement April 2015 RACT Health Insurance is provided by GMHBA Limited. In this privacy statement, references to RACT Health Insurance are references to GMHBA Limited. References to RACT are references

More information

SOLICITORS EXCESS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

SOLICITORS EXCESS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL SOLICITORS EXCESS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into a contract

More information

Personal Accident Voluntary Workers

Personal Accident Voluntary Workers Personal Accident Voluntary Workers Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim Form Catholic Church Insurance Limited will act on your claim as soon as we receive this

More information

APPOMENSE HOPE FOR AFRICA PRIVACY POLICY

APPOMENSE HOPE FOR AFRICA PRIVACY POLICY APPOMENSE HOPE FOR AFRICA PRIVACY POLICY Appomense Hope for Africa respects your privacy Appomense Hope for Africa understands the importance of protecting personal information we receive from supporters

More information

PART 1 PERSONAL AND CREDIT INFORMATION PRIVACY POLICY Document Purpose

PART 1 PERSONAL AND CREDIT INFORMATION PRIVACY POLICY Document Purpose Tyro Payments Privacy Policy Version 2.0 PART 1 PERSONAL AND CREDIT INFORMATION PRIVACY POLICY Document Purpose The purpose of this Privacy Policy is to provide a summary of how, why and when personal

More information

AC&E Insurance Services Pty Ltd Privacy Statement Effective: 1 August, 2010

AC&E Insurance Services Pty Ltd Privacy Statement Effective: 1 August, 2010 AC&E Insurance Services Pty Ltd Privacy Statement Effective: 1 August, 2010 AC&E means AC&E Insurance Services Pty Ltd (ABN 69 137 720 757). AC&E has always valued the privacy of personal information.

More information

Best Practice Guide Workplace privacy

Best Practice Guide Workplace privacy Best Practice Guide Workplace privacy 01 Work & family 02 Consultation & cooperation in the workplace 03 Use of individual flexibility arrangements 04 A guide for young workers 05 An employer s guide to

More information

AASA Online Privacy Policy CRP.020

AASA Online Privacy Policy CRP.020 Introduction Alzheimer s Australia SA Inc values your privacy and takes reasonable steps to protect your personal information (that is, information which identifies or may reasonably be used to identify

More information

Information Sheet: Cloud Computing

Information Sheet: Cloud Computing info sheet 03.11 Information Sheet: Cloud Computing Info Sheet 03.11 May 2011 This Information Sheet gives a brief overview of how the Information Privacy Act 2000 (Vic) applies to cloud computing technologies.

More information

Privacy Policy (Solitaire Automotive)

Privacy Policy (Solitaire Automotive) Privacy Policy (Solitaire Automotive) Solitaire Automotive Group is committed to ensuring that any personal information collected during the course of our operations is treated with respect and managed

More information

DESTINATION MELBOURNE PRIVACY POLICY

DESTINATION MELBOURNE PRIVACY POLICY DESTINATION MELBOURNE PRIVACY POLICY 2 Destination Melbourne Privacy Policy Statement Regarding Privacy Policy Destination Melbourne Limited recognises the importance of protecting the privacy of personally

More information

CREDIT REPORTING POLICY

CREDIT REPORTING POLICY CREDIT REPORTING POLICY The Clean Energy Finance Corporation ("CEFC", we, us, our in this Credit Reporting Policy) respect the privacy of personal information and credit information you may provide to

More information

Loyalty program assessment: flybuys

Loyalty program assessment: flybuys Loyalty program assessment: flybuys Coles Supermarkets Australia Pty Ltd Summary report Australian Privacy Principles assessment Section 33C(1)(a) Privacy Act 1988 Assessment undertaken: November 2015

More information

Risk management, information security and privacy compliance. new meeting of minds or ships in the night?

Risk management, information security and privacy compliance. new meeting of minds or ships in the night? Risk management, information security and privacy compliance new meeting of minds or ships in the night? Peter Leonard September 2015 page 1 ships in the night + narrowly focussed conversations reasonable

More information

Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe.

Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe. Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe. We are bound by the Privacy Act 1988 (Cth) ( Privacy Act ) and will protect your personal

More information

Clevertar Privacy Policy

Clevertar Privacy Policy Clevertar Privacy Policy At Clevertar, we take privacy very seriously. We encourage you to read this Privacy Policy Policy carefully. The defined terms in this Policy have the same meaning as in our Terms

More information

Privacy Policy. Preparation date: 12 March 2014. toyotafinance.com.au

Privacy Policy. Preparation date: 12 March 2014. toyotafinance.com.au Privacy Policy Preparation date: 12 March 2014 toyotafinance.com.au Contents Introduction 3 Who are we? 3 About this Privacy Policy 3 Personal information 3 What is personal information? 3 What kinds of

More information

PRIVACY POLICY NEXT BUSINESS ENERGY PTY LIMITED ABN 91 167 937 555

PRIVACY POLICY NEXT BUSINESS ENERGY PTY LIMITED ABN 91 167 937 555 PRIVACY POLICY NEXT BUSINESS ENERGY PTY LIMITED ABN 91 167 937 555 TABLE OF CONTENTS 1. INTRODUCTION 3 2. HOW WE COLLECT YOUR PERSONAL INFORMATION 3 3. TYPES OF INFORMATION WE COLLECT 4 4. HOW WE USE THE

More information

Belmont 16 Foot Sailing Club. Privacy Policy

Belmont 16 Foot Sailing Club. Privacy Policy Belmont 16 Foot Sailing Club Privacy Policy APRIL 2014 1 P age Belmont 16 Foot Sailing Club Ltd (the 16s ) respects your right to privacy and is committed to protecting your personal information. This

More information

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into

More information

Alpha Securities. Privacy Policy. Issued by Alpha Securities Pty Ltd

Alpha Securities. Privacy Policy. Issued by Alpha Securities Pty Ltd Alpha Securities Privacy Policy Issued by Alpha Securities Pty Ltd Effective May 2014 Contents About this policy 3 What is personal information? 3 What kinds of personal information do we collect and hold?

More information