Privacy Policy

Important Information

This is the privacy policy of rent4keeps (Aust) pty Ltd ABN 32 006 507 811 (“rent4keeps”) and its related companies. In this policy “we “us” and “our” refers to each of these companies.

We also have a policy on management of credit reporting information which is available on request to enquiries@rent4keeps.com.au.

For your credit application to apply to rent, you will need to supply:

 

Personal and identification information including:
1.  Your name, date of birth and marital status
2.  Drivers license or passport details
3.  Contact details

 

Address information including:
1.  Landlord or mortgage details including address and phone number
2. Previous address details if you have lived in the current residence for less than 2 years

Income information including (home rentals only):
1.  Employers address and contact details if applicable
2.  Referees who can personally vouch for you
3.  Government benefit information or other income details.
4.  Previous employer details if you have been in your current job for less than 2 years

If there is a second applicant, you will also need their information as stated above.

Protecting your privacy
We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (“APPs”) in the Privacy Act (Cth) 1988 (“Privacy Act”), the Privacy Act, and, when applicable, the Credit Reporting Privacy Code (“CR Code”).

Words defined in the Privacy Act, the APPs and the CR Code have the same meaning we used in this policy. Our credit reporting policy includes details of the credit reporting bodies to which we are likely to disclose your credit information. It also includes information about your rights in relation to credit reporting information, including access and correction, and what can happen if we provide information about you to a credit reporting body. You’ll find a link to our privacy policy. All terms and conditions including our credit reporting policy will be provided to you at the time of entering into an agreement with us. You can request our credit reporting policy by writing to us or view it below.

Personal information that we collect and hold
We may collect personal information about you such as:

We collect information about your accounts and transactions with us. We may also collect information when you use our websites. Please refer to the Websites section of this policy for further details.

If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information for the reasons it is being collected.

How we collect personal information

We collect personal information in a variety of ways. Mainly we will collect information from you when you knowingly provide it to us by telephone, in person or in documentation such as an application form (which may be an online application). We also collect information when you make a request or enquiry of us.

We may also collect personal information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider, an insurer of your property, or a person selling your debt to us or engaging us to collect the debt.

Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information about individuals when it is necessary for us to carry on our business functions or to comply with laws.

Importantly, in some circumstances if you do not provide the information that we request, we may not be able to provide our services to you or provide them to the same standard.

We may collect, hold, use and disclose your personal information to answer your enquiry and/or provide the information or service that you requested.

We may also collect, hold, use and disclose your personal information:

  1. the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to collect personal information about you when verifying your identity;
  2. the National Consumer Credit Protection Act 2009 (Cth), which requires us to make inquiries about you when assessing an application for credit by you; and
  3. the Personal Property Securities Act 2009 (Cth), under which we may need to collect personal information about you to record a security interest on the Personal Property Securities Register.

When we may disclose your personal information to third parties

We may disclose your personal information to third parties:

Overseas recipients

We are likely to disclose personal information about you to overseas recipients who provide services for us and who do not have an Australian link. If you consent to us disclosing your personal information to them, we are not required to take reasonable steps to ensure that the overseas recipient does not breach the Australian Privacy Principles. By using our services you agree to us disclosing your personal information to those overseas service providers.

Security

All personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act.

We will take reasonable steps to:

Websites

We have a number of websites, including websites which allow you to apply for credit (all referred to as the “Website” in this policy).

When you visit the Website, we or agencies on our behalf and our internet service provider may monitor and make a record of your visit and log the following “clickstream data” for statistical purposes:

For example, this information may be used to find out how the Website is used and navigated, including the number of hits, the frequency and duration of visits and most popular session times, so that may we may evaluate and improve our website’s performance.

The Website may use cookies to provide a customized online experience. A cookie is a message given to a web browser by a web server. The browser stores the message in a text file called cookie.txt. The message is then sent back to the server each time the browser requests a page from the server. Cookies are placed on your computer for the duration of a session and are used for session management purposes and do not contain any personal details. Periodically they can safely be deleted with no effect on future sessions. If you have configured your browser to reject all cookies, you will be able to view information-only pages on the Website.

When you are on the Website you could be directed to other sites that are beyond our control. These other sites may send their own cookies to users, collect data or solicit personally identifiable information. This privacy policy is strictly limited to the collection, storage and use of personally identifiable information collected from our customers, in the course of our businesses, and does not apply to any third parties. We have no control over the privacy practices or the content of any third-party websites, and assume no liability for the privacy practices of these websites. You should therefore check the individual privacy policy of any third party when accessing other websites that may be linked to the Website.

How to access and amend personal information

On request from you we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request.

We reserve the right to charge a fee for providing access to your information when permitted by law.

To protect your personal information, the request to us must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:
Mail: The Privacy Officer
Email: enquiries@rent4keeps.com.au

Our objective is to respond to any request within a reasonable timeframe.

We also aim to ensure that your personal information is accurate, up to date and complete. Amendment of personal information will be conducted upon written or verbal request from you. You can contact us on Phone: 03 8877 7400 or write to The Privacy Officer to do this.

How will we manage an actual or suspected data breach under this policy

We will manage the process of dealing with an actual or suspected breach in accordance with the Data Breach Procedure and Response Plan.

Notifiable Data Breaches

From February 2018, the Privacy Act includes a new Notifiable Data Breaches (NDB) scheme which requires us to notify you and the Office of the Australian Information Commissioner (OAIC) of certain data breaches and recommend steps you can take to limit the impacts of a breach.

The NDB scheme requires us to notify you about a data breach that is likely to result in serious harm to affected individuals.  There are exceptions where notification is not required.  For example, where we have already taken appropriate remedial action that removes the risk of serious harm to any individuals.

 If we believe there has been a data breach that impacts your personal information and creates a likely risk of serious harm, we will notify you and the OAIC as soon as practicable and keep in close contact with you about the nature of the breach, the steps we are taking and what you can do to reduce the impacts to your privacy.

If you believe that any personal information, we hold about you has been impacted by a data breach, you can Contact us using the contact details below.

Resolving your privacy issues or complaints

If you have a question or complaint about how your personal information is being handled by us, please contact us first by using the contact details provided below. We will acknowledge your complaint as soon as we can after receipt of your complaint. We will let you know if we need any further information from you to resolve your complaint.

We aim to resolve complaints as quickly as possible. We strive to resolve complaints within five (7) business days but some complaints may take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response.

Most of the time we should be able to resolve your complaint without any problems, if you’re still unhappy with our response, you can contact an external body at any time whose details are set out below.  Under the Privacy Act you may complaint to the Office of the Australian Information Commissioner (OAIC) about the way we handle your personal information.  Please note the OAIC requires any complaint must first be made to the respondent organisation.  The law allows 30 days for the respondent organisation to deal with the complaint before a person may make a complaint to the OAIC.  The Commissioner can be contacted at:

Office of Australian Information Commissioner

GPO Box 5218, Sydney NSW 2001 | 1300 363 992 | enquiries@oaic.gov.au

The Australian Financial Complaints Authority can consider certain privacy complaints relating to either the provision of credit or credit reporting information in general.  You can lodge your complaint with:

Australian Financial Complaints Authority (AFCA)

Online:                 www.afca.org.au

Email:                    info@afca.org.au

Phone:                 1800 931 678 (free call)

Mail:                      Australian Financial Complaints Authority

                              GPO Box 3 Melbourne VIC 3001

Credit Reporting Policy

This is the credit reporting policy of related companies of rent4keeps (Aust) ABN 32 006 507 811 that deal with credit reporting information. In this policy “we” “us” and “our” refers to each of these companies.

Words defined in the Privacy Act (Cth) 1988 (“Privacy Act”), the Australian Privacy Principles (“APPs”) and the Credit Reporting Privacy Code (“CR Code”) have the same meaning when used in this policy.

Credit information that we collect

The kinds of credit information that we collect about an individual includes information (other than sensitive information) that may be provided to us from a credit reporting body, including:

Credit eligibility information

If we obtain credit reporting information on an individual from a credit reporting body, or we derive information from it that has any bearing on the individual’s credit worthiness and could be used in establishing the individual’s eligibility for consumer credit, we refer to this information as “credit eligibility information” in this policy.

The types of credit eligibility information that we hold includes the credit information listed above. It may also include information such as credit scores and assessments which we generate from this information.

How we collect and hold credit information and credit eligibility information

We collect credit information from customers either by telephone, in person or in documentation such as an application form (which may be an online application). We may also collect credit information when you make a request or enquiry of us.

We also collect credit information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider, an insurer of your property, or a person selling your debt to us or engaging us to collect the debt.

We will hold credit information and credit eligibility information in secure electronic and physical files.

Why we collect hold, use and disclose credit information and credit eligibility information

We may collect, use, hold and disclose credit information and credit eligibility information when permitted by law:

Disclosing credit information to a credit reporting body

We may disclose credit information about you to a credit reporting body (“CRB”). The CRBs that we use to disclose your credit information to include but not limited to are as follows:

Equifax Australia Information Services and Solutions Pty Limited

Mail:                      GPO Box 964, North Sydney NSW 2059

Phone:                 138332

Online:                 www.equifax.com.au/contact

 

Illion

Mail:                      Level 7, 479 St Kilda Road, Melbourne VIC 3000

Phone:                 1300 734 806

Online:                 www.illion.com.au/contact

 

Experian Australia Credit Services Pty Ltd

Mail:                      GPO Box 1969, North Sydney NSW 2060

Phone:                 1300 783 684

Online:                 www.experian.com.au/contact-us

 

If we disclose your credit information to a CRB:

Each CRB has a policy about the management of credit-related personal information. You can get a copy of the policy by contacting the CRB using its contact details above.

Your rights under the Privacy Act in relation to credit-related information

Your rights under the Privacy Act in relation to credit-related information include the following:

Overseas recipients

We are likely to disclose credit information or credit eligibility information about you to overseas recipients who provide services to us and who do not have an Australian link. Those recipients are likely to be located in the Philippines.

How to access credit eligibility information

On request from you we will provide details of the credit eligibility information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request.

We reserve the right to charge a fee for providing access to your information when permitted by law.

To protect your personal information, the request to us must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:

Mail: The Privacy Officer, 35a Railway Road, Blackburn VIC 3130

Fax: (03) 8877 7411

Email: compliance@rent4keeps.com.au 

 Our objective is to respond to any request within a reasonable timeframe.

How to seek correction of credit information or credit eligibility information

We aim to ensure that credit information and credit eligibility information about you is accurate, up to date and complete. Amendment of information will be conducted upon written or verbal request from you. You can contact us on 03 8877 7400 or write to The Privacy Officer to do this.

Complaints

Under the Privacy Act you have the right to make a complaint to us about an act or practice engaged in by us as a credit provider that may be a breach of Part IIIA of the Privacy Act (which deals with credit reporting) or the CR Code (a “Credit Privacy Complaint”).

If you make a Credit Privacy Complaint, you must specify the nature of the complaint. It may relate to personal information that has been destroyed or de-identified. We will not charge you for making or dealing with the complaint. Within 7 days we will give you a written notice that acknowledges the making of the complaint and sets out how we will deal with the complaint, and we will then investigate the complaint. If we think it is necessary, we may consult with a CRB or another credit provider. After investigating the complaint, we will within 30 days (or any longer period agreed by you in writing) give you a written notice setting out our decision.

If you are not satisfied with our decision, you may access our external dispute resolution scheme, the Australian Financial Complaints Authority (“AFCA”). Rent4keeps (Aust) Pty Ltd and its associated companies are members of AFCA. The contact details for AFCA are:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
Phone 1800 931 678 (free call)
Email: 
info@afca.org.au
Website: 
www.afca.org.au

Alternatively, you may make a complaint to the Information Commissioner.

The Commissioner can be contacted at:

Office of Australian Information Commissioner

GPO Box 5218, Sydney NSW 2001 | 1300 363 992 | enquiries@oaic.gov.au

Changes to this policy

This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.

Copies of this policy

You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.

Contact details

Contact for all matters related to privacy, including:

Should be directed as follows:

Privacy Coordinator – R4K Compliance

E: compliance@rent4keeps.com.au

T: 03 8877 7400

P: 35A Railway Ave, Blackburn VIC 3130

Contact credit reporting bodies if you think you have been the victim of a fraud

If you believe that you have been or are likely to be the victim of fraud (including identity fraud), you can request a credit reporting body not to use or disclose the information they hold about you. If you do this, the credit reporting body mustn’t use or disclose the information during an initial 21-day period without your consent (unless the use or disclosure is required by law). This is known as a ban period.

If, after the initial 21-day ban period, the credit reporting body believes on reasonable grounds that you continue to be or are likely to be the victim of fraud, the credit reporting body must extend the ban period as they think reasonable in the circumstances. The credit reporting body must give you a written notice of the extension.

Contact credit reporting bodies if you don’t want your information used by them for direct marketing/pre-screening purposes

Credit reporting bodies can use the personal information about you that they collect for a pre-screening assessment at the request of a credit provider unless you ask them not to. A pre-screening assessment is an assessment of individuals to see if they satisfy particular eligibility requirements of a credit provider to receive direct marketing. You have the right to contact a credit reporting body to say that you don’t want your information used in pre-screening assessments. If you do this, the credit reporting body must not use your information for that purpose.

This version of the policy applies from 1 July 2022.

Terms of Use

Promotional Offers

From time to time, rent4keeps may have special offers and sales. These offers are not cumulative and one offer only applies at any one time, meaning no customer or potential customer can take more than one offer at a time and each offer relates to taking out an (1) approved rental agreement with rent4keeps. An approved rental agreement is based on normal credit assessment criteria. The offer that has been communicated to and with which the customer or potential customer responds is the only offer that applies. Not all products are available in all areas. Images or depictions are representative only.  

1. Pricing

Products shown are examples only and are subject to availability and price change. Full terms and conditions available on application. Weekly prices quoted are for 36 month agreements without extended warranty unless otherwise stated. Agreements can be for terms of 12, 24 or 36 months.

Sheds may require a Council Permit and/or Engineers Certificate in some locations, these are the responsibility of the renter.

2. Your Conduct

You agree that you will not use the Website for any purpose that is unlawful and will comply with all relevant laws and regulations. In particular you agree you will not:

(a) use the Website to send junk email, spam or chain letters or engage in unlawful marketing such as pyramid schemes;

(b) collect information of third parties by automated means (such as robots, spiders or scrapers) without permission;

(c) transmit or upload any material that contains viruses or any other harmful code;

(d) breach any laws or any copyright, patent, trade secret or other intellectual property, proprietary or privacy rights of any other party, or post any content that is copyright protected without the copyright owner’s written permission to use it;

(e) interfere with, impair or disrupt the Website, or attempt to gain unauthorized access to any accounts, systems, services or information;

(f) bully, stalk, abuse, intimidate, harass, cause distress or inconvenience to any other person;

(g) restrict or inhibit any other user from using or enjoying the Website;

(h) post or supply for publication via the Website any false, inaccurate, misleading, defamatory, discriminatory, racist, threatening, violent, obscene, offensive, obscene, graphic, pornographic, indecent, fraudulent or unlawful material; or

(i) misrepresent your identity or affiliation with any person or organization.

rent4keeps reserves the right to take action as it deems appropriate in cases where the Website is used in breach of these Terms.

To the fullest extent permitted by you, you indemnify rent4keeps including its related companies, affiliates, licensors and licensees, and its respective directors, officers, managements, employees, agents and contractors from and against all loss damage (including legal fees on a full indemnity basis), claims, demands, suits, liabilities, proceedings or actions that may arise or are incurred or suffered by you in connection with your use or access of the Website or any breach of these Terms.

3. Intellectual Property

All material and content on or via the Website including but not limited to any and all brands, logos, images, taglines, registered or unregistered trademarks, service marks, designs and products are rent4keeps’ property or its licensors’ property, and subject to copyright, trademark and other intellectual property protection.

Unless otherwise indicated, all rights (including copyright) in all content, other material and compilations contained in, or used to create or support, the Website, including text, graphics, logos, button icons, photos, video images, audio clips, and navigational and other software are owned and controlled and are reserved by rent4keeps or its licensors.

You can copy material for your own personal use but you must not republish, copy, reproduce, transmit, distribute, sell, modify, adapt or use any part of the Website or any content on or via the Website in any other way, without rent4keeps’ permission or as otherwise expressly permitted by the Website.

4. Termination and Changes

rent4keeps may modify, suspend or discontinue the services available on the Website, or remove, modify, edit or supplement any content on the Website, at any time without notice in our absolute discretion.

We may terminate or suspend a user’s access to any part or all of the Website at any time, for any reason in our discretion including breach of these Terms, with or without notice.

The liability and indemnity provisions provided in these Terms will survive termination and all rights granted to us herein are otherwise reserved.

Images are indicative and representational only and rent4keeps reserves the right to replace, change, alter or discontinue any item

5. Liability

You are responsible for your use of the Website. The Website is provided on an ‘as is’ basis and is used at your own risk. While rent4keeps has used its best endeavors to ensure that the information we have provided through the Website is correct and current at the time of publication, we do not accept responsibility for any error, omission or defect in the information.

To the fullest extent permissible by law, we do not, nor do our affiliated companies and respective directors, employees, agents and contractors:

(a) make any representation, warranty or endorsement of any kind, express or implied, as to the operation the Website, your access to the Website or results of your access, or the information, content, materials or products on the Website; or

(b) warrant that the functions on the Website will be uninterrupted or error-free, that any defects will be corrected or that the server which stores and transmits content to you is free of viruses or other harmful components.

Nothing in these Terms limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). The limitations outlined in these terms will not operate to the extent that they are inconsistent with the Non-Excludable Guarantees.

Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, to the fullest extent permitted by law, rent4keeps, its officers, management, employees, agents and contractors, exclude all terms, conditions, warranties, guarantees and representations, whether express or implied, and exclude all liability in contract, tort (including negligence), or otherwise for loss or damage (whether direct or indirect) in relation to the use, inability to use, or performance of the Website, any information, content, material, products or services made available via the Website, including without limitation any error, omission, technical malfunction, delay, interruption, interference, tampering, virus, bug, theft, destruction or unauthorized access to or alteration of the Website, or any damage to any computer or device.

6. Indemnity

You agree to indemnify and keep rent4keeps, its affiliated companies and officers, employees, agents and contractors indemnified (“those indemnified”), in respect of any claim, liability, loss, damage, cost (including legal cost) or expense which those indemnified may suffer or incur as a direct or indirect result of your willful or negligent act or omission with respect to the your use of the Website (or any part of it) or the violation of these Terms by you, or the infringement by you, of any intellectual property or other right of any person or entity.

7. Governing law and jurisdiction

These Terms are governed by and to be construed in accordance with the laws of the State of Victoria, Australia. You irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the Courts of Victoria, Australia. rent4keeps’ failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. In the event that any provision of these Terms is held to be invalid or unenforceable, then that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

8. Links

The Website may provide links or references to other sites or services originating from other companies, individuals or organizations. Rent4keeps do not make any warranties or representations about these websites or services or endorse these websites or services and have no responsibility for the content or operation of any such websites or services and shall not be liable for any damage or injury relating to access to or use of such websites or services. Your linking to any off-site pages is at your own risk.

9. Contact us

If you have any questions, comments, feedback, or want to report any breaches of these Terms, we would love to hear from you. Please complete the form available at the ‘Contact Us’ section of the Website, or contact our Privacy Officer as follows:

Phone: 03 8877 7400

Email: enquiries@rent4keeps.com.au

Postal Details: The Privacy Officer, rent4keeps (Aust) Pty Ltd, 35A Railway Rd Blackburn Victoria 3130

We take such matters very seriously and we shall respond to any such concerns with you directly in a prompt fashion.

 

 

rent4keeps (Aust) Pty Ltd ACN 006 507 811 Australian Credit Licence Number 403565 © Rent4Keeps. All Rights Reserved 2024