At Laybyshop it is important to us that we manage your personal information securely and consistently with relevant legislation, including the Privacy Act 1988 (Cth) (‘Privacy Act’).
This Policy outlines how Laybyshop ABN: 58 630 039 075 and related companies (“we/us”) collect, disclose, use, store or otherwise handle personal information.
This Policy explains:
- The kinds of personal information (including credit-related information) we collect, and the purposes for which we do that;
- How we manage the personal information that we collect about you;
- How you can seek access to and correction of that information;
- If necessary, how you can make a complaint relating to our handling of that information.
This Policy is not limited to current customers but to all individuals who deal with us.
1.1 Laybyshop is a part of Uniqorn Lifestyle Pty Ltd company which operates across Australia. We provide electronic and household goods to customers under layby arrangements.
1.2 We are governed by the Australian Privacy Principles under the Privacy Act. These set out the way organisations and government agencies can collect and use, disclose and provide access to personal and sensitive information.
(a) Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether it is true or not. It may include, for example, your name, age, gender, contact details and bank account details.
(b) Sensitive information as defined by the Privacy Act 1988 (as amended) is also personal information but relates to your opinions, views, racial or ethnic origin, political options or affiliations, religious beliefs, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices or criminal record or health, genetic, biometric information or biometric templates.
- WHY WE COLLECT AND USE PERSONAL INFORMATION
2.1 At Laybyshop we take your personal privacy seriously. We may collect personal information about you:
(a) because you have provided it directly to us, for instance, contact details, date of birth, and credit card numbers or bank account details;
(b) because an applicant for a layby product (or products) has provided your details to us as a personal referee;
(c) because a recruiter or other similar service provider has provided your details to us in relation to a position working with us;
(d) to process your option to purchase application and/or request for services;
(e) to provide you with the most appropriate services for your needs;
(g) because you provide services or goods to us;
(h) for purposes directly related to any of the above and any of our services;
(i) to provide follow-up on information regarding Laybyshop, including responding to comments or questions or providing our services to you;
(j) to meet any requirements of government funding for programs including receiving, collecting and collating de-identified statistical information;
(k) to monitor and evaluate existing services and plan for future services; and
(l) if we are required to share your information with government or regulatory bodies, as required or authorised by law.
2.2 We only use your personal information for purposes that are directly related to the reason it was provided to us in the first place and where you would reasonably expect us to use your information. This may include sharing your personal information with other service providers (including delivery service providers, marketing service providers, IT product and service suppliers and our direct debit banking merchants.)
2.3 Examples of where we might collect and use personal or sensitive information include:
(a) Processing your application and request/s for products and/or services;
(b) Considering your eligibility for our products and/or services;
(c) Administering your account including requests and the provision of products and/or services;
(d) Providing reports on your product and/or services activities as requested by you;
(e) Delivering products and/or services to you via the post where our employees and/or a Service Provider will need to know at a minimum your name and address in order to deliver the services and products;
(f) Letting you know of special offers or discounts from us or our partner organisations that are available to you; and
(g) Considering a job application or resume you send to us.
2.4 We may share your information with government or regulatory bodies (such as the Australian Tax Office and ASIC) as required or authorised by law. These agencies may also share this information with organisations or agencies outside Australia.
- HOW WE COLLECT INFORMATION
3.1 Whenever possible, we will collect personal information directly from you unless unreasonable or impractical for us to do so.
Laybyshop may also collect personal information in a variety of ways, including but not limited to when you:
(a) use our website;
(b) phone us;
(c) write to us;
(d) email us;
(e) visit us in person ;
(f) provide feedback to us; and
(g) purchase or use our products and/or services.
3.2 There are certain instances in which we will collect information about you from third parties where it is unreasonable or impracticable to collect it directly from you. For example, we may collect your personal information from an individual who provides your details as a person referee or from a recruiter proposing you for a position with us.
- DISCLOSURE OF PERSONAL INFORMATION
4.1 Disclosure of personal information to third parties
We will not disclose your personal information to another person unless you have given consent or if one of the exceptions under the Privacy Act applies. Where possible, the information that could reasonably identify you as an individual is first removed.
Except as set out above, Laybyshop will not disclose your information to a third party unless one or more of the following applies:
(a) you have given your consent for us to do so;
(b) you would reasonably expect us to use or give that information for another purpose related to the purpose for which it was collected (or in the case of sensitive information – directly related to the purpose for which it was collected);
(c) it is otherwise required or authorised by law;
(d) it will prevent or lessen a serious threat to somebody’s life, health or safety or to public health or safety;
(e) it is reasonably necessary for us to take appropriate action in relation to suspected unlawful activity, or misconduct of a serious nature that relates to our functions or activities;
(f) it is reasonably necessary for the enforcement of a law conducted by an enforcement body.
(a) Customer Records:
Laybyshop maintains records of all customers including financial information which may need to be shared with financial institutions, government or regulatory bodies from time to time.
(b) Product Delivery:
Our products may be delivered to you by a third-party courier organisation. In order to deliver these products, we will have to disclose your name, address and, in some circumstances (such as with dangerous or hazardous materials), the nature or contents of the package.
- DISCLOSURE OF INFORMATION TO THIRD PARTIES OVERSEAS
5.1 We may disclose personal information to our service providers that are based overseas including our IT product and service suppliers and our direct debit banking merchants. We undertake to protect your personal information by ensuring the country in which those providers are located has similar protections in relation to privacy, or that we enter into contractual arrangements with the organisation or agency to ensure the protection of your privacy.
- CAN I REMAIN ANONYMOUS?
6.1 It is your choice to provide information to us. Wherever it is lawful and practicable, you have the option not to identify yourself or to use a fictional name when interacting with us. You can remain anonymous when using some parts of our website, or sites administered by us.
6.2 It may be necessary for us to collect your personal or sensitive information if you would like certain products or services. If you choose to withhold the information we require, we may not be able to provide you the products or services you have requested.
- SECURITY AND STORAGE OF YOUR INFORMATION
7.1 We store your information in a number of ways including physically (such as in paper form) or electronically with third-party data storage providers. Your privacy and the security of your information is very important to us so where we store your information with third-party providers, we will enter into contractual arrangements with those providers to ensure they take appropriate measures to protect your information.
7.2 We take appropriate steps to protect your personal and sensitive information held by us from misuse, interference, unauthorised access, modification, loss or disclosure. This includes storage, collection, processing and transfer and destruction of the information. These steps include but are not limited to:
(a) ensuring our computer systems and websites have security systems in place such as up-to-date firewall and data encryption;
(b) maintaining security systems and monitoring of our premises;
(c) implementing confidentiality agreements with our employees and contractors, sub-contractors, service providers and their agents;
(e) maintaining document storage security policies and procedures; and
(f) implementing verification procedures for all inquiries/transactions to ensure only authorised people can access personal information.
7.3 Our website may contain links to external websites. We recommend that you review the privacy policies of those external websites as we are not responsible for their privacy practices.
- HOW TO ACCESS AND CORRECT YOUR INFORMATION
8.1 We will take reasonable steps to ensure that all personal information we collect, use or disclose is accurate, up-to-date, complete, relevant, and not misleading.
8.2 We will correct any personal information that we believe to be incorrect, out-of-date, incomplete, irrelevant or misleading. This may include taking reasonable steps to notify any organisation or government agency to which information was disclosed about the correction. You may request to access or correct your personal information at any time by contacting the Privacy Officer using the contact details below. We will give you access to your information unless one of the exceptions under the Privacy Act applies.
8.3 If you request to access or correct your information, we will respond within a reasonable time (usually within 30 days). If your request is refused, we will give you a written notice that sets out the reasons for refusal and how to complain about the decision.
- DIRECT COMMUNICATIONS AND PROMOTIONAL MATERIALS
9.1 From time to time, we may send out promotional materials and information from government departments or other third parties.
9.2 If you do not wish to receive these communications, please contact us to unsubscribe from that mailing list.
9.3 Your information may also be used by us to provide you with details of other organisation’s services where permitted by the Privacy Act or where you have consented to the use or disclosure of your personal information for direct communications and promotional materials.
9.4 It is our policy that any direct communications or promotional material will include a statement advising that you can request to not receive further material from us by contacting us using the details provided. Please note that if you choose this option this will also prevent you receiving offers of discounts and notices of upcoming promotions as well as other informational materials relating to our products.
10.1 The Laybyshop website and sites administered by us use software known as ‘cookies’ to record your visit to the website and collect some statistical information.
We use this information to help administer and improve our websites. We do not use this information to personally identify you.
Information we may collect includes:
(a) your computer’s IP address;
(b) your domain name;
(c) the date and time or access to the website;
(d) pages accessed and documents downloaded;
(e) the previous site visited;
(f) if you have visited the website before; and
(g) the type of browser software in use.
10.2 You may set your browser to disable cookies when visiting our websites. However, some website functions may be unavailable if you choose to do so.
- COMPLAINTS AND ENQUIRIES
12.2 If you consider your privacy concerns have not been resolved satisfactorily by us, or you wish to obtain more information on privacy requirements, you can contact The Office of the Australian Information Commissioner on 1300 363 992 or visit their website at www.oaic.gov.au..
- CONTACTING US
13.1 Phone (02) 9160 3416, Email: email@example.com
13.3 By Post: Laybyshop, Angel Place Level 17, 123 Pitt St, Sydney NSW 2000