Depending on the nature of our arrangements with you, Hertz Australia Pty Ltd trading as Ace Rental Cars (Ace or we) may be considered to be providing you with 'credit' and fall within the definition of a 'credit provider' under the Privacy Act 1988 (Cth) (Privacy Act), and the Credit Reporting Code (Code) registered under that Act.
We generally provide commercial credit to approved companies, partnerships and sole traders who apply for a commercial credit account with us. In order to assess applications for commercial credit and to administer those accounts, we may collect, hold, use and disclose credit and related 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.
Some of our businesses may also provide consumer credit by deferring payments on our rentals for 7 days or more. This document explains our policy in relation to the management of credit information and credit eligibility information.
The kinds of credit and related information that we collect and hold are:
Hertz collects, holds, uses and/or discloses credit and related information about you of assessing:
Ace may generally disclose to Veda, Dun & Bradstreet and Experian the following information about you:
Veda, Dun & Bradstreet, Experian, or any other credit reporting body to whom Ace discloses your credit information, may include your personal information, including credit information, disclosed to it by Ace, in reports that are then provided to other credit providers for the purpose of those providers assessing your credit worthiness, including in relation to consumer credit.
For how credit reporting agencies manage credit-related personal information, see details below:
Please note that you can contact credit reporting bodies directly to request that it does not use credit reporting information about you for the purpose of pre-screening of direct marketing by a credit provider, or that it does 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.
In order to ensure you have access to the most up-to-date credit and related information about you, you should consider requesting access to the information which credit reporting bodies hold about you.
Generally you are also entitled to access the credit eligibility information which Ace 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 will endeavour to respond to all requests for access within 30 days of the request. Please note that we may need to charge you our reasonable costs of providing you with access.
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. You will need to provide evidence to confirm your identity before we can make any corrections.
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 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 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 and Investments Ombudsman Ltd, which runs an external dispute resolution scheme approved by the OAIC which Hertz is a member of, by calling 1800 138 422, visiting http://www.cio.org.au/ or emailing [email protected]
The Office of the Australian Information Commissioner (OAIC) by calling 1300 363 992, or visiting the OAIC website at http://www.oaic.gov.au/.
PO BOX 6848
ST KILDA RD CENTRAL
Melbourne, VIC 8088
From time to time it may be necessary for us to update our credit policy. We may notify changes to our credit policy by posting an amended version on our website and the changes will take effect at this time. Our credit policy is available on our website.
Last updated: April 2016