CREDIT REPORTING POLICY – Hazeledenes Chicken Farms Pty Ltd
Introduction
This Credit Reporting Policy set out how Hazeldene’s Chicken Farm Pty Limited (ABN 72 004 381 346) and its related and its related bodies corporate (“Hazeldenes”, “we”, “us” or “our”) handle your credit information and credit eligibility information in line with our obligations under applicable privacy laws in Australia, including the Privacy Act 1988 (Cth) (Privacy Act), incorporating the Australian Privacy Principles, and the Privacy (Credit Reporting) Code 2025 (CR Code). This credit reporting policy (Credit Reporting Policy) sets out how we collect, use, disclose, store and otherwise handle your credit information and credit eligibility information. This Credit Reporting Policy also describes how you can access and correct any such information, your rights under the CR Code and how you can contact us.
This Credit Reporting Policy should be read alongside our Privacy Policy, which sets out how we collect, use, disclose, store and otherwise handle all other forms of your personal information.
What is credit information and credit eligibility information?
Credit information is a type of personal information about an individual that is governed by Part IIIA of the Privacy Act. In general terms, credit information means personal information that has a bearing on credit that has been provided to you or that you have applied for, whether as an individual, a sole trader or a business and includes both credit for personal, domestic or household purposes as well as business-related credit. It can include information that identifies you, about the amount(s) you have borrowed, your repayments and any defaults. It can also cover information about you as a guarantor of any credit or as an insured party under a credit related insurance policy.
Credit eligibility information, as it relates to you, is also defined in the Privacy Act and relates to credit reporting information (such as a credit report and/or credit score) disclosed to us, as a credit provider, by a credit reporting body (such as CreditorWatch) (CRB), as well as any information that a CRB derives from any credit information it holds about you.
Collection of information
We may collect, use and hold credit information about you if we provide you with products and services on credit terms (that is, you will pay for those products or services after we start providing them to you). As such, we may collect and hold various information contained in your credit application, relating to your financial position and/or regarding your creditworthiness. This information may include:
- your identity details;
- the fact that you have applied for credit, the type of credit, the amount, contract terms and contract start and end dates;
- your financial information reasonably requested by us;
- the identity of your other credit providers;
- your consumer credit liability information;
- your default and repayment history information;
- publicly available information such as bankruptcy, insolvency and credit-related court judgements;
- publicly available information that relates to your activities in Australia and your credit worthiness (other than court proceedings information or information that you are entered or recorded on the National Personal Insolvency Index);
- information from a CRB, such as your credit score and credit report, as well as any information we derive from this information;
- your credit enquiries;
- your financial hardship information;
- new payment arrangements we have entered with you following payments you missed or were delayed in paying
- serious credit infringements or any instances of attempted or actual fraud committed by you in relation to a credit application or agreement;
- your involvement in court proceedings about credit you have or have applied for;
- your personal insolvency information; and
- your information associated with your overall credit worthiness.
Method of collection
Where reasonable and practicable to do, we will collect credit-related information directly from you through the use of our standard forms, via email, through a telephone conversation with you, in person, or via our website. However, to assess your credit application, including where permitted or required by law, we may also collect credit information from a CRB. In certain situations, credit eligibility information may be disclosed to us from credit referees or another credit provider. We may also collect credit information about you from publicly available sources (such as the Internet) in limited circumstances.
We may also collect credit-related information about you from third parties acting on your behalf. If we receive unsolicited information about you that we do not ask for or which is not directly related to our functions or activities, we may be required to destroy or de-identify that information, provided it is lawful and reasonable to do so and we are not otherwise required to retain it.
Whilst we will always maintain robust privacy practices, we are not responsible for the privacy practices of third parties, including CRBs, so you should review their relevant privacy policy to satisfy yourself as to how they protect and handle your credit information.
Derived credit reporting information
Generally, we derive the following information from credit information (and information a CRB derives from the credit information they hold about you) that is disclosed to us by a CRB in accordance with applicable laws:
- whether you can afford to repay the credit we have extended to you;
- the amount of money we are prepared to offer as credit;
- the chances that you will not repay us;
- the chances of recovering any amount you owe us;
- whether we should approve your credit application;
- the plausibility of your occupation, income, expenditure and net asset position and other financial information in your trade credit application.
Purposes of collection, use and disclosure
We collect, use and hold your credit-related information for purposes that include:
- to verify your identity
- to assess your financial position and your application for a credit account;
- to assess whether to accept you as a guarantor for an application for trade credit where you have consented to the disclosure of your consumer credit report for that purpose;
- to provide you with credit (if your application is approved);
- to liaise with our trade insurer or insurance broker about you;
- our internal management purposes that are directly related to the management of credit, including:
- collecting any amount(s) you may owe us in relation to such credit and dealing with serious credit infringements;
- assigning our debts;
- participating in the credit reporting system (e.g. complying with our obligations to report to a CRB, including disclosing information such as the date you took out trade credit and closing date, your credit limit, the type of trade credit, any joint applicants, any missed repayments, any overdue repayments that you have brought up to date, payment arrangements or other arrangements you have agreed with, serious credit infringements, (as well as any updates to any of these));
- dealing with complaints or regulatory matters relating to credit or credit reporting;
- administrative, planning, quality control and for other purposes to which you have consented, or as otherwise permitted or required by law;
- where we reasonably believe that you have committed a serious credit infringement;
- prevent, detect and investigate suspicious, fraudulent, criminal or other activity that may cause you, us or others harm, including in relation to our products and services;
- where otherwise required or permitted by law; and
- to contact you regarding any of the above.
Failure to provide information
If we cannot collect credit information about you or if you use a pseudonym, or if the credit-related information you provide to us is incomplete or inaccurate, we will not be able to assess your application for a credit account and therefore we may be unable to provide you with the goods and services you are seeking.
How do we use and disclose your information?
We may use and disclose your credit-related information for the purposes for which it was collected (as set out above). We may disclose credit-related information about you, to:
- our workers, contractors, and to our other related companies to facilitate our and their internal business processes;
- credit reporting bodies as listed below or otherwise notified from time to time;
- third parties who assist us in processing your credit application or managing the credit provided by us;
- third parties for the purposes of considering whether to accept an assignment of debt, or to take an interest in the credit provider;
- other credit providers with an Australian link (either with your consent, or as permitted by law);
- enforcement bodies;
- external dispute resolution providers;
- guarantors or proposed guarantors with an Australian link (either with your consent, or as permitted by law);
- credit insurers;
- debt collectors;
- third parties who assist us in operating our business and providing goods and services to you (including printing and mailing houses, or professional advisers such as lawyers, accountants, and insurers);
- any potential third party acquirer of our business or assets, and advisors to that third party
- third parties to whom you have agreed we may disclose your information; and
- as otherwise permitted and required by law.
We disclose your credit information to CRBs including the following. You may be able to get more information about their policies on management of credit related personal information by contacting through the below details:
| Name | Website | Telephone | Mailing Address |
| CreditorWatch | creditorwatch.com.au | N/A | CreditorWatch, GPO Box 276, Sydney, NSW, 2001. |
If we disclose your information to other credit reporting bodies in the future, we will update this policy or provide separate notice.
What do the CRBs do with your credit-related information?
A CRB may include your information in reports provided to other credit providers, debt collection agencies and/or other third party companies to assist them to assess your credit worthiness. If you apply for credit, if you do not pay for the products and services that we provide to you, if you commit fraud or try to do so, or if you otherwise commit a serious credit infringement, we may disclose this information to a CRB. This may affect your ability to obtain credit in the future.
You may (by using the contact details set out above) request that a CRB does not:
- use your credit reporting information for the purposes of pre-screening of direct marketing; or
disclose your credit reporting information if you reasonably believe that you have been, or are likely to be, a victim of fraud.
Where you are (or are likely to be) a victim of fraud
If you reasonably believe that you are a victim of fraud or are likely to be a victim of fraud, you can request that a CRB does not use or disclose your credit information.
ASIC’s Money Smart website also contains useful information on credit reporting and can be found at: www.moneysmart.gov.au/borrowing-and-credit/borrowing-basics/credit-reports. You can also find out more about credit reports at the CreditSmart website.
Does credit information or credit eligibility information leave Australia?
We do not disclose credit information or credit eligibility information to entities that do not have an Australian link. However, in limited circumstances we make such disclosures to our related companies and third party service providers for the purposes described above and in line accordance with our Privacy Policy.
We do not generally disclosure credit information or credit eligibility information outside of Australia. However, in some cases, your credit information or credit eligibility information may be disclosed and shared with third-party service providers (including data storage providers) located overseas including in the US. Such overseas disclosures are only made in connection with the purposes for which your credit information or credit eligibility information has been collected.
You should be aware that some jurisdictions outside of Australia do not necessarily provide equivalent protection for your credit information or credit eligibility information. Where possible, we take reasonable steps to ensure that any overseas recipient does not breach Australian privacy laws in relation to their handling of your credit information or credit eligibility information. This may include requiring the overseas recipient to enter into an agreement with us that includes clauses equivalent to Australian privacy laws. We remain accountable for the handling of your credit information or credit eligibility information by overseas recipients.
If you would like more information regarding where your credit information or credit eligibility information is stored and transferred, or the methods we use to protect your credit information or credit eligibility information, please contact us.
Security of information
We store your credit-related information in different ways, including in paper and in electronic form. The security of your credit information and credit eligibility information is important to us.
We take reasonable steps to protect your credit-related information from interference, misuse, loss, unauthorised access, modification or disclosure, including through maintaining a range of technical and organisational measures. For example, we maintain physical security over paper and electronic data stores, such as through locks and security systems at our premises. We also maintain various computer and network security, for example, we use firewalls and other industry standard security systems such as user identifiers and passwords to control access to our computer systems.
Whilst we take reasonable measures to protect, no method of transmission over the internet, or method of electronic storage, is 100% secure and we cannot guarantee absolute security. Accordingly, you transmit your credit-related information to us online at your own risk and are encouraged to exercise care in sending your credit-related information via the internet.
Where credit-related information we hold is no longer reasonably necessary for the purpose for which it was collected (or as otherwise permitted by law), we delete the information or permanently de-identify it, subject to our legal obligations on retention, or as otherwise permitted or required by law.
Access and correction of information
Access to your credit-related information
- You may access the credit-related information we hold about you by making a written request. We will respond to your request within a reasonable period and we will provide access to that information after verifying your identity and in accordance with the Privacy Act and Credit Reporting Code, subject to any exemptions that may apply. Except where prohibited by the Privacy Act or the Credit Reporting Code, we may charge you a reasonable fee for processing your request (but not for making the request for access).
- We may decline a request for access to information in circumstances prescribed by the Privacy Act (including if we cannot substantiate your identity and entitlement to the information), and if we do, we will give you a written notice that sets out the reasons for the refusal (unless it would be unreasonable to provide those reasons), including details of the mechanisms available to you to make a complaint.
When making a request to access credit-related information, you should also request access to credit related information held by CRBs to ensure you have access to the most up to date information.
Correction of your credit-related information
If upon receiving access to your credit-related information or at any other time, you believe the information we hold about you is inaccurate, incomplete or out of date, please notify us immediately. Your request may relate to a single piece of credit-related information or multiple pieces of credit-related information.
We will take reasonable steps to correct the information within a reasonable period, generally 30 days (or another time frame agreed with you in writing) so that it is accurate, complete and up to date, unless a shorter timeframe is required by law. You can also ask us to notify any third parties that we provided incorrect information to about the correction.
If we refuse to correct your information (for example, where it would be unlawful), we will give you a written notice that sets out our reasons for our refusal (unless it would be unreasonable to provide those reasons), including details of the mechanisms available to you to make a complaint.
How to contact us
If you have any queries or concerns about our Credit Reporting Policy or the way we handle your credit-related information, or you wish to make a complaint, please contact us using the details below. For any credit information complaints raised with us, we will acknowledge a complaint within seven (7) days of our receipt. We will take reasonable steps to investigate the complaint in accordance with our dispute resolution process and make a decision within a period of thirty (30) days, or such longer period as agreed with you in writing.
Address: c/- Privacy Officer, PO Box 1147 Kangaroo Flat, Victoria, 3555
Email: privacy@hazeldenes.com.au
Telephone: 03 5431 1300 during business hours
If you have raised a complaint with us and you are unsatisfied with the outcome or have further concerns about the way we handle your credit information or credit eligibility information, under the Privacy Act, you may complain to the Information Commissioner at the Office of the Australian Information Commissioner, whose contact details are set out below:
Office of the Australian Information Commissioner
Address: GPO Box 5218 Sydney NSW 2001
Phone: 1300 363 992
Online: www.oaic.gov.au
Email: enquiries@oaic.gov.au
You may also complain to the Australian Financial Complaints Authority (AFCA) if you are not satisfied with our response to your credit complaint, who can be contacted at:
Australian Financial Complaints Authority
Address: GPO Box 3, Melbourne, VIC 3001
Phone: 1800 931 678 (free call within Australia: 9:00am–5:00pm AEST/AEDT weekdays)
Online: Contact us | Australian Financial Complaints Authority (AFCA)
Email: info@afca.org.au
Changes to this Credit Reporting Policy
We may change or update this Credit Reporting Policy from time to time to keep up to date with legal requirements and the way we operate our business. An up-to-date version of this Credit Reporting Policy is available at any time at [#]. You are responsible for reviewing this Credit Reporting Policy periodically and informing yourself of any changes. We suggest that you check back regularly. If we make significant changes to our Credit Reporting Policy, we will seek to inform you by notice on our website or by email.
This Credit Reporting Policy was last updated on 30 July 2025.