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2. Website content and access
While Pioneer Credit Connect endeavours to take reasonable care in preparing and maintaining the information on this website, it does not warrant the accuracy, reliability, adequacy or completeness of any of the website content. You acknowledge and accept that the website content may include technical inaccuracies and typographical errors. The website content is subject to change at any time without notice and may not necessarily be up to date or accurate at the time you view it.
It is your responsibility to enquire with us directly to ensure the accuracy and currency of the material or information you seek to rely upon. To the extent permitted by law, Pioneer Credit Connect disclaims all liability for loss directly or indirectly arising from your use of or reliance on the website and the website content.
Pioneer Credit Connect does not guarantee that access to the Pioneer Credit Connect website will be uninterrupted or that the website is free from viruses or anything else which may damage any computer which accesses the Pioneer Credit Connect website or any data on such a computer.
3. Limitation of Liability
To the maximum extent permitted by law Pioneer Credit Connect will not be liable in any way to you or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity arising out of your use or inability to use, or access, the website or any of the services or in relation to any content or information obtained through the website, whether or not this is caused by a negligent act or omission.
Pioneer Credit Connect does not accept liability for any acts or omissions of others, who may provide information and data used to compile the information featured on the website
4. Intellectual Property
The materials displayed on this website, including without limitation all editorial materials, information, photographs, illustrations, artwork and other graphic materials, and names, logos and trade marks, are the property of Pioneer Credit Connect and are protected by copyright, trade mark and other intellectual property laws. Pioneer Credit Connect does not grant any licence or right in, or assign any of its intellectual property rights in the content or applications incorporated into the Pioneer Credit Connect website, or in the user interface of the Pioneer Credit Connect website.
5. Licence of our Service
The Pioneer Credit Connect website may contain links to other websites operated, controlled or produced by third parties. Unless otherwise indicated, Pioneer Credit Connect does not control, endorse, sponsor or approve any such third party websites or their content nor does Pioneer Credit Connect provide any warranty to take any responsibility whatsoever for any aspect of those websites or their content.
6. Third Party websites
You may not copy or reproduce any underlying source code or software either in full or in part, nor attempt to in any way modify, copy, reproduce, upload, post transmit, distribute, alter, reverse engineer or de-compile in any way any material from the Site including the source code or software. You are not licensed to use or install any source code or software, other than as specifically authorised by us. We reserve the right to add, remove or vary any source code or software.
7. No advice service
Any information we provide is of a general and information nature only. We do not provide personal financial, legal or tax advice or credit assistance of any form. Any content featured on the website is of a general and informative nature only. You must consider your own individual financial circumstances before acting upon any of the information featured on the website. We encourage you to seek independent advice when considering applying for any product or service featured on the website.
8. Monitoring of Site Content
You acknowledge and agree that we have the right to monitor the Site and/or Site Content and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, or to protect itself or other users of the Site. We have no obligation to monitor content on the Site or to protect users of the Site.
We may monitor communications via the Site and may withdraw any communication services or facilities at any time. We reserve the right to restrict any activities on the Site that we deem to be in breach of this legal notice or any other Pioneer Credit Connect agreement or policy.
9. Termination, cancellation and suspension of use
10. Governing Law and Jurisdiction
What is personal information?
Personal information is information or an opinion whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
What kind of personal information is collected and held by Pioneer Credit?
We will only collect your personal information where it is reasonably necessary in connection with the services we are providing you. The types of personal information we collect include:
How is your personal information collected?
Where reasonable and practicable, Pioneer Credit will collect your personal information from you. If we are unable to collect personal information from you, other sources which Pioneer Credit collects your personal information from include:
Any unsolicited information we receive about you will be destroyed or de-identified unless it is information we could have collected in the manner described above.
Where practical and reasonable we will obtain your explicit consent before collecting sensitive information.
How does Pioneer Credit use your personal information?
Pioneer Credit uses your personal information for the following purposes:
We will generally not use or disclose your personal information for any other purpose without your consent, but may do so where:
Statistical Information Collected
We may collect statistical information regarding the use of any of the websites owned by the Pioneer Credit Group such as:
The Pioneer Credit Group and any of its wholly owned entities may use of remarketing services (or similar audience-targeted feature) in any of its websites for the purpose of:
Turning off ‘cookies’ on your web browser may disable some remarketing functions.
In addition, we may also use interest based advertising to encourage traffic to any of the Pioneer Credit Group’s websites.
Who do we disclose your personal information to?
In the course of our business, Pioneer Credit may disclose your personal information to outsourced service providers, which in some cases may be overseas, such as our overseas operations in the Philippines.
We take our privacy obligations seriously and we aim to protect your personal information as described in this Policy no matter where you are located. The types of personal information we may send overseas are outlined in this Policy and the countries to which we may send personal information may vary from time to time depending on the location of the recipients of the information. We take reasonable steps to ensure that such recipients respect your privacy in a similar manner.
Pioneer Credit may also disclose your personal information to:
Exchange of information with credit reporting bodies
Pioneer Credit uses the credit reporting services provided by Equifax, Experian and Dun & Bradstreet. Equifax, Experian and Dun & Bradstreet may include this information in reports to assist in assessments of credit worthiness. Equifax, Experian and Dun & Bradstreet may use the information each of them holds about you for pre-screening for direct marketing. Please refer to Equifax, Experian and Dun & Bradstreet’s separate credit reporting policies for details on their management of credit reporting information. A copy of these policies can be obtained at each credit reporting bodies’ website (listed below) or by visiting the websites and obtaining instructions for requesting via post (required forms and supporting documents are explained on each website)
Equifax – Public Access
Request credit file online at http://www.equifax.com.au/personal/articles/understanding-your-credit-file
Request credit file by post
GPO Box 964
NORTH SYDNEY NSW 2059
In New Zealand:
Request your credit file online at http://www.mycreditfile.co.nz
Dun & Bradstreet
Request credit file online at www.checkyourcredit.com.au/
Request credit file by post D&B Public Access Centre
PO Box 7405 St Kilda Road
Melbourne Vic 3004
Request credit file online http://dnb.co.nz/personal.html#.WcCOOsbYXRY
Request credit file online at www.experian.com.au/credit-services/credit-reports/order-credit-report.html
Request credit file by post Experian Australia Credit Services Pty Ltd
Att: Consumer Support Team
GPO Box 1969
North Sydney NSW 2060
In respect of our dealings with credit reporting bodies it is important to note that:
Credit reporting bodies will generally be provided with information regarding your identification, your creditworthiness, the credit product held or being sought, your repayment history, any defaults and any serious credit infringements committed by you (such as fraudulently trying to either obtain credit or evade your obligations in respect of that credit). In the event we disclose default information about you to a credit reporting body, we will advise that credit reporting body when you have fully discharged the default amount.
Does Pioneer Credit store your personal information securely?
Yes. Pioneer Credit maintains the security of your personal information by implementing up-to-date security control systems to prevent:
How long does Pioneer Credit keep your personal information?
The personal information collected will be retained by Pioneer Credit for the duration permitted or required under law. If specific personal information is no longer needed, Pioneer Credit will take steps to destroy the information or ensure the information is de-identified.
Can you refuse to provide your personal information?
Yes, but if you do not provide Pioneer Credit with some personal information, we may not be able to assist you.
Can you access your personal information held by Pioneer Credit?
Yes. You have the right to access your personal information held by Pioneer Credit. You may obtain a copy of any personal information we hold about you by contacting us below. To make this request please notify the Privacy Officer via email or post, using the contact options under the heading ‘Our contact details’ within this Policy Statement. No fee is charged for lodging a request for access.
If you are in Australia, a fee may be imposed to process your request and to give you access to the personal information you require. In certain circumstances set out in the Act you will not be able to access your personal information, for example when:
If you are in New Zealand, no fee will be imposed to process your request, including deciding whether or not the request is to be granted, but a fee may be imposed to give you access to the personal information you require. In certain circumstances set out in the NZ Act you will not be able to access your personal information, for example when:
Whether you are in Australia or New Zealand, if we do not grant you access to all or some of your personal information we will provide you with a written statement explaining why we denied your request for access.
Your personal information has changed. Can you correct your personal information held by Pioneer Credit?
Yes. We aim to keep your personal information on our records accurate, complete and up-to-date.
You have the right to request your personal information be corrected / updated if the information held by us is incorrect, incomplete or not up to date. To make this request please notify the Privacy Officer via email or post, using the contact options under the heading ‘Our contact details’ within this Policy Statement. No fee is charged for lodging a request for correction.
We will respond to your requests for access or correction as soon as practicably possible, in any event no later than 30 days after receiving your request.
How do you lodge a complaint?
If you are unhappy with the way your personal information is handled, or if you would like to lodge a complaint about a breach of the Act, APPs or CR Code, or, if you are in New Zealand, the NZ Act, NZPPs, or NZ Code, you have the option of lodging a complaint via Pioneer Credit’s Internal Dispute Resolution (IDR) process.
We will acknowledge receipt of your complaint within 7 days from lodgment. A response to your complaint will be sent to you within 30 days (or a different period if agreed by both parties).
You may refer to our website www.pioneercredit.com.au for more information on the IDR process.
What if you are unhappy with the outcome of the IDR?
You have the option of lodging the complaint with the Credit and Investments Ombudsman Limited (CIO) or with the Office of the Australian Information Commissioner (OAIC), or, if you are in New Zealand, the Office of the Privacy Commissioner (OPCNZ).
Details for contacting CIO are as follows:
Credit and Investments Ombudsman Limited
PO Box A252
Sydney South NSW 1235
Telephone: 1800 138 422 or Facsimile: 02 9273 8440
The OAIC can be contacted at:
The Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Telephone: 1300 363 992 or Facsimile: 02 9284 9666
The OPC NZ can be contacted at:
PO Box 10 094
Telephone (04) 474 7590
Or, refer to the online complaints form at www.privacy.org.nz.
Our contact details:
Attn: Privacy Officer
PO Box 6058
East Perth WA 6892
Telephone: 1300 736 838 (ask to speak with a member of the compliance team)
If you are a Pioneer Credit Shareholder
This section relates to shareholder information only.
As a public listed company on the Australian Securities Exchange, Pioneer Credit collects the personal information of its shareholders, either through the application form completed by you or through its share registry Link Market Services. Personal information of shareholders, which includes information provided upon application are held by Link Market Services and are separate to customer records referred in this Policy Statement.
Pioneer Credit may use and disclose your personal information in the following manner:
If you do not provide your personal information Pioneer Credit may not be able to process your application. Your personal information will be retained by Pioneer Credit for the duration permitted or required under law.
If you wish to access or correct your personal information held you may do so online via the Link Market Services website at www.linkmarketservices.com.au or contact your broker. For further information you may contact the Company Secretary on 08 9323 5020.
Please refer to the above for information how you may lodge a complaint regarding a breach of privacy.
Works with all Australian banks, Building Societies and Credit Unions.