Carbon Fix Privacy Policy

Policy Statement and Objective


Carbon Fix has adopted this Policy to ensure that it collects, holds, uses and discloses personal information, credit information, credit eligibility information, credit reporting information in accordance with the APPs and Act.
This Policy applies to all dealings between you and Carbon Fix.

Carbon Fix will maintain and regularly review this Policy and intends to comply with the APPs and the Act. Carbon Fix may notify you about changes to this Policy by posting an updated version on its website. Carbon Fix encourages you to check its website from time to time to ensure you are familiar with its latest Policy.

This Policy will be made available on Carbon Fix website (but may be requested in other forms).  You may also request a printed copy from a branch, which will be provided free of charge and within a reasonable timeframe.

Definitions


Act means the Privacy Act 1988 (Cth).

APPs means Australian Privacy Principles set out in Schedule 1 of the Act.

Carbon Fix means Carbon Fix Limited (ABN 69 645 209 258) and its related bodies corporate as defined by the Corporations Act 2001 (Cth).  This Policy does not extend to any related bodies corporate who have a separate policy dealing with privacy.
Government related identifier has the same meaning as in the Act.

Joint Ventures and Services Partners means entities for whom Carbon Fix distributes products or services to clients on an exclusive or preferential basis as part of its general service offering and to whom Carbon Fix is required to provide Personal Information in order for them to manage those products or services for you. 

Personal information has the same meaning as in the Act.

Sensitive information has the same meaning as in the Act.

Service Provider means any third party that Carbon Fix engage (or enter negotiations with a view to engaging) to provide services to support the Carbon Fix business.\ has the same meaning as in the Act.

Policy

PART 1 – CONSIDERATION OF PERSONAL INFORMATION PRIVACY


‘Personal Information’ is defined in the Act to mean any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not.

Carbon Fix collects personal information which is reasonably necessary to:

  • consider applications for projects;
  • maintain your account and contact details;
  • process transactions to which you are a party;
  • advertise, promote and provide you with products or services distributed by Carbon Fix; and
  • improve website and web services.*

*When you visit the Carbon Fix website, our internet Service Provider records the following information: your IP address; the date, time and duration of your visit; the number of pages you have downloaded; and the type of browser you use.  Google analytics demographic and interest reporting may be used to develop specific offers or advertising from time to time.

Carbon Fix may ask for personal, business and contact details along with financial information (including details of assets and liabilities).  Carbon Fix may also ask you for your bank account details.  Carbon Fix will generally do this by asking you to complete an application form.  Carbon Fix may also ask you for this or similar information personally.

Such information will only be collected by lawful and fair means.  Information collected will be held either in hard copy or electronically.


Anonymity and pseudonymity


Carbon Fix will allow its customers to transact with it anonymously or by using a pseudonym, wherever that is reasonable and practicable.

However, this will not be possible if Carbon Fix is required or authorised by Australian law or other instrument (such as an order of a court or tribunal) to deal with customers who have been appropriately identified or where it is impracticable for Carbon Fix to deal with individuals who have not identified themselves or who would prefer to use a pseudonym.  Examples of this impracticality include:

  • when you transact using your Carbon Fix account;
  • when you buy prescribed products and the law requires Carbon Fix to maintain a register of purchasers; and
  • where you are contracting with a third party (for example, when you enter a contract to sell livestock or real estate).

PART 2 – COLLECTION OF PERSONAL INFORMATION


Collection of solicited information


Carbon Fix will only collect personal information from you if it is reasonably necessary to provide goods or services to you (including on credit) or undertake ancillary functions for you.  Carbon Fix will only collect information for the purposes for which Carbon Fix advised you it was collecting it for, or a related purpose which would reasonably be expected, or otherwise with your permission.  For example, Carbon Fix may from time to time use your personal information to provide information about products, services, promotions and campaigns which it expects may be of interest to you.  Generally, Carbon Fix collect personal information through account opening/application forms, contracts to which you are a party, and other forms completed by you when dealing with Carbon Fix (including when participating in a promotion or competition).  

Carbon Fix may also collect your information to do one or more of the following:

  • enter into a carbon project;
  • process transactions on your behalf;
  • notify you of any products or services distributed by Carbon Fix that may be of interest to you (including products or services offered by Joint Ventures and Service Partners);
  • register any security interest Carbon Fix may have in connection with your credit account on the Personal Property Securities Register or another security register;
  • enable Carbon Fix to meet its obligations under certain laws or pursuant to court documents (subpoenas or orders) that are served on Carbon Fix;
  • any purpose for which the information was requested and any directly related purpose; or
    developing, improving and marketing products and services.


Any disclosure (if any) will only occur by lawful means.

Carbon Fix will generally not be required to collect sensitive information about you.  Carbon Fix will only do so if it is considered reasonably necessary for Carbon Fix to collect such information for Carbon Fix to perform its functions or activities and you consent, or another circumstance is provided for that enables that to occur (such as collection is required or authorised under an Australian law or by order of a court/tribunal).

Our website uses cookies to analyse website traffic and help provide a better visitor experience.  A cookie is a text file containing small amounts of information which is downloaded to your device when you access a website.  This information may include your internet protocol (IP) address, information and actions taken on the site including details about when you accessed the site.  The text file is sent back to Carbon Fix’ server each time your browser requests a page from the server.  Information generated by cookies about the use of the website may be transferred to, and stored by, a web analytics service from a Service Provider to help improve online services.  A Service Provider may be based overseas.  You can configure your browser to reject cookies, but this may affect the functionality of the website.


Dealing with unsolicited personal information


If Carbon Fix receives personal information about you from a source other than you, or it is information provided by you which Carbon Fix did not request, Carbon Fix will determine, within a reasonable period, if it could have collected such personal information under APP 3.  If Carbon Fix determine that it could have collected the information under APP 3, Carbon Fix may then use, and treat, that information as if it had collected the information in that manner.  If Carbon Fix determines that it could not have collected the information under APP 3 and so long as it is lawful and reasonable to do so, it will destroy or de-identify that information as soon as practicable.

Notification of the collection of information


When Carbon Fix is collecting personal information and credit information about you, Carbon Fix will take reasonable steps to notify you, either at or before the time of, or as soon as reasonably practicable after, collection why Carbon Fix is collecting such information (which may have already been outlined in a contract with you).  This is particularly relevant if Carbon Fix collect information about you from someone other than yourself.  For example, Carbon Fix may receive personal information about you from a credit reporting agency.

Carbon Fix will also take steps that are reasonable in the circumstances to, among other things, make it clear to you if it is required to collect such information by reason of an Australian law or some other legal instrument (such as a court or tribunal order), why it is collecting such information and the potential consequences for you if such information is not collected.

PART 3 – DEALING WITH PERSONAL INFORMATION


Use or disclosure of information


Carbon Fix collects personal information from you for a specific reason as described in APP 3.  This is referred to as the primary purpose.  Carbon Fix will not use or disclose the collected information for a secondary purpose unless you consent to Carbon Fix doing so, or under the circumstances involved, Carbon Fix believe you would reasonably expect Carbon Fix to use or disclose the information for a secondary purpose related to the primary purpose.

In the event that Carbon Fix hold sensitive information about you, Carbon Fix will only use or disclose that information with your consent or if the use or disclosure is otherwise permitted under the APPs or the Act, such as where the use or disclosure is directly related to the primary purpose and within your reasonable expectations.

Carbon Fix may also disclose your personal information or sensitive information if it is required to do so by an Australian law, by order of a court or tribunal or if Carbon Fix reasonably believes that the use or disclosure of the information is reasonably necessary for an enforcement related activity, by or on behalf of an enforcement body, in which case Carbon Fix will make a written note of the use or disclosure.  A disclosure may also be made where a permitted general situation or permitted health situation exists as provided for in the APPs.

Carbon Fix uses Service Providers to provide services to support Carbon Fix’ business.  These Service Providers may perform services or assist to provide services to you, by handling your personal information on Carbon Fix behalf or by using their own affiliates to provide these services.  For example, Carbon Fix engages Service Providers to provide IT services, cloud storage, workforce management software services, vehicle fleet management services and website analytics services.  Carbon Fix’ Service Providers may need to access your personal information in connection with providing these services.  The Service Providers may be based in Australia or in countries overseas, including in India, Canada and Ireland.

Carbon Fix only discloses your personal information to Service Providers in accordance with this Policy and the Act.  Carbon Fix does not authorise use or disclosure of your personal information for any other purposes other than in connection to the provision of the services provided to us.


Direct marketing


Carbon Fix will only use personal information collected for the purpose of direct marketing where Carbon Fix:

  • collected the information;
  • believes you would reasonably expect Carbon Fix to use or disclose the information for direct marketing; and
  • provide an option for you to request that Carbon Fix do not use the information for direct marketing – and you have not taken up this option.


If Carbon Fix collected the information involved from you and you would not reasonably expect Carbon Fix to use or disclose the information for the purpose of direct marketing, or collect the information from someone other than you, Carbon Fix will only use or disclose the information with your consent or where it is impracticable to obtain your consent.  Either way, a simple means will be provided to you by which you may request not to receive direct marketing communications from Carbon Fix.

When Carbon Fix uses or discloses any personal information collected for direct marketing purposes, those materials will provide you with an option to declare you do not wish to receive such material in the future.  If requested, Carbon Fix will provide you with the source of any information used or disclosed for direct marketing purposes, whether that direct marketing be by Carbon Fix or another organisation.  Carbon Fix will also provide you with the opportunity to request that it, or the other organisation, does not send direct marketing information to you.  Carbon Fix will not charge for that request and will action it in a reasonable time frame.  You may also request that Carbon Fix not use or disclose information to facilitate direct marketing by other organisations.
Cross-border disclosure of information
The Service Providers used to support the Carbon Fix business (including to handle personal information on Carbon Fix behalf where required or for complimentary software to support business functions) may be based in Australia or in countries overseas, including in India, Canada and Ireland.  Where possible, Carbon Fix will take reasonable steps in the circumstances to ensure overseas recipients comply with the Act, or any corresponding law in the relevant jurisdiction, when handling information and have precautionary measures in place to protect your information from misuse, interference, loss and unauthorised access, modification or disclosure.  This includes credit eligibility information received.

Carbon Fix will only transfer personal information about an individual to someone (other than a member of Carbon Fix or the individual) who is in a foreign country if Carbon Fix reasonably believe that the recipient of the information is subject to a law or binding scheme substantially similar to the way in which the APPs protect the information and there are mechanisms that can be used to take action or enforce those laws or binding scheme.  Carbon Fix may also transfer personal information cross-border if you specifically consent to Carbon Fix doing so, or Carbon Fix are required to do so under Australian law or an order of a court or tribunal, a permitted general situation exists, or Carbon Fix are required or authorised by or under an international agreement relating to information sharing to do so.  Otherwise, Carbon Fix will take reasonable steps under the circumstances to ensure that the overseas recipient does not breach the APPs in relation to the information.


Adoption, use or disclosure of government related identifiers


Generally, Carbon Fix does not use government related identifiers.  Carbon Fix will not use or disclose a government related identifier unless the use or disclosure of the identifier is:

  • reasonably necessary for Carbon Fix to be able to verify your identity for the purposes of Carbon Fix activities or functions; or
  • reasonably necessary for Carbon Fix to fulfil any obligations it may have to a government agency or a State or Territory authority; or
  • required or authorised by or under an Australian law or order of a court or tribunal; or
  • where a permitted general situation exists in relation to the use or disclosure of the identifier.

Carbon Fix may use or disclose such an identifier if it is reasonably necessary for an enforcement related activity by, or on behalf of, an enforcement body.  Carbon Fix may also use or disclose a government related identifier related to you if that is prescribed for by regulation.

PART 4 – INTEGRITY OF PERSONAL INFORMATION

Quality of information


Carbon Fix will take steps as are reasonable in the circumstances to ensure that the information it collects from you is accurate, up-to-date and complete.  Where information is collected from you directly, Carbon Fix rely on you to supply accurate information and it may not consider that further steps are required.  Carbon Fix will also ensure that steps as are reasonable in the circumstances to ensure that the information it collects, uses or discloses are, when considered in relation to the purpose for which Carbon Fix are using or disclosing the information, accurate, up-to-date, complete and relevant.


Security of information


Carbon Fix will take all steps reasonable under the circumstances to protect your information from misuse, interference, loss and unauthorised access, modification or disclosure.  If Carbon Fix no longer require the holding of information, it will take all reasonable steps under the circumstances to destroy or de-identify the information.  However, Carbon Fix may retain documents that contain information in accordance with document retention practices and requirements under Australian law or any order of a court/tribunal.  For example, Carbon Fix may retain copies of contracts to which you are a party, even though the contracts may contain personal information about you.  Similarly, personal information provided for the purposes of establishing or varying the terms of a trading account will be retained on file for document retention purposes.

Carbon Fix, as a large Australian business, operates through several different entities and has relationships with various suppliers of goods, software and the like.  This includes some Service Providers who may be offshore such as those providing cloud storage or IT servers.  Carbon Fix will take reasonable steps with respect to information to ensure that any information collected, held, used and disclosed will comply with the Act and any corresponding law where information is collected, held, used or disclosed offshore.

PART 5 – ACCESS TO, AND CORRECTION OF, INFORMATION

Access to information


You can request access to the personal information that Carbon Fix holds about you by contacting the Carbon Fix Privacy Officer whose details are set out below.  Carbon Fix may need to verify your identity to provide you with access and consider whether any exceptions to access apply.

In relation to requests to access information, Carbon Fix will generally provide you with access to your information on request, unless:

  • giving access would be unlawful; or
  • denying access is required or authorised by or under an Australian law or a court/tribunal order; or
  • giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body.


Where Carbon Fix provides you with access to your personal information it will do so within a reasonable time after receiving your request and in the manner requested by you (if it is reasonable and practicable for Carbon Fix to do so).  Carbon Fix may charge a reasonable fee for giving access to the information.

If Carbon Fix determines not to release information to you, it will provide you with written notice setting out the reasons for refusal and your review options.


Correction of information


If Carbon Fix determines that information held is inaccurate, out-of-date, incomplete, irrelevant or misleading, or you request Carbon Fix to correct the information (or any CRB derived information), it will take all such steps as are reasonable in the circumstances to correct the information held, after considering the reason why Carbon Fix hold the information, and to make sure it is accurate, up to date, complete, relevant and not misleading.  If Carbon Fix had disclosed the original information to a third party or you request Carbon Fix to advise another party, Carbon Fix will take all reasonable steps to update that other party unless it is impracticable or unlawful to do so.  Unless required not to by law or it is impracticable to do so, Carbon Fix will provide you with written notice within a reasonable period as to any correction made to information.

If Carbon Fix refuse to correct the information held, Carbon Fix will provide you with written notice as to the reasons for refusal, how you can complain about Carbon Fix refusal and any other matter Carbon Fix may be required to advise you about in the circumstances.  If Carbon Fix have refused to correct information held, you may request Carbon Fix associate a statement from you, with the information held, that you believe that the information held is inaccurate, out-of-date, incomplete, irrelevant or misleading.  If such circumstance arises, Carbon Fix will take all reasonable steps under the circumstances to associate any such statement.
If Carbon Fix receives a request from you to correct information held by us, Carbon Fix will respond to that request within a reasonable period after receiving the request.  Carbon Fix will not charge for your request, the correction of information or associating a statement.


Privacy – Enquiries, Requests, Complaints, Breaches


Enquiries regarding this Policy or the information Carbon Fix may hold on you, should be addressed to the Privacy Officer, whose contact details are below.

If you have any enquiries, requests, complaints or breaches to report about the collection, holding or management of your information, please contact the Privacy Officer via the contact details set out below so that Carbon Fix may attempt to resolve the issue with you quickly and directly.

Carbon Fix CEO Contact Details

Email: Nigel@Carbonfix.au
Phone: 0402271412
Mail: 65, Goulburn Street, Crookwell, NSW 2583

If Carbon Fix are unable to resolve the matter to your satisfaction, you may wish to contact the Office of the Australian Information Commissioner via:

Phone: 1300 363 992
Mail: Box 5218, Sydney NSW, 2001OAIC website

Our Privacy Policy was last updated on 14 October 2024.