ReD Privacy Policy: Protecting
your privacy
Our Commitment
Retail Decisions (ReD) is an international supplier of
fraud prevention, risk management and card transaction analysis
services to the retail, financial services and telecommunications
industries.
This infrastructure provides a platform for a full range of
quality card based services, including the development of
proprietary label cards. ReD is committed to the delivery of a
range of sophisticated, customised solutions designed to suit the
changing needs of Australian businesses and an increasingly high
level of service.
Protecting your privacy
Protecting your privacy and the confidentiality of your personal
information is fundamental to the way we do business.
Retail Decisions has a long history of handling personal
information confidentially. We treat very seriously the ongoing
trust you have in us to protect your personal information.
We have robust systems and procedures in place to protect your
privacy whenever we collect, store, use or disclose your personal
information.
The ReD Privacy Policy explains how we protect your privacy,
including:
- the importance of your consent before we disclose your personal
information to third parties
- how we respect your privacy in the course of using your
personal information; and
- how your privacy is protected when you access our web sites via
the Internet.
This Privacy Policy only covers the Australian operations of
ReD.
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How we collect your personal information
We collect most personal information directly from you. For
example, we may collect personal information when you open an
account, fill in an application form, deal with us over the
telephone, send us a letter, visit our web sites, or when you have
contact with us in person.
There may be occasions when we need to source personal
information about you from a third party. For example, we may
collect personal information from a credit reporting agency.
The type of personal information we collect always includes your
name and may include your mailing address, telephone number, e-mail
address, date of birth, and other financial details.
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How we use your personal information
We collect your personal information to provide you with a
particular product or service; for example, opening and operating a
Motorpass or Account card account.
We may use personal information for related purposes
We may also use or disclose your personal information for
purposes related or ancillary to the main reason we collect it,
such as:
- servicing our relationship with you;
- internal accounting and administration;
- regulatory reporting and compliance;
- protecting you and ReD from error and fraud; and
- helping us to identify and inform you about other products or
services that may be of benefit to you.
We may outsource some of our functions and activities; for
example, we may provide names and addresses to a mailing house to
mail account statements to you. In these situations, we prohibit
the third parties from using personal information about you except
for the specific purpose for which we supply it.
Can we use your tax file number or other Commonwealth agency
identifiers?
We do not use any Commonwealth agency identifiers, such as
Medicare numbers, as your account, policy or application
number.
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Our duty of confidentiality
We have a duty to keep confidential all personal information we
hold about you, including:
- your name, address, and financial data;
- the debit or credit balance of your account; and
- details of transactions on your account.
Our duty of confidentiality applies except where disclosure of
your personal information is:
For example, disclosure to various Government departments and
agencies such as the Australian Taxation Office, and disclosure to
courts under subpoena.
For example, where a crime, fraud or misdeed is committed or is
suspected, and disclosure against the customer's rights to
confidentiality is justified.
For example, disclosure to a court in the event of legal action
to which ReD is a party; or necessary disclosures.
Your consent is important
Your consent can be express or implied.
Your express consent can be verbal or written; for example when
you sign an application for an account you are giving your express
consent for us to obtain a credit reference about you from a credit
reporting agency.
Your consent is implied when we can reasonably conclude that you
have given consent by some action you take, or when you decide not
to take action. For example, if you use our telephone service and
continue the call after hearing the recorded message telling you
that the call may be monitored for training purposes, you have
given us your implied consent to monitor your call.
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Disclosing to third parties
Except where it is required by law, we only disclose personal
information to third parties with your express or implied
consent.
For example, we may disclose personal information to: a credit
reporting agency.
ReD does not disclose names and addresses to third parties for
the purposes of allowing them to direct market their products and
services unless you have given your prior consent.
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Direct marketing and your privacy
From time to time we may use the personal information we have
collected from you to identify products and services, which may be
of interest to you. We may then contact you by phone, post or
electronic means to let you know about these products or
services.
If you do not wish to receive direct marketing information, you
can tell us at any time. Please allow a little time for your
instructions to one part of ReD to flow through to the rest of
ReD.
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We keep your personal information
up-to-date
If we have accurate personal information about you, it enables
us to provide you with the best possible service. Please contact us
if any of your personal information changes. We take reasonable
steps to ensure that your personal information is accurate,
complete and up-to-date whenever we collect or use it.
We will correct personal information
If you find that current personal information we hold about you
is inaccurate, incomplete or out-of-date, please contact us
immediately and we will correct it.
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You can access your information
You can request access to the information we hold about you. The
type and quantity of information requested dictate the time it will
take us to supply personal information. We will contact you
regarding your request within three working days of receipt to
advise you of the expected response time. Please be aware that the
provision of some types of information may incur a fee. You will be
advised of any charges after we have reviewed your written
request.
You can contact us in the following ways
- call our Customer Relations Team on 1300 366 109
- write to us at Reply Paid 1659, GPO Box 5342, Melbourne Vic
3144
- e-mail us at privacy@retaildecisions.com.au
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We store your personal information securely
We protect any personal information that we hold from misuse and
loss. We also protect it from unauthorised access, modification and
disclosure.
Only authorised users can access your personal information, and
access is only for approved purposes.
Your personal information may be stored in hardcopy documents,
as electronic data, or in ReD's software or systems.
We maintain physical security over our paper and electronic data
stores and premises, such as locks and security systems. We also
maintain computer and network security; for example, we use
firewalls (security measures for the Internet) and other security
systems such as user identifiers and passwords to control access to
computer systems.
ReD Security Policy
We have comprehensive security policies and procedures
documented in our internal security policy. Your personal
information will be recorded, amended and deleted only by
authorised means.
In addition, all employees sign confidentiality agreements as a
condition of working for ReD.
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Web site security and privacy
The Internet has rapidly changed the way we do business it
allows ReD to provide services that you can access from the
convenience of your own home or office.
We understand that you may be concerned about the
confidentiality and security of the personal information we collect
about you online. Accordingly, we have systems in place to ensure
our online dealings with you are as secure and confidential as your
dealings with us in person, or on the telephone
Details relating to our web site security and privacy are
available from the Motorpass Web Site Security and Privacy
Statement at: www.motorpass.com.au
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Resolving your concerns
We respond quickly to complaints
If you believe that the privacy of your personal information has
been compromised, you are entitled to complain. We will respond to
your complaint as soon as possible but within 2 working days, to
let you know who is responsible for managing your complaint. We
will try to resolve the complaint within 10 working days. When this
is not possible, we will contact you within that time to let you
know how long we estimate it will take to resolve the
complaint.
We have also appointed a Customer Advocate who will objectively
and impartially investigate your complaint if you are dissatisfied
with our internal complaints process.
How to make a complaint
If you have a complaint about the handling of your personal
information, you are entitled to complain. We will take
responsibility for your complaint at the point where the problem
occurs. If your complaint is not resolved to your satisfaction, you
can then contact our Privacy Officer between 9am and 5pm Eastern
Standard Time, to deal with your complaint.
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Phone
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1300 366 109
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Mail:
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Privacy Officer
Retail Decisions Pty Ltd.
Level 1, 2-6 Glenferrie Rd
Malvern VIC 3144
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Fax:
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03 9274 9130
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Email
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privacy@retaildecisions.com.au
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Need more
information?
If you have a query on how your personal information is
collected or used, or any other query relating to ReD's Privacy
Policy, call 1300 366 109, 8:45am to 7:00pm EST, Monday to
Friday.
Website Privacy and Security
Statement
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Our Commitment
At ReD, we acknowledge that with customer trust comes
responsibility and we take seriously our duty to ensure that our
customer data remains confidential, accurate and accessible to it's
owner.
The information contained in the following sections outlines how
your information is used, protected and recorded during your
interaction with the Motorpass website. All information pertaining
to privacy issues displayed on this site applies only to ReD's
Australian-based operation.
Our Privacy Policy may change from time to time. Accordingly, we
encourage you to view our Privacy Policy on a regular basis.
Our Website Privacy Policy is subject to the agreement contained
in our disclaimer and by which you have agreed to be bound by
accessing the information, products and services contained in this
site.
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Our goal
As technology advances, we will strive to provide our customers
with a more effective website that offers an increased range of
services and additional interactive capabilities. In doing so, a
prime focus will be on maintaining the security of our site to the
best of our abilities and to using the data gathered to better
understand your needs in order to tailor our products and services
accordingly. Information gathered via our website will be handled
with proper regard to privacy.
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What information do we obtain from our
Website?
Our system automatically collects some information from your
computer when you complete a membership application and when you
log in to our system through the www.motorpass.com.au
website. Generally, the information we collect in this
way is not personal information and cannot be used to identify
you.
Our system automatically collects the unique network address of
your computer, generally called the "IP address", so that our
system can send information to your computer. It is possible
to determine the general geographical location of a computer from
its IP address. But in all other respects an IP address is
anonymous.
We only collect your email address when you voluntarily submit
it to us. We do not use your email address and IP address to
personally identify you.
For security and record keeping purposes, we use "cookie"
technology to collect and retain information about the session
between the your computer and our system.
Definition of a 'cookie" - A cookie is a small text file stored
by a web site on your computer to keep track of information about
your browsing on that site
We also collect non-identifying information about your use of
the www.motorpass.com.au
website. We aggregate this information with information
collected from other users so that we can evaluate and improve the
services provided through our system.
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E-mail communications
In accordance with the National Privacy Principles, ReD offers
customers full access to the personal information we hold and the
ability to update this information. Through the website, this is
done via the member's login area, which allows customers to view
and update personal information.
This secured area also provides a means for customers to decline
receipt of e-mail or marketing updates.
This information is transmitted back to us by use of SSL
technology (refer to the "Security Section" later in this
document).
Data collected from online surveys includes personal
information. This data is collected specifically for the purpose of
providing feedback on our products and services and is used only to
aid in improving our offerings and increasing the level of customer
service we provide.
In some circumstances, we may be prohibited from disclosing some
account information. For example, this may apply in a situation
whereby it is unlawful for us to do so or for reasons of safety or
security. We will advise you at the time of your request if such
circumstances exist.
At times, this site may house links to that of other businesses
whom we feel provide products and services that may be of value to
you. When you access these sites, you are subject to the Privacy
Policy of that company.
Please be aware that ReD is not responsible for the privacy and
data security practices of any affiliated company and that these
practices may differ from our own. We recommend that you read the
Privacy Statements of all sites that you choose to visit or contact
the organisation direct before you submit any personal
information.
E-mail addresses are required in order to register for some
features on www.motorpass.com.au. We do
not sell or provide our customers' e-mail addresses to third
parties for unsolicited communications.
Occasionally, we will send e-mail communications to provide
information that we think our customers will find useful, including
information about our new products and services as well as special
offers. It is our policy to include an option in such e-mails that
allows recipients to decline to receive any further marketing and
promotional offers. The "opt out" option is also accessible via the
members secure login area of the website.
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Which third parties may see information about
you?
Only Retail Decisions staff and our affiliated supply companies
have access to customer data. These companies have been contracted
to fulfil a function that is necessary in delivering our services
and are legally bound by non-disclosure agreements. We provide to
each organisation only the information they require to perform the
service they provide.
We share an individual's information with associates providing
products and services you request. For instance, if you wish to
purchase an insurance policy or roadside assistance package, we
work with a variety of providers in order to offer you these
services. If we change providers of an existing service for a
similar service, your personal information will be given to the new
provider.
We will not willfully disclose individually identifiable data
about our customers to any third party without first receiving that
customer's permission.
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Security
Data collected and transferred through the secured member log in
section of this site uses Secure Socket Layer (SSL) technology.
This protects information being transmitted on-line by
automatically applying to the message an encryption code that is
"unreadable" to a computer that is not the intended recipient.
This site uses 128-bit encryption and authentication tools to
protect your personal information. Encryption is the standard means
of protecting information transferred between two parties over the
Internet.
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Give us your feedback
Our goal is to protect your privacy. Please give us your
feedback. You may email us (privacy@motorpass.com.au)
with any comments or questions.
Alternatively contact information can be located on the Contact Us page.
If you would like to view a copy of our broader Privacy Policy,
please contact us as above.
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