Overview
This policy applies to all personal information and credit information collected by Revra. Revra understands the importance of protecting the privacy of your personal information and credit information. This policy sets out how Revra collects, holds, uses, discloses and handles your personal information and credit information and your rights in relation to your personal information and credit information managed by Revra.
You must ensure you understand this Policy
It is your responsibility to ensure that you understand this Privacy Policy. By using Revra’s services, you agree to the terms of this Privacy Policy. If, at any time, you do not agree with any of this Privacy Policy, you must stop using Revra’s services. By using Revra’s services, you will be deemed to have understood and accepted this Privacy Policy.
Amendments to Privacy Policy
Revra may update its Privacy Policy from time to time by publishing changes to it on its website. Revra recommends that you to check Revra’s website periodically to ensure that you are aware of its current Privacy Policy.
Privacy Act
Revra is bound by the Privacy Act 1988 (Cth) (Privacy Act) and the 13 Australian Privacy Principles in the Privacy Act.
Consent
By providing your personal information and credit information to Revra you consent to Revra collecting, holding, using, disclosing and otherwise handling your personal information and credit information in accordance with this policy.
You do not have to provide any personal information and credit information to us, however if you do not do so Revra will not be able to provide Revra’s services to you, or consider your application for employment with Revra.
What Kind of Personal Information and Credit Information Does Revra Collect?
Revra may collect the following types of personal information:
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Your contact details, including your first and last name, email address, mobile number, mailing or street address
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Date of birth
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Billing related information, including your bank account and credit card details
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Any personal information contained in any requested identification
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Photographs and other audio-visual information
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A copy of your bank statement, which may include your name, address and financial information
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Any information you provide via Revra’s website, email or over the phone
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Details relating to current and past employment.
Revra may also collect and use credit information, including credit eligibility information, including:
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Identification information
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Credit history;
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Credit liability information
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Information about overdue payments and serious credit infringements
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Reports on your credit-worthiness
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Debt repayment history
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Default information
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Bankruptcy and credit-related court judgments
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Any other credit information that may be required to ascertain your suitability to be a Revra customer.
How Does Revra Collect Your information?
Revra may collect your information directly from you. This collection may take place through various means including (but not limited to):
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In person
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Telephone
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Email or letter correspondence
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Social media
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Any identification provided
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Revra’s website
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Surveys and/or questionnaires in connection with Revra’s services
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Completed and uncompleted online application forms
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When you undertake any monetary transactions with us in relation to Revra’s services
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Cookies (for further information on cookies, see below).
Revra may also collect your information from credit reporting bodies, credit providers and third-party collection agencies when Revra’s conduct a credit check on you, in which case it will collect your personal and credit information.
If you provide any other person's personal information to us, you must ensure that they have consented to their personal information being provided to us for the relevant purposes set out in this Privacy Policy (for example participation in a nu mobile competition).
Cookies
Revra may use data collection devices such Cookies may provide Revra with information about your computer’s IP address, the date and time of your visit, and the resources or information you have accessed. This information assists Revra in monitoring and improving how its online resources are being used. In particular, Revra may use information obtained through cookies to tailor information made available to you and make your visits easier, more productive and more efficient.
While cookies do not generally collect personally identifiable information, in some circumstances they may enable Revra to identify you. As with any information Revra collects about you, any personal information obtained through the use of cookies will only be used for the purposes set out in this policy. You will always have the option of disabling cookies through your browser preferences.
Why Does Revra Need Your Personal information and Credit Information?
Revra may collect, hold, use, disclose and handle your personal information and credit information for the following reasons:
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To offer and providing its services
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To carry out its business and operations
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To send you communications
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To conduct research
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To send you marketing materials
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To verify your identity
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To administer promotions
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To undertake credit checks to ascertain your suitability to be a Revra customer
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To register defaults regarding debts owed to Revra
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To undertake risk assessment and management, reporting and fraud prevention.
Who Does Revra Disclose Your Personal information and Credit Information To?
Revra may disclose your personal information and credit information to:
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Third parties engaged to perform administrative, promotional, information technology
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Third parties engaged to store personal information and credit information collected by Revra
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Third parties engaged to perform marketing services
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Credit reporting bodies, credit providers and third-party collection agencies
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Third party payment system operators
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Third parties if disclosure is required or authorised by law.
Such a disclosure will always be on a confidential basis.
In addition to the above, please note that a credit reporting body may include any of your personal or credit information, disclosed to it by us, in reports provided to other credit providers to assist them in assessing your creditworthiness.
Disclosure of information outside Australia
Revra may disclose personal information and credit information to overseas recipients engaged to perform administrative, promotional, information technology or other services. This may include cloud service providers, software providers, and third party payment system operators.
When you provide your personal information to us, you consent to the disclosure of your information outside of Australia and acknowledge that Revra is not required to ensure that overseas recipients handle that personal information in compliance with Australian Privacy Law. Before disclosing any personal information and credit information to an overseas recipient, Revra will however take steps reasonable in the circumstances to ensure the overseas recipient complies with the Australian Privacy Principles or is bound by a similar privacy scheme to the Australian Privacy Principles.
Opt Out
In the event you do not wish to receive communications about products and services from Revra, you can opt-out by contacting Revra via support@revra.com.au or by calling +61 2 6018 3900 or through any opt-out mechanism contained in a communication. Opting out of receiving such communications will be free of any charge.
Security of Your Personal information and credit information
Revra may hold your information in either electronic or hard copy form. Revra takes reasonable in the circumstances to ensure that the personal information and credit information it holds is protected from misuse, interference and loss, and from unauthorised access, modification or disclosure. However, as the transmission of information across the internet is not completely secure, Revra cannot guarantee the security of information provided via online means. Any such transmission is at your own risk.
Can You Access and Correct the Personal information and credit information that Revra Holds About You?
You may access and/or seek correction of your personal information and credit information that is collected and held by Revra.
If at any time you would like to access or correct the personal information and credit information that Revra holds about you, or you would like more information on Revra’s approach to privacy, please contact Revra via support@revra.com.au or by calling +61 2 6018 3900.
To obtain access to your personal information and credit information:
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you will have to provide proof of your identity. This is necessary to ensure that personal information and credit information is provided only to the correct individuals and that the privacy of others is protected; and
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Revra requests that you be reasonably specific about the information you require.
You will not be charged for the making of a request to access your personal information and credit information or correcting your personal information and credit information.
If Revra refuses your request to access or correct your personal information and credit information, Revra will provide you with written reasons for the refusal and details of complaint mechanisms.
How to Contact Us
For further information or enquiries regarding your personal information and credit information held by Revra please contact Revra via support@revra.com.au or by calling +61 2 6018 3900.
Privacy Complaints
At all times, privacy complaints submitted to Revra:
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will be treated seriously
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will be dealt with promptly
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will be dealt with in a confidential manner
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will not affect your existing obligations or affect the commercial arrangements between you and Revra.
Revra will commence an investigation into your complaint. You will be informed of the outcome of your complaint following completion of the investigation.
In the event that you are dissatisfied with the outcome of your complaint, you may refer the complaint to the Office of the Australian Information Commissioner (oaic.gov.au).
