Effective date: June 2022
This credit reporting policy sets out the purposes for which credit information is collected and what we will do with it. It also summarises your rights in respect of any credit information that we hold.
We may update this credit reporting policy to reflect changes in our goods or servic
What credit information do we collect and hold?
Credit information that we collect and hold may include:
- Your name, address and date of birth;
- he fact that we provide goods and services on credit terms to your organisation;
- The fact that your organisation has applied for commercial credit, and we have accessed your credit report to assess that credit application;
- Certain publicly available information that relates to your activities in New Zealand, and your creditworthiness;
- Information that, in our opinion, you have committed a serious credit infringement (that is, acted fraudulently or shown an intention not to comply with your credit obligations);
- Assessments, evaluations, scores, ratings, summaries and other information relating to your credit worthiness which is derived by a credit reporter or us, wholly or partly based on the above; and/or
- • Administrative information relating to credit provided by us.
How do we collect your credit information?
We collect your credit information through:
- Your dealings with us or by persons acting on your behalf, such as with credit applications and service agreements (including our Terms of Trade) between your organisation and us;
- Information which is publicly available; and/or
- Information which we received from third parties, such as credit reporters or other credit providers.
Why do we collect, hold, use and disclose your credit information?
We collect, hold, use and disclose your credit information as reasonably necessary for our
business purposes and as permitted by law, including:
- To assess whether we will provide credit;
- If we determine to provide credit, to set applicable limits and terms;
- To derive assessments, evaluations, scores, ratings, summaries relating to your credit worthiness that we use in our decision-making processes;
- For account review and management;
- To participate in the credit reporting system;
- To undertake debt recovery and enforcement activities; and/or
- To deal with serious credit infringements.
How do we hold your credit information?
To whom may we disclose credit information?
To a credit reporter
We may give your credit information to Equifax NZ, QBE NZ Trade Credit Insurance or any other credit reporter:
• To obtain a credit report about you; and/or
• To use the information in carrying on its credit reporting business, including to create
or maintain a credit reporting information file about you;
The credit reporter may include such information in reports provided to us or others to assist them to assess your credit worthiness.
You have a right to request the credit reporter not to use or disclose your credit information if you believe on reasonable grounds that you are, or are likely to be, a victim of fraud. You can contact the credit reporter to obtain information about how they manage credit information using the contact details below:
QBE NZ Trade Credit Insurance
by post: PO Box 44, Auckland 1140
by phone: (09) 366 9920
(visit QBE NZ Trade Credit Insurance's website at www.qbe.com/nz/business-
insurance/trade-credit for their most up-to-date contact details)
To other recipients
We may share your credit information with other credit providers, our affiliates and related companies, current or prospective guarantors or security providers in relation to credit we provide, and organisations involved in securitisation arrangements or debt assignments.
In the course of providing our services, we may disclose your credit information to our
How can you access your credit information?
You have rights to access your credit information held by us. You can contact us on the
contact details below to make an access request.
We will send a response to an access request as soon as is reasonably practicable, and in any case not later than 20 working days after the day on which the request is received. If we require a longer time, we will let you know. If we refuse your request, we will provide you with a notice explaining our decision. Any access request may be subject to a fee to meet our costs in providing you with details of the information we hold about you.
How can you correct your credit information?
If you believe that any credit information about you that we hold is incorrect, you have a right to request that we correct that information. You can contact us on the contact details below to make a correction request.
We will respond to the request as soon as is reasonably practicable (and in any case not
later than 20 working days after the correction request is made). If we require a longer time, we will let you know. If we refuse your correction request, we will provide you with a notice explaining our decision and how you can complain about our decision. We may impose a reasonable charge for providing assistance on the correction request and attaching a statement of correction (if any) to personal information.
What is the process for complaining about a breach of privacy?
If you believe that we have not complied with our obligations under the Privacy Act 2020,
please contact us first. You can contact us on the contact details below. We will provide
you with an acknowledgment of your complaint within 2-3 days.
We will endeavour to respond to your complaint within a reasonable period of time
depending on the nature of the request/complaint. We may consult with a credit reporter or another credit provider if we consider it necessary to deal with your complaint. If we disclose your credit information while investigating your complaint, we may also advise the recipient about your complaint.
If you are not satisfied with how we resolved your complaint, you may also make a complaint to the Privacy Commissioner. Visit their website at www.privacy.org.nz for their contact details.
If you have any questions about our credit reporting policy or any concerns or a complaint regarding how we handle your credit information, please contact us as follows:
The Privacy Officer
FUJIFILM NZ Limited
2C William Pickering Drive,
Rosedale, Auckland 0632
Postal address: PO Box 101-500, North Shore, Auckland 0745
Telephone: 09 414 0400
Facsimile: 09 414 0410