Thank you for applying for a credit account with Coles Online.This application should take about 20minutes to complete if you have all the information we ask for.Before you start 1. Sign up for a Coles for Business account, which we’ll link to your credit account.
2. Gather the following:a. Details about the businessb. Details of the business director, owner or principalc. Details of the business’s accounts payable contactd. A utility bill matching the business details3. Get access to a printer or scanner, or a way to electronically sign documents.4. Make sure the business director or owner is available to sign the director’s guarantee, if necessary.
If you require any assistance with your application, please contact our accounts department on 1800 159 159
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
Overview
At Coles, we respect the privacy of your personal information in our care. Personal information means information which identifies you as an individual or from which your identity can be reasonably ascertained.
This Privacy Policy relates to personal information we collect and handle about you as our customers, visitors to our website, apps, social media and other digital services and members of the public. Our personnel and job applicants can contact our human resources team for details about the privacy of their personal information.
We are part of the Wesfarmers group. Wesfarmers has its own privacy policy which is available at www.wesfarmers.com.au.
Types of personal information collected
The types of personal information we collect includes name, contact details, identification information, household details, payment and transaction details/history (including information about payment cards linked to flybuys and associated transactions), details regarding participation in flybuys and our other clubs and programs operated from time to time, records of your communications and interactions with us, and details/history of preferences, interests and behaviour relating to transactions, products, services and activity with our digital services.
We may not be able to provide our products or services, or make offers to you without your personal information. For example, we may not be able to ensure you are awarded flybuys points, contact you or deliver your orders.
Where you provide us with personal information about someone else you must have their consent to provide their personal information to us based on this Privacy Policy.
How personal information is collected and held
We may collect your personal information in relation to your interactions and transactions with us and Wesfarmers group companies. This includes: using your flybuys card or number or associated identifiers such as payment cards; making a purchase in store; placing an order online; making a non-cash payment; participating in a promotion, competition, or survey; registering for services; using related digital services. We may monitor and record your communications with us (including email and telephone) for security, dispute resolution, and training purposes, and we also operate video and audio surveillance devices in our premises. We may also collect personal information from third parties including public sources, information service providers, providers who administer Coles-branded products and services such as payment cards and insurance, anyone authorised to act on your behalf, and other Wesfarmers group companies including flybuys.
We hold personal information electronically and in hard copy form, both at our own premises and with the assistance of our service providers. We implement a range of measures to protect the security of that personal information. We also take measures in respect of destroying or de-identifying personal information that is no longer needed for any lawful purpose.
Purposes for handling personal information
We handle your personal information in connection with providing, administering, improving and personalising our products and services. This can include processing payments, delivering orders, managing promotions, providing refunds and discounts, verifying your identity, communicating with you (including direct marketing), conducting product and market research, maintaining and updating our records, dealing with enquiries from you, and working with our service providers and other Wesfarmers group companies. Using personal information, we endeavour to improve our understanding of your interests, suitability and behaviour in relation to products, services and offers, including conducting risk assessments for financial products (including credit and insurance).
We may also handle your personal information to protect our lawful interests and facilitate purchases and potential purchases of our businesses. These communications may relate to the products and services we, and other Wesfarmers group companies provide, and other products which may be of interest to you. You can call us on 1800 061 562 at any time to opt out of electronic and telephone direct marketing communications.
Sharing of personal information
To make it easy for you to deal with other Wesfarmers group companies (including flybuys) and provide you with a more personal and consistent experience, we may exchange and combine personal information with them for the purposes described in our respective privacy policies.
We and Wesfarmers group companies may exchange your personal information with service providers engaged to assist with services including data processing, data analysis, information broking, credit reporting, online computing, printing, contact management, legal, accounting, business consulting, marketing, research, auditing, archival, delivery, security, investigation and mailing services, and in the provision of Coles-branded products and services such as payment cards and insurance.
The third parties to whom we disclose personal information may be located in Australia and other countries including Argentina, China, Canada, Hungary, India, Israel, Ireland, Italy, Japan, Hong Kong, Mexico, Netherlands, New Zealand, Pakistan, Philippines, Poland, Singapore, Spain, South Africa, South Korea, UAE, United Kingdom and United States of America. We take steps to ensure that our service providers are obliged to protect the privacy and security of your personal information and use it only for the purpose for which it is disclosed.
Digital services
We provide information and services through a range of digital and online services including websites (e.g. coles.com.au) apps, email, online advertisements, IPTV and social media profiles. These services may be operated by us, other Wesfarmers group companies and flybuys program participants (collectively, Coles/flybuys Digital Services) to provide a consistent experience, personalise your use of each of those services and provide targeted marketing.
Coles/flybuys Digital Services may use “cookies”. A cookie is a piece of information that allows the server to identify and interact more effectively with your device. The cookie assists us in maintaining the continuity of your browsing session (e.g. to maintain a shopping cart) and remembering your details and preferences when you return. Other technologies that may be used with Coles/flybuys Digital Services include web beacons (which may operate in conjunction with cookies), Flash local stored objects and JavaScript. Some of these cookies and other technologies are consistent across various Coles/flybuys Digital Services, allowing us and the other providers of these services to understand you better and provide a more consistent experience across these services. You can configure your web browser to reject and delete cookies and block JavaScript but you may find some parts of Coles/flybuys Digital Services then have limited functionality. You can control your preferences regarding Flash local stored objects at http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.
Our systems record a variety of information in relation to interactions with our online services. This can include information about software versions used, device identifiers (like IP address), location data (where available and not disabled by the user), dates, times, file metadata, referring website, data entered and user activity such as links clicked.
In some cases third parties may use cookies and other technologies such as those described above as part of Coles/flybuys Digital Services. These technologies may be used in connection with activities like surveys, online behavioural advertising, website analytics and email campaign management. The services we may use from time to time include Google Analytics, Google Display Network, Google AdSense, DoubleClick, Yahoo, Adobe, Campaign Manager and Microsoft. You can find more details in the privacy policies for those services (e.g. Google’s Ads Preferences Manager), including information on how to opt-out of certain conduct. Bear in mind, you may need to opt-out separately from each service. The website youronlinechoices.com.au also allows you to opt-out of some online behavioural advertising and provides further information about how online behavioural advertising works. You can contact us to request further details of the services we use. Many of these services operate without collecting or using any personal information.
Some information we collect in relation to Coles/flybuys Digital Services is not related to an individual. In many cases the information only relates to a device or is of an aggregated or statistical nature, and we will have no way of knowing the identity of the user. In other cases we may associate information about your use of Coles/flybuys Digital Services over time with your personal information, e.g. where on any occasion you have logged in, followed a link sent to you by email or we have otherwise been able to identify you.
We are constantly developing and enhancing our use of online technologies, and make reasonable efforts to ensure we keep this Privacy Policy and related documents up to date in this regard. Please check back when you return to use our online services to ensure you are familiar with our current practices.
Our online services may contain links to other sites. We are not responsible for the privacy practices or policies of those sites and recommend that you review their privacy policies.
Procedures for access, correction and feedback
If you wish to access or correct any personal information we hold about you or have any feedback or concerns about privacy, please contact us as set out below. Where you seek a response from us, we will let you know who will be handling your matter and when you can expect a full response.
In the case of access and correction requests, please provide as much detail as you can about the particular information you seek, in order to help us retrieve it. Under the Privacy Act and other relevant laws, we are required to provide our reasons if we refuse your request. Where we decide not to make a requested correction and you disagree, you may ask us to make a note of your requested correction with the information.
Additional privacy information
In addition to this Privacy Policy, many Coles and Wesfarmers companies and brands have their own privacy statements and other terms which provide further information about your privacy, e.g. flybuys, Coles Insurance and Coles MasterCard. Please see the relevant material relating to those products and services for details, including where those Coles-branded products and services are provided by or with third parties who may collect your personal information.
For information about privacy generally, or if your concerns are not resolved to your satisfaction, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au and on 1300 363 992.
Contact
Queries regarding privacy should be directed to the Coles Customer Care:
Phone: 1800 061 562
Email: privacy@coles.com.au
Post: 800 Toorak Road
Hawthorn East
VIC 3123
Last updated: March 2014
Coles Supermarkets Australia Pty Ltd
ABN 45 004 189 708
Terms & Conditions of Coles Online Customer Credit Accounts
Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 trading as Coles Online (Coles Online) agrees to permit the Account Holder (you) to purchase goods on credit (Credit Facility) subject of the following Terms and Conditions.
If you or any person authorised by you (Authorised Operator) use the Credit Facility this means you agree to be bound by these Terms and Conditions. If you or any Authorised Operator use the Credit Facility after these Terms and Conditions are varied this means you agree to be bound by the varied Terms and Conditions.
CONDITIONS
To use the Credit Facility to purchase goods;
(a) you must have an ABN;
(b) the Credit Facility must be used for transactions amounting to not less than $1,000 per month; and
Failure to comply with these conditions may lead to cancellation or suspension of the Credit Facility, in the discretion of Coles Online where it is in our legitimate interests to do and when acting reasonably.
The Coles Customer Agreement, a copy of which is located at https://shop.coles.com.au/a/a-national/content/customer-agreement#THEAGREEMENT , is incorporated into these Terms and Conditions and shall apply in respect of all sales made to you.
USE OF THE CREDIT FACILITY
The Credit Facility must only be used by you to purchase reasonable quantities of goods for use by your business and Coles may in its absolute discretion acting reasonably, limit the quantity of individual goods that may be purchased in a single transaction or multiple transactions on this Credit Facility.
If after being notified by Coles Online that you are purchasing unreasonable quantities of goods and you continue to purchase unreasonable quantities of goods, Coles Online may terminate the Credit Facility.
CREDIT LIMIT
Coles Online will notify you of your credit limit before a debt is first incurred.
Coles Online periodically reviews its credit limits. By using the Credit Facility you permit Coles Online to review and revise your credit limit from time to time by agreement with you.
Coles Online may increase your credit limit at your specific request. Coles Online may also temporarily increase your credit limit to facilitate purchases upon notifying you of an increase and for a period of no longer than 14 days or 20% of Your credit limit, whichever occurs first. Coles Online may reduce your credit limit at your specific request. Coles Online may also reduce your credit limit without approval where it acts reasonably but Coles Online will not reduce your limit below the outstanding balance of the Credit Facility.
PAYMENT
Payment of statement balances and/or invoices are to be made by direct deposit to Coles Online’s bank account the details of which will be advised when your account is approved.
PAYMENT TERMS
Unless otherwise agreed, Coles Online will email you a monthly statement on the 1st business day of every month.
If you have negotiated a payment term other than monthly, statements will be provided more frequently as agreed between you and Coles Online.
You agree to make payment via the method specified above. You agree to deposit the funds with sufficient time for the payment to reach the Coles Online bank account by the payment date specified on the statement.
APPLICATION OF PAYMENTS
Coles Online will ordinarily apply payments against the oldest outstanding amount due.
DEFAULT
If you or an Authorised Operator:
(a) obtain any credit by fraud or dishonesty;
(b) fail to pay any amount owed to Coles Online by the due date and following us providing you with 3 days notice of the default;
(c) breach any of these Terms and Conditions;
(d) use the Credit Facility in circumstances where Coles Online reasonably believes that the continued use of the Credit Facility may cause loss or damage to you or to Coles Online,
or if:
(e) any person who has guaranteed your obligations under the Credit Facility withdraws that guarantee,
then Coles Online may close or suspend the Credit Facility for material breaches. If the Credit Facility is closed or suspended, Coles Online may require you to immediately pay all outstanding amounts. Suspension or cancellation does not affect any of your obligations or those of any Authorised Operator, in respect of the Credit Facility.
USE OF INFORMATION
You acknowledge that Coles Online may use the information in the Credit Facility application:
(a) to send you information and promotional material. If you do not wish to receive direct marketing offers from Coles Online, call the Coles Online Customer Care Centre on 1800 455 400; and
(b) to verify your creditworthiness with third party agencies.
JURISDICTION
The law of the State of Victoria is the governing law of these Terms and Conditions and you agree to submit to the exclusive jurisdiction of the courts of Victoria.
CONSENT
You acknowledge that these Terms and Conditions on which the Credit Facility is issued may be changed at anytime where it is in its legitimate interests to do so and where it acts reasonably by Coles Online or any of its related businesses by way of public advertisement or circular forwarded to you (including by email), and you will be bound by such Terms and Conditions unless you advise Coles Online that you do not accept them within 14 days of such notice being issued.