This information aims to inform customers of Cairns Bank how we deal with your personal information. It tells you about our credit reporting policy and how and when your information will be disclosed. It tells you of your rights under the Australian Privacy Act and what you can expect from us. If you have any questions or if anything is not clear, please talk to us.
We have a seperate Consumer Data Right Policy which sets out how we will share data under the Customer Data Right laws when authorised to do so.
Cairns Bank may collect your personal information:
In some circumstances, Cairns Bank may collect your personal information from a third party service provider. For example, Cairns Bank may collect, from the provider of a payments platform where your transactions are stored, information about the transactions you undertake. Cairns Bank collects this information in order to manage the service it provides to you. If you do not provide some or all information requested, Cairns Bank may be unable to provide you with a product or service. Cairns Bank will not collect sensitive information about you, such as health information, without your consent.
To facilitate transaction identification and to assist with the identification of suspicious or fraudulent transactions, your personal information and transaction details may be sent to countries other than Australia. By using your card, you agree that your personal information and transaction details may be sent overseas for the purposes of assisting with the identification of suspicious or fraudulent transactions or as required by law.
In accordance with the Privacy Act 1988 (Cth.), Cairns Bank must comply with the Australian Privacy Principles and any relevant code registered under that law.
We collect, hold and disclose the following types of credit related information:
We may collect, hold, use and disclose your credit-related information in order to:
We may collect credit-related information directly from your account application for credit. We also collect or confirm this information from a third party such as a credit reporting body, other credit providers, your employer, your accountant, solicitor or other personal representatives.
We keep the information that we hold about you secure to ensure that it is protected from loss, unauthorised access, use, modification or disclosure. Your information may be stored physically including in paper form or electronically. Our staff are obliged to respect the confidentiality of any information held by us.
We may obtain credit-related information about you from a credit reporting body.
We may disclose your credit-related information to credit reporting bodies. This includes overdrawn and loan accounts for more than $150. This will not occur until 60 days of default have elapsed.
Credit reporting bodies may include information provided by us in reports provided to other credit providers to assist them to assess your credit worthiness. Each credit reporting body has a policy for managing your credit-related information that you may access by contacting them.
In some cases a credit reporting body may use your credit related information for pre-screening your eligibility to receive direct marketing from us or other credit providers. If you do not want a credit reporting body to do this you should contact the credit reporting body.
We share credit-related information with Equifax, GPO Box 964, North Sydney NSW 2059. Tel 13 8332.
Where permitted by law, we may also share information with other third parties, including:
You have the right to lodge a complaint if you believe Cairns Bank has breached the Australian Privacy Principles or a relevant code.
For details on how you may complain about a breach and how Cairns Bank deals with complaints, please refer to our Financial Services Guide.
You may access and seek correction of the personal information Cairns Bank holds about you by contacting us by phone, in the branch or by email.