At Credit Union SA we understand the importance of protecting every individual's right to privacy, and are bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth) (Privacy Act). We are also bound by Division 3 of Part IIIA of the Privacy Act (which regulates the handling of credit information, credit eligibility information and related information by credit providers) and the Credit Reporting Privacy Code.
The Australian Privacy Principles (APP) are principles-based laws designed to safeguard the information privacy of individuals. They replace the National Privacy Principles, which previously applied to certain private-sector organisations (including financial institutions), and the Information Privacy Principles, which previously applied to Commonwealth Government agencies. The core objective of the APP regime is to give appropriate protection to individuals when the Credit Union collects, holds, uses, discloses and seeks to correct their personal information.
The Australian Privacy Principles commenced on 12 March 2014. This means personal information collected on or after 12 March 2014 is subject to the APPs.
Our Privacy Permission provides individual loan applicants with details of matters the credit union must provide them with pursuant to the Privacy Act (APP 5) and as a result of disclosing information to a Credit Reporting Body as part of the loan application process.
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