Your creditworthiness Sample Clauses
Your creditworthiness. We may determine your creditworthiness by doing a credit assessment of you and using any information we are permitted by law to use to do so. We may disclose your personal information to a credit reporting agency before, during or after we sell energy to you: • to obtain a consumer credit report about you if you’ve applied for consumer or commercial credit; and/or • to allow the credit reporting agency to create or maintain a credit information file about you. We can only disclose the following types of information: • your identity particulars (e.g. name and address); • the fact you are entering into an agreement with us; • the fact that we are a current credit provider to you; • any payments overdue for more than 60 days that we have tried to recover from you; • information that payments are no longer overdue; • information that, in our opinion, you’ve committed a serious credit infringement; • dishonoured payments – if a cheque from you for more than $100 has been dishonoured more than twice; and • any other information we are permitted to disclose under the Regulatory Requirements, including consumer credit laws. Where you are applying for: • consumer credit, you agree that we may obtain information about you from a business which provides information about the commercial creditworthiness of persons; and • commercial credit you agree we may obtain a consumer credit report from a credit reporting agency containing information about you, for the purpose of assessing your application. We may also exchange permitted credit information about you with other credit providers, both to assess your creditworthiness and if you default on payment (either with us or with the other credit provider).
Your creditworthiness. Our credit reporting policy sets out how we collect, use and disclose your credit related information. This includes: how we determine your creditworthiness by doing a credit assessment of you and using any information we are permitted by law to use to do so; and when we disclose your personal information to a credit reporting agency or other third party. You can find our credit reporting policy at ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇.
Your creditworthiness. 6.1 Credit assessments and consents
(a) You acknowledge receiving:
(i) our privacy collection statement (available at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/privacy-collection), which sets out how we collect, hold, use and disclose Personal Information about you; and
(ii) our credit reporting collection statement (available at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/credit-reporting-statement), which sets out how we collect, hold, use and disclose Credit-Related Information about you.
(b) You consent to our collection, holding, use and disclosure of Personal Information and Credit- Related Information as described in our privacy collection statement and our credit reporting collection statement.
(c) We may disclose the following types of information about you to a credit reporting body:
(i) your identity particulars (for example, name and address);
(ii) the existence of your Market Agreement with us;
(iii) the fact that we are a current credit provider to you;
(iv) any payments overdue for more than 60 days that we have tried to recover from you;
(v) any payments that are no longer overdue;
(vi) that, in our opinion, you have committed a serious credit infringement;
(vii) default information about you for more than $150, provided that we have satisfied all of the requirements under the Privacy Act; and
(viii) any other information we are permitted to disclose under the Privacy Act or consumer credit laws.
(d) You acknowledge and agree that any information you provide to us and which we disclose to a credit reporting body may be included in the records kept by the credit reporting body about you and disclosed by that credit reporting body to other credit providers that provide credit to you or that you apply for credit from in order to assess your creditworthiness.
(e) You agree we may obtain a consumer credit report from a credit reporting body containing information about you for the purpose of assessing your creditworthiness and that we may disclose your Personal Information to a credit reporting body for the purpose of obtaining such a report.
(f) You agree that, where applicable, we may obtain a credit report about you for the purposes of assessing any application by you for commercial credit and for collecting overdue payments relating to any commercial credit that we provide to you.
(g) You agree that we may use these reports for the purpose of assessing your creditworthiness and for collecting (or engaging any third party to collect) any overdue payments under this Market...
Your creditworthiness. You consent to us conducting a credit assessment of you and to using any information we are permitted by law to use to establish your creditworthiness. We may disclose your personal information to a credit reporting agency for the following purposes: • to obtain a consumer or commercial credit report about you if you have applied for consumer or commercial credit; and/or • to allow the credit reporting agency to create or maintain a credit information file containing information about you. The type of information we may disclose is limited to: • your identity particulars; • the fact you are entering into an agreement with us; • the fact that we are a current credit provider to you; • any payments overdue for more than 60 days that we have taken steps to recover; • information that payments are no longer overdue; • dishonoured payments — if a payment from you for more than $100 has been dishonoured more than twice. This information may be given before, during or after the provision of credit to you. If you are purchasing, or have agreed to purchase, electricity from us you agree we may also exchange permitted credit information about you with other credit providers to assess your creditworthiness and in circumstances of default (either with us or with the other credit provider). Depending on your creditworthiness we may require you to pay us a Security Deposit. In doing so we will conform to any Regulatory Requirements.
Your creditworthiness