Privacy Policy

Coolabah Turf is committed to protecting your privacy and developing technology that gives you powerful and a safe online experience. 

This document sets out the privacy and credit reporting policy of Australian Turf Operations Trust (A.B.N. 12 665 286 154) trading as Coolabah Turf, and / or their successors, new and existing related bodies corporate (as defined in the Corporations Act 2001) of Australian Turf Trusco Pty Ltd, and assigns (as applicable) (referred to as “we”, “us” or “our”) relating to the privacy of your personal information (“Privacy Policy”).

This Privacy Policy sets out how we might collect, hold, use or disclose your personal information in accordance with the Australian privacy Principles (“APP’s”). By accessing and using the website at www.coolturf.com.au (“the Website”) or providing us with your personal information by any other means, you consent to us collecting, holding, using and/or disclosing any of your personal information in accordance with this Privacy Policy.

Credit Reporting Policy: This is also our credit reporting policy for the purposes of Part IIIA of the Privacy Act and it sets out, where this is relevant to you, how we manage your credit information and credit eligibility information.

What kinds of information do we collect?

We only collect personal information (being information that identifies or could reasonably identify an individual) where we consider it to be reasonably necessary for one or more of our business functions or activities, and will do so in accordance with the APPs, including personal information about users of our Website, purchasers or potential purchasers of our products and when you participate in a promotion or survey.

Generally, the types of personal information we collect and hold may include:

·         your name, e-mail address, home or work address or telephone numbers, sex, age, and related information such as your age and gender

·         credit related information if you apply for credit from us or we get a credit report about you;

·         any other personal information we have to collect to identify you; and

·         payment details including bank account, credit card details and other payment information.

We will only collect sensitive information where it is reasonably necessary for our functions or activities and you have consented or we are required or authorised under law to do so. Sensitive information includes membership of a professional body or institution.  We also collect anonymous demographic information, which is not unique to you, such as your post code, age, preferences, interests, and favourites.

There is also information about your computer hardware and software that is automatically collected by Coolabah Turf. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by us for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of our website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through our public message boards, this information may be collected and used by others. Note: We do not read any of your private online communications.

Links to other websites

We encourage you to review the privacy statements of websites you choose to link to from our Website so that you can understand how those websites collect, use and share your personal information. We are not responsible for the privacy or security practises for websites that are not covered by this Privacy Policy.

How we collect your personal information

We will only collect your personal information by lawful and fair means. We will generally collect personal information directly from you. When you visit our Website, we collect information which you provide voluntarily (e.g. by creating a user account). We may also collect your personal information when you apply for credit with us, when you place an order with us, call us, email us, or participate in competitions, surveys or promotions.

Sometimes, we may collect information through third party service providers (including marketing agencies, credit reporting agencies, public sources, or promotional partners) or distributors or retailers of our products, or by using tracking technologies such as cookies, web beacons and other web analytics software or services.

You may choose to communicate with us anonymously or using a pseudonym where it is practicable to do so, however in some circumstances doing so may also affect our ability to provide you with products relevant to your needs. We may keep records of unsolicited personal information (personal information we receive that. we have taken no active steps to collect) if the information is reasonably necessary for one or more of our functions or activities. If not, it is our policy to destroy the unsolicited information or ensure that the information is de-identified, provided it is lawful and reasonable to do so.

Do you have to provide personal information?

You can refuse to provide personal information or choose not to identify yourself, deal with us on an anonymous basis or use a pseudonym. However, a refusal may mean that the service you requested is not provided or your application is forfeited or declined.

How we keep your personal information

We take reasonable steps to prevent the loss, unlawful use or disclosure of the personal information provided to us. We store personal information on secure servers that are managed by us and our service providers, and occasionally hard copy files that are kept in a secure location.

Personal information that we store is subject to security and access controls, including username and password authentication and data encryption where appropriate. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol. We cannot guarantee that personal information will be protected against unauthorized access or misuse and we do not accept any liability for the improper actions of unauthorized third parties.

We will retain your personal information for as long as necessary to fulfil our obligations to you, to protect our legal interests, to comply with an Australian law or as otherwise stated to you when we collected your personal information. Once we are no longer required to retain your personal information, we will take reasonable steps to destroy your personal information or to ensure that your personal information is de-identified.

Use and disclosure of your personal information

We collect and use your personal information to operate our Website, deliver the products and services you have requested, to determine if we will accept your credit application and any guarantee provided and improve our product offerings and Website. We also use your personal information to inform you of other products or services available from us and our related entities.

We may also contact you via surveys to conduct research about your opinion of current products and services or of potential new products and services that may be offered. We do not sell, rent or lease your personal information to third parties. We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information is not transferred to the third party. In addition, we may share data with trusted partners (for example, our related bodies corporate, contractors, subcontractors, our professional advisers, regulatory and government authorities or third party adviser who assist us with the purpose for which we collect or use the personal information) to help us perform statistical analysis, send you emails or postal mail, provide customer support, or arrange for deliveries.

We require such third parties to use your personal information only to provide services to us, and they are required to maintain the confidentiality of your information. We may also disclose your personal information to credit reporting agencies.

We do not use or disclose sensitive personal information without your explicit consent.

We may disclose your personal information to the extent required or permitted by law.

Use of cookies

Our Website uses “cookies” to help personalize your online experience and we may store some of this information on your computer. A cookie is a text file that is 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.

One of the primary purposes of cookies is to provide a convenience feature to save you time.

The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize Coolabah Turf pages, or register with Coolabah Turf site or services, a cookie helps Coolabah Turf to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Coolabah Turf Web site, the information you previously provided can be retrieved, so you can easily use Coolabah Turf features that you customized.

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 Coolabah Turf services or Web sites you visit.

Direct marketing

If you provide us with your personal information and you consent to receiving direct marketing communications from us, you authorise us to send you promotional messages and materials related to Coolabah Turfs products and services, unless you submit a later request not to receive direct marketing communications.

Our electronic direct marketing messages and materials will contain a prominent statement (including, for electronic messages, a functional unsubscribe facility) that you may request not to receive direct marketing communications in the future.

If you do not wish to receive marketing or other communications from us, please submit a request not to receive direct marketing communications or use the unsubscribe facility provided in the most recent communication from us or contact us on the details provided.

How can you access and correct your personal information?

You generally have the right to access your personal information free of charge, subject to some limitations contained in the Privacy Act 1988, by contacting us on the details below. The APPs set out some circumstances in which we are not required to provide you with such access. If you ask for your personal information and any of these circumstances exist, you may be given access to the personal information in a way that is permitted under the Privacy Act 1988. To protect personal information held by us, you may need to confirm your identity before access to your personal information is granted. It may take a little time to process your application for access and retrieve information from storage (if applicable).

If you think the personal information we hold about you is incorrect, incomplete or inaccurate, you can request us to amend it. We encourage you to update us so that we have accurate, current and complete information.

Resolving your privacy issues

If you have a complaint in relation to the collection, use or and disclosure of your personal information, please contact the Coolabah Turf Privacy Officer via the details provided below.

The Coolabah Turf Privacy Officer will review all complaints received and respond to each complainant upon due consideration (which may require further information to be provided).

Will your information be disclosed overseas?

Coolabah Turf is unlikely to disclose your personal information to an entity outside Australia.

However, if such disclosure of personal information were to occur, it is possible that an overseas entity may be subject to foreign laws that no not provide the same level of protection of information as in Australia. In these circumstances, we will take reasonable steps to ensure that these overseas entities do not breach the APP’s and that you are obliged to protect the privacy and security of your personal information and use it only for the purpose which it was disclosed.

Changes to this statement

Coolabah Turf will occasionally update this Privacy Policy to reflect company and customer feedback. Coolabah Turf encourages you to periodically review this Policy to be informed of how Coolabah Turf is protecting your information.

Contact information

Coolabah Turf welcomes your comments, concerns and complaints regarding this Privacy Policy. If you believe that Coolabah Turf has not adhered to this Policy, please contact Coolabah Turfs Privacy Officer at privacy@coolturf.com.au or alternatively write to: Coolabah Turf Privacy Officer 256 McSwain Road, Echuca VIC 3564.

We will use commercially reasonable efforts to promptly determine and remedy the problem.

Credit Reporting Policy

We may provide credit as contemplated in the Privacy Act to our customers in connection with our products and services (for example, credit term accounts). We therefore may collect credit information and credit eligibility information about you as set out in the Privacy Act 1988. Our Credit Reporting Policy sets out how we manage that information.

What credit information and credit eligibility information does Coolabah Turf collect?

We may collect credit information about you in connection with application for credit.. The kinds of credit information that may be provided to us from you or a credit reporting body includes:

·         identification information such as a name, date of birth, address

·         information relating primarily to your credit related dealings with us and covers various types of information that can be collected by Credit Reporting Bodies (“CRBs”) that report on consumer credit worthiness;

·         financial information relating to directors, partners, trustees, sole traders and any person who acts or proses to act as a guarantor;

·         basic information about your credit account;

·         historical solvency information of directors, partners, trustees, sole traders or managers associated with a business applying for credit

·         details about information requests we make about you to CRBs,

·         information about certain overdue payments, serious credit infringements; and

·         various publicly available information like bankruptcy and credit-related court judgements.

Credit eligibility information is information equivalent to the types set out above that are generally obtained from CRBs. This information relates primarily to your dealings with other credit providers (i.e. banks, other financial institutions and entities that may provide you with credit in connection with their goods or services). It may also include certain credit worthiness information that is derived from data collected from a CRB or other credit reporters.

.How we collect your credit information

We collect credit and credit eligibility information form you by telephone, in person or in documentation such as an application for credit. We may also request information from people or companies named in an application for credit , when you make a request or enquiry of us.

We may also collect information about you from other people including:

·         your accountant or employer as part of your assessment;

·         your personal referee;

·         a credit reporting body that gives us a credit report about you; or

·         an insurer.

How we keep your credit information

We take reasonable steps to prevent the loss, unlawful use or disclosure of the credit information provided to us.

We store and secure your credit information and credit eligibility information in the manner described in the “How we keep your Personal Information” section of our Privacy Policy.

How does Coolabah Turf use and disclose your credit information and credit eligibility information?

Credit information and credit eligibility information disclosed to us is principally used for in connection with your application for credit to assess that application and for the ongoing management of a credit account and otherwise as permitted by law. This may involve any of the following uses:

·         processing credit-related applications (including assessing your credit worthiness and includes obtaining consumer and commercial credit reports from CRBs) and managing the ongoing credit that we provide;

·         assisting you if we think you may be at risk of default;

·         collecting amounts you may owe us in relation to such credit and dealing with serious credit infringements;

·         providing or exchanging personal information with any person whose name is provided to us in connection with your application for credit (including trade references or a guarantor);

·         internal management purposes;

·         participating in the credit reporting system and providing information to CRBs as permitted by the Privacy Act 1988;

·         dealing with complaints or regulatory matters relating to credit or credit reporting; and

·         as required or permitted by the Privacy Act 1988 or another law.

We may disclose your credit information to CRBs who may then include that information in credit reports they provide to other credit providers to assist those credit providers assessing your credit worthiness..

Will your credit information be disclosed overseas?

Coolabah Turf is unlikely to disclose your credit information to any entity outside Australia.

However, if such disclosure of your credit information were to occur, it is possible that an overseas entity may be subject to foreign laws that no not provide the same level of protection of information as in Australia. In these circumstances, we will take reasonable steps to ensure that these overseas entities do not breach the APP’s and that you are obliged to protect the privacy and security of your personal information and use it only for the purpose which it was disclosed.

Credit reporting bodies to who we may share credit-related personal information include:

 Equifax, www.equifax.com.au – PO Box 964, North Sydney, NSW 2059

Each Credit Reporting Body (CRB) is required to have a policy which explains how they will manage your credit related personal information. To view the policy of any CRB please visit the relevant CRB’s website and follow the “Privacy” links, or you can contact them directly for further information.

What are your rights under the Privacy Act?

Your rights under the Privacy Act in relation to credit related information include:

·         requesting the CRB’s policy about the management of credit-related personal information by contacting it (see contact details above);

·         requesting a CRB not to use credit reporting information about you for pre-screening of direct marketing by a credit provider; and

·         requesting a CRB not to use or disclose credit reporting information about you if you believe on reasonable grounds that you have been or likely to have been a victim of fraud.

Accessing and correcting your credit information or credit eligibility information

If you wish to access or correct errors in any of your credit information or credit eligibility information that we hold, please contact us using the contact details set out in the “Contact Information” section of our Privacy Policy.

To protect your credit information or credit eligibility held by us, you may need to confirm your identity before access to your information is granted. It may take a little time to process your application for access and retrieve information from storage (if applicable).

We encourage you to update us so that we have accurate, current and complete information. There is no charge to make a request for access but we may apply an administration fee as permitted by the Privacy Act 1988 for providing access in accordance with your request.

How do you make a complaint?

If you think that we have not complied with Part IIIA of the Privacy Act or with the Credit Reporting Privacy Code (which regulates credit reporting) you can make a complaint by using the contact details set out in the “Contact Information” section of our Privacy Policy.

We will acknowledge your complaint in writing within 7 days of receipt of your complaint and aim to investigate and resolve complaints within 30 days of receiving it. If we need more time, we will notify you about the reasons for the delay and seek to agree a longer period with you (if you do not agree, we may not be able to resolve your complaint). We will notify you of the outcome of our investigations in writing, including details of how to make a complaint if you are not satisfied with Coolabah Turfs decision.