Website Term of Use
The expressions “we”, “us” and “our” are a reference to All Metal (Australia) Pty Ltd ACN 151 527 383 (“All Metal”), except where otherwise indicated. The term “you” and “your” refers to the user or viewer of our website.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. Whilst we have no reason to believe that any of the information and materials contained on this website are inaccurate, you acknowledge that such information and materials may contain inaccuracies or errors (including, without limitation, typographical errors, technical inaccuracies, and/or information that is not accurate, complete, or current) and, to the maximum extent permitted by law, we accept no liability for any such inaccuracies or errors, nor do we undertake to keep this website updated. We do not accept responsibility for loss suffered as a result of reliance by you upon the accuracy or currency of information contained on this website.
Your use of any information or materials on this website is entirely at your own risk. It is your responsibility to ensure that any products, services, or information detailed through this website meet your specific requirements.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
Mode of Access
In order to use this website, you will need internet access, devices, and systems which are compatible with this website. It is your responsibility to ensure that you meet the relevant requirements (which may change from time to time). We have no obligation to make this website available on any particular device or system, whether or not such device or system can currently, or has in the past been able to, access this website.
We may exchange your details with third party service providers, who may assist us with marketing, IT, accounting, payment, data processing or other services. Some of these third parties may be located outside of Australia.
Cookies are text files which are stored on your computer or mobile device (by your web browser) that record specific information, such as which pages you visit, the information you have searched for, or the device you are using to access our website.
You may elect to disable or turn off cookies in your web browser, however, this may impact upon the services we are able to offer you on our website and may impact upon your ability to access certain features of our website.
Our server will also automatically record your Internet Protocol address (IP address).
An IP address is a numerical designation assigned to each device connected to a computer network by your internet service provider. While IP addresses can be used to identify the general physical location of a computer, they are otherwise anonymous, and we will not use your IP address to identify you.
Except where otherwise specified, any word or device to which is attached the TM or ® symbol is a registered trade mark.
All trade marks reproduced in this website, which are not the property of, or licensed to All Metal, are acknowledged on this website.
If you use any of our trade marks in reference to our activities, goods or services, you must include a statement attributing that trade mark to us. You must not use any of our trade marks:
Unless we agree otherwise in writing, you are provided with access to this website only for your personal use. You are authorised to print a copy of any information contained on this website for your personal use, unless such printing is expressly prohibited. You may not without our written permission on-sell information obtained from this website.
From time to time, this website may contain links to other websites (“Linked Websites”). Those links are provided for convenience and may not remain current or be maintained. Such Linked Websites are not under our control and, accordingly, we are not responsible for, and we do not endorse, the content of such Linked Websites, including any information or materials contained therein. You will need to make your own independent judgment regarding your interaction with any Linked Websites. We are not responsible for the content or privacy practices associated with Linked Websites. Our links with Linked Websites should not be construed as an endorsement, approval, or recommendation by us of the owners or operators of those Linked Websites, or of any information, graphics, materials, goods, or services referred to or contained on those Linked Websites, unless and to the extent stipulated to the contrary.
Specific Warnings – Website
You must ensure that your access to this website is not illegal or prohibited by laws which apply to you. You warrant to us that you are of sufficient legal age to use or participate in all services and features available on our website.
You must take your own precautions to ensure that the process which you employ for accessing this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. For the removal of doubt, we do not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of this website or any Linked Website. Responsibility for the content of advertisements appearing on this website (including hyperlinks to advertisers’ own websites) rests solely with the advertisers. The placement of such advertisements does not constitute a recommendation or endorsement by us of the advertisers’ products and each advertiser is solely responsible for any representations made in connection with its advertisement.
Details contained on this website relating to goods or services have been prepared in accordance with Australian law and may not satisfy the laws of any other country. We do not warrant that the details on this website concerning those goods or services will satisfy the laws of any other country. It is your responsibility to determine whether these details satisfy the laws of the jurisdiction where you reside (if that jurisdiction is outside Australia).
You acknowledge that despite all reasonable precautions on our part, there is a risk of unauthorised access to or alteration of your transmissions or data or of information contained on your computer system or on this website. We do not accept responsibility or liability of any nature for any such losses which you may sustain as a result of such activity.
We take all reasonable steps to keep secure any information which we hold about you. Personal information may be stored both electronically on our computer system, and in hard-copy form. Firewalls, 128 SSL encryption, passwords, anti-virus software, and email filters act to protect all our electronic information.
To maximum extent permitted by law, we do not accept responsibility for any loss or damage, however caused (including through negligence), which you may directly or indirectly suffer in connection with your use of this website or any Linked Website, nor do we accept any responsibility for any such loss arising out of your use of or reliance on information contained on or accessed through this website.
Termination of Access
Access to this website may be terminated at any time by us with or without notice. Our disclaimer will nevertheless survive any such termination.
Governing Law and Jurisdiction
If you access this website in a jurisdiction other than New South Wales, Australia, you are responsible for compliance with the laws of that jurisdiction, to the extent that they apply. We make no representation that the content of this website complies with the laws of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access this website.
All Metal (Australia) Pty Ltd ACN 151 527 282 and its related bodies corporate are referred to as “we”, “our”, or “us” in this statement.
Under Part IIIA of the Privacy Act and Credit Reporting Privacy Code, there are several ‘notifiable matters’ that we must disclose to you at or before the time of collecting personal information that is likely to be disclosed by us to a Credit Reporting Body (CRB). This statement contains important information about credit reporting, including information about the CRBs we may disclose your credit-related information to, and should be read in conjunction with our Credit Reporting Policy.
You should be aware of the following matters:
1. You can obtain a copy of our Credit Reporting Policy directly from our website or by contacting our Privacy Officer using the following details:
By telephone: 1300 721 704
In writing: The Privacy Officer, All Metal (Australia) Pty Ltd
8 Ace Crescent, Tuggerah NSW 2259
By email: firstname.lastname@example.org
2. You have a right to access the credit-related information we hold about you, request that we correct the credit-related information we hold about you and/or make a complaint about a failure by us to comply the credit reporting provisions of the Privacy Act or the Credit Reporting Privacy Code. Information about how you how you can make an access or correction request, or make a complaint to us, is set out in our Credit Reporting Policy (including information about how we will deal with a complaint).
3. If you commit a serious credit infringement, we may be entitled to disclose that infringement to a CRB.
4. We are not likely to disclose your credit-related information to entities that do not have an Australian link.
5. A CRB may include the credit-related information we disclose to it in reports which are provided to other credit providers to assist those other credit providers to assess your credit worthiness.
6. You have a right to request that a CRB not use their credit-related information for the purposes of pre-screening of direct marketing by a credit provider, and that a CRB not use or disclose your credit-related information if you believe, on reasonable grounds, that you have been or are likely to be a victim of fraud.
7. The CRBs we deal with are Veda and Dun & Bradstreet. You can obtain a copy of Veda’s credit reporting policy from its website at www.veda.com.au or by contacting it directly on telephone number 1300 762 207. You can obtain a copy of Dun & Bradstreet’s credit reporting policy from its website at www.dnb.com.au or by contacting it directly on telephone number 1300 734 806.
This Credit Reporting Policy sets out how All Metal (Australia) Pty Ltd ACN 151 527 282 and its related bodies corporate (referred to as “we”, “our”, or “us” in this policy) manages the personal information we obtain from credit reporting bodies (CRBs) and other types of credit-related personal information. We are committed to protecting your privacy and ensuring that we comply with the Privacy Act and Credit Reporting Privacy Code (CR Code).
This Credit Reporting Policy does not apply to the commercial credit we provide to companies. However it will apply to an individual who applies to us for commercial credit, and to other individuals we deal with in connection to the provision of commercial credit (such as directors and individual guarantors). If you are unsure whether this Credit Reporting Policy applies to you, please contact our Privacy Officer using the contact details set out below.
We conduct regular reviews of our policies and procedures, and we may change our Credit Reporting Policy from time to time. The most current version of our Credit Reporting Policy will be available on our website. A copy of our Credit Reporting Policy is also available free of charge by contacting our Privacy Officer using the contact details set out below. We will take reasonable steps to provide a copy of our Credit Reporting Policy in the form requested.
The types of information we collect and hold may include:
• Identification details, such as your name, address(es), telephone number(s), date of birth, driver’s licence number, and current or last known employer
• Details of consumer and commercial credit you have applied for (including the type and amount of credit), where we have requested that information in connection with an application for credit and/or a guarantee
• Information about payment(s) of $150 or more which become more than 60 days overdue
• Information about new credit arrangements you may have made with a credit provider (such as variation of existing credit terms and conditions or the provision of new credit)
• Information about your current or terminated credit accounts (including the name of the credit provider, the date on which the credit was entered into and/or terminated, and the limit of the credit account)
• Advice that payments that were previously notified as unpaid are no longer overdue
• That we have made an information request about you to a CRB to assess a credit application and/or a guarantee
• That another credit provider, or a trade insurer, or a mortgage insurer, has made an information request about you to a CRB
• Information provided to us by a CRB, including information about you which assists us to assess your suitability for commercial credit or as a guarantor of commercial credit
• The type and amount of commercial credit we provide to you or that you have sought from us in a commercial credit application
• That you have offered to act as guarantor in relation to a commercial credit application made to us, or that you are acting as guarantor in relation to commercial credit provided by us
• That commercial credit we provided (to you, or an entity associated with you, or in your capacity as guarantor) has been paid or otherwise discharged
• Whether, in our opinion or the opinion of another credit provider, you have committed a serious credit infringement
• Publicly available information that relates to your activities in Australia and your credit-worthiness
• Information about you on the National Personal Insolvency Index
• Information about court judgment(s) which relate to credit you have obtained or applied for
The Privacy Act has detailed definitions describing the types of information set out above. However in this Credit Reporting Policy we collectively refer to these types of information as “credit-related information”. We will only collect credit-related information about you by lawful and fair means, and in accordance with the Privacy Act and CR Code.
We may obtain credit-related information about you from:
• Veda and Dun & Bradstreet (the CRBs we deal with)
• Information about your commercial credit-worthiness from businesses that provide that type of information (such as the Building Industry Credit Bureau and Building Trade Credit)
• Information you provide to us, including the information contained in a completed application for commercial credit and/or guarantee (such as your name, date of birth, residential and/or business address, contact details, trade references, banking details, assets, income, and financial position)
• Other credit providers (where you consent to us collecting that information or we are permitted to do so under the Privacy Act)
• Information we collect in the course of our dealings with you in connection with credit, such as when you make payments to us Where we outsource our functions to third party services providers, those providers may also credit-related information from you on our behalf.
We may collect, hold, use, and disclose credit-related information about you that is reasonably necessary for our business purposes and as permitted by law. Those purposes may include:
• Verifying your identity
• Assessing an application made to us for commercial credit (by you or an entity associated with you)
• Assessing whether we will continue to provide commercial credit (to you or an entity associated with you)
• Assessing your suitability as a guarantor where you have offered to provide us with a guarantee in relation to an application for commercial credit, or in relation to commercial credit already provided by us
• Deriving scores, ratings, summaries, and evaluations relating to your credit-worthiness which are used in our decision-making processes
• Assisting you to avoid defaulting on your credit-related obligations to us
• Managing the credit we provide and our relationship with you
• Undertaking debt recovery and enforcement activities (including in relation to guarantors)
• Disclosing your credit-related information to a guarantor, or someone you have indicated is a prospective guarantor, in relation to an application for commercial credit or in relation to commercial credit already provided by us
• Disclosing your credit-related information to our related bodies corporate that are also considering whether to provide credit (to you or an entity associated with you and/or in your capacity as guarantor)
• Disclosing your credit-related information for our internal management purposes
• Disclosing your credit-related information to other third parties that provide services to us (including debt collectors, lawyers, and advisers)
• Dealing with any complaints, or access or correction requests you make to us
• Responding to a consultation request made to us by a CRB or another credit provider
• Conducting fraud assessments and dealing with serious credit infringements
• Exchanging information (including default information) with other credit providers, as permitted by the Privacy Act and CR Code
• Participating in the credit reporting system and exchanging information with CRBs as permitted by Part IIIA of the Privacy Act and CR Code.
• Satisfying legal and regulatory requirements
• Where you otherwise expressly consent to our collection, use and/or disclosure of your credit-related information
Some credit-related information may only be used or disclosed under the Privacy Act for some of these purposes, or in some of those circumstances. We are not likely to disclose your credit-related information to recipients located outside of Australia.
We may refuse an application for commercial credit and/or reject a guarantee based wholly or partly on your credit-related information.
We may disclose your credit-related information to a CRB for the purposes set out above and where the Privacy Act permits us to do so. The types of information we may disclose to a CRB include:
• That you have applied for credit with us (including the amount of credit) and/or that we are a current provider of credit to you
• That you have guaranteed credit to us (including the amount of credit guaranteed)
• That you have failed to meet your payment obligations to us (including the amount of an outstanding debt)
• Advice that payments that were previously notified as unpaid are no longer overdue
• That credit we provided to you has been paid or otherwise discharged
• That a guarantee you provided to us has been satisfied or otherwise discharged
• In some circumstances, that in our opinion you have committed a serious credit infringement
CRBs may include that information in reports provided to credit providers like us to assist them in assessing your creditworthiness.
Under the Privacy Act, CRBs are permitted to use credit reporting information to assist credit providers who wish to direct market to you by ensuring you meet certain criteria. This is known as “pre-screening”. You have a right to contact a CRB and request (at no cost to you) that a CRB does not use your information for this purpose.
You also have a right to request that a CRB not use or disclose your credit-related information if you reasonably believe that you have been, or are likely to be, a victim or fraud (including identity fraud).
You can contact the CRBs we exchange information with using the details below:
Veda – Customer Resolutions
PO Box 964
North Sydney NSW 2059
1300 762 207
You may obtain a copy of Veda policy about their management of credit-related information by contacting them or visiting their website.
Dun & Bradstreet
Attention: Public Access Centre
PO Box 7405
St Kilda VIC 3004
1300 734 806
You may obtain a copy of Dun & Bradstreet’s policy about their management of credit-related information by contacting them or visiting their website.
Exchange of credit-related information with trade insurers
In connection to an application for commercial credit, trade insurers may also obtain credit-related information about you from us or a CRB for the purpose of assessing whether to provide insurance to us in relation to the commercial credit we provide you (including assessment of the risk of insuring us, the risk of default by you and/or you in your capacity as a guarantor).
Use of third party service providers
We will disclose your credit-related information when we outsource certain of our functions to third party service providers. The functions we may outsource include:
• Managing the supply of our products and services
• Establishing credit accounts and managing credit provided to our customers
• Assessing credit applications and/or guarantees
• Responding to enquiries about applications, accounts, and our products and services
• Conducting checks for credit worthiness and/or fraud
• Debt collection
How do we store and protect your credit-related information?
We store credit-related information in both paper-based records and in electronic form (such as on computer servers) on our systems or the systems of our service providers. We take all reasonable precautions to safeguard your information from misuse, interference and loss, and unauthorised access, modification or disclosure, including:
• Restricting access to credit-related information stored in our electronic and paper-based records
• Using technology products to prevent unauthorised access to our electronic databases (such as industry standard firewalls) and ensure the security of electronic transmissions
• Training, policies and procedures in relation to the use of our computers and management of credit-related personal information (including informing and training our employees who handle credit-related information of the requirements of the Privacy Act, CR Code, and Privacy Regulations)
• Requiring all of our third party service providers to handle personal information in accordance with the Privacy Act, CR Code and Privacy Regulations
When we no longer need your credit-related information, and we are not required by law to retain the information, we will take reasonable steps to destroy that information or to ensure it is de-identified.
The internet is not a secure method of transmitting information. Other than where we use Secure Socket Layer (SSL) technology (such as for the transmission of credit card information), to the maximum extent permitted by law we cannot and do not accept responsibility for the security of information you send to or receive from us over the internet, or the unauthorised access or use of that information.