How We Manage Credit And Related Information
Credit excludes residents of VIC, NSW, WA, and SA.
Sportsbet is a credit provider within the meaning of the Privacy Act 1988 (Cth) (Privacy Act), and the Credit Reporting Code registered under the Privacy Act. We provide credit to approved individuals who apply for a credit facility on their Sportsbet Account. In order to administer those facilities, we may collect, hold, use and disclose credit and credit eligibility information about you. We may collect this information from you, a credit reporting body, another credit provider, our appointed agents (such as debt collectors), publically available sources, or from our own records. This document explains our policy in relation to the management of credit information and credit eligibility information.
The kinds of credit and credit eligibility information that we may collect and hold about you are:
- identification information such as your name, date of birth, sex, address(es), employment details and driver's license number;
- that you have applied for credit with Sportsbet or other credit providers and the amount of credit applied for;
- that Sportsbet, or another credit provider, is a current credit provider of yours and details of the type, characteristics and amount of credit provided to you;
- information regarding the fact that Sportsbet has accessed your consumer credit information in connection with its assessment of an application for credit;
- details of you defaulting on a repayment being at least 60 days overdue and over $150 in value;
- information regarding you having paid any amount previously reported as being in default;
- information regarding whether you have entered into a new arrangement with Sportsbet or another credit provider in relation to credit provided to you by Sportsbet or another credit provider;
- details of credit provided to you by Sportsbet or another credit provider being paid or otherwise terminated;
- personal insolvency information, court judgments or other publically available information about you;
- information regarding an opinion of Sportsbet, or another credit provider, that you have committed a serious credit infringement in relation to consumer credit provided to you by that credit provider; and
- information that we obtain from credit reporting bodies about you such as reports, records, credit scores or assessments and any information that we then derive from that information which has a bearing on your creditworthiness, and which may be used in establishing you eligibility for consumer credit (such as internal credit scores, assessments, summaries or evaluations).
Sportsbet collects, holds, uses and/or discloses your credit and credit eligibility information to assess your application, and open and manage your credit facility with us. We may also collect, hold, use or disclose this information to:
- assess creditworthiness;
- provide to our agents or debt collectors for the purpose of collecting overdue payments,
- notify credit reporting bodies or other credit providers of a default or serious credit infringement;
- assist or seek to assist you to avoid defaulting on repayment obligations;
- exchange information with credit reporting bodies in particular Veda Advantage Information Services and Solutions Limited (Veda), Dun & Bradstreet (Australia) Pty Ltd (Dun & Bradstreet) or other credit providers as to the status of credit arrangements where you are in default with other credit providers; and/or
- comply with our obligations under Australian law, including under the Privacy Act, various gambling regulations and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
Disclosure to and by credit reporting body
Sportsbet may generally disclose to Veda (and/or Dun & Bradstreet) the following information about you:
- identification details;
- that you have applied for credit with Sportsbet and the amount of credit required;
- that Sportsbet is a current credit provider to you;
- whether you have met, or failed to meet, your repayment obligations to Sportsbet;
- details of you defaulting on a repayment (i.e. a repayment that is at least 60 days overdue and over $150 in value) provided Sportsbet has notified you as required by the Privacy Act;
- you having paid any amount previously reported as being in default;
- Sportsbet's belief, on reasonable grounds, that you have committed a serious credit infringement; and
- details of credit that Sportsbet has provided to you being paid or otherwise terminated.
Veda, Dun & Bradstreet or any other credit reporting body to whom Sportsbet discloses your credit information, may include your personal information including credit information, disclosed to it by Sportsbet, in reports that are then provided to other credit providers for the purpose of those providers assessing your credit worthiness.
In order to ensure you have access to the most up-to-date information, you should consider requesting access to the information which credit reporting bodies hold about you.
However generally you are also entitled to access the credit eligibility information which we hold about you. You can do this by contacting us on the details below. You will need to provide evidence to confirm your identity before we can provide access. We may charge you our reasonable costs of providing you with access. We will generally respond to all requests for access within 30 days of the request.
We may, however, refuse a request for access where providing access would be unlawful, where we are required or authorised to do so by or under an Australian law or court/ tribunal order, or where giving access would be likely to prejudice enforcement related activities by or on behalf of an enforcement body. If we refuse your request, we will notify you in writing of our reasons (unless it would be unreasonable to do so) and explain how you can take the matter further.
You are also able to request corrections to the credit information and credit eligibility information which we hold about you by contacting us on the details below. If we are satisfied that the information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take reasonable steps to correct the information within 30 days of your request, or another period we agree with you in writing. In considering your request, we may need to consult with a credit reporting body or other credit provider that holds or held the relevant information about you. If we correct your information we will confirm this in writing (and we will also notify any credit reporting body or credit provider with whom we have consulted in relation to the correction). If we are not satisfied that a correction is required, we will confirm this in writing and explain why, including evidence showing the information is correct. We, will also explain what you can do if you are not satisfied with our response.
We also have obligations to take reasonable steps to correct information independently of any request from you, where we are satisfied that, having regard to the purpose for which it is held, the information is inaccurate, out-of-date, incomplete, misleading or irrelevant.
If you are concerned that we may not have acted in accordance with our obligations as a credit provider under the Privacy Act or the registered Credit Reporting Code, please contact us on the details below. You will need to specify the nature of your complaint in writing. We will, within 7 days, acknowledge your complaint in writing and explain how we will deal with and investigate it. Depending on the nature of your complaint and the information to which it relates, we may need to consult with and/or notify particular credit reporting bodies or other credit providers.
We will make a decision about your complaint following our investigation, and will advise of this in writing within 30 days or such longer period as we agree with you in writing. If you are not satisfied with our decision, you can take your complaint to:
the Credit Ombudsman Service Limited (COSL) by calling 1800 138 422, or visiting the COSL website at http://www.cosl.com.au
the Office of the Australian Information Commissioner (OAIC) by calling 1300 363 992, or visiting the OAIC website at http://www.oaic.gov.au/
How to contact us
Sportsbet Pty Ltd
PO Box 3207
Darwin NT 0801
Tel: +61 8 8982 6334
Credit reporting bodies used by Sportsbet
The credit reporting bodies that we deal with are Veda and Dun & Bradstreet, who can be contacted on the following details:
Veda - Public Access
Veda Advantage Ltd
PO Box 964
NORTH SYDNEY NSW 2059
For Veda's policy on how it manages credit-related personal information, see Veda's website at www.veda.com.au/privacy.
Dun & Bradstreet (Australia) Pty Ltd
Level 7, 479 St Kilda Road
MELBOURNE, VIC 3000
For Dun & Bradstreet’s policy on how it manages credit-related personal information, see Dun & Bradstreet’s website at http://dnb.com.au/Header/About_Us/Legal/Privacy_policy/index.aspx.
Please note that you can contact Veda and Dun & Bradstreet directly to request that they do not use credit reporting information about you for the purpose of pre-screening of direct marketing by a credit provider, or that they do not use or disclose credit reporting information about you if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.
Last Updated: April 2014