Thank you for applying for a credit account with Marano Enterprises (Miallo) Pty Ltd.
This online application service has been provided so we can process your application as quickly as possible.
To complete your application, we will ask for the following information to be provided:
If you require any assistance with your application, please contact our accounts department on 07 4098 8222
CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
1. Purpose
1.1. The purpose of this Privacy Statement is to outline how Marano Enterprises (Miallo) Pty Ltd as Trustee for The Marano Family Unit Trust trading as Marano’s Fuel (referred to as “we”, “us” and “our”) will:
1.1.1. collect and manage your Personal Information;
1.1.2. protect your Personal Information;
1.1.3. provide you with access to your Personal Information for the purpose of correcting your Personal Information or otherwise; and
1.1.4. process complaints if you are concerned about our handling of your Personal Information.
2. Policy Statement
2.1. Personal Information will be collected, secured, maintained, used, disclosed and erased:
2.1.1. in accordance with the Privacy Act 1988 (“Privacy Act”);
2.1.2. the Australian Privacy Principles (“APPs”);
2.1.3. this Privacy Statement; and
2.1.4. for the purpose of our business functions and activities.
3. Publication on our Website
3.1. We may update or change this Privacy Statement from time to time.
3.2. By continuing to use our website, or otherwise continuing to deal with us, you accept this Privacy Statement (and any updates or changes to the Privacy Statement) as it applies from time to time.
4. What is Personal Information?
4.1. Personal Information is defined by the Privacy Act and means:
4.1.1. information or an opinion about an identified individual or an individual who is reasonably identifiable;
4.1.2. whether the information or opinion is true or not; and
4.1.3. whether the information or opinion is in a material form or not.
4.2. The types of Personal Information that we may collect from an individual will depend on why and the circumstances in which the information is collected.
4.3. We may collect information about an individual which includes the individual’s:
4.3.1. name;
4.3.2. date of birth;
4.3.3. sex or gender;
4.3.4. financial details (such as credit card details);
4.3.5. contacts (email address; residential or business address or mobile phone number);
4.3.6. business contacts (for example a referee for a credit application); and
4.3.7. banking or credit card information.
4.4. If an individual applies for employment with us or is one of our contractors, we may also collect information relevant to the employment application or contractor’s engagement, including the individual’s name, contact information, qualifications, residency status, next of kin, banking details and reference information.
4.5. Information that is not about an individual or which has identifying information redacted or removed (so the identity of the individual cannot be ascertained) will not be Personal Information.
5. What is covered by this Privacy Statement?
5.1. All Personal Information that we collect and hold or may, in the future, collect and hold is covered by this Privacy Statement.
5.2. This includes information that you may provide when you visit our website, order goods and services from us, enter a competition or promotion or fill out any application (including application for employment or credit account application) or respond to a survey.
6. What kind of Personal Information do we collect and hold?
6.1. We may collect Personal Information by various means and sources in the course of undertaking our business functions and activities including:
6.1.1. directly from you when you provide Personal Information to us when:
6.1.1.1. you acquire goods or services from us; or
6.1.1.2. you provide goods or services to us;
6.1.2. directly from you when you use our website including our social media applications and other web based applications;
6.1.3. directly from you if you enter any of our promotions or competitions;
6.1.4. from third parties: for example, any business/trade referees that customers provide to us to assess their credit applications; and
6.1.5. through security videos and audio surveillance at our business sites.
6.2. Where practical and reasonable, we will:
6.2.1. collect Personal Information directly from the individual concerned; and
6.2.2. tell that individual that we are collecting Personal Information about that person.
6.3. Generally, we do not require individuals to disclose sensitive information or health information, but we may do so if that is necessary for employment, work health and safety or any other lawful purpose.
7. What do we do with unsolicited Personal Information?
7.1. If we receive unsolicited Personal Information (Personal Information that we receive when we have taken no steps to collect that information) then we will, within a reasonable time, decide whether we could, under the APPs, have solicited that Personal Information.
7.2. If we determine that we would not, under the APPs, have been permitted to solicit the Personal Information, we will, as soon as practicable and reasonable and if lawful, destroy or de identify that unsolicited Personal Information.
7.3. If we determine that we could, under the APPs, have solicited the Personal Information, then we may use and disclose the Personal Information for the purpose for which it was disclosed and as permitted by the Privacy Act.
8. How we use and disclose your Personal Information?
8.1. The purpose for which we use and disclose Personal Information will depend on why and the circumstances in which it was collected.
8.2. We may use or disclose Personal Information:
8.2.1. for the purposes for which it was collected;
8.2.2. for a related secondary purpose, if the use or disclosure could reasonably be expected;
8.2.3. for other purposes to which an individual has consented; and
8.2.4. as otherwise authorised or required by law.
8.3. Specific purposes for which we may use or disclose Personal Information include:
8.3.1. the supply of goods and services to or acquisition of goods and services from an individual or business;
8.3.2. to improve our products and services;
8.3.3. to contact you for marketing purposes;
8.3.4. to consider whether to engage you as an employee or contractor;
8.3.5. if applicable, managing or administering your engagement or employment;
8.3.6. to transact business with you or your employer or head contractor including managing contracts and relationships with those parties;
8.3.7. to collect overdue payments in respect of a customer’s credit account; and
8.3.8. to maintain safety and security in respect of our premises, IT and other systems.
8.4. We may disclose Personal Information within Australia or to an overseas recipient through cloud hosting services.
8.5. We will comply with the APPs with respect to the use or disclosure of Personal Information by an overseas based recipient by (among other things) requiring that overseas recipient to treat the Personal Information in a manner that complies with the APPs and the Privacy Act.
8.6. We may disclose Personal Information to law enforcement agencies or government authorities in accordance with the APPs. This may include disclosing your Personal Information as required by law or, when we believe that disclosure is necessary to protect our rights or comply with a subpoena, court order or mandatory request from a regulator properly served on us.
8.7. We may disclose your Personal Information if we intend to sell the whole or part of our business and if we do so to the new owner of the sold business.
8.8. We do not and will not sell your Personal Information to a third party without your consent.
9. How do we protect your Personal Information?
9.1. We take reasonable steps to ensure that your Personal Information is secure when held by us.
9.2. To the extent permitted by law, we exclude all liability (including for negligence) for the consequences of any unauthorised access to, disclosure of, misuse or loss or corruption of Personal Information.
9.3. Nothing in this Privacy Statement restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010.
9.4. When Personal Information is no longer needed for any purpose associated with our business functions or activities or there is no legal requirement for us to keep the Personal Information, we will take reasonable steps to destroy or de identify the Personal Information, if it is lawful to do so.
10. How do I seek access to my Personal Information?
10.1. You may request access to your Personal Information held by us.
10.2. To do so, you should write to our Privacy Officer and include photographic verification of identity (certified by a Justice of the Peace or Commissioner for Declarations if we do not know you).
10.3. Our Privacy Officer can be contacted at the addresses in section 13 below.
10.4. We will respond to any written access request within 30 days from the date of request.
10.5. Where practicable and reasonable, we will give you access to your Personal Information in a manner requested by you.
10.6. We may refuse a request for access to Personal Information if we are lawfully entitled to do so.
10.7. If we refuse access to your Personal Information, we will provide reasons for our decision.
10.8. The APPs provide a number of grounds on which we may decline access to your Personal Information. Examples include where our granting you access would unreasonably interfere with the privacy rights of others or if the Personal Information is the subject of legal professional privilege.
10.9. We may charge a fee for giving access to your Personal Information.
10.10. If we charge a fee, we will disclose that fee to you before we process your access request and before any costs are incurred.
10.11. Any access fee will be reasonable and relate to the reasonable costs incurred in responding to your access request.
11. How do I correct Personal Information you hold about me?
11.1. We will take reasonable and practical steps to ensure that the Personal Information that we collect is accurate, up to date and complete.
11.2. We will make changes to your Personal Information if you notify us of any inaccuracy or change.
11.3. We will also update or change your Personal Information, if we become aware that it is no longer accurate or up to date.
11.4. You may correct your Personal Information by writing to our Privacy Officer at the address set out in section 13 below.
11.5. If we decide not to change your Personal Information in response to a correction request by you, then we will:
11.5.1. provide written reasons for that refusal; and
11.5.2. tell you about avenues available for you to complain about our refusal to correct your Personal Information.
11.6. You may also ask us to attach a written note on your Personal Information that you dispute the truth, accuracy or completeness of that Personal Information.
12. Complaints About Handling of Personal Information
12.1. You may complain about our handling of your Personal Information by writing to our Privacy Officer whose contact details are in section 13 below.
12.2. We may need to verify your identity before responding to your complaint.
12.3. We will respond to your complaint within 30 days.
12.4. If your complaint is not resolved to your satisfaction then you may submit your complaint to the Office of the Australian Information Commissioner: oaic.gov.au/privacy/privacy-complaints.
13. Contacting our Privacy Officer
13.1. If you have any privacy related questions, complaints or matters you may direct them to our Privacy Officer using these contacts:
Email: privacyofficer@maranos.com.au
Mail: Privacy Officer, Marano’s Fuel, PO Box 47, Mossman Qld 4873
14. Updates and Changes to the Privacy Statement
14.1. We may update or change this Privacy Statement from time to time.
14.2. Updates to this Privacy Statement will be placed on our webpage.
14.3. If you continue to use our website after an update or change has been made, you acknowledge and agree that you have read, understood and accept the update or change to the Privacy Statement.
This Privacy Statement was last updated on: 22 February 2022.