Privacy Policy
Bill Experts is bound by the Australian Privacy Principles (Principles) contained in the Privacy Act 1988 (Privacy Act). The Principles are designed to protect the confidentiality of information and the privacy of individuals by regulating the way personal information (includingsensitive information) is managed. Personal information is, generally, information or an opinion relating to an individual, which can be used to identify that individual. Sensitive information is a sub-type of personal information and includes information about a person’s racial or ethnic origin, political opinions or associations, religious beliefs or affiliations, philosophical beliefs, trade and professional memberships, sexual preferences or practices, criminal record or health, genetic or biometric information.
You can see the full text of the APPs online at http://www.oaic.gov.au/privacy/privacyact/australian-privacy-principles
Bill Experts respects people’s privacy. We have prepared this Privacy Policy to help you understand our information handling practices and in particular, how we collect, use, store and disclose personal information.
We may collect personal information so we can:identify our customers or potential customers;provide you The services including, but are not limited to, an assessment and information service (Bill Expert Service) in relation to the provision of utilities, telecommunications, loans, credit cards and/or insurance services that are provided and paid for periodically and services that we are obliged to provide as referred to in our terms and conditions;services or initiatives that may be of interest to you andotherwise promote the Bill Experts brand by sending you brochures, flyers or other direct marketing material; assess job applicants’ suitability for employment; andrespond to inquiries and otherwise conduct our business and provide our products andservices in a professional and efficient manner.
If we are not provided with all the personal information we request, we may be unable to respond to your queries or provide you with certain information or document or otherwise correspond with you.
The kinds of personal information Bill Experts collects from you or about you depend on the transaction you have enteredinto with us.
Identification details (driver’s license, age, name, address, date of birth, contact details, social media handles).
Billing, accountand financial information which is relevant to all the transactions you have entered into with us.
This information is collected in through a number of ways, such as business activities and events, as well as when we are contacted by you, or when we contact you by mail, telephone, email and online, including when you complete any of our online questionnaires, calculators, tools or customer portal. The collection of information about you is done in line with the Principles.
We also collect work or employment-related information (e.g. resumes, CVs) from job applicants, either directly (e.g. in response to a job advertisement, unsolicited correspondence through LinkedIn or Seek) or indirectly (e.g. from recruitment agencies).
Unless it is unreasonable or impractical, we typically collect personal information directly from the individual concerned.
We may use your personal information to market products and services to you. In this way you will be kept up to date about any special offers, features and changes with regards to our services. If you do not wish to be contacted regarding any further services or product offerings you can contact our Privacy Officer and request to be removed from the circulation list. Contact details for our Privacy Officer appear at the end of this policy.
We may need to collect sensitive information about you or others, including health-related information, which is used to determine your eligibility to receive certain government concessions.
Where we are required to and it is practicable to do so, we will seek your consent before collecting your sensitive information and inform you of the purpose of the collection at that time. Your consent to collection of your sensitive information may be implied in limited circumstances.
Bill Experts’ website uses ‘cookies’ in order to improve your online experience. A cookie is a text file that is placed on your hard disk by a webpage server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
Bill Experts’ website uses cookies in two different ways:
When you are browsing any part of our site we will use a cookie that is stored on a computer's hard drive to track where visitors go on the site. The cookie does not allow us to identify any individual.
When you register and sign in to the secure, personalised area of the website we'll send you a secure cookie that will only last for the duration of your session. This secure cookie will be stored in your computer's memory rather than on your hard drive, and it maintains the security of your session.
We will generally allow an individual access to any personal information that we hold about them on request subject to any restrictions on access. We will try to give the individual concerned access in a form and manner that suits their needs. To request such access please contact our Privacy Officer.
Contact details for our Privacy Officer appear at the end of this Privacy Policy.
We ask that you tell us of any changes to the personal information we hold about you. You may notify our Privacy Officer (whose contact details appear at the end of this policy) at any time to request that your personal information is amended or updated. We will then take reasonable steps to correct the information in the manner requested.
If we consider that the personal information, we retain does not require amendment, we willannotate the request on our files.
The personal information that we collect will usually be recorded in hard copy files designated for the purpose for which the personal information was collected and updated on our computer databases and/or data storage service provider.
We will destroy or de-identify any personal information that we hold which is no longer needed for any valid purpose authorised by the Principles, unless we are required by law to retain such personal information.
We are committed to constantly improving our procedures so that personal information is treated appropriately. If you feel that we have failed to deal with your personal information in accordance with the Principles or this Privacy Policy, please inform us so that we have an opportunity to resolve the issue to your satisfaction. We may request that you make a complaint to us in writing. The person to contact is our Privacy Officer, whose contact details appear at the end of this Privacy Policy. Our Privacy Officer will manage the complaint process for us by listening to your concerns and grievances regarding our handling of personal information and discuss with you the ways in which we can remedy the situation and put in place an action plan to resolve your complaint and improve our information handling procedures (if appropriate). If this process does not result in an outcome that is satisfactory to you, you may contact the Office of the Australian Information Commissioner's Office. We will work together with the Information Commissioner'sOffice to resolve the issues between us.
The contact details for the Office of the Australian Information Commissioner's Office are as follows: