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Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Kiwe International Pty Ltd’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘Kiwe International Pty Ltd’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is Unit 8, 1A Southpark Close, Keysborough VIC 3173. Our ABN is 62 628 671 036. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

• The content of the pages of this website is for your general information and use only. It is subject to change without notice.
• Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
• All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
• Your use of this website and any dispute arising out of such use of the website is subject to the laws of Australia.

POLICY VERSION: P181211

Your rights in relation to privacy

Kiwe International Pty Ltd (KIWE) understands the importance of protecting the privacy of an individual’s personal information and is committed to protecting your privacy.

This statement sets out how KIWE aims to protect the privacy of your personal information, your rights in relation to your personal information managed by KIWE and the way KIWE collects, holds, uses and discloses your personal information. This policy statement may be updated from time to time.

In handling your personal information, KIWE will comply with the Privacy Act 1988 (Cth) (Privacy Act) and with the 13 Australian Privacy Principles in the Privacy Act. To the extent KIWE handles your credit related personal information, KIWE will also comply with the Credit Reporting Code as registered with the Australian Information Commissioner.

 

What kinds of personal information does KIWE collect?

Personal information is information or an opinion about an identified, or reasonably identifiable, individual. During the provision of its services, KIWE may collect your personal information.

Generally, the kinds of personal information KIWE collects are:

• contact and identification information such as your name and previous names, address and previous addresses, telephone number, email address, facsimile number, date of birth, gender

• employment information such as your current and previous places of employment;

• banking details and/or credit card details where necessary to facilitate direct debit payments;

• information about your computer hardware and software, including IP addresses, domain names, access times and accessed website addresses to the extent this information constitutes personal6 information;

• credit information, where relevant to KIWE’s assessment of an application to become a KIWE authorised reseller, including where you have applied to guarantee any payments under such a dealer account, being credit-related personal information lawfully created and accessible within the Australian credit reporting system including:

• identification information;
• consumer credit liability information which includes information about credit providers and credit accounts, including the dates on which the accounts are opened and closed, their terms and conditions (or changes to the terms and conditions) and the maximum limit of credit available under an account;
• information about your repayment history, including whether you have made payments when due, and if not, when overdue payments have been made;
• whether you have defaulted on a payment (ie. a payment that is at least 60 days overdue and over $150 in value);
• whether you have paid any amount previously reported as being in default;
• information about any debt collection activities which is carried on by any mercantile agents.
• information about other credit providers having sought credit-related information about you from a credit reporting body;
• information about the types of consumer or commercial credit, and the amounts of credit, you have sought in an application;
• information about court proceedings that relate to credit provided to you or for which you have applied;
• information regarding your land title holdings and valuations of such land;
• personal insolvency information about you;
• publicly available information relating to your credit worthiness;
• information about a credit provider’s opinion that you have committed a serious credit infringement in relation to consumer credit provided by that credit provider to you;
• any other information lawfully obtainable within the Australian credit reporting system;
• credit eligibility information which is credit related information about you that KIWE obtains from the following credit reporting bodies (collectively, the CRBs):
• Veda Advantage Information Services and Solutions Limited (Veda Advantage);
• Dun & Bradstreet (Australia) Pty Ltd (Dun & Bradstreet); and
• National Credit Insurance (Brokers) Pty Ltd (NCI), (the details of which are set out in paragraph 5);
• any additional information KIWE derives from credit eligibility information based on its own analysis including through an internal scoring process to assess credit worthiness. KIWE generally receives from the CRBs credit related personal information including, but not limited to, information relating to credit worthiness, credit standing, credit history or credit capacity and the information set out above; and
• sensitive information including criminal record information where you are applying for a position with KIWE and where relevant to KIWE’s assessment of whether you are able to perform the inherent requirements of the particular role. In some circumstances KIWE may also hold other personal information provided by you.

 

How does KIWE collect personal information?

Generally, KIWE collects your personal information directly from you, through the completion of a manual or online form, including a dealer application form, other interaction or exchange in person or by way of telephone, facsimile, email, post or through the use of the KIWE website. There are also occasions when KIWE collects your personal information, including credit related personal information, from other sources such as from:

• your employer, where necessary for KIWE to provide its products and/or services to your employer through you;
• the CRBs (or any other credit reporting body);
• the completion of an application form by another person or entity that lists you as a director, guarantor or trade reference, or an accountant or banker of that person or entity;
• another credit provider or banker;
• an information services provider;
• a publicly maintained record or other publicly available sources of information including social media and similar websites;
• KIWE’s own records about you, from which KIWE may internally generate its own scores, assessments or deductions, particularly in relation to your credit worthiness; and
• if for recruitment purposes, an external recruitment or background screening services provider.
• KIWE vendor partners reports or events

 

Generally, KIWE will only collect your personal information from sources other than you if it is unreasonable or impracticable to collect your personal information from you.

 

Why does KIWE need your personal information?

KIWE collects, holds, uses and discloses your personal information, including credit related personal information, where it is reasonably necessary for the purposes of:

• identification;
• distributing computer and telecom products throughout Australia, including to you or your employer and operating the KIWE website;
• providing general statistics regarding use of the KIWE website in order to deliver customised content and advertising to customers whose behaviour indicates an interest in a particular subject area, where they have consented to receive such advertising;
• processing an application made by you or your employer, for example, for credit, including a reseller account and if successful, administering that account;
• to notify credit providers of your credit history, including relating to defaults;
• to access information related to your credit worthiness and to evaluate and monitor your credit worthiness, including through internal credit scoring;
• servicing your customer account, responding to queries by you or your employer and maintaining a relationship with you;
• conducting market research and/or customer satisfaction research;
• facilitating and processing payments relating to you;
• facilitating appropriate insurance cover and assessing, processing and investigating insurance risks and/or claims relating to you;
• accounting, billing, record keeping, systems development testing, staff training and/or other internal administrative purposes;
• identification, prevention and investigation of, and/or co-operation with relevant law enforcement bodies in relation to, any criminal or fraudulent activity relating to you;
• developing, establishing and administering business partnerships and other arrangements with other entities in relation to the promotion, administration and use of KIWE’s products and services;
• identifying and informing you of products and services that may be of interest to you from KIWE or selected third parties;
• identifying and informing you of events and training that may be of interest to you from KIWE or selected third parties;
• assessing your application for employment with KIWE or otherwise for the purposes of engaging you as a contractor or consultant;
• debt collection; and
• any other legal or regulatory requirements.

 

KIWE may also use your personal information for purposes related to the above and for which you would reasonably expect KIWE to do so in the circumstances, or where you have consented or the use is otherwise in accordance with law. Where personal information is used or disclosed, KIWE takes steps reasonable in the circumstances to ensure it is relevant to the purpose for which it is to be used or disclosed. You are under no obligation to provide your personal information to KIWE. However, without certain information from you, KIWE may not be able to provide its products and/or services to you or your employer.

 

KIWE encourages you to review the privacy statements of web sites you choose to link to from the KIWE web site so that you can understand how those web sites collect, use, disclose and otherwise handle your information. KIWE is not responsible for the privacy statements or other content on web sites outside of the KIWE web site.

 

To whom does KIWE disclose your personal information?

KIWE discloses your personal information for the purposes for which KIWE collects it. That is, generally, KIWE will only disclose your personal information for a purpose, or purposes, set out at paragraph 4. This may include disclosing your personal information to:

 

• third parties engaged to perform administrative or other services, including delivery companies and mailing houses;
• entities who perform statistical analysis on behalf of KIWE;
• vendors or entities who perform sales out report and sales analysis;
• people or entities considering acquiring an interest in KIWE’s enterprise or assets;
• KIWE’s professional advisors, contractors, consultants and related bodies corporate;
• insurance providers, insurance brokers and insurance underwriters;
• mercantile agents;
• debt collection providers;
• guarantors or prospective guarantors;
• credit providers;
• the CRBs; and
• regulatory bodies.

 

In particular, KIWE may disclose to the CRBs and other credit reporting bodies information about you failing to meet your payment obligations or if you commit a serious credit infringement. Such credit reporting bodies may include any information provided by KIWE in reports provided to other credit providers for the purpose of such credit providers assessing your credit worthiness. Such disclosures are always on a confidential basis or otherwise in accordance with law. KIWE may also disclose your personal information with your consent or if disclosure is required or authorised by law.

 

Veda Advantage can be contacted:

• in writing to: Veda Public Access, PO Box 964, NORTH SYDNEY  NSW 2059;

• by ordering an online copy of credit reporting information Veda Advantage holds about you; or

• through www.veda.com.au/understanding-your-credit-file

• Veda Advantage’s policy on its management of credit related personal information can be accessed through its website at: http://www.veda.com.au/

 

Dun & Bradstreet can be contacted:

• through its website at: http://www.checkyourcredit.com.au;

• via email at: PACaustral@dnb.com.au;or

• via Dun & Bradstreet’s Public Access Centre on 1300 734 806

• Dun & Bradstreet’s policy on its management of credit related personal information can be accessed through its website at: http://dnb.com.au/Header/About_Us/Legal/Privacy_policy/index.aspx

 

NCI can be contacted:

• in writing to: PO Box 33245, MELBOURNE VIC 3004; or

• via telephone on 1800 337 036.

• NCI’s policy on its management of credit related personal information can be accessed through its website at: https://www.nci.com.au/privacy.asp.

 

 

Overseas disclosure

KIWE discloses your personal information for the purposes for which KIWE collects it. That is, generally, KIWE will only disclose your personal information for a purpose, or purposes, set out at paragraph 4. This may include disclosing your personal information to:

Overseas recipients may have different privacy and data protection standards. However, before disclosing any personal information to an overseas recipient, KIWE takes steps reasonable in the circumstances to ensure the overseas recipient complies with the Australian Privacy Principles or is bound by a substantially similar privacy scheme unless you consent to the overseas disclosure or it is otherwise required or permitted by law. If you have any queries or objections to such disclosures, please contact KIWE’s Privacy Compliance Officer on the details set out in paragraph 11.

 

Direct marketing

KIWE may use and disclose your personal information in order to inform you of products, services, promotions and events that may be of interest to you. In the event you do not wish to receive such communications, you can opt-out by contacting KIWE via the contact details set out in paragraph 11 or through any opt-out mechanism contained in a marketing communication to you.

 

KIWE will not use or disclose credit-related personal information for direct marketing purposes except to the extent permitted under the Privacy Act, for the purpose of the CRBs assessing your eligibility to receive direct marketing communications sent on behalf of KIWE. You may make a request directly to the CRBs not to use your credit-related personal information for these credit related purposes.

 

Security of your personal information

KIWE takes steps reasonable in the circumstances to ensure that the personal information, including credit related personal information, it holds is protected from misuse, interference and loss and from unauthorised access, modification or disclosure. KIWE holds personal information in both hard copy and electronic forms in secure databases on secure premises (including through locks, firewalls, encryptions, such as the Secure Socket Layer protocol, log-ins and passwords, and other physical and network security measures as appropriate), accessible only by authorised staff. Credit eligibility information, such as information KIWE receives from the CRBs for the purpose of assessing credit applications, is stored through equally secure methods. Staff are bound by security policies and confidentiality agreements, which are regularly revised and re-issued.

KIWE will destroy or de-identify personal information (whether through shredding hardcopy documents or permanently deleting from its systems or de-identifying electronically-held information) in circumstances where it is no longer required, unless KIWE is otherwise required or authorised by law to retain the information.

If you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud, you may request the CRBs not to use or disclose credit related personal information they hold about you by contacting the CRBs on the details set out in paragraph 5.

 

Use of cookies

The KIWE website uses session ‘cookies’ which are text files placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

Cookies used by KIWE do not contain any of your personal information but enable us to recognise the number of times you access the KIWE website through your computer so that KIWE can tailor the information made available to you with the view to making your visit to the website easier, faster and more productive.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the KIWE services or web sites you visit.

 

Can you access and correct the personal information that KIWE holds about you?

KIWE takes steps reasonable in the circumstances to ensure personal information, including your credit related personal information, it holds is accurate, up-to-date, complete, relevant and not misleading. Under the Privacy Act, you have a right to access and seek correction of your personal information that is collected and held by KIWE. If at any time you would like to access or correct the personal information that KIWE holds about you, or you would like more information on KIWE's approach to privacy, please contact KIWE via the contact details set out in paragraph 11 below. KIWE will grant access to your personal information to the extent required or authorised by the Privacy Act or other laws and take steps reasonable in the circumstances to correct your personal information where necessary and appropriate. Where necessary to resolve a request for correction of your credit related personal information, KIWE may also consult with other relevant entities, including but not limited to the CRBs. KIWE’s use or disclosure of your credit related personal information to other entities for correction purposes is permitted by the Privacy Act.

To obtain access to your personal information:

• you will have to provide proof of identity to ensure that personal information is provided only to the correct individuals and that the privacy of others is protected;
• KIWE requests that you be reasonably specific about the information you require; and
• KIWE may charge you a reasonable administration fee, which reflects the cost to KIWE, for providing access in accordance with your request.

KIWE will endeavour to respond to your request to access or correct your personal information within 30 days from your request. If KIWE refuses your request to access or correct your personal information, KIWE will provide you with written reasons for the refusal and details of complaint mechanisms. KIWE will nevertheless take steps reasonable in the circumstance to provide you with access in a manner that meets your needs and the needs of KIWE.

If you are dissatisfied with KIWE’s refusal to grant access to, or correct, your credit related personal information, you may make a complaint to the Office of the Australian Information Commissioner.

 

How to contact us

For further information or enquiries regarding your personal information, or if you would like to opt-out of receiving any promotional communications, please contact KIWE's Privacy Compliance Officer at:

 

    Kiwe International Pty Ltd

    privacy@kiwe.com.au

    Tel: 0468 47 55 50

 

Privacy complaints 

Please direct all privacy complaints to KIWE’s Privacy Compliance Officer. At all times, privacy complaints:

• will be treated seriously;
• will be dealt with promptly;
• will be dealt with in a confidential manner; and
• will not affect your existing obligations or affect the commercial arrangements between you and KIWE.

Specifically, if your complaint relates to credit related personal information and/or KIWE’s failure to comply with its obligations regarding credit related personal information under the Privacy Act and/or the Credit Reporting Code:

• KIWE will acknowledge your complaint within 7 days of receipt and endeavour to resolve it within 30 days, unless KIWE informs you otherwise and seeks your agreement in writing;
• KIWE may consult with relevant third parties, such as the CRBs or other credit providers, in order to sufficiently and expeditiously resolve the complaint; and
• if your complaint relates to KIWE’s refusal to provide access to, or correct, your credit related personal information, you may complain directly to the Office of the Australian Information Commissioner.

KIWE’s Privacy Compliance Officer will commence an investigation into any complaint made by you to KIWE. You will be informed of the outcome of your complaint following completion of the investigation. In the event that you are dissatisfied with the outcome of your complaint or seek an extension to the time in which KIWE will resolve it, you may refer the complaint to the Office of the Australian Information Commissioner.