Credit Reporting Collection Statement- Notifiable Matters for Customers
Your privacy is important to Lumo Energy, so we wanted to let you know that we have updated our privacy and credit reporting policy.
Key updates include;• How our privacy and credit reporting policy apply to your use of our website.
• How we may share your personal information with our related entities.
• When we may disclose your personal information to regulatory bodies or External Dispute Resolution schemes as part of a complaint investigation.
• How we may use your personal information for marketing purposes.
Lumo Energy Australia (ABN 69 100 528 327) and its related entities listed at the end of this document (Lumo Energy, we, us or our) collect, use, hold and disclose credit information about you for the purposes of providing you with goods and services on credit and to obtain payment for these goods and services. The types of credit information that we collect about you may include your name and contact details, your credit history (including any repayments or late repayments you have made), details of any credit provided to you by other credit providers, any credit score that a credit reporting body can provide to us and details of any credit-related court proceedings or insolvency applications that relate to you.
We may collect credit information from you and also from credit reporting bodies and other credit providers who have provided credit to you. We will use this information to conduct a credit assessment on you and to decide whether to provide our services to you on credit. We may disclose your information to our related companies and to third parties, including debt collectors, credit management agencies, other credit providers, credit reporting bodies and government bodies and regulatory authorities (where required or authorised by law).
The credit reporting bodies that we may collect and disclose your information to are:
•Equifax formerly known as Veda Advantage Information Services and Solutions Limited, whose contact details are available at: www.mycreditfile.com.au/support; and
• Illion (formerly known as Dun and Bradstreet (Australia) Pty Ltd, whose contact details are available at www.checkyourcredit.com.au/ContactUs);
You may obtain a copy of these credit reporting bodies’ credit reporting policies by visiting their website or by contacting them using the contact details set out above.
The types of information that we may disclose to credit reporting bodies (which may be before, during or after the provision of credit to you) include: your name, gender, date of birth, your current and previous addresses, the fact that you have applied for credit, the fact that we provide or deny credit to you, default information (but only where we have provided you with consumer credit and you are at least 60 days overdue in making the payment of $150 or more and we have given you 14 days prior written notice informing you of our intention to default list you and requesting that you pay the overdue amount),advice that payments have been made or are no longer overdue, that you have (or have tried to) defraud us; and information that, in our opinion, you have committed a serious credit infringement (but only where we have provided you with consumer credit). Our disclosures may affect your ability to obtain credit in the future. After we disclose your information to the credit reporting bodies listed above, this information may subsequently be included in a credit report that is provided to other credit providers to assist them to assess your creditworthiness.
We also disclose credit information to third parties that provide services to us or who provide services to you on our behalf. We may hold this credit information in, or may disclose this information to third party service providers located in, one or more overseas countries, including in Europe.
You may request that credit reporting bodies do not use your credit reporting information for the purpose of pre-screening our direct marketing. To make such a request, please contact the credit reporting bodies directly using the contact details provided above.
If you reasonably believe that you have had your identity stolen or have been defrauded, you can contact the credit reporting bodies (using their contact details as listed above) and ask them not to disclose your credit information.
Related EntitiesThis Statement of Notifiable Matters also applies to the following companies:
- Lumo Energy (SA) Pty Ltd ABN 61 114 356 697;
- Lumo Energy (NSW) Pty Ltd ABN 92 121 155 011; and
- Lumo Energy (QLD) Pty Ltd ABN 63 114 356 642.