www.harrisscarfe.com.au Open in urlscan Pro
13.35.147.75  Public Scan

Form analysis
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Name: registerForm — POST /signup

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Text Content

It's not too late! Choose Click & Collect to get your order in time for
Christmas. Find out more

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PRIVACY POLICY

Last Updated: 11 July 2024



YOUR PRIVACY

At Harris Scarfe we manage your personal information in an open and transparent
way. Harris Scarfe will only use your personal information when it is necessary
for us to deliver you a service or perform other necessary business functions
and activities. 

Harris Scarfe will not use or disclose your personal information for purposes
unrelated to the services we provide, unless we first obtain your consent.

 


ABOUT THE PRIVACY POLICY

The Privacy Act 1988 (Cth) (Privacy Act) applies to the collection and use of
your personal information.  DC Opco Pty Ltd trading as Harris Scarfe, ABN 83 095
018 803 (Harris Scarfe, HS, our, us, we) are committed to the protection of the
personal information of all of our customers. We have developed this policy in
line with the ‘Australian Privacy Principles’ (APPs) and the Privacy Act to
provide you with information on how we deal with your personal information
including how we collect, hold, use and disclose your personal information and
how you may access and correct it.

This policy applies in addition to the Credit Reporting Privacy Policy if you
apply for, or hold, a Harris Scarfe Credit Card.

Please take some time to read through this policy before you provide us with any
personal information. We also encourage you to check this policy regularly as it
may change from time to time. If you have any suggestions or concerns that are
not addressed in this policy, please contact us.

 


WHAT KIND OF PERSONAL INFORMATION DO WE COLLECT?

We will only collect personal information about you if it is reasonably
necessary for our functions and activities. We may collect information from you
that personally identifies you such as your name, email address, home address,
telephone number, gender, date of birth, age, details of communications with us
(written or verbal), personal interests, the number of children you have and
their ages and gender and, in some instances, government identifiers (such as
your driver’s licence).

 


SENSITIVE INFORMATION

We generally will not collect sensitive information about you (such as racial or
ethnic origin, political opinions, religious or philosophical beliefs or details
of health or disabilities). However, in some cases we may ask you to provide
information related to your health or disabilities to assist us in providing you
with specific services. We will only collect and use sensitive information in
compliance with the APPs.

 


NON-PERSONAL INFORMATION

We may collect information that does not personally identify you but will
instead track your use of our websites so that we can better understand how our
websites are used by customers and in turn enhance and improve your experience
as a customer. We may obtain this information by the use of 'Cookies' which
comprise a small data file transferred to your device that recognises and
identifies your device and allows your device to ‘remember’ information from our
websites for future use. Your device should allow you to refuse Cookies if you
wish by changing the settings. However, if you do, some services may not be
available to you, including the ability to place orders on our websites. We also
use Google advertising programs that use Cookies to improve your online
experience, including the display of more relevant ads on external websites. You
may opt out of these programs by
clicking https://www.google.com/settings/u/0/ads.

 


PSEUDONYMS

You have the option of not identifying yourself or dealing with us using a
pseudonym in relation to particular matters. However you will appreciate that,
in some circumstances, it may not be possible for us to deal with you if you do
not identify yourself.

 


HOW DO WE COLLECT PERSONAL INFORMATION?

We collect personal information directly from you in the normal course of
business, including electronically when you visit our websites. You may be asked
to provide us with personal information when you:

 * make online shopping purchases, including via third party payment platforms
   such as Afterpay;
 * make in-store shopping purchases including lay-bys;
 * return goods without a receipt;
 * subscribe to our newsletters or join our mailing lists;
 * complete one of our forms, including online through our social media
   channels, wholesale account application forms, or forms provided with our
   goods;
 * enter into competitions or trade promotions;
 * sign up to hsfriends;
 * request goods to be delivered to you or services to be provided to you;
 * register a gift card;
 * register as a customer, or otherwise use, our websites; and/or
 * make an enquiry with us or correspond with us.

We may collect personal information about you from third parties where you have
consented to such collection, or would reasonably expect us to collect your
personal information in this way. This would include where you apply for a
Harris Scarfe Credit Card account with us.

You consent to us collecting, holding, using and disclosing such information in
accordance with this policy.

If we receive information about you from a third party and it is not information
we need in respect of our business activities, we will destroy or de-identify
that information (provided it is lawful to do so).

If we collect personal information about you from other entities and you have
not already given your consent to that collection, we will take such steps as
are reasonable in the circumstances, to notify you that we have collected
personal information, how it was collected, and why we have collected it and
provide you with a copy of this policy.

 


RECRUITMENT

We collect personal information (which may include sensitive information) if you
register or apply for a job with us. As part of that process, you agree that we
may collect personal information about you from you and your referees,
recruitment agencies and related service providers. This personal information is
collected for recruitment purposes and will be used solely for that purpose. You
consent to us disclosing such personal information to third party service
providers who provide recruitment related services to us.

 


HOW DO WE HOLD PERSONAL INFORMATION?

We will use all reasonable endeavours to maintain the security of your personal
information and to protect your personal information from misuse, interference
and loss and against unauthorised access, modification or disclosure. Any
personal information that we receive is securely stored and access is restricted
to our authorised personnel. Although we ask for credit card information in
order to process some requests from you, we do not store complete credit card
information on our web server. We use secure payment platforms to process online
orders all in a ‘secure socket layer’ environment and our websites all use
GlobalSign EVSSL Certificate.

 


HOW DO WE USE PERSONAL INFORMATION?

If we hold personal information about you that was collected for a particular
purpose, we will not use or disclose it for another purpose unless: (a) you
consent; (b) you would reasonably expect us to use or disclose it for that other
purpose; or (c) it is required or authorised by law or a court/tribunal order.

We generally use personal information, and you consent to us using your personal
information, to:

 * deliver or help you manage our products or services;
 * complete transactions with you or on your behalf, including lay-by purchases;
 * enable us to undertake a credit assessment;
 * conduct promotions or competitions;
 * help us manage and improve our services and websites;
 * communicate with you;
 * where you have consented to receive direct messaging, send you ongoing
   information, offers and promotional material about opportunities, products
   and services which we believe may be of interest to you;
 * manage and resolve legal, consumer or commercial complaints and issues;
 * conduct market research and analysis;
 * manage and recruit employees;
 * carry out internal functions including training and internal audits.

When returning or exchanging goods, we require you to provide proof of purchase
from us. If a return is approved without proof of purchase, we will require
suitable personal information from you for the purposes of identification. This
personal information may be recorded with the transaction as part of our fraud
prevention program. Information collected in these circumstances will only be
used for this purpose.

 


SMS ALERTS

We may promote our goods and services to you via SMS alerts but only if you have
consented to receive such information via SMS. To stop receiving all Harris
Scarfe SMS alerts follow the instructions in the SMS alert. You will receive a
confirmation message and then no further SMS alerts will be sent to your number.

 


WHO DO WE DISCLOSE PERSONAL INFORMATION TO?

We do not disclose your personal information to anyone else unless:

 * you have consented to the disclosure;
 * you would reasonably expect, or have been told, that your information is
   passed to those individuals, businesses or agencies;
 * we sell all or part of our business, merge with another company or business,
   or restructure our business (or contemplate doing any of the foregoing), in
   which case we may transfer or disclose your personal information to the
   parties involved in the transaction for the purposes of that transaction;
 * if it is reasonably necessary, in our opinion, to protect our rights or
   property or that of any third party or to avoid injury to any person; or
 * it is otherwise required or authorised by law

You consent to us disclosing your personal information to our authorised
personnel and to:

 * our parent company and its other related companies;
 * to companies that perform services on our behalf, such as delivery services,
   mail outs, customer liaison services, data entry services, trade promotion or
   gift card administration, account management services and debt collection
   services;
 * our professional advisors, including auditors and lawyers;
 * payment system operators and financial institutions; and
 * organisations authorised by us to conduct promotional, research and/or
   marketing activities.

We take reasonable steps to ensure that third parties that we disclose your
personal information protect your privacy to the same standard expected of us.

 


DIRECT MARKETING

If you have provided us with your personal information for the express or
implied purposes of receiving direct marketing, you hereby consent to us, and
our business partners using your personal information to advertise or send you
information about their products and services which we think may be of interest
to you.

You will be given the opportunity to "opt out" or unsubscribe from receiving
direct marketing communications from us. Alternatively, you may contact us at
the address below to “opt out” of, or unsubscribe from, any future
communications. HS will use all reasonable endeavours to comply with that
request within a reasonable period, and in any event, within five business days.

 


OVERSEAS

You acknowledge that we may disclose your personal information overseas in
situations where:

 * entities to whom we are permitted to disclose your personal information under
   this policy are based overseas; or
 * the personal information we collect is stored on servers located overseas.

At present, we work with third party service providers based in countries
including those in the European Economic Area (EEA), the Philippines, the United
Kingdom and the United States. If changes in our business result in your
personal information being held in other overseas countries, we will update this
Privacy Policy.

You acknowledge that as a result of your consent to such disclosure (if any),
clause 8.1 of the APPs does not apply.

 


HOW DO YOU ACCESS AND CORRECT YOUR PERSONAL INFORMATION?

 


ACCESS

Where we hold personal information about you, we will provide you with access to
the information on request within a reasonable time if it is reasonable and
practicable to do so. Where you make a request for access to your credit
reporting information, we are obliged to first obtain sufficient information to
allow us to protect the security of the information, and to verify your identity
and entitlement to such information. You will therefore need to provide
sufficient identifying information to obtain access.

There are some exceptions where we may refuse to give you access and these are
set out in clause 12.3 of the APPs. In that case, where required, we will give
you written notice setting out the reasons for our refusal and the mechanisms
available if you wish to complain about our refusal.

We may impose a reasonable charge for giving you access to your personal
information.

You may also access and update some of the personal information you have
provided to us on your ‘profile’ page after you login to your account.

 


CORRECTION

If we are satisfied that your personal information is inaccurate, out-of-date,
incomplete, irrelevant or misleading, we will take reasonable steps to correct
your personal information. In addition, if you request us to correct your
personal information, we will take reasonable steps to do so within a reasonable
time. If you request it, we will also take reasonable steps to notify any other
entity of the changes if we have previously provided your personal information
to that entity. There is no fee for correcting your personal information.

 


HOW DO YOU CONTACT US OR MAKE A COMPLAINT?

If you have any questions or comments on this policy, are concerned about how
your personal information is being handled or if you would like to make a
complaint in respect of our obligations under the APPs, please contact our
Privacy Officer by:

 * Contacting us online
 * emailing us at: privacy@harrisscarfe.com.au 
 * writing to us at: Attention Privacy Officer, Harris Scarfe, Level 6, 111
   Cecil Street South Melbourne 3205 VIC.

We will acknowledge receipt of your complaint as soon as we can and in any event
within 7 days and will let you know if we need any further information from you.

We aim to resolve complaints as quickly as possible.  If we do not believe we
will be able to resolve your complaint in a timely manner, we will let you know
what is happening and a date by which you can reasonably expect a response.

If you are unhappy with our response, you may complain to the Office of the
Australian Information Commissioner about the handling of your personal
information.  The Commissioner can be contacted at:

GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
www.oaic.gov.au


 


CREDIT REPORTING PRIVACY POLICY


ABOUT THE CREDIT REPORTING PRIVACY POLICY

The Privacy Act 1988 (Cth) (Privacy Act) and the Privacy (Credit Reporting) Code
2014 (CR Code) apply to our handling of your credit-related personal
information. Harris Scarfe Financial Services Pty Ltd,ABN 64 130 587 496, (HS,
our, us, we) have developed this policy (CRP Policy) in line with the CR Code
and Privacy Act to provide you with information on how we collect, hold, use and
disclose your credit-related personal information and how you may access and
correct it.

This CRP Policy applies in Australia and primarily in connection with our
consumer credit products such as the Harris Scarfe Value Plus and Harris Scarfe
Value Plus Gold credit cards (HS Cards).

To the extent that the CR Code and Part IIIA of the Privacy Act do not apply to
your credit information, the collection, use and disclosure of that information
will be governed by our general privacy policy (Privacy Policy).

 


WHAT KIND OF CREDIT INFORMATION DO WE COLLECT?

We will collect credit-related personal information about you (Credit
Information) when you apply for and/or obtain our HS Cards. This may include:

 * information that identifies you such as your name, email address, home
   address, date of birth and drivers licence number;
 * information about your financial position such as: your employment, income,
   expenses and savings;
 * details of current and past agreements with us and other credit providers,
   the terms of those agreements including credit limits, the dates of those
   agreements, the kinds of credit products you have had or sought and how you
   managed your obligations in relation to them;
 * the fact that credit has been applied for and the amount and type of credit;
 * whether payments are owed to us or to another credit provider in connection
   with credit provided to you or in relation to which you are a guarantor which
   are overdue for more than 60 days (and, if subsequently repaid, that you have
   done so);
 * whether in our or another credit provider's opinion you have committed a
   serious credit infringement;
 * whether you have entered into arrangements with us or other credit providers
   in connection with credit provided to you;
 * court proceedings information, personal insolvency information and
   credit-related publicly available information;
 * scores, ratings, summaries, evaluations and other information relating to
   your credit worthiness which is derived by us or our agents or by credit
   reporting bodies (CRBs) as that term is defined in the Privacy Act, wholly or
   partly based on the above information; and
 * certain administrative information relating to credit, such as account and
   customer numbers

 


HOW DO WE COLLECT CREDIT INFORMATION?

We collect Credit Information in a variety of ways, including directly from you,
from persons acting on your behalf, from publicly available sources and where
permitted by the Privacy Act and the CR Code, from third parties such as CRBs
and other credit providers. Some Credit Information such as credit scores and
credit risk ratings will also be derived by us from information we have
collected.

Generally, Credit Information that we collect directly from you will also be
subject to our Privacy Policy in addition to this CRP Policy.

 


WHY DO WE COLLECT CREDIT INFORMATION?

The main reasons for which we collect, use, hold and disclose your Credit
Information are to:

 * assess and process an application by you for credit;
 * manage your credit arrangements with us, including reviewing your credit
   arrangement or in connection with changes to it, such as your credit limit;
 * assess certain claims including for hardship;
 * collect overdue payments and to deal with serious credit infringements;
 * create assessments and ratings of your credit worthiness;
 * administer and manage our products and services;
 * communicate with you; work with our service providers, credit managers and
   related companies; and
 * deal with any complaints, enquiries or legal requirements.

We may also use your Credit Information to inform you of products and services
that we believe may be of interest to you. However, you will have the right to
‘opt out’ of this as set out in our Privacy Policy. Any additional purpose for
which we collect your Credit Information will be disclosed to you at the time
you provide that Credit Information to us.

 


HOW DO WE HOLD CREDIT INFORMATION?

We will use all reasonable endeavours to maintain the security of your personal
information and to protect your personal information from misuse, interference
and loss and against unauthorised access, modification or disclosure. Any
personal information that we receive is securely stored and access is restricted
to the GBGM Group and our authorised personnel. Although we ask for credit card
information in order to process some requests from you, we do not store complete
credit card information on our web server.

 


WHO DO WE DISCLOSE YOUR CREDIT INFORMATION TO?

You consent to us providing your Credit Information to:

 * our parent company and its other related companies;
 * third parties engaged by us to perform functions or provide products and
   services on our behalf such as processing credit card information, providing
   mail outs, data storage, debt collection, marketing, research and advertising
   services;
 * our employees and contractors who are authorised by us to use your Credit
   Information in accordance with this CRP Policy and our internal policies;
 * organisations that provide us with insurance; and
 * our professional advisors, including financial advisers, legal advisers,
   accountants and auditors.

We may also disclose your Credit Information to others where we are required or
authorised to do so by law including under the Privacy Act. If we sell all or
part of our business, merge with another company or business or restructure our
business (or contemplate doing this), we may transfer or disclose your Credit
Information to the parties involved in the transaction.

You acknowledge and agree that we may disclose your Credit Information overseas
to our third party service providers, including to service providers based in
the Philippines.

 


CREDIT REPORTING BODIES (CRBS)


WHICH CRBS DO WE DEAL WITH?

You acknowledge that we may disclose Credit Information to, and acquire Credit
Information from, various CRBs. The CRB that we currently deal with is Equifax
Australia Information Services and Solutions Pty Ltd, which may be contacted at:

Website: www.equifax.com.au 
Address: Equifax – Public Access, Equifax Australia Information Services and
Solutions Pty Ltd, GPO Box 964, North Sydney NSW 2059
Telephone: 13 83 32
Email: subscriberassist.au@equifax.com

 


WHEN CREDIT INFORMATION MAY BE ACQUIRED FROM CRBS?

The Privacy Act and the CR Code limit what we can do with the information we
obtain from a CRB. Generally, Credit Information that we collect from CRBs can
only be:

 * used in relation to the consumer credit products you have applied for or hold
   through us;
 * used for our internal management;
 * used or disclosed in connection with any serious credit infringement that we
   believe you may committed;
 * disclosed to our parent company and its other related companies our agents or
   our professional advisors in certain circumstances;
 * disclosed to another entity for the processing and managing of any consumer
   credit products; or
 * disclosed to other credit providers in Australia with your express written
   consent.

 


WHAT ARE YOUR RIGHTS WITH RESPECT TO CRBS?

You have the right to contact CRBs directly to request that:

 * they do not use your credit reporting information for ‘pre-screening’ you by
   credit providers to send direct marketing materials to you; and
 * they do not disclose credit reporting information without your permission if
   you believe on reasonable grounds that you have been, or may be, the victim
   of a fraud.

 


WHAT ARE THE CRBS CREDIT POLICIES?

Each CRB has its own policy as to how they manage your Credit Information. If
you would like to read their policies, please visit their websites or contact
them directly. If you have any concerns regarding their response please contact
the Financial Ombudsman Service Limited on Phone: 1300 78 08 08.

 


HOW DO YOU ACCESS AND CORRECT YOUR CREDIT INFORMATION?

We will give you access to the Credit Information we hold about you and correct
your Credit Information on request.

Where you make a request for access to your credit reporting information, we are
obliged to first obtain sufficient information to allow us to protect the
security of the information, and to verify your identity and entitlement to such
information. You will therefore need to provide sufficient identifying
information to obtain access.

There is no fee for requesting that your Credit Information be corrected or for
us to make corrections. We may impose a reasonable fee for giving you access to
your Credit Information.

Where we are required to do so by the Privacy Act and the CR Code, we will
endeavour to provide you with access to, or correct, your Credit Information,
within 30 days of your request (or provide you with the details of the entity
which can provide you with access to, or correct, your Credit Information).
Where we correct your Credit Information, we will notify other entities, which
we have previously provided that Credit Information to, of the correction as
required by the Privacy Act and the CR Code.

 


HOW DO YOU CONTACT US OR MAKE A COMPLAINT?

If you have any questions or comments on this CRP Policy, are concerned about
how your Credit Information is being handled or if you would like to make a
complaint in respect of our obligations under the Privacy Act or the CR Code (or
those obligations of an entity to whom we have disclosed your Credit
Information), please contact our Privacy Officer by:

 * Contacting us online
 * emailing us at: privacy@harrisscarfe.com.au 
 * writing to us at: Attention Privacy Officer, Harris Scarfe, Level 6, 111
   Cecil Street South Melbourne 3205 VIC.

We will acknowledge your complaint as soon as we can, and in any event within 7
days, and will let you know if we need any further information from you.

We aim to resolve complaints as quickly as possible. If we do not believe we can
resolve the complaint within 30 days, we will let you know what is happening and
a date by which you can reasonably expect a response.

If you are unhappy with our response, you can approach our external dispute
resolution scheme or the Office of the Australian Information Commissioner.

Our external dispute resolution scheme is the Australian Financial Complaints
Authority, which can be contacted at:

GPO Box 3
Melbourne VIC 3001
Phone: 1800 931 678
Email: info@afca.org.au
www.afca.org.au


The Office of the Australian Information Commissioner can be contacted at:

GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
www.oaic.gov.au


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