Thank you for applying for a credit account with Axiom Group Investments Pty Ltd.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
Please note that the completed application will be emailed to the Primary Contact to sign and return.
If you require any assistance with your application, please contact our friendly accounts department on 1300 652 336
CreditorWatch is a provider of credit reporting services.
The Service involves the storage of Data about a company or individual. That Data can include personal information. “Personal information” is information about an identifiable individual, and may include information such as the individual’s name, email address, telephone number, bank account details, taxation details, and accounting and financial information.
CreditorWatch may collect personal information directly from You when You:
You can always choose not to provide Your personal information to CreditorWatch, but it may mean that we are unable to provide You with the Service.
Through Your use of the Service, CreditorWatch may also collect information from You about someone else. If You provide CreditorWatch with personal information about someone else, You must ensure that You are authorised to disclose that information to CreditorWatch and that, without CreditorWatch taking any further steps required by applicable data protection or privacy laws, CreditorWatch may collect, use and disclose such information for the purposes described in this Policy.
This means that You must take reasonable steps to ensure the individual concerned is aware of and/or consents to the various matters detailed in this Policy, including the fact that their personal information is being collected, the purposes for which that information is being collected, the intended recipients of that information, the individual’s right to obtain access to that information, CreditorWatch’s identity, and how to contact CreditorWatch.
Where requested to do so by CreditorWatch, You must also assist CreditorWatch with any requests by the individual to access or update the personal information You have collected from them and entered into the Service.
CreditorWatch collects Your personal information so that we can provide You with the Service and any related services You may request. In doing so, CreditorWatch may use the personal information we have collected from You for purposes related to the Services including to:
By using the Service, You consent to Your personal information being collected, held and used in this way and for any other use You authorise. CreditorWatch will only use Your personal information for the purposes described in this Policy or with Your express permission.
It is Your responsibility to keep Your password to the Service safe. You should notify us as soon as possible if You become aware of any misuse of Your password, and immediately change your password within the Service or via the forgot password process.
By using the Service, You agree that CreditorWatch can access, aggregate and use non-personally identifiable data CreditorWatch has collected from You. This data will in no way identify You or any other individual.
CreditorWatch may use this aggregated non-personally identifiable data to:
All Data, including personal and non-personal information, that is entered into the Service by You, or automatically imported on Your instruction, is transferred to CreditorWatch’s servers as a function of transmission across the Internet. By using the Service, You consent to Your personal information being transferred to our servers as set out in this Policy.
Currently our servers are located in Australia, primarily by Global Switch Pty Ltd. (Global Switch), and Your personal information will be routed through, and stored on, those servers as part of the Service. Global Switch complies with relevant aspects of the U.S.-EU Safe Harbor Framework and has certified that it adheres to relevant Safe Harbor Privacy Principles. If the location of our servers change in the future, we will update this Policy. You should review our Policy regularly to keep informed of any updates.
By providing Your personal information to CreditorWatch, You consent to CreditorWatch storing Your personal information on servers hosted in Australia. While Your personal information will be stored on servers located in the Australia, it will remain within CreditorWatch’s effective control at all times. The server host’s role is limited to providing a hosting and storage service to CreditorWatch, and we’ve taken steps to ensure that our server hosts do not have access to, and use the necessary level of protection for, Your personal information.
CreditorWatch is committed to protecting the security of Your personal information and we take all reasonable precautions to protect it from unauthorised access, modification or disclosure. Your personal information is stored on secure servers that have SSL Certificates issued by leading certificate authorities Symantec Corporation, and all Data transferred between You and the Service is encrypted.
However, the Internet is not in itself a secure environment and we cannot give an absolute assurance that Your information will be secure at all times. Transmission of personal information over the Internet is at Your own risk and You should only enter, or instruct the entering of, personal information to the Service within a secure environment.
We will advise You at the first reasonable opportunity upon discovering or being advised of a security breach where Your personal information is lost, stolen, accessed, used, disclosed, copied, modified, or disposed of by any unauthorised persons or in any unauthorised manner.
CreditorWatch will only disclose the personal information You have provided to us to entities outside the CreditorWatch group of companies if it is necessary and appropriate to facilitate the purpose for which Your personal information was collected pursuant to this Policy, including the provision of the Service.
CreditorWatch will not otherwise disclose Your personal information to a third party unless You have provided Your express consent. However, You should be aware that CreditorWatch may be required to disclose Your personal information without Your consent in order to comply with any court orders, subpoenas, or other legal process or investigation including by tax authorities, if such disclosure is required by law. Where possible and appropriate, we will notify You if we are required by law to disclose Your personal information.
The third parties who host our servers do not control, and are not permitted to access or use Your personal information except for the limited purpose of storing the information. This means that, for the purposes of Australian privacy legislation and Australian users of the Service, CreditorWatch does not currently “disclose” personal information to third parties located overseas.
If you choose to pay for the Service by credit card, Your credit card details are not stored by the Service and cannot be accessed by CreditorWatch staff. Your credit card details are encrypted and securely stored by Data Vault provided by Commonwealth Bank Of Australia to enable CreditorWatch to automatically bill your credit card on a recurring basis. You should review Data Vault by Commonwealth Bank of Australia to ensure you are happy with it.
It is Your responsibility to ensure that the personal information You provide to us is accurate, complete and up-to-date. You may request access to the information we hold about You, or request that we update or correct any personal information we hold about You, by setting out Your request in writing and sending it to us at firstname.lastname@example.org
CreditorWatch will process Your request as soon as reasonably practicable, provided we are not otherwise prevented from doing so on legal grounds. If we are unable to meet Your request, we will let you know why. For example, it may be necessary for us to deny Your request if it would have an unreasonable impact on the privacy or affairs of other individuals, or if it is not reasonable and practicable for us to process Your request in the manner You have requested. In some circumstances, it may be necessary for us to seek to arrange access to Your personal information through a mutually agreed intermediary (for example, the Subscriber).
We’ll only keep Your personal information for as long as we require it for the purposes of providing You with the Service. However, we may also be required to keep some of Your personal information for specified periods of time, for example under certain laws relating to corporations, money laundering, and financial reporting legislation.
In providing the Service, CreditorWatch utilises "cookies". A cookie is a small text file that is stored on Your computer for record-keeping purposes. A cookie does not identify You personally or contain any other information about You but it does identify Your computer.
We and some of our affiliates and third-party service providers may use a combination of “persistent cookies” (cookies that remain on Your hard drive for an extended period of time) and “session ID cookies” (cookies that expire when You close Your browser) on the Website to, for example, track overall site usage, and track and report on Your use and interaction with ad impressions and ad services.
You can set your browser to notify You when You receive a cookie so that You will have an opportunity to either accept or reject it in each instance. However, You should note that refusing cookies may have a negative impact on the functionality and usability of the Website.
We do not respond to or honour “Do Not Track” requests at this time.
CreditorWatch sends billing information, product information, Service updates and Service notifications to You via email. Our emails will contain clear and obvious instructions describing how You can choose to be removed from any mailing list not essential to the Service. CreditorWatch will remove You at Your request.
If You wish to complain about how we have handled Your personal information, please provide our Privacy Officer with full details of Your complaint and any supporting documentation:
Our Privacy Officer will endeavour to:
CreditorWatch reserves the right to change this Policy at any time, and any amended Policy is effective upon posting to this Website. CreditorWatch will make every effort to communicate any significant changes to You via email or notification via the Service. Your continued use of the Service will be deemed acceptance of any amended Policy.
Axiom Group (“we”, “our” or “us”) is legally obliged to comply with the Australian Privacy Principles (“Principles”) which are contained in the Privacy Act 1988 (Cth).
The Principles govern how we collect and use your personal information. ‘Personal information’ means information or an opinion that identifies you or could be readily used to identify you.
In this policy we will inform you about:
· the kind of personal information we collect;
· how we collect, hold, use and disclose your personal information;
· how you may access your personal information and request corrections to the information held by us; and
· how you may complain about possible breaches of privacy.
1. Personal information we collect
We will only collect information relevant to our business relationship with you. The information we collect will include contact details, personal details, financial information and information about your dealings with us. We will not collect any sensitive information, such as information relating to your health, political opinions, race and religion, unless this is necessary and you consent to the collection of the information.
2. How we collect your personal information
We may collect personal information from you in the course of providing our services to you. We have an obligation to only obtain solicited personal information about you directly from you. If it is unreasonable to obtain the information directly from you we may obtain it from other sources but we must take steps to ensure that you are aware that we have collected your information and what we intend to do with it. If we receive unsolicited information about you we will, within a reasonable period, assess whether we would have been allowed to collect this information under the Principles. If we would not have been allowed to collect the information and the information is not contained in a Commonwealth record, we will destroy the information or ensure that it is de-identified as soon as practicable. If we are allowed to retain the unsolicited personal information, we will take reasonable steps to make you aware of certain matters such as our identity, the purpose for which the information has been collected, how you make access the information and whether we are likely to disclose the information.
3. Use and disclosure of your personal information
We will only use your personal information for the following purposes:
· to provide you with products and services that you may request;
· to carry out marketing and sales activities which relate to our business; and
· to fulfil our legal requirements (for example, disclosure to law enforcement agencies or the courts).
We must not use disclose your personal information for a purpose other than the purpose for which it was collected (“the primary purpose”) unless you consent or the purpose is related to the primary purpose and you would reasonably expect us to use or disclose the information for that purpose. We may share your personal information with companies related to us. We are unlikely to disclose your personal information to overseas recipients. If this changes we will update our policy and will advise the countries where overseas recipients are likely to be located.
4. Opting out
At any time you may opt out of receiving information from us or request that we not disclose your personal information to other organizations for the purpose of direct marketing by them. You may do this by emailing us at email@example.com or telephoning us on 1300 652 336. We will act promptly on any such request.
We will take reasonable steps to:
· ensure that your personal information is accurate, up-to-date and complete;
· protect your personal information from misuse, interference and loss;
· protect your personal information from unauthorised access, modification or disclosure; and
· to the extent allowed by law, destroy or de-identify your personal information once it is no longer required by us.
6. Your access to the personal information we hold about you
You may request access to the personal information we hold about you and request corrections if necessary. This right is subject to some exceptions, for example, you may not obtain access to information relating to existing or anticipated legal proceedings. We will respond to your request within a reasonable time. We will provide access free of charge unless the information you request requires significant research or preparation time, for example, if records need to be retrieved from archives. If that is the case, we will tell you how much this service will cost before we incur the cost.
If you have concerns that we may have breached your privacy, please email us at firstname.lastname@example.org or telephone us on 1300 652 336 so we can address your concerns. Alternatively you may file a complaint with the Australian Information Commissioner via its website at http://www.oaic.gov.au/.
This policy is current as at 25 February 2013.