Thank you for applying for a credit account with Total Office National.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
If you require any assistance with your application, please contact our accounts department on 03 9384 7777 or email@example.com
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
CreditorWatch Privacy Officer
GPO Box 4029 Sydney NSW 2001
1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
TON respects the privacy of its Customers and is committed to the protection of personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
TON may collect personal information to assist in providing the Customer with services as well as information on either Goods offered by TON to the Customer.
TON collects personal information from Customers in a number of ways including:
(a) directly, such as when a Customer applies for credit, places an order, becomes involved in any TON activities, entering personal details on TON’s website, including but not limited to, during registration or application for Credit), when a Customer provides information by phone, or in documents such as a Credit Application form or Deed of Guarantee and Indemnity etc;
(b) from affiliated companies;
(c) from the Customer’s representative;
(d) from publicly available sources of information;
(e) from credit-reporting and fraud-checking agencies and credit providers for credit related purposes such as credit worthiness, credit rating, credit provision and financing;
(f) from TON’s own records of the Customer dealings; or
(g) when legally required to do so.
In order to obtain a credit report to enable TON to provide the Goods, the Customer, agrees that TON’s will collect certain information and provide it to a credit reporting agency who may in turn create and maintain a credit information file about the Customer. This information is limited to:
(a) identity particulars such as name, address (and the previous two addresses), date of birth, name of employer, and drivers licence number;
(b) Application for Credit- including the amount;
(c) loan repayments which are overdue by more than 60 days, and for which debt collection action has started;
(d) advise that loan repayments are no longer overdue in respect of any default that has been listed;
(e) information that, in the opinion of TON, the Customer may have committed a serious credit infringement (that is acted fraudulently or shown an intention not to comply with your credit obligations); and
(f) dishonoured cheques - cheques drawn by you for $100 or more which have been dishonoured more than once.
The Customer acknowledges that this requirement applies for as long as an account is held with TON. This information may be given before, during or after the provision of credit to the Customer.
Customer’s details including previous orders will be added to TON’s databases, and will be used by TON:
(a) to identify the Customer;
(b) in providing services including but not limited to the processing of a Credit Application, Deed of Guarantee and Indemnity, and the administration and management of any Contracts or Agreements between TON and the Customer;
(c) to provide the Customer with information on Goods and services offered by TON;
(d) in undertaking risk assessment and management;
(e) for the purposes of the PPSA; and
(f) in gathering data and disclosing data to third parties such as:
i. insurance brokers and insurers;
ii. credit reporting agencies;
iii. financial institutions including TON’s bankers;
iv. service providers; and
v. industry groups, all of whom have a legitimate reason to receive such information so that TON can provide its Goods to the Customer.
If the Customer provides TON with personally identifiable information, the Customer may receive from time to time, phone calls, emails or direct marketing containing promotional material. The Customer may receive promotional material, following submission of information to TON. The Customer agrees to receiving e-mails and other such communication from TON including information or news about TON Goods. If the Customer does not want to receive such communication, please contact TON.
The Customer agrees and acknowledges that TON may employ other companies or individuals to provide certain services such as analysing customer lists, providing marketing assistance or consulting services. These third parties may have access to information needed to perform their function but cannot use that information for other purposes. TON does not provide any personal information provided by the Customer to any third parties other than to our affiliated companies or where required by law or as set out in this Privacy Statement. TON will not sell, trade or rent a Customer’s personal information to others.
TON co-operates with law enforcement agencies as required by law under the Privacy legislation.
All reasonable steps are taken to correct the information TON holds where that information is not accurate, up-to-date and complete. Further, all reasonable steps are taken to ensure that all information is treated confidentially, kept secure and protected against unauthorised use and is maintained only for the purpose for which it is intended.
The Customer has the right to access its personal information. For further information or to correct personal information held by TON please contact: Privacy Officer, Total Office National Products Pty Ltd, 341-345 Sydney Road, Coburg, VIC 3058, Tel: (03) 9384 7777.