Credit reporting policy

TaleFin Pty Ltd (ACN: 644 262 742) operates a credit reporting business and is a credit reporting body (CRB) in relation to consumer credit under Part IIIA of the Privacy Act 1988 (the Act).  This policy, in conjunction with our privacy policy, explains how we collect, hold, use and disclose your credit reporting information.

Credit Reporting Policy

What kinds of personal information do you collect?

We may collect the following credit information:
    a. Identification information including:
        i. full name,
        ii. previous name or alias
        iii. address
        iv. previous address
        v. date of birth
        vi. driver license number
        vii. and other identifying document numbers
    b. Consumer credit liability information including:
        i. Credit provider name
        ii. Type of credit
        iii. Term of credit contract
    c. Repayment history
    d. Default information – where applicable
    e. Serious credit infringements – where applicable
    f. New arrangement information​We do not collect any of the following:
    a. Racial or ethnic origin
    b. Political opinions or associations
    c. Religious beliefs
    d. Sexual orientation or practices
    e. Criminal Records

How do you collect  my information?

We disclose information stored in accordance with the Privacy Act to support customers to:
   - Meet compliance obligations
   - Assess risk when proving credit
   - Protect you against fraud

Customers who view your credit report have declared that they are doing so only after having received consent from you.

Who we disclose your information to

We disclose information stored in accordance with the Privacy Act to support customers to:
   - Meet compliance obligations
   - Assess risk when proving credit
   - Protect you against fraud

Customers who view your credit report have declared that they are doing so only after having received consent from you.

How do we hold your information?

Once collected TaleFin holds the information in accordance with the Privacy Act.​ To protect the information from misuse, interference and loss, we deploy a variety of tools, techniques and practices including:
    a. A layered physical security technical approach to ensure that only authorised parties have access to the information.
    b. Monitoring on devices to log and ensure no unauthorised access is permitted.
    c. Access being restricted to essential staff only, and that training for those members of staff are provided.
    d. A compliance management plan has been implemented to ensure that practices are regularly reviewed to ensure that compliance obligations are up-to-date.

How do we use and disclose your information?

We disclose information stored in accordance with the Privacy Act to support customers to:
    a. meet compliance obligations
    b. assess risk when proving credit.
    c. protect consumers against fraud. ​Customers who view your credit report have declared that they are doing so:
    a. Only after having received consent from you.
    b. And for the purpose of providing you with credit.

Preventing fraud

Consumers who choose to engage with TaleFin will be notified whenever a change is made to their credit file. This will allow consumers to actively engage with their credit file, and manage any issues if and when they arise. 

In the event that the consumer believes that they are a victim of, or likely to be a victim of, Fraud or Identity Theft, the Privacy Act allows the consumer to place a Ban on their file. 

To place a Ban on your file, TaleFin has provided a page for you to provide information that will allow us to effectively identify you.

Having received the request, TaleFin will not provide any credit reporting information to our customers for 21 days. 

TaleFin will notify you via email before the 21 day period expires. During the 21 day period you may:
    a. Authorise a specific credit provider to access your credit file
    b. Apply to extend your Ban period for another 21 days.
    c. Apply to remove a current Ban immediately.

How do I access my information?

You may at any time access information that we have about you by:
a. Identifying yourself via our website here
b. Registering an account that will allow you to be identified in the future
c. Logging in at any time to access your information.

How do I correct my information?

 If you believe that inaccurate or incorrect information has been provided to us, we encourage you first to engage with your credit provider to provide them with an opportunity to correct the information on their system and ours.
Failing that, to correct your information, please register and identify yourself here and you’re your information as described above in 10.
Information provided will be reviewed, and where applicable an investigation will take place:
    a. Through our investigation, we may contact you to seek additional information or clarification.
    b. We will also be in touch with the entity that provided your information for further clarification.
For requests that require investigation, we will respond to you in writing, the outcome of the investigation and where applicable will immediately make the resultant corrections.
In the event that the Credit Provider and Lend Guard have failed to meet your satisfaction you may contact:
    a. Australian Financial Complaints Authority (AFCA) here:
            w: https://www.afca.org.au
            e: info@afca.org.au
            t: 1800 931 678
            m: GPO Box 3, Melbourne Vic 3000
    b. Office of the Australian Information Commissioner (OAIC) here:
            w: https://www.oaic.gov.au
            e: enquiries@oaic.gov.au
            t: 1300 363 992
            m: GPO Box 5218, Sydney NSW 2001