Thank you for applying for a credit account with Oak Construction Services 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 1300 962 440
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
PRIVACY STATEMENT, PRIVACY POLICY, CREDIT REPORTING POLICY AND STATEMENT OF NOTIFIABLE MATTERS
This Privacy Statement, Privacy Policy, Credit Reporting Policy and Statement of Notifiable Matters is applicable in Australia and sets out the privacy information policy of OAK Constructions Services Pty Ltd (ACN 622 458 511) and its related, associated, subsidiary and parent companies, divisions, successors and assigns that conduct business in Australia (all of which are referred to in this document as “We, Us or Our”). PRIVACY STATEMENT
Privacy Laws We are committed to complying with the Privacy Act 1998 (Cth) (“the Act”), the Australian Privacy Principles (“the APPs”) and the Credit Reporting Code as amended from time to time. In this document, these statutes and codes are collectively referred to as “the Privacy Laws”. Our Privacy Statement – We Respect Your Privacy We are committed to your privacy. Our policy on handling Personal Information (any information that identifies you or could reasonably identify you) and Credit Information (your repayment and default history, amount and type of credit provided and any default information) is to comply with the Privacy Laws as amended from time to time for the fair handling of Personal Information. Our Privacy Policy is outlined in this document and you can obtain a copy of it on Our website at www.oakcs.com.au. We may collect types of Personal Information from you during Our relationship and We will advise you of this (and other matters about the collection of Personal Information) before, at or as soon as possible after the time of collection. We use the Personal Information collected for several purposes, including:
1) Providing you with Our products and services and/or information about Our products and services;
2) Assessing applications for commercial credit and guarantee documents;
3) Assessing applications for employment (where applicable);
4) Administering Our business activities;
5) Communicating with you by telephone, email, SMS or mail;
6) Managing, researching and developing Our products and services;
7) Managing, servicing and reviewing accounts, including overdue accounts;
8) Managing client payment information, including credit card information and bank account details;
9) Distributing articles or publications to you;
10) Investigating any complaints; and
11) Insurance and debt collection purposes. This information may be disclosed to Our related or associated entities, overseas recipients in locations such as Pakistan, parties related to your employment (e.g. referees and others as set out in Our Privacy Policy), parties related to your services including contractors, other credit providers whether or not your account is overdue, credit reporting bodies including Creditor Watch Pty Ltd (“CreditorWatch”) and others, and, if necessary, Our professional advisors including risk insurers, solicitors and financial institutions. You have a right not to provide information that can identify you. However, if all or part of the Personal Information that We request from you is not provided, then We may not be able to do certain things (including supply you with goods, consider any application for goods made by you, or process your request for a commercial credit account). In accordance with the Privacy Laws and Our Privacy Policy, you will be given access to your Personal Information on request. If you have any questions or concerns about Our Privacy Policy, the types of Personal Information We may hold about you, or for corrections or complaints about a breach of your privacy, please direct your requests to Our Privacy Officer at P.O. Box 33 Oakleigh VIC 3166 or telephone (03) 9569-5000 or e-mail privacy@oakcs.com.au.
PRIVACY POLICY Our Privacy Policy - Collection of your Personal Information We are committed to the protection of your Personal Information. Personal information is any information or an opinion about an identified individual or an individual who is reasonably identifiable. We may collect types of Personal Information from you throughout Our relationship and We will advise you of this (and other matters about the collection of Personal Information) before, at or as soon as possible after the time of collection. Generally, the kinds of information We will collect about an individual may include an individual’s name, signature, residential address, telephone number, date of birth, gender, details of your financial circumstances (including bank account details or credit card information), government identifiers such as tax file numbers, employment details and employment history, insurance policy information, and commentary or opinion about a person, for example credit commentary, eligibility or information received from Creditor Watch. The specific types of Personal Information that We collect from you and how We collect that information will depend on the services you require from Us and how you interact with Us. We usually collect Personal Information directly from the individual concerned. Where this is not practical, We will take reasonable steps to ensure that the individual is informed about the collection unless the individual has previously consented to the collection (either expressly or impliedly). In some cases, We may collect information from a third party, such as an insurance company, recruitment agency, wholesale and retail suppliers or via social media.
When you request goods from Us We will ask you many details about you and your business. That information assists Us in making decisions about Our intended relationship with you and the terms of that relationship. You have a right not to provide information that can identify you. However, if all or part of the Personal Information that We request from you is not provided, We may not be able to do certain things (including supply you with goods, consider any application for goods made by you, or process your request for a commercial credit account).
At the time of collecting Personal Information about an individual, or as soon as practicable after that time, We take reasonable steps to ensure the individual is aware of:
(a) The identity and contact details of Us and Our Privacy Officer;
(b) The purposes for which the information is being collected;
(c) Any organisations to which We may disclose the information to;
(d) The fact that an individual has a right to gain access to the personal information collected; and
(e) The main consequences (if any) for the individual if all or part of the information is not provided. We will not collect any sensitive Personal Information from you revealing racial or ethnic origin, political opinions or political association memberships, religious or philosophical beliefs, professional or trade union membership, or details of health, disability information, genetic or biometric information, or sexual activity or orientation.
Exceptions to this include:
(a) Where you have given express consent to Us to do so and where is it necessary for Us to carry out one of Our primary functions;
(b) Where there are reasonable grounds to believe that disclosure is necessary to prevent a threat to life or health;
(c) The use is authorised by law or reasonably necessary to enforce the law; or when the information is necessary for the establishment, exercise or defence of a legal claim.
If We receive Personal Information which We did not solicit, We will determine as quickly as possible whether or not that Personal Information could have been lawfully collected by Us in accordance with the Privacy Laws and Our Privacy Policy. If so, We will only use the unsolicited Personal Information as if that information had been solicited by Us (that is, lawfully and fairly in accordance with the Privacy Laws and Our Privacy Policy). If not, We will take reasonable steps to de-identify or destroy the information.
When you use Our website at www.oakcs.com.au, Our Internet Service Provider (ISP) may make a record of your visit and log your server address, your domain name, the date, time and duration of your visit, the pages and documents you accessed, the previous site you had accessed (i.e. the referring URL) and the type of browser you are using. This information is collected for statistical purposes only, and We will not make any attempt to identify users according to their browsing activity.
In the unlikely event of an investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect Our business records or ISP’s logs. It is also possible that your ISP is logging your activity while you visit Our site. This is beyond Our control. While you are visiting Our site, We may use cookies to facilitate a more personalised web browsing experience. Except where you volunteer personal or business information, We will not procure information about you via any alternative means while you visit Our website. In some circumstances, We will provide you with an option of not identifying yourself, or of using a pseudonym, when dealing with Us (unless We are required or authorised by Australian law or a Court/Tribunal order to deal with individuals who have identified themselves, or where it is impracticable to do so).
Our Privacy Policy - How We use and disclose personal information The Personal Information that you provide to Us is used for a number of primary purposes. These purposes include:
(a) Providing you with Our products and services and/or information about Our products and services;
(b) Assessing applications for commercial credit and guarantee documents;
(c) Assessing applications for employment (where applicable);
(d) Administering Our business activities;
(e) Communicating with you by telephone, email, SMS or mail;
(f) Managing, researching and developing Our products and services;
(g) Managing, servicing and reviewing accounts, including overdue accounts;
(h) Managing client payment information, including credit card information and bank account details;
(i) Distributing articles or publications to you;
(j) Providing you with better service for the supply of Our products and services;
(k) Investigating any complaints; and (l) Insurance and debt collection purposes. We will not sell, rent or trade your Personal Information.
Any Personal Information which you do supply will only be used internally by Us and will not be divulged to a third party unless that third party is associated or integral to the purpose for which you gave Us the information or where required by law. We will only use and disclose Personal Information about you for the purpose for which you gave Us that information.
We may use and disclose Personal Information about you for a purpose other than the purpose for which you gave Us the information where:
(a) That other purpose is related to the purpose for which you gave Us the Personal Information;
(b) You have given Us your consent for the Personal Information to be used or disclosed for the additional purpose;
(c) Where there are reasonable grounds to believe that use or disclosure is necessary to prevent a threat to life or health;
(d) Where We suspect that unlawful activity is or has been engaged in and We use or disclose the Personal Information to investigate the suspected unlawful activity; or
(e) The use or disclosure is authorised by law or reasonably necessary to enforce the law.
During the ordinary course of business, We may disclose your Personal Information as required by law or to third parties related to your services, including: (a) government departments such as courts, tribunals and regulatory authorities as permitted by law;
(b) Our contractors;
(c) parties related to your employment, such as superannuation funds, leave entitlement organisations, industry specific organisations, referees or worker’s compensation insurers. Examples include Incolink, CoInvest, Long Service Corporation and Australian Construction Industry Redundancy Trust (ACIRT);
(d) other credit providers (whether or not your account is overdue);
(e) credit reporting bodies including Creditor Watch Pty Ltd (“CreditorWatch”) and others; and
(f) if necessary, Our professional advisors including risk insurers, solicitors and financial institutions; and
(g) anyone else to whom you consent. We may also disclose your personal information to organisations involved in a transfer or sale of all or part of Our business or its assets or one involved in managing Our corporate risk and funding requirements. We have well-documented, detailed procedures in managing personal data relating to the administration of customer accounts which are compliant with the APPs. Compliance to these procedures is monitored by Us on an ongoing basis.
Our Privacy Policy – Overseas Disclosure In the normal course of business, We may disclose Personal Information to overseas recipients in Pakistan such as third party suppliers or Our related, associated, subsidiary and parent companies. This disclosure may occur if Our service providers are located overseas, if any transactions, information, products or services have an overseas connection, where the individual consents, where the disclosure is for the benefit of the individual, or is for the performance of a contract with Us.
We will take reasonable steps to protect an individual’s privacy if this disclosure occurs. You agree and consent to the possible use and disclosure of this information to overseas recipients from time to time in accordance with this Privacy Policy and Privacy Statement. Our Privacy Policy - Direct Marketing We may also use your Personal Information, including e-mail addresses, for the purpose of direct marketing. We may only use your Personal Information or data for the purpose of direct marketing in relation to promotional activities where it is impracticable for Us to obtain your prior express consent. However, when We do this, We will provide an express opportunity when We first contact you to decline receiving any further marketing communications from Us, via an opt- out mechanism.
Please contact Us if you do not want to receive any direct marketing information or if you do not want your information disclosed for direct marketing purposes.
Our Privacy Policy - Security of your personal information We will take all reasonable steps to ensure that all Personal Information We collect, use or disclose is stored both physically and electronically in a secure environment accessed only by authorised persons. We will take reasonable steps to protect any Personal Information that it holds from misuse, loss, unauthorised access, modification or disclosure, and to destroy or permanently de-identify Personal Information if it is no longer needed for any purpose. We require any third party, service provider, or other entity to which We disclose Personal Information to comply with this Privacy Statement and Privacy Policy and to comply with the APPs. We maintain sophisticated IT systems to keep its customer, vendor and employee data on master files. We have security measures designed to protect against the loss, misuse and/or alteration of the information under its control, including restricted access, firewalls and encryption. While We employ anti-virus software and encryption technology when interfacing with its customers, suppliers, contractors and other parties, you should be aware that there is a residual risk in transmitting any data electronically. This risk is inherent in any internet dealings. Our Privacy Policy - How to access, correct or update your information We will take all reasonable steps to ensure that all Personal Information We collect, use or disclose is accurate, complete and up-to-date. We will review Personal Information on its databases at regular intervals to ensure all information kept is up to date.
You have a right to seek access to your Personal Information and to correct that information. Please contact Us if your details change or if you believe the Personal Information We have about you is not accurate or complete. We will provide you with reasonable opportunity to access your Personal Information and have it corrected or updated. A fee may apply to access and you will be required to provide the appropriate identification. Exceptions to your access rights may include:
(a) Where providing access will pose a serious threat to the life or health or any individual or pose an unreasonable impact on the privacy of an individual; (b) Your request for access is frivolous or vexatious;
(c) Where the information relates to existing legal proceedings between Us and you and the information would not be discoverable in the process of those legal proceedings; or
(d) Where providing access would be unlawful, may prejudice an investigation of possible unlawful activity, may prejudice enforcement of laws, or denying access is specifically authorised by law.
Where We refuse a request for correction or access, you will be provided with written reasons for the refusal and details of complaint mechanisms. Our Privacy Policy - Complaints We take your complaints seriously. If you believe that We have not dealt with your Personal Information in a manner that complies with the Privacy Laws as amended from time to time, please contact Us at PO Box 33 Oakleigh VIC 3166 or e-mail privacy@oakcs.com.au or via any of Our contact details listed at www.oakcs.com.au. You must submit your complaint in writing.
We will use our best endeavours to provide a response in writing within a timely manner, and to correct any Personal Information and notify any other entity required with updated information. We have detailed procedures for dealing with Privacy Law breaches. If you are dissatisfied with the outcome of your complaint, or if We refuse to provide access to, or correction of, your Personal Information, you may complain to the Office of the Australian Information Commissioner at http://www.oaic.gov.au. Our Privacy Policy - Transparency This Privacy Statement and Privacy Policy is available on Our website at www.oakcs.com.au and will be made available free of charge to anyone who requests a copy.
This Privacy Statement and Privacy Policy may be reviewed and amended from time to time, and any updated version will be made available on Our website or on request and will apply from the date the updated version is so published or provided. Our Privacy Policy - How to Contact Us You can contact Us and Our Privacy Officer at Our head office PO Box 33 Oakleigh VIC 3166 or telephone (03) 9569- 5000 or e-mail privacy@oakcs.com.au or via any of Our contact details listed at www.oakcs.com.au.
CREDIT REPORTING POLICY
This Credit Reporting Policy explains how We will manage your credit information and your credit eligibility information. Our handling of your credit information is in compliance with the obligation under the Privacy Act 1988 (Act) and the Credit Reporting Privacy Code (CR Code). This document is to be read together with Our Privacy Policy and Statement of Notifiable Matters.
What credit information and credit eligibility do We collect?
We may collect, use, hold and disclose credit information about you. You consent to such collection, holding, use and disclosure of your credit information in accordance with the terms of this policy. The terms “credit information “, “credit eligibility information”, “credit reporting information” and “personal information”, as used in this policy, are as defined in the Act. If you apply for commercial credit or provide a guarantee for commercial credit, the kinds of credit information and credit eligibility information that We may collect and hold includes information used to identify you, your creditworthiness and any other related information necessary or incidental to the products and services which We provide or propose to provide to you.
This may include:
(a) identification information; or
(b) consumer credit liability information; or
(c) repayment history information; or
(d) a statement that an information request has been made in relation to you by a credit provider; or
(e) payment or default information; or
(f) new arrangement information; or
(g) court proceedings information; or
(h) personal insolvency information; or
(i) publicly available information in relation to your creditworthiness.
Sometimes, We may gather credit information and credit eligibility information about you from a third party, for example, from credit reporting bodies (CRBs) or intermediaries and spouses or from publicly available information. The credit information that you provide allows Us to perform Our functions or activities. We may not be able to transact business with you if you do not provide all of the information requested or do not consent to how your credit information and credit eligibility information is managed in accordance with this policy.
How will We use your credit information and your credit eligibility information?
We will collect, hold, use and disclose credit information and credit eligibility information about you to:
(a) assess applications for credit or whether to accept an individual as a guarantor in relation to credit;
(b) assist you to avoid defaulting on your credit obligations;
(c) notify other credit providers or a credit reporting agency body of a default by you;
(d) assess your creditworthiness; or
(e) offer you further services and products; or
(f) comply with regulatory or legal requirements.
We will also collect, hold, use and disclose credit information and credit eligibility information about you to comply with Australian legislation, including the Corporations Act 2001, Proceeds of Crime Act 1987 and Anti-Money Laundering and Counter Terrorism Financing Act 2006 and any other similar Acts or regulations, together with any amendments to any such Acts.
Storage of your credit information and credit eligibility information We use industry-standard methods and take such steps as are reasonable to protect your credit information and credit eligibility information from unauthorised access, modification or disclosure and from misuse, interference and loss. Among other techniques, We usually:
(a) store such information on a computer behind Our “firewall” in a secure location and/or with a trusted service provider who is in the business of providing data storage and processing services;
(b) restrict the number of employees internally who can access such data; and
(c) keep hard copies of documents in lockable cabinets in a secure location.
Once credit information is no longer required by Us for the purposes for which it was collected or held or otherwise in accordance with the Act, We will take all steps as are reasonable in the circumstances to ensure that it is either destroyed or de-identified.
Disclosure of credit information and credit eligibility information We may disclose your credit information and credit eligibility information to any of the following third parties:
(a) any regulatory, governmental organisation or industry or legal body which governs the conduct of any part of Our business in any jurisdiction or as required by law or regulation;
(b) Our associated and related bodies corporate and entities;
(c) a third party who is supplying a service to Us;
(d) any other third party provided that We obtain your prior written consent;
(e) your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian, trustee, or attorney);
(f) where permitted by law, debt collection agencies and/or financiers or other lenders; or
(g) as otherwise permitted by law.
Disclosure outside of Australia We may transfer your credit information and credit eligibility information to Our related, associated, subsidiary and parent companies in Pakistan, which are registered and governed by laws outside the Australian jurisdiction. Credit Reporting Bodies (“CRBs”) and your credit information CRBs are permitted under the Act and the CR Code to use and disclose your credit information. If you apply for commercial credit or offer to act as a guarantor, We may disclose your credit information to, or collect credit information about you from, a CRB.
This information is used for the purpose of determining your eligibility for credit, and We may process the information to assess your creditworthiness and suitability for credit. We may deal with the following CRBs:
(a) Creditor Watch Pty Ltd GPO Box 276, Sydney NSW 2001, www.creditorwatch.com.au, 1300 50 13 12;
(b) Equifax Pty Limited PO Box 964 North Sydney NSW 2059, www.equifax.com.au, 13 83 32; and
(c) Illion Australia Pty Ltd Level 20, 201 Elizabeth Street Sydney NSW 2000 (Phone 13 23 33)
Further information about how these CRBs manage credit related personal information can be found in their Privacy Policies available on their websites or by contacting them directly.
Access to and correction of your credit information and credit eligibility information You may request access to the credit information and credit eligibility information that We hold about you.
We may be able to provide you with access to this information in a manner that you request if this is reasonable and practicable. You may request Us to correct the credit information and credit eligibility information held in relation to you if you believe that it is inaccurate, out of date, incomplete, irrelevant or misleading. Please see Our contact details below to make an access or correction request.
We will endeavour to respond to your request within 30 days. If you are not satisfied with Our response to your access or correction request, please see Our Complaints section below for information on making a complaint. Approach to complaints handling You have the right to make a complaint if you believe that We have not complied with Our obligations under the Act and the CR Code.
To make a complaint, please contact Us in writing using the contact details listed below. We will endeavour to respond to your complaint within 30 days. If you are not satisfied with Our response to your complaint, you may wish to refer your complaint to the Office of the Australian Information Commissioner. For contact details, please see www.oaic.gov.au.
Contact details If you have any questions about this policy, please contact the Privacy Officer on (03) 9569-5000, by e-mail at privacy@oakcs.com.au or by mail to the Privacy Officer at PO Box 33 Oakleigh VIC 3166. Changes to the credit reporting policy We may, at Our discretion, change Our approach to the handling of credit information and will, in such instances, update the Credit Reporting Policy to reflect these changes.
The most up-to-date copy of the Credit Reporting Policy will be available at www.oakcs.com.au. STATEMENT OF NOTIFIABLE MATTERS This statement has been prepared by Us to provide you with information on the credit reporting bodies that We deal with and to notify you about the rights you have in relation to your credit information.
Credit information Credit information and credit eligibility information is personal information that may have a bearing on commercial credit that has been provided to you or that you have applied for or is about you as a guarantor of commercial credit.
Credit information about you may include:
•identification information; or
• consumer credit liability information; or
• repayment history information; or
• a statement that an information request has been made in relation to you by a credit provider; or
• default information; or
• payment information; or
• new arrangement information; or
• court proceedings information; or
• personal insolvency information; or
• publicly available information in relation to your creditworthiness.
Credit information applies to both consumer credit and commercial credit.
Credit reporting bodies and your credit information Credit reporting bodies are permitted under the Privacy Act 1988 and the Credit Reporting Privacy Code to use and disclose your credit information. If you apply for commercial credit or offer to act as a guarantor, We may disclose your credit information to, or collect credit information about you from, a credit reporting body.
This information is used for the purpose of determining your eligibility for credit, and We may process the information to assess your creditworthiness and suitability for credit. Credit reporting bodies that We may disclose credit information to:
We deal with the following credit reporting bodies:
• Creditor Watch Pty Ltd GPO Box 276, Sydney NSW 2001, www.creditorwatch.com.au, 1300 50 13 12;
• Equifax Pty Limited PO Box 964 North Sydney NSW 2059, www.equifax.com.au, 13 83 32; and
• Illion Australia Pty Ltd Level 20, 201 Elizabeth Street Sydney NSW 2000, www.illion.com.au, 13 23 33.
Further information about how these credit reporting bodies manage credit related personal information can be found in their privacy policies which can be obtained from their websites or by contacting them directly.
Our Credit Reporting Policy and how you may access your credit information We manage credit information in accordance with Our Credit Reporting Policy.
Our Credit Reporting Policy contains further information on:
• how you can access the credit information that We hold about you;
• how you can correct the credit information that We hold about you;
• how you can complain about a breach of regulatory obligations by Us;
• the locations outside of Australia that We may disclose your credit information to.
Your rights in relation to your credit information Credit reporting bodies offer a service to credit providers wishing to send direct marketing material about credit services to individuals. This is called “credit pre-screening”.
You have the right to request the credit reporting bodies do not use your credit information for this purpose. To opt out of credit pre-screening, contact the credit reporting body, using the contact details provided above.
You can also ask a credit reporting body not to use or disclose your credit reporting information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.
These are the entire Terms and Conditions of Supply of all goods and services supplied by OAK Construction Services Pty Ltd ACN 622 458 511 (“the Supplier”). Clause 1 sets out a glossary to help the parties read and understand the Terms.
Clauses 2 – 4 outlines how these Terms are set up, our relationship under these Terms, and how these Terms can be changed.
1. DEFINITIONS AND INTERPRETATION
Account Customer means a Customer who has a Credit Account with Us and who may make purchases through that account.Additional Expenses means any duties, fees, taxes (including GST), delivery charges, merchant fees, installation fees, storage fees and levies imposed by these Terms.COD Customer means a Customer who is not an Account Customer and may make purchases on a pre-paid or cash-on-delivery basis only.Credit Account means the approved commercial account You have with Us to purchase Goods and Services on credit pursuant to these Terms. Customer means any person, firm or company placing an Order with Us for the purchase of Goods, Labour Hire and Services pursuant to these Terms and includes Your agents and permitted assigns (all of which are referred to as “You” and “Your”).
Deposit means the payment of fifty (50) percent of each Order price in respect of Goods and Services, and the payment of a minimum of 4 hours work per individual personnel in respect of Labour Hire.
Due Date means the date listed on Our invoice for Your payment of Goods, Labour Hire and/or Services.
Goods means any goods, equipment and merchandise supplied by Us to You pursuant to any Quote, Order and/or these Terms, including but not limited to traffic management and control equipment.
Industrial Law means any industrial or employment contract, award, instrument, rule, statute or legislation and amended from time to time.Insolvency Event means any circumstances where We reasonably believe that You are unable to pay Your debts as and when they fall due or You have suffered a material adverse change in Your financial circumstances.Labour Hire means professional personnel services provided by Us to You pursuant to any Quote, Order and/or these Terms, including the recruitment and supply of employees, contractors, agents and other personnel to perform work, labour and services for You.
Loss means any claim, demand, cause of action, loss and damage, liability costs (including legal costs on an indemnity basis), expenses (including any GST payable) and is not limited by the Losses which were contemplated by the parties at the time of entering into these Terms.
Order means an order for the hire or purchase of Goods, Labour Hire and/or Services placed by You.
Permanent Placement Fee means a fee equivalent to 160 hours of an applicable Worker’s charge rate.
PPS Law means:(a) the Personal Property Security Act 2009 (Cth) (PPS Act) and any regulation made at any time under the PPS Act (each as amended from time to time); and(b) any amendment made at any time to any other legislation as a consequence of a PPS Law.
Quote means a written description of the Goods, Labour Hire and/or Services to be provided by Us to You.Services means professional traffic management and building site services provided by Us to You pursuant to any Quote, Order and/or these Terms, including but not limited to traffic management plans and consultation, risk and hazard assessment, permit compliance, certification, traffic control solutions, forklift services, hoist and elevator services, carpentry services and other traffic management and building site related services.
Site means any place at which You request Goods, Labour Hire and/or Services to be supplied.
Supplier means the entity or entities specified in these Terms as supplying Goods, Labour Hire and/or Services to You and includes any associated, related, subsidiary and parent companies, successors and assigns (all of which are referred to as “Us”, “We” and “Our”).
Terms means the contract created by these Terms and Conditions of Supply.
Website means https://www.oakcs.com.au/ as redirected from time to time.
Worker means any person who is Our employee, agent, contractor or other personnel and supplied by Us to conduct work, labour or services for You.
In these Terms:
(a) A Business Day is any day except Saturday, Sunday or a public holiday in the location where the Goods, Labour Hire and/or Services are being supplied;
(b) a reference to writing includes email and any communication through Our website;
(c) a reference to a clause or paragraph is a reference to these Terms;
(d) a reference to a party to these Terms or any other document or arrangement includes that party’s executors, administrators, successors and permitted assigns;
(e) where an expression is defined, another part of speech or grammatical form of that expression has a corresponding meaning;
(f) headings and any explanatory notes and paragraphs are for ease of reference only and do not affect the meaning or interpretation of these Terms; and
(g) if these Terms require something to be done on a day that is not a Business Day (for example, payment or notice), then it must be done on the preceding Business Day.
2. THIS AGREEMENT AND OUR RELATIONSHIPS
(a) These are the entire terms and conditions of sale of all Goods, Labour Hire and/or Services supplied by Us to You. Except where the parties agree otherwise (which must be by a duly authorised officer and in writing), these Terms apply notwithstanding any provisions to the contrary which may appear on any other document, including a Quote, Order or Invoice.
(b) You warrant that You have obtained all the necessary authorisations to enter into and perform the contract created by these Terms.
(c) You accept these Terms by signing and returning a copy of them to Us or by other conduct, for example by oral acceptance, making an Order, or by instructing Us to commence or continue Services.
(d) You engage Us to provide Goods, Labour Hire and/or Services strictly as an independent contractor. We are not engaged as Your employee, partner, agent, joint venture or franchisee, nor is any other person working at Our direction.
(e) In respect of Labour Hire under these Terms:
i) No contractual relationship exists between You and any Worker, and no Worker is to be construed as Your employee, independent contractor, partner, agent, joint venturer or franchisee;
(e) We may accept or decline any Order by notifying You in writing, by delivering the Goods to You, providing the Labour Hire or supplying the Services. The parties agree that these Terms apply to all Orders for the supply of Goods, Labour Hire and Services.
(f) If You are a COD Customer:
i) We may ask you to pay a Deposit upon receipt of a Quote from Us;
ii) We will not be deemed to have accepted Your Order until payment of the Deposit has been made; and
iii) The balance price of the Order must be paid no later than three
(3) days prior to delivery of the Goods or supply of the Services.
(g) You may cancel an Order within twenty-four (24) hours of placing the Order without incurring any cancellation fees. If you cancel an Order after twenty-four (24) hours:
i) We may require You to make full payment of Your Order in the case of Goods, or full payment of the Deposit in the case of Labour Hire and Services if that Deposit has not already been paid; and
ii) You agree that we will be entitled to retain any Deposit paid by You and apply the payment at Our discretion towards any sum owed to Us.
(h) Unless the parties agree differently in writing, the price You must pay for Goods, Labour Hire and Services is specified in Our invoice and may include Additional Expenses.
(i) We have the right to change the prices of Goods, Labour Hire and Services supplied under these Terms:
i) Without notice, before accepting any Order or request for a Quote;
ii) With 14 days’ notice at any other time.
(j) All amounts payable by You for Goods, Labour Hire and Services are inclusive of GST (unless expressly stated otherwise). You must pay Us GST imposed on any supply of Goods, Labour Hire and Services made under these Terms. Payment of any GST must be made at the same time as payment for the Goods, Labour Hire and Services.
(k) Our prices for Labour Hire specifically include the services, costs and allowances listed at clause 6. (r). Our prices for Labour Hire do not include the services, costs and allowances listed at clause 6.(s) and, if required to be undertaken or paid by Us, may be charged to You as Additional Expenses.
Clause 6 outlines how Goods, Labour Hire and Services are supplied and delivered
6. SUPPLY AND DELIVERY
(a) The specifications for the Goods, Labour Hire and/or Services to be supplied under these Terms are contained in the Order/s You submit from time-to-time.
(b) At any time, We may appoint an agent to perform Our obligations of these Terms.
Supply and Delivery of Goods
(c) We will use our best endeavours to call You twenty-four (24) hours prior to any scheduled delivery time of Goods.
(d) To supply Goods to You, we may make the Goods available for Your collection or deliver the Goods. Delivery may be by a third-party carrier and delivery by instalments.
(e) You authorise Us to deliver the Goods to the Site nominated by You.
You also authorise Us to leave the Goods at the Site whether or not any person is there to accept delivery.
(f) We are not obliged to obtain a signed receipt, signed delivery docket or other acknowledgement of the Goods being delivered. But if a signed receipt, delivery docket or other acknowledgement is obtained then that document will be conclusive evidence that you have accepted delivery of the Goods.
(g) You must provide a suitable and safe area for Us to deliver the Goods, including a delivery site that is compliant with occupational health and safety legislation and fully insured for Our (or Our agents, employees or contractors) safe use.
(h) All delivery times indicated by Us are estimates only. Delivery times are subject to the Goods being available and subject to Our reasonable ability to make the delivery on that date. We will endeavour to deliver Goods at the time you need, but if We fail to deliver Goods within a specified time or We fail to deliver any instalment, You are not allowed to cancel Your Order, refuse to accept delivery or refuse to pay for the Goods.
(i) Delivery of the Goods is deemed to occur when the Goods are:
i) Handed to You or Your representative; or
ii) Delivered to the site nominated by You or appearing on Your invoice for the Goods; or
iii) Collected from Us by You or Your representative, whichever occurs first.
(j) When delivery occurs Our delivery obligation is discharged.
(k) If You do not collect the Goods by the nominated collection date, then We may deliver the Goods to any site nominated by You or appearing on Your invoice for the Goods. We may also store the Goods or refuse to store the Goods if full payment has not been received from You.
(l) You agree to examine the Goods immediately on delivery.
(m) We are not liable for any Loss suffered by You whatsoever after delivery of the Goods to You.
(n) You must pay all costs and fees We incur due to:
i) Our storage or delivery of the Goods where You have failed to collect them by the nominated collection date;
ii) Any delay in delivery of the Goods which is caused by You, the conditions of the nominated delivery site or the nature of the Goods being delivered;
iii) Any unexpected labour, permit, licence or additional costs in connection with the delivery.
(o) Entry onto Our premises is at Your own risk. It is also at the risk of Your agents, employees, contractors and other representatives. We are not liable for any Loss whatsoever that You (or any of Your agents, employees, contractors or other representatives) incur at Our premises.
(p) In respect of hired Goods, You must:
i) Ensure that You satisfy Yourself as to the suitability, condition, and fitness for purpose of the hired Goods without relying on the skills or judgment of Us. To the extent permitted by law, You acknowledge that We have not made any representation or warranty as to the suitability, condition and fitness for purpose of the hired Goods or any other matter (other than what is expressly set out in writing);
ii) At all times transport, load, erect, install and operate hired Goods safely, strictly in accordance with all laws, only for the intended purpose of the hired Goods and in accordance with manufacturer instructions;
iii) Clean, fuel and maintain all hired Goods in good condition and in accordance with Ours and the manufacturer’s instructions at Your cost;
iv) Not in any way alter, modify, tamper with or damage the hired Goods without Our prior written consent;
v) Store the hired Goods safely and securely to ensure that they are protected from theft, vandalism, seizure, damage or subject to adverse climate or environmental conditions that may damage the Goods (for example, corrosion or flooding);
vi) Not use the hired Goods off-shore, over water or in a mine, or remove the hired Goods from the Site/s for which it was hired without Our prior written consent;
vii) Not expose the hired Goods to any hazardous substance (including asbestos) without Our prior written consent. You must immediately advise Us if the hired Goods have, or are at risk of, contact with a hazardous substance;
viii) Allow Us to inspect and maintain the hired Goods with reasonable notice during the hire period;
ix) Return the hired Goods to Us in the same good and clean condition the Goods were in when You hired them, save for fair wear and tear.
Supply and Delivery of Labour Hire
(q) We will:
i) Supply Workers who are appropriately qualified, experienced, trained and resourced to undertake the work required;
ii) Ensure that all Workers have the right to work in Australia and that appropriate visa and work rights checks are made in accordance with the Migration Act 1958 (Cth); and
iii) Make all reasonable attempts to ensure that Workers comply with all work health and safety requirements of the state or territory in which the Labour Hire work is carried out, together with Your reasonable health and safety policies and procedures and site operational requirements, to ensure the health and safety of Workers at all times.
(r) We are responsible for:
i) Payment of remuneration and other entitlements that a Worker may be entitled under any Industrial Law, including salaries and wages, allowances, minimum wage entitlements, superannuation, annual leave, sick leave, long service leave, carer’s leave, rostered-days-off, redundancy entitlements and public holiday entitlements. We are responsible for these entitlements whether they are paid or unpaid;
ii) Payment of all taxes and duties in respect of a Worker’s remuneration and entitlements, including payroll tax;
iii) Payment and maintenance of relevant insurances, including public liability insurance for the sum of $20M and worker’s compensation insurance in respect of Workers supplied;
iv) Provision or cost of all personal protective equipment (PPE) which may be required under the respective occupational health and safety legislation; and
v) Compliance and the cost of compliance with all Industrial Laws with respect to Workers supplied.
(s) You must:
i) Conduct a safety induction for all Workers, and ensure that all Workers complete such safety induction, prior to any Worker commencing work with You;
ii) Provide and maintain safe working environments and work systems for the Workers in accordance with all applicable occupational health and safety legislation and Industrial Law to ensure that there are no risks to health and safety of Workers;
iii) Provide (or pay Us to supply) any non-regulation PPE that You or Your safety policies and procedures require to manage a Site-specific occupational hygiene or safety hazard;
iv) Provide adequate supervision, information and direction of Workers to ensure that the Labour Hire work is carried out correctly and in a safe manner;
v) Provide or pay for Site-specific costs or allowances, including travel, meals and tools required by Workers; and
vi) Otherwise take full care and control of all Workers and their duties for the duration of the Labour Hire period from the time that the Worker first commences work for the Labour Hire period.
(t) Workers are deemed to have been supplied and delivered by Us under these Terms when they commence the period of Labour Hire.
(u) Labour Hire is not exclusive to You and We may provide Labour Hire to other customers that are similar or the same as You. Supply and Delivery of Services
(v) The Services are provided to You with all due skill and care in accordance with Our professional and ethical standards. Access and Information
(w) Provision of the Services is dependent on Your timely co-operation and performing Your obligations under this Contract, including promptly providing to Us with all reasonable care, skill and attention:
i) accurate and complete instructions, materials and information that We reasonably require;
ii) access to files, records and information technology systems, premises, reasonable working facilities for Us to use, third parties where applicable and people (whether senior executives, management or staff) with the relevant skills and experiences;
iii) all resources that are reasonably necessary to ensure timely approval, development and sign-off of all project plans, licenses and permits, specifications, accounts and deliverables, including inspecting and reviewing all reports and other work product prepared by Us;
iv) permission to access third party premises and use any third-party information or intellectual property rights We require to perform the Services. You remain responsible for any and all obligations with respect to agreements for such third-party services and warrant that You have obtained or agree that You will obtain all third-party consents and security clearances needed.
Your Obligations and Acknowledgements
(x) You acknowledge and agree that:
i) Our Services are limited to the particular issue, advice, consultation, project, solution, tasks, activities or other scope of work that We have agreed to carry out and the specific circumstances that apply in the course of Our engagement;
ii) We are entitled to rely on the accuracy of and completeness of the information (written or oral) provided to, or obtained by, Us, whether the information is provided by, or obtained from, You, Your officers or staff, or Your advisors or consultants. You acknowledge and agree that We will not verify the accuracy or completeness of such information, unless provided for in the Services;
iii) Any Services provided are based on information that is made available or is available to us at the time. You acknowledge and agree that actual results may be different from any objectives, budgets, projections or forecasts since anticipated events frequently do not occur as expected and the variation may be material;
iv) You must promptly notify Us of any change in information that may have a material impact on the Services or if anything occurs after information is provided to Us which renders such information untrue, unfair or misleading. If required by Us, You must take all necessary steps to correct any announcement, communication or document issued which contains, refers to or is based upon, such information;
v) You must not assume that We have information either provided by others on Your behalf or known by any of Our related entities not engaged in the provision of the Services. You must advise Us of any information that You require Us to consider in providing the Services;
vi) Our original Services (including advice, plans, solutions, licenses, permits and reports) may not be applicable or appropriate in circumstances where a project is delayed, or is to be repeated, or an apparently similar project is to be undertaken, or arises in the future. In those circumstances, We will rely on You to ask Us to review any original advice already given;
vii) We are not required to update any advice, plan or report (whether oral or written) for events occurring after the provision of Services, unless otherwise agreed between the parties;
viii) If We provide general advice, the application of that advice to any particular circumstances may be affected by anything that We are not aware of. Specific advice should always be sought, and all material information provided to Us in relation to a particular situation;
ix) You may only rely on our final agreed Services. You may not rely on oral advice, draft plans or presentations, interim advice or reports, or any other draft or interim documents provided by Us.
If We provide Our advice in abbreviated or shortened format at Your request, You acknowledge that You will not receive all the information You would have had We provided a full written report or had more time in which to carry out the Services.
x) Estimates of time for completion of the Services are made in good faith and given on the assumption that We receive the required co-operation and commitment from You and other organisations, government bodies, advisers and consultants. If You do not provide, or delay in providing that co-operation, We may charge additional fees and expenses that are incurred as a result (in addition to any other rights We may have).
Security
xi) Our staff may carry out procedures at Your premises when providing the Services. When Our staff are working at Your premises, You must provide them with a working environment which is safe, healthy and complies with any relevant work health and safety legislation and government regulation.
xii) You must ensure that appropriate back-up, security (including anti-virus and anti-spyware software), licensing and virus checking procedures are in place for any computers You use in connection with the Services or provided to Us. You acknowledge and agree that We will not be responsible for any security breach, including fraud, which affects Your computers due to any virus or malicious software.
Engaging Third Parties
xiii) We may engage (as Your agent or as principal) other organisations or experts to assist in providing the Services. If You do not consent to the engagement of these third parties, We may decline to provide all or part of the Services.
xiv) Where You ask Us to engage third parties on Your behalf (as Your agent), We may ask You to provide Us with sufficient funds in advance to pay their fees. You agree that We do so strictly as Your agent and You take full responsibility for all applicable costs and fees regardless of whether We introduced You to the third party. We are entitled to rely on advice obtained from such third parties without further investigation or consideration. We are not responsible for the quality, content or effect of such advice, and You release Us from all liability arising from that advice unless otherwise agreed by Us in writing.
Clauses 7 - 10 outline how we get paid including making payment, credit accounts and security
7. PAYMENT AND CREDIT
(a) If We provide you with Services and/or Labour Hire, You must:
i) Ensure that each Worker maintains a timesheet recording the number of hours worked and where those hours are worked;
ii) In situations where We reasonably require time records, ensure that time sheets are maintained for Services (including vehicles used in delivering Services and time worked for trades); and
iii) Approve timesheets each week by checking the timesheets for accuracy and having Your authorised representative sign the timesheets.
(b) Unless the parties agree differently in writing, You must pay for Goods, Labour Hire and Services on or before the Due Date.
(c) At Our discretion, We may provide You with a discount on the price of Goods, Labour Hire or Services where You pay Our invoice at least 7 days before the Due Date. Any offer to discount will be displayed on Our invoice and does not apply automatically.
(d) If You believe You have a set-off or claim against Us (including any query, dispute or claim about timesheets), You cannot withhold any payment on that basis without Our prior written consent.
(e) If You do not pay for Goods, Labour Hire and Services by the Due Date, We may:
i) Charge You a reasonable surcharge for processing payments made by credit card, at an amount advised by us from time to time;
ii) Charge You interest on all overdue accounts at a rate which is 4% higher than the cash rate last published by the Reserve Bank of Australia as at the Due Date, calculated and payable daily and compounded from the due date until the invoice is paid in full.
The parties agree that this interest charge is not a penalty, but a true measure of damages incurred by Us;
iii) Require You to pay cash on delivery of any further Goods, Labour Hire and Services, or suspend any further deliveries of Goods, or cease supplying Goods, Labour Hire and Services to You;
iv) Demand Your immediate payment of all outstanding monies;
v) Charge You a reasonable fee if any payment is dishonoured or returned by Your financial provider (or where we are otherwise unable to process any payment from Your financial provider);
vi) Credit any payments received from You first against any interest charges and costs and all such charges will be payable on demand; and
vii) Preclude You from participating in any special deals, discounts, bonus payments redemptions, rebates and all other incentive programs until Your account is no longer overdue.
(f) You may apply for a Credit Account with Us to hire or purchase Goods and to purchase Labour Hire and Services. We have no obligation to provide or continue to provide credit facilities to You.
You are not entitled to credit facilities until You receive an approved Credit Account with Us.
(g) A Credit Account must only be used by You, which means it cannot be assigned, transferred or made available for use by any other entity or person (including by a subsequent purchaser of You) without Our prior written consent. Any credit limit placed on Your Credit Account is for Our administrative purposes only and does not constitute a term of this or any other contract You have with Us.
(h) If You exceed the credit limit placed on Your Credit Account, We may require You to make immediate payment on Your Credit Account to return Your Credit Account to the credit limit before placing any further Orders.
(i) You also authorise Us to debit Your Credit Account with the price of Goods, Labour Hire and Services supplied to You and all other amounts owed by You to Us (including fees and interest payable under the Contract).
(j) We may apply any payments You make to Us towards any debt You owe Us. We may also set-off any credit amount that We owe to You against any debt owed to Us by You.
(k) Time is of the essence in relation to this section. This section survives expiry or termination of these Terms.
8. RISK AND OWNERSHIP
(a) Unless the parties agree differently in writing, all risk in Goods, Services and Labour Hire passes to You when:
i) Goods are delivered to You (or Your agent, representative or nominated carrier) or when the Goods are collected by You (or Your agent or nominated carrier);
ii) Services are delivered to You; and/or
iii) Workers commence the period of Labour Hire.
(b) Legal ownership of hired Goods does not pass to You whatsoever. Even if You go into external administration during the hire period, We (or any third party sub-hirer, as the case may be) retain title to the hired Goods at all times. Your rights to use hired Goods are as bailee only and You are not entitled to offer, sell, assign, sub-let, mortgage, pledge or otherwise deal with hired Goods in any way which is inconsistent with Our (or any third-party sub-hirer) ownership of the hired Goods.
(c) Legal ownership of Goods sold does not pass to You until We have received all amounts owing by You on any account whatsoever with Us including any Additional Expenses.
(d) Until legal ownership of purchased Goods passes to You, Goods sold are held by You for Us as bailee. You must store the Goods separately from Your own or anyone else’s Goods. Storage must be in a way that clearly identifies the Goods as Our property and prevents the Goods from being damaged or spoiled.
(e) You may resell any Goods sold before legal ownership passes to You, provided that You:
i) Resell the Goods to a third party in the ordinary course of business;
ii) Act in any transaction as Our fiduciary agent;
iii) Hold the proceeds of sale of Goods on trust for Us and in a separate account with separate records;
iv) Account to Us for those proceeds or any other payment made by a third party for any sale of the Goods; and
v) Allow us to inspect any records of any payments received for Goods.
(f) If You do not pay for any Goods by the Due Date or You suffer an Insolvency Event, then We may repossess the Goods wherever they are located. You irrevocably grant Us (including Our agents or any other nominated representative) an unrestricted right and licence to enter any premises occupied by You without notice for the purpose of identifying and repossessing any of the Goods. We reserve these repossession rights without being liable to You or any other third party in any way.
(g) You must insure all Goods at Your own cost and expense. Insurance must be to the full extent of the price paid or payable for those Goods and remain valid at all times. This includes, but is not limited to, between the time that risk in the Goods passes to You and the date that any title in the Goods passes to You.
9. SECURITY OVER REAL ESTATE
(a) To secure payment of all monies You owe Us for the supply of Goods, Labour Hire and Services, You:
i) Charge all of Your interest in real and personal property (including all property acquired after the date of these Terms) in favour of Us, whether or not a demand has been made on You (“Charge”). This Charge constitutes a General Security Agreement for the purposes of the PPSA;
ii) Authorise and consent to Us taking all actions necessary to give effect to the Charge, including the lodgement of a caveat upon any title of Your real property, whether held in Your own right or as trustee of any trust, or any other security document; and
iii) Agree to deliver to Us within seven (7) days of written demand a Memorandum of Mortgage in registrable form. You agree that any amount payable to Us payable on demand incorporating the covenants contained in Memorandum No. Q860000 registered at the Land Registry Services New South Wales as amended to comply with and reflect any appropriate laws in the jurisdiction(s) where You have any beneficial interest in real and personal property and as amended appropriately to comply with any formal requirements of registration.
iv) Irrevocably appoint Us and any person nominated by Us severally as Your attorney, with power to execute, sign and deliver (which delivery may be subject to such terms and conditions as the attorney thinks fit) such caveat, mortgage or other security document to effect the Charge granted under this part.
10. PERSONAL PROPERTY SECURITIES ACT 2009 (CTH)
(a) These Terms constitute a security agreement for the purposes of the PPSA (“Security Agreement”) and create a security interest in the Goods supplied by Us from time to time and any proceeds of the hire or sale of Goods to secure payment for the Goods (“Security Interest”).
(b) Each sale or supply of Goods by Us under these Terms is subject to the Security Agreement for the purposes of the PPSA.
(c) We may lodge a financing statement on the Personal Property Securities Register (“PPSR”) in respect of the Security Interest in the Goods and the proceeds of the hire or sale of the Goods, including as a purchase money security interest (as that term is defined in the
PPSA) (“PMSI”), pursuant to these Terms. Assurances
(d) You must do all things, provide all information and sign all documents that are necessary and reasonably required to enable Us to acquire a perfected Security Interest in the Goods, including for the purposes of:
i) Ensuring that any Security Interest created under, or provided for, by these Terms:
a. Attaches to the collateral that is intended to be covered by that Security Interest; and
b. Is enforceable, perfected and otherwise effective; and
c. Has the priority required by Us.
ii) Enabling Us to prepare and register a financing statement or financing change statement;
iii) Enabling Us to register a PMSI under the PPSA; and
iv) Enabling Us to exercise and maintain any of the Our rights or powers in connection with any such Security Interest
(e) If You dispose of the Goods, You must:
i) Immediately pay any proceeds to Us in reduction of all amounts owing by You to Us, which We may apply towards amounts owing by You to Us in such order as specified by subsection 14(6)(c) of the PPSA, unless otherwise specified by Us in writing;
and
ii) Not allow any other charge or security interest to exist over those proceeds without Our written consent if that security interest could rank ahead of Our Security Interest.
(f) If a higher-priority security interest does arise in the Goods despite Your obligations under this section, You must:
i) Ensure that You receive cash proceeds for the Goods of at least equal to the market value of the Goods; and
ii) Immediately pay those proceeds to Us in reduction of all amounts owing by You to Us, which We may apply towards amounts owing by You to Us in such order as We see fit.
(g) You must not change Your name, structure, status or partnership, or assign or sell Your business to another party, or initiate any change to any registered documentation, or act in any other manner which would impact on Our registered Security Interest without Our prior
written consent. You agree that Your liability under these Terms is not affected by such an event until a new application for credit in Your new entity name as restructured or changed is made and approved by Us in writing.
Exclusion of Notices and Other Obligations
(h) To the extent permitted by law and for the purposes of sections 115(1) and 115(7) of the PPSA:
i) We do not need to comply with sections 95, 118, 121(4), 125, 129(2), 129(3), 130, 132(3)(d) or 132(4); and
ii) Sections 142 and 143 are excluded;
iii) For the purposes of section 115(7) of the PPSA, We do not need to comply with sections 132 and 137(3).
(i) To the extent permitted by law, You agree to waive:
i) Your rights to receive any notice that is required by any provision of the PPSA (including a notice of a verification statement) or any other law before a secured party or a receiver exercises a right, power or remedy; and
ii) Any time period that must otherwise lapse under any law before a secured part or a receiver exercises a right, power or remedy.
(j) If the law that requires a period of notice or a lapse of time cannot be excluded, but the law provides that the period of notice or lapse of time may be agreed, that period or lapse is one day or the minimum period the law allows to be agreed (whichever is the longer).
Provision of Information
(k) You agree not to exercise Your rights to make any request of Us under section 275(6) of the PPSA, to authorise the disclosure of any information under that section or to waive any duty of confidence that would otherwise permit non-disclosure under that section.
(l) The parties must not disclose information of the kind mentioned in section 275(1) of the PPSA, except in the circumstances where:
i) Disclosure is required by sections 275(7)(b) to (e) of the PPSA; and/or
ii) We disclose information of a kind mentioned in section 275(1) of the PPSA to the extent that We are not doing so in response to a request made by an “interested person” (as defined in section 275(9) of the PPSA) pursuant to section 275(1) of the PPSA.
(m) Notwithstanding the obligations of this section, You shall only authorise the disclosure of information for the purposes of section 275(7)(c) of the PPSA, or request information under section 275(7)(d) of the PPSA, if We approve such disclosure or request for information in writing.
(n) Nothing in this part prevents any disclosure of information by Us that We believe is reasonably necessary to comply with any other obligations that We may have under the PPSA.
Other
(o) If You default in the timely performance of any obligation owed to Us, We may enforce the Security Interest by exercising all or any of Our rights under these Terms, the general law and the PPSA.
(p) Nothing in this part limits or is limited by any other provision of these Terms and Conditions or any other agreement between the parties.
Clauses 11 – 13 set out how to deal with issues that may arise, including returns, loss or damage of hire equipment and retention of workers
11. RETURNS
(a) If You think any Goods supplied are defective, damaged, missing or misdelivered, You must notify Us in writing and within seven (7) days of delivery/collection of those Goods. You must take all steps necessary to mitigate any Loss arising from any defect in the Goods
supplied. You will be deemed to accept the Goods (including any responsibility for any defects) if You do not notify Us in accordance with these Terms.
(b) All notifications under this section must be accompanied by:-
i) Proof of purchase or hire;
ii) Written details of the alleged defect including photographs;
iii) Appropriate documentation (such as installation and maintenance records); and
iv) You must allow Us or Our authorised representatives access to the Goods for inspection.
(a) Unless We agree differently in writing, We are not required to accept
returned Goods from You.
(b) If We agree to accept Goods by return, You must provide Your proof of purchase or hire for the Goods being returned. We may charge You reasonable restocking, disposal or repacking charges which We incur from the Goods being returned.
(c) Any Goods which are not in original or resaleable condition cannot be returned.
(d) You are responsible for any Additional Expenses associated with any return of Goods
(e) To the extent permitted by law, We give no warranties beyond the manufacturers or supplier’s warranties for Goods. Goods which are not manufactured by Us are subject solely to the warranties (if any) specified by the manufacturers or the third-party suppliers to Us.
(f) If You are not satisfied with the work done by a particular Worker, You must notify Us within 24 hours of that Worker commencing the period of Labour Hire. In our absolute discretion, We may agree to replace the Worker within 2 business days of being notified by You.
(g) If We do agree to replace a Worker, We will withdraw any further charges associated with a Worker who has been replaced for any period after notice was given in accordance with this section.
However, We may still require You to pay the Deposit for any Worker who has been replaced.
12. LOST, STOLEN, DAMAGED OR BROKEN-DOWN HIRE EQUIPMENT
(a) You are responsible for any loss, theft or damage to hired Goods during the hire period for any cause whatsoever, except where that loss, theft or damage has been directly caused by Us.
(b) If the hired Goods are lost, stolen or damaged, you are responsible for:
i) The cost of repairs; or
ii) Replacement (if the hired Goods cannot be repaired, which will
be determined at Our reasonable discretion); and
iii) Continuing hire charges until the hired Goods are repaired or replaced, unless otherwise determined by Us; and
iv) Other Additional Expenses associated with the repair and/or replacement of the hired Goods.
(c) If the hired Goods break down or become unsafe to use during the hire period then:
i) You must:
a. Immediately stop using the hired Goods and notify Us;
b. Take all steps necessary to prevent injury occurring to persons or property as a result of the condition of the hired Goods;
c. Take all steps necessary to prevent further damage to the hired Goods; and
d. Not repair or attempt to repair the hired Goods without Our prior written consent.
ii) We must:
a. Repair the hired Goods or provide suitable substitute hire Goods as soon as practicable after, but only where the hired Goods have broken down or become unsafe to use through no act or omission by You; and
b. Not impose hire charges for that portion of the hire period the Goods could not be used for, nor any costs associated with any repair or replacement of the hired Goods.
iii) If the hired Goods break down or become unsafe to use due to an act or omission by You, including Your misuse, recklessness or negligence of the hired Goods, then You are liable for all costs for the repair or replacement and continuing hire charges while the Goods are being repaired and/or replaced.
13. RETENTION OF WORKERS BY YOU
(a) You (including any of your representatives, employees, officers and agents) must not employ any Worker, or offer to employ any Worker whether directly or indirectly, without our prior written consent.
(b) You must pay Us a Permanent Placement Fee where:
i) You (including any of Your subsidiaries or related entities) have contact with a Worker through or in connection with the Labour Hire; and
ii) You or any of Your subsidiaries or related entities employs or engages a Worker, whether directly or indirectly; and
iii) The employment or engagement of the relevant Worker occurs during the period of Labour Hire, or within 12 months of the period of Labour Hire ending.
Clauses 14 & 15 outline the exclusions, limitations of liability and indemnities applicable to each party under these Terms
14. LIMITS AND EXCLUSIONS
(a) Neither party excludes or limits the application of any statute (including the Competition and Consumer Act 2010 (Cth) as amended from time to time (“the Act”)), where to do so would contravene that statute or cause any provision of these Terms to be void. Nothing in these Terms modifies, restricts or excludes the conditions, warranties, and undertakings and other legal rights under the Act and any other law applicable to the supply of Goods, Labour
Hire and Services which cannot be modified, restricted or excluded. Except as expressly set out in the Act, these Terms or a separate warranty document, We make no warranties or other representations under or in connection with these Terms, and in that regard Our liability is limited to the fullest extent permitted by law.
(b) To the extent permitted by law, all implied terms, guarantees, conditions and warranties are excluded from these Terms, including:
i) All conditions and warranties as to the quality or merchantability of Goods, Labour Hire and Services or their fitness for any particular purpose (whether express or implied and even if that purpose is made known to Us). You are responsible for ensuring that Goods, Labour Hire and Services are suitable for Your intended use; and
ii) No sale under these Terms constitutes a sale by sample or description. You acknowledge that a sample Good may vary from the Goods supplied and that any description of Goods is for identification purposes only.
(c) You agree that You have not relied on any inducement, representation or statement made by Us or on Our behalf in purchasing or hiring Goods, Labour Hire and Services.
(d) To the extent permitted by law, Our liability arising from breach of guarantee or warranty will be limited to Our choice of:
i) replacement of the Goods, Labour Hire or Services, or cost to replace the Goods, Labour Hire or Services; or
ii) re-supply of the Goods, Labour Hire or Services, or cost to resupply equivalent Goods, Labour Hire or Services; or
iii) repair of the Goods, or cost to repair the Goods; or
iv) reimbursement of some or all of the price paid by You for the Goods, Labour Hire or Services.
(e) In any other situation, including but not limited to Our breach of these terms, tort law or negligence, then Our liability to You will not exceed the price of the Goods, Labour Hire or Services supplied by Us (to the extent that is permitted by law).
(f) We are not liable to You for any loss of profits, loss of sales, loss of market, loss of goodwill or reputation, third party claims, incidental or special damages or indirect or consequential loss of any kind.
(g) We are not liable to You if:-
i) Goods, Labour Hire or Services have not been paid for;
ii) Goods have been abused, misused or neglected by you;
iii) We cannot establish any defect in Goods after inspection;
iv) You have used Goods and/ or Services other than for the purposes for which they were designed or intended;
v) Goods have been repaired, altered or modified by someone other than Us and without our consent;
vi) Goods have been subject to abnormal conditions, including environment, temperature, water, fire, humidity, pressure, stress or similar;
vii) A defect in Goods has arisen due to Your failure to install, use, assemble, handle and maintain the Goods in accordance with Our care and maintenance recommendations or industry accepted standards;
viii) Your claim is for general wear and tear;
ix) The Services are incorrect due to Your failure to comply with information and access obligations in these Terms.
(h) Neither party will be liable for any breach of these Terms which is wholly or partly caused by something outside the party’s reasonable control, including war, strikes, lockouts, industrial disputes or unrest, government restrictions or intervention, transport delays, fire, act of God, shortage of supplies or labour, pandemics, epidemics, storm or tempest, theft, vandalism, civil commotions or accidents of any kind.
This exclusion does not include Your obligation to pay for Goods, Labour Hire and Services.
15. INDEMNITIES
(a) To the extent permitted by law, You indemnify Us against and You must pay Us for any Loss that We may suffer or incur as a result of any act or omission by You (or any entity or person that You are responsible for) in relation to the Goods, Labour Hire and Services and/or these Terms, including but not limited to any breach of these Terms by You, Your negligence, Your failure to perform the obligations in these Terms and any claim made by You against Us.
(b) You must indemnify Us for and hold Us harmless (or Our agents, employees or contractors) from:
i) All reasonable legal costs which We incur as a result of any breach, act or omission by You under these Terms, however that breach, act or omission arises. This includes, but is not limited to, legal or mercantile agent fees on an indemnity basis in the recovery or attempted recovery of any overdue amount for Goods, Labour Hire and Services and any action taken to secure any charge;ii) Any stamp duty or other government rates, taxes (including GST) or charges levied on or in connection with the Credit Account, supply of Goods, Labour Hire and Service, and any deed of guarantee, indemnity and charge;iii) Any loss and damage incurred by Us as a result of You cancelling your Order after 24 hours, including but not limited to any Additional Expenses;iv) All costs associated with the registration, maintenance and withdrawal of any Security Interest created under these Terms;v) Any and all Loss arising out of delivery of Goods (including any loss or damage caused by delivering the Goods to an unattended site, any loss and damage suffered as a result of third party carriers nominated by You and any loss or damage suffered by Us as a result of any property damage or personal injury caused by the delivery and unloading the Goods);vi) Any loss, damage and costs associated with a warranty claim where no defect is found;vii) Any and all Loss arising out of Your (or Your agent, employee, contractor or other representative’s) attendance at Our premises;viii) Any and all Loss arising out of Your failure to provide a safe, suitable and compliant nominated delivery site for Goods and Services, or workplace for the Workers supplied for Labour Hire, except to the extent that We (or Our agents, employees or contractors) have committed an act of negligence, breach of the law or breach of the Terms;ix) Any loss or damage occasioned to Goods between the time that risk in the Goods passes to You and the time that the full price of the Goods is paid by You to Us.x) Any liability that We incur in connection with Our reliance on information provided by You or on Your behalf which is inaccurate, incomplete or misleading, or Your failure to provide Us with relevant information.
(c) This indemnity is a continuing obligation which is separate and independent from your other obligations under these Terms or at law and this indemnity survives termination of these Terms. For clarity, this indemnity does not apply to Loss which is caused by Our breach of these Terms.
Clauses 16 & 17 outline how to resolve any disputes and terminate these Terms, if necessary
16. DISPUTE RESOLUTION
(a) If a dispute arises between the parties, the following procedure applies:
i) Either party may give the other a notice of the dispute. This means that the dispute must be dealt with in accordance with this section;ii) Either party must not commence legal proceedings (except proceedings seeking interlocutory relief) about the dispute unless the dispute has been referred for resolution under this paragraph;iii) Either party must not oppose any application for a stay of any legal proceedings that may be issued in respect of a dispute, pending the completion or termination of the procedure set out in this paragraph;iv) If a dispute is notified, each party must immediately refer the dispute to its senior management. Those representatives must endeavour to resolve the dispute as soon as possible, but at least within 30 days (or other period as agreed between the parties);v) At Our sole discretion, We may elect to resolve any dispute by mediation via the Australian Commercial Disputes Centre (ACDC) before commencing arbitration or litigation. The mediation must be conducted in accordance with the ACDC Guidelines for Commercial Mediation which operate at the time the matter is referred to ACDC. The ACDC Guidelines set out the procedures to be adopted, the process of selection of the mediator and the costs involved. This paragraph survives termination of these Terms;vi) The parties must continue to perform their respective obligations under these Terms, even if a dispute exists (including the referral of the dispute to mediation);vii) The parties must keep all information relating to any dispute confidential for the purposes of dispute resolution, unless otherwise required by law or at the direction of a court of competent jurisdiction. No party may use any information or documents obtained through the dispute resolution process for any purpose other than an attempt to settle the dispute between the parties.
17. TERMINATION
(a) Our termination rights are:
What We can do
We can:
• Suspend or cancel delivery of Goods, Labour Hire and Services or any current Order(s) for the supply of Goods, Labour Hire and Services; and/or
• Suspend or terminate Your Credit Account; and/or
• Require immediate payment of the balance of any Credit Account, invoices or any other amounts due and payable whether or not the Due Date has expired; and/or
• Register a default with any credit reporting agency, where applicable; and/or
• Enforce Our rights under any Security Interest; and/or
• Suspend or terminate the contract created by these Terms
(b) When We can exercise Our termination rights:
When We can do those things
• When You have not paid for Goods, Labour Hire and Services by the Due Date; and/or
• You exceed the limit of Your Credit Account; and/or
• You breach a material term of these Terms; and/or
• Either of the parties suffer a Force Majeure Event which delays or prevents performance of the whole or any part of these Terms; and/or
• You allow distress to be levied or a judgment, order or security to be
When We can do those things enforced, or to become enforceable against Your property including under the PPSA; and/or
• An Insolvency Event occurs.
(c) Otherwise, either party may terminate these Terms:
i) Immediately by written notice if the other party is in breach of a material term of these Terms and the breach is not rectified within 7 days of the termination notice; or
ii) In all other circumstances, by giving the other party 14 days’ written notice.
(d) If a termination notice is given to a party for breach of these Terms, the terminating party may also:
i) recover any of its property and all related data, documentation and records in the possession, custody or control of the party at fault;
ii) recover any sums paid to the party at fault on any account or for services which have not been fulfilled or performed;
iii) subject to any limitation on liability applicable to the party at fault, recover from the party at fault the amount of any loss or damage sustained as a consequence of the termination, including loss of the benefits which the performance of these Terms would have conferred on the terminating party;
iv) be regarded as discharged from any further obligations under these Terms; and
v) pursue any additional or alternative remedies provided by law.
Clause 18 outlines how We deal with the personal information
18. PRIVACY
(a) We may collect personal and credit information in Our dealings with You (or any of Your guarantors) in accordance with Our Privacy Statement, Privacy Policy, Credit Reporting Policy and Statement of Notifiable Matters pursuant to the Credit Reporting Code, the Privacy Act 1988 (Cth), the Privacy (Enhancing Privacy Protections) Act 2012, and the Australian Privacy Principles. You consent to that information being collected. You can obtain a copy of Our Privacy Statement, Privacy Policy, Credit Reporting Policy and Statement of Notifiable Matters by contacting Us in writing or by visiting Our Website.
Clause 19 and 20 outline general information applicable to the Terms
19. GENERAL
(a) Any clauses which are expressed to or are, by their nature, intended to survive expiry or termination of these Terms will survive expiry or termination of these Terms for any reason.(b) A failure to exercise or a delay in exercising any right, power or remedy under these Terms does not operate as a waiver. A single or partial exercise or waiver of the exercise of any right, power or remedy does not preclude any other or further exercise of that or any other right, power or remedy. A waiver is not valid or binding on the party granting that waiver unless made in writing.(c) If any part of these Terms becomes void or unenforceable for any reason, then that part will be severed and, to the extent possible, all remaining parts continue with full force and effect without being affected by the severance of any other parts.(d) These Terms may be executed in any number of counterparts, each of which when executed and delivered constitutes a duplicate original, but all counterparts together constitute one agreement.(e) In addition to any other method of service provided by law, a notice may be sent by prepaid post, facsimile, email or courier to the address of a party as that address set out in the Contract or subsequently notified. A notice has no legal effect unless it is in writing. (f) A notice is deemed to have been delivered and received on the day if by hand, courier, email or fax, or otherwise on the second Business Day after posting.
20. ELECTRONIC COMMUNICATIONS(a) In addition to any other delivery method, You agree to receive Invoices via email.(b) You agree to accept service of notices under the Building and Construction Industry Security of Payment Act 2002 (Vic) as amended from time to time, or any like or similar legislation that may be applicable in the State or Territory where the goods were delivered to You, via e-mail (in addition to any and all other forms of service authorised under the legislation, or regulations made by the Act).(c) You agree that email communications from Us to You consitute an “electronic communication” within the meaning of the Electronic Transactions (Victoria) Act 2000 (“the Act”).(d) You agree that the receipt and service of notices via email is “an information system for the purpose of receiving electronic communications” within the meaning of the Act.(e) You agree that evidence of the “dispatch” (within the meaning of the Act) by Us of an email is also prima facie evidence of the “receipt” of the email by You within the meaning of the Act. Unless the contrary is proven the time of receipt will be deemed to be twenty (20) seconds after the time of the “dispatch” of the email.