Privacy Policy

Effective Date: 1 July 2024


Independent Business Group Pty Ltd (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with us, including when you apply for credit, purchase goods or services, visit our website, or otherwise deal with us.

1. Information We Collect

We may collect personal information directly from you, from third parties you authorise, or from publicly available sources. This can include:

  • Name, address, date of birth, and contact details
  • Business identifiers such as ABN or ACN
  • Identification documents (e.g., driver’s licence)
  • Payment and billing details
  • Purchase history and account information
  • Trade references and business history (for credit applicants)
  • Credit history and creditworthiness information from credit reporting bodies
  • Website usage information, cookies, and IP address when you use our site

2. How We Use Your Information

We use personal information for purposes including:

Primary Purposes

  • Supplying goods and services
  • Processing and managing orders and payments
  • Assessing and processing credit applications
  • Obtaining and reviewing credit reports
  • Contacting trade references
  • Managing credit terms and guarantees
  • Reporting on and collecting overdue payments
  • Meeting legal and regulatory obligations

Other Purposes

  • Internal management and administration
  • Marketing (including direct marketing, unless you opt out)
  • Sales and business development
  • Improving our products, services, and website

3. Disclosure of Your Information

3.1 Credit Reporting Bodies

If you apply for credit, we may disclose your credit information to:

Our credit reporting policy contains the notifiable matters required under section 21C of the Privacy Act and the Privacy (Credit Reporting) Code 2014 (Cth).

3.2 Other Third Parties

We may also share your personal information with:

  • Our subsidiaries, employees, agents, and related bodies corporate
  • Your nominated contacts and trade references
  • Service providers such as payment processors, IT and marketing providers, insurers, and professional advisers
  • Regulatory authorities, where required by law
  • Overseas recipients, including in Australia and New Zealand

By providing your personal information, you consent to disclosure to overseas recipients. Australian Privacy Principle 8.1 will not apply to these dealings.

4. Website Data and Cookies

When you visit our website, we may collect information through cookies and similar technologies to help improve your online experience. You can adjust your browser settings to refuse cookies, but this may limit website functionality.

5. Your Rights

You have the right to:

  • Access the personal information we hold about you
  • Request correction of any inaccurate, out-of-date, or incomplete information
  • Make a complaint about a breach of the Privacy Act, the Credit Reporting Code, or the Australian Privacy Principles

We will respond to all requests in accordance with the law.

6. Security and Retention

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. We keep your information only for as long as needed for the purposes described in this policy or as required by law.

7. Changes to this Policy

We may update this Privacy Policy from time to time. The updated version will be published on our website and will apply from the date of publication.

Contact for Privacy Inquiries
Privacy Officer
Independent Business Group
264/15 Cochranes Road, Moorabbin VIC 3189
hello@independentbusinessgroup.com.au
(03) 8351 5757