These are the entire Terms and Conditions of Sale of all Goods supplied by KVM Australia Pty Ltd ACN 086 417 405 ABN 80 086 417 405 and its associated, related, subsidiary and parent companies, successors and assigns (“the Supplier”).
Clause 1 is a glossary to help the parties understand certain words in the Terms
1. DEFINITIONS AND INTERPRETATION
Additional Expenses means any duties, fees, taxes (including GST), imposed by these Terms, including delivery and freight charges, site allowances, merchant and other payment related fees, installation fees, and storage fees.
Credit Account means the approved commercial account You have with Us to purchase Goods on credit pursuant to these Terms, or the number of trading days listed on Our invoice.
Customer means any person, firm or company placing an Order with Us for the purchase of Goods pursuant to these Terms, including Your associated, related, subsidiary and parent companies, successors and assigns (all of which are referred to as “You” and “Your”).
Deposit means the upfront part-payment for the Goods, the amount of which is determined by Us from time-to-time.
Due Date means the date listed on Our invoice for Your payment of Goods.
Force Majeure means something outside a party’s reasonable control, including war, strikes, lockouts, epidemics and pandemics, industrial disputes or civil unrest, government restrictions or intervention, transport delays, fire, act of God, storm or flood, theft and vandalism.
Goods means any goods, products, equipment, merchandise, solutions and associated services supplied by Us to You pursuant to any Quote, Order and/or these Terms, including KVM and AV technology.
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.
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 a request to purchase Goods that is placed by You.
PPSA 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 the PPS Act.
Quote means Our written description of the Goods to be supplied to You, which is valid for 14 days.
Site means any place at which You request Goods to be supplied.
Supplier means the entity or entities specified in these Terms as supplying Goods and/or Services to You and includes any associated, related, subsidiary and parent companies, successors and assigns (all of which are referreas “Us”, “We” and “Our”).
Terms means these Terms and Conditions of Sale, including any special terms and conditions that We list on Your Quote.
Website means www.kvm.com.au as redirected from time to time.
In these Terms:
(a) A Business Day is any day except Saturday, Sunday or a public holiday in the location where the Goods 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;
(g) a reference to ‘including’ does not convey any limitation and should be interpreted as if the word ‘without limitation’ also appear; and
(h) 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.
Clauses 2 and 3 outline the framework of the Terms, including our relationship, the governing law and how to make changes to the Terms
2. THIS AGREEMENT AND OUR RELATIONSHIPS
(a) These are the entire terms and conditions for sale of all Goods supplied by Us to You. Except where special terms and conditions are listed by Us on any Quote, these Terms apply notwithstanding any provisions to the contrary which may appear on any other document.
(b) You warrant that You have obtained all the necessary authorisations to enter into and perform the contract created by these Terms. You warrant that any person signing these Terms or instructing Us as to the Goods has Your authority and power to do so.
(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 supplying Goods.
(d) You engage Us to provide Goods 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) These Terms are interpreted according to the laws of the State or Territory as We may determine in Our sole discretion. Proceedings by either party may be commenced and/or continued in the State or Territory We determine in Our sole discretion. If We do not make any determination, You consent to any proceedings being commenced and heard by a Court in the State of Western Australia applying the laws of that State.
3. CHANGES AND UPDATES TO THESE TERMS
(a) From time-to-time, and at any time, We may update or alter these Terms. Any updated or altered Terms will apply from the date of alteration. A copy of current Terms can be found on Our website or by requesting a copy from Us.
(b) We will endeavour to notify You of any updated or altered Terms. However, there is no obligation whatsoever on Us to notify You of updated Terms and You agree that You must regularly inspect Our website for any updated Terms.
(c) You must notify Us in writing of any material change to Your organisation, including a change of director, bank account details or change of address.
(d) We may assign and transfer all or any of Our title, estate, interest, benefit, rights, duties and obligations in these Terms to any person, provided that the assignee agrees to assume any of Our duties and obligations owed to You in these Terms.
(e) You must not assign, transfer, charge, encumber or otherwise deal with any of Your rights and obligations under these Terms, or attempt or purport to do so, without Our prior written consent.
Clauses 4 - 6 deal with purchasing from Us, including prices, orders, supply, risk and ownership
4. PRICES, QUOTATIONS AND ORDERS
(a) You may purchase Goods by placing an Order with Us verbally or in writing. You warrant that the person who places the Order is authorised by You to do so.
(b) Orders may be subject to minimum amounts as determined by Us in Our sole discretion from time-to-time.
(c) We may accept or decline any Order by notifying You in writing, by delivering the Goods to You or supplying any services. The parties agree that these Terms apply to all Orders for the supply of Goods.
(d) We may ask You to pay a Deposit upon receipt of a Quote from Us. If We ask You for a Deposit, We will not be deemed to have accepted Your Order until payment of the Deposit has been made. The balance price of the Order must be paid on delivery of Goods or completion of the Services, or as otherwise directed by Us.
(e) We may issue a Quote to You, but a Quote is not an offer by Us to supply Goods to You. We may vary or cancel any Quote before an Order is accepted.
(f) All Quotes expire on the date stated on the Quote or otherwise 14 days after the date that We issue the Quote. We may vary or cancel any Quote before an Order is accepted.
(g) You may only cancel an Order within 24 hours of placing the Order without incurring any cancellation fees. You cannot cancel an Order after 24 hours of acceptance without Our written consent and at Our absolute discretion, otherwise You may be subject to cancellation fees or required to make full payment of your Order.
(h) If You are a Customer who does not have a Credit Account, We will not be deemed to have accepted Your Order until payment has been made in full.
(i) Our prices are subject to change without notice to You. You will be charged in accordance with the price that is current at the time You place Your order.
(j) Unless the parties agree differently in writing, the price You must pay for Goods is specified in Our invoice and may include Additional Expenses.
5. SUPPLY AND DELIVERY
(a) Specifications for the Goods being supplied under these Terms are contained in the Order/s You submit from time-to-time.
(b) To supply Goods to You, We may:
i) make the Goods available for Your (or Your agent’s) collection;
ii) deliver the Goods to You; or
iii) deliver the Goods by a third-party carrier and deliver by instalments. We may appoint an agent to perform Our obligations of delivery under these Terms at any time.
(c) Delivery may attract Additional Expenses that we determine from time-to-time and You agree to those Additional Expenses.
(d) You authorise Us to deliver Goods to the Site nominated by You. You also authorise Us to leave any Goods at this Site whether or not any person is there to accept delivery.
(e) 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 of Your acceptance of the Goods delivered.
(f) You must provide a suitable and safe Site for Us to deliver the Goods, including a Site that is compliant with occupational health and safety legislation and fully insured for Our (or Our agents, employees or contractors) safe use.
(g) All delivery times indicated by Us are estimates only. Delivery times are subject to Goods being available and Our reasonable ability to supply Goods 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.
(h) Delivery of the Goods is deemed to occur (and Our obligation is thereby discharged) 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.
(i) 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.
(j) You agree to examine the Goods immediately on delivery.
(k) We are not liable for any Loss suffered by You whatsoever after delivery of the Goods to You.
(l) 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 Site or the nature of the Goods being delivered;
iii) Any unexpected labour, permit, licence or additional costs in connection with the delivery.
(m) Entry onto Our premises is at Your own risk (including 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.
6. RISK AND OWNERSHIP
(a) Unless the parties agree differently in writing, all risk in the Goods passes to You when the 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).
(b) 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.
(c) Until legal ownership of 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.
(d) You may resell any Goods 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.
(e) 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.
(f) You must insure the 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 ownership in the Goods passes to You.
Clauses 7 - 9 outline how we get paid for Services, including making payment, credit accounts and our security for payment
7. PAYMENT AND CREDIT
(a) Unless the parties agree differently in writing, You must pay for Goods on or before the Due Date.
(b) All amounts payable by You for Goods are inclusive of GST (unless expressly stated otherwise). You must pay Us GST imposed on any supply of Goods made under these Terms. Payment of any GST must be made at the same time as payment for the Goods.
(c) At Our discretion, We may require payment (including part payment) for the Goods before any Order or Quote is processed and fulfilled.
(d) If You believe You have a set-off or claim against Us (including any query, dispute or claim), You cannot withhold any payment on that basis without Our prior written consent.
(e) Payment must be made in a manner approved by Us, including cash, credit card, cheque or direct deposit.
(f) We may charge You a reasonable bank processing fees, including surcharges for processing payments made by credit card, dishonour handling fees, and any other bank processing fees at amounts advised by Us from time to time.
(g) If You do not pay for Goods by the Due Date, We may:
i) Charge You interest on all overdue accounts 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. Or We may charge You a late payment fee calculated as 10% of the amount of the Invoice. The parties agree that this interest or late payment charge is not a penalty, but a true measure of damages incurred by Us;
ii) Require You to pay cash on delivery of any further Goods, or suspend or cease supplying Goods to You;
iii) Demand Your immediate payment of all outstanding monies;
iv) Credit any payments received from You first against any interest charges and costs and all such charges will be payable on demand; and
v) 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.
(h) You may apply for a Credit Account with Us to purchase Goods.
(i) 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.
(j) 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.
(k) 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.
(l) 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 accepting any further Orders.
(m) You authorise Us to debit Your Credit Account with the price of Goods supplied to You and all other amounts owed by You to Us (including Additional Expenses and interest payable under the Contract).
(n) 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.
(o) Time is of the essence in relation to this section. This section survives expiry or termination of these Terms.
8. SECURITY OVER REAL ESTATE
(a) To secure payment of all monies, You owe Us for the supply of Goods, 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 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.
9. PERSONAL PROPERTY SECURITIES ACT 2009 (CTH)
Security for Goods Supplied
(a) You acknowledge and agree that 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 sale of the Goods to secure payment for the Goods supplied (“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 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 Goods 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 pursuant to the PPSA; and
iv) Enabling Us to exercise and maintain any of 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 or any other agreement between the parties.
Clause 10 outlines how to deal with issues that may arise, including returns
10. RETURNS
(a) Unless We agree otherwise in writing, We are not required to accept returned Goods from You or issue You with a credit for Goods. Our consent to return Goods will not be unreasonably withheld, however only Goods which are returned within the terms of this section will be accepted.
(b) If You think any Goods are defective, damaged, missing or misdelivered, You must:
i) Notify Us of any complaint in writing within 30 days of delivery/collection of the Goods; and
ii) Obtain a return authorisation number from Us, which is valid for 7 days from the date of issue.
(c) Any complaint under this section must be accompanied by:-
i) Proof of purchase;
ii) Your return authorisation number displayed on the shipping label of the Goods;
iii) Written details of the alleged defect or reason for the return, including photographs;
iv) Appropriate documentation (such as installation and maintenance records).
(d) You must allow Us or Our authorised representatives access to the Goods or Site for inspection.
(e) 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 defects) if You do not make a complaint in accordance with these Terms.
(f) If We agree to accept Goods by return or provide You with a credit, You must provide Your proof of purchase for the Goods being returned.
(g) We may charge You reasonable restocking, disposal or repacking charges which We incur from the Goods being returned.
(h) Goods which are already installed, custom built, or not in original or resaleable condition cannot be returned, including Goods which are not in their original shipping cartons.
(i) You are responsible for any Additional Expenses associated with any return of Goods.
(j) Credits may only be redeemed against future orders and are subject to Our minimum order policy. No cash refunds will be issued for credits.
Clauses 11 – 13 outline the exclusions, limitations of liability and indemnities applicable to each party under these Terms
11. WARRANTIES 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 or excludes the conditions, warranties, and undertakings and other legal rights under the Act and other laws.
(b) Goods which are not manufactured by Us are subject solely to the warranties (if any) specified by the third-party manufacturers or suppliers to Us. To the extent permitted by law, We give no warranties beyond the third-party manufacturer or supplier warranties.
(c) You acknowledge that We make no representations or warranties as to the fitness or suitability for any purpose of any of the Goods (whether express or implied and even if that purpose is made known to Us) and You agree that You have not relied on any inducement, representation or statement made by or on behalf of Us in purchasing the goods. You are responsible for ensuring that the Goods are suitable for Your intended use.
(d) No sale under these Terms constitutes a sale by sample. You acknowledge that any sample may vary from the goods that are produced.
(e) No sale under these Terms constitutes a sale by description. Any description of goods is by way of identification only.
(f) Except as expressly set out in the Act, these Terms or a separate warranty document, any other warranties, implied conditions or other representations under or in connection with these Terms are excluded and Our liability in respect thereof is limited to the fullest extent permitted by law.
12. LIMITATION OF LIABILITY
(a) If We are lawfully allowed to limit our liability to You in respect of the Goods, then Our liability to You is limited to Our choice of:
i) re-supply of the Goods; or
ii) the cost to replace the Goods with equivalent Goods; 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.
(b) 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 and/or Services supplied by Us (to the extent that is permitted by law).
(c) We are not liable to You for any loss of pro?ts, 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.
(d) We will not be liable to You if:-
i) Goods have not been paid for;
ii) Goods have been abused, misused or neglected by You;
iii) We cannot establish any defect in the Goods after inspection;
iv) You have used the Goods other than for the purposes for which they were designed, including for an illegal purpose;
v) Goods have been repaired, altered or modified by someone other than Us;
vi) Goods have been subject to abnormal conditions, including environment, temperature, water, fire, humidity, pressure or other stress; and
vii) A defect has arisen due to Your failure to assemble, use, handle and maintain the Goods in accordance with Our care and maintenance recommendations or industry-accepted standards;
(e) Neither party will be liable for any breach of these Terms which is wholly or partly caused by a Force Majeure event. This exclusion does not affect Your continuing obligation to pay for Goods and any Additional Expenses.
13. 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 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) Specifically, You must indemnify Us 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 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 and supply of Goods;
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 Your (or Your agent, employee, contractor or other representative’s) attendance at Our premises or the Site;
vi) Any and all Loss arising out of Your failure to provide a safe, suitable and compliant Site for Services (including any personal injury or death) except to the extent that We have committed an act of negligence, breach of the law or breach of the Terms;
vii) 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 14 and 15 deal with the end of these Terms, including resolving disputes or termination if applicable
14. 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.
15. TERMINATION
(a) Our termination rights are:
What We can do
We can by written notice:
· Suspend or cancel supply of Goods or any current Order(s) for Goods; 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
(“Our Termination Rights”)
(b) We can exercise Our Termination Rights immediately when:
When We can exercise Our Termination Rights
· You have not paid for Goods 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 enforced, or to become enforceable against Your property including under the PPSA;
· You engage in illegal activity related to the Services;
· You engage in conduct which, in Our reasonable opinion, may damage Our goodwill or reputation; 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 14 days of the termination notice; or
ii) In all other circumstances, by giving the other party 30 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 equipment, property, goods, materials 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.
Clauses 16 – 18 provide general information applicable to the Terms, including how we handle Your personal information
16. PRIVACY
(a) We may collect Your 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.
17. GENERAL
(a) If You are the trustee of a trust, You acknowledge and agree that You are liable under these Terms as trustee of the trust and personally in Your own right.
(b) 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.
(c) 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.
(d) If any provision (whole or part) of these Terms is or becomes invalid, illegal or unenforceable, it will be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If modification is not possible, the relevant provision (whole or part) will be deleted. Any modified or deleted provision will not affect the validity and enforceability of the rest of these Terms.
(e) 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.
(f) 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.
(g) 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.
18. 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 2021 (WA) 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 constitute an “electronic communication” within the meaning of the Electronic Transactions Act 2011 (WA) (“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.
Version: October 2021
This Privacy Statement, Privacy Policy, Credit Reporting Policy and Statement of Notifiable Matters is applicable in Australia and sets out the privacy, credit and personal information policy of KVM Australia Pty Ltd ACN 086 417 405 ABN 80 086 417 405 and its associated, subsidiary and parent companies, divisions, successors and assigns that conduct business in Australia (all of which are referred to in this document as “KVM”)
Privacy Statement
Privacy Laws
KVM is 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
KVM is 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.kvm.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:
- Providing you with our products and services and/or information about our products and services;
- Assessing applications for commercial credit and guarantee documents;
- Assessing applications for employment (where applicable);
- Administering our business activities;
- Communicating with you by telephone, email, SMS or mail;
- Managing and researching the products and services that we supply;
- Managing, servicing and reviewing accounts, including overdue accounts;
- Managing client payment information, including credit card information and bank account details;
- Distributing articles or publications to you;
- Investigating any complaints; and
- Insurance and debt collection purposes.
This information may be disclosed to our related or associated entities, overseas distributors in locations such as New Zealand, overseas suppliers in locations such as the United Kingdom, USA, Germany, Canada, Hong Kong, Taiwan and Singapore, 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 Creditorwatch Pty Ltd (www.creditorwatch.com.au) (“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 the KVM 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 3 / 3 La Fayette Blvd, BIBRA LAKE WA 6163 or telephone 1300 789 586 or e-mail privacy@kvm.com.au.
Privacy Policy
Our Privacy Policy - Collection of your Personal Information
KVM is 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 KVM 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 CreditorWatch.
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. KVM usually collects Personal Information directly from the individual concerned. Where this is not practical, KVM 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, KVM 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, KVM 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, KVM takes reasonable steps to ensure the individual is aware of:
- The identity and contact details of KVM and KVM’s Privacy Officer;
- The purposes for which the information is being collected;
- Any organisations to which KVM may disclose the information to;
- The fact that an individual has a right to gain access to the personal information collected; and
- 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:
- Where you have given express consent to KVM to do so and where is it necessary for KVM to carry out one of its primary functions;
- Where there are reasonable grounds to believe that disclosure is necessary to prevent a threat to life or health;
- 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 KVM’s Privacy Policy. If so, we will only use the unsolicited Personal Information as if that information had been solicited by KVM (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 KVM’s website at www.kvm.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 KVM 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 the control of KVM.
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, KVM will provide you with an option of not identifying yourself, or of using a pseudonym, when dealing with us (unless KVM is 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:
- Providing you with our products and services and/or information about our products and services;
- Assessing applications for commercial credit and guarantee documents;
- Assessing applications for employment (where applicable);
- Administering our business activities;
- Communicating with you by telephone, email, SMS or mail;
- Managing and researching the products and services that we supply;
- Managing, servicing and reviewing accounts, including overdue accounts;
- Managing client payment information, including credit card information and bank account details;
- Distributing articles or publications to you;
- Providing you with better service for the supply of our products and services;
- Investigating any complaints; and
- Insurance and debt collection purposes.
KVM will not sell, rent or trade your Personal Information.
Any Personal Information which you do supply will only be used internally at KVM 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:
- That other purpose is related to the purpose for which you gave us the Personal Information;
- You have given us your consent for the Personal Information to be used or disclosed for the additional purpose;
- Where there are reasonable grounds to believe that use or disclosure is necessary to prevent a threat to life or health;
- 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
- The use or disclosure is authorised by law or reasonably necessary to enforce the law.
During the ordinary course of business, KVM may disclose your Personal Information as required by law or to third parties related to your services, including:
- our suppliers, if necessary and on a case-by-case basis. For example, for assistance and project planning, or if a particular supplier requires us to disclose the end purchaser of our goods and services;
- government departments such as courts, tribunals and regulatory authorities as permitted by law;
- our contractors;
- parties related to your employment, for example referees or worker’s compensation insurers;
- other credit providers (whether or not your account is overdue);
- credit reporting bodies including Creditorwatch Pty Ltd (www.creditorwatch.com.au) (“CreditorWatch”) and others; and
- if necessary, our professional advisors including risk insurers, solicitors and financial institutions; and
- anyone else to whom you consent.
KVM 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.
KVM’s has 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 KVM on an ongoing basis.
Our Privacy Policy – Overseas Disclosure
In the normal course of business, KVM may disclose Personal Information to overseas recipients such as distributors in locations such as New Zealand, suppliers in locations such as the United Kingdom, USA, Germany, Canada, Hong Kong, Singapore and Taiwan, or to third parties when this information is required to fulfil the supply of goods or services. This disclosure may occur where KVM’s service providers and distributors 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 KVM. KVM 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
KVM 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 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
KVM 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. KVM 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. KVM requires any third party, service provider, or other entity to which KVM discloses Personal Information to comply with this Privacy Statement and Privacy Policy and to comply with the APPs.
KVM maintains sophisticated IT systems to keep its customer, vendor and employee data on master files. KVM has 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 KVM employs 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
KVM will take all reasonable steps to ensure that all Personal Information we collect, use or disclose is accurate, complete and up-to-date. KVM will review Personal Information on its databases at regular internals 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 KVM 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:
- 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;
- Your request for access is frivolous or vexatious;
- Where the information relates to existing legal proceedings between KVM and you and the information would not be discoverable in the process of those legal proceedings; or
- 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 KVM refuses a request for correction or access, you will be provided with written reasons for the refusal and details of complain mechanisms.
Our Privacy Policy - Complaints
KVM takes your complaints seriously. If you believe that KVM has 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 3 / 3 La Fayette Blvd, BIBRA LAKE WA 6163 or e-mail privacy@kvm.com.au or telephone 1300 789 586. You must submit your complaint in writing. KVM will use its 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.
KVM has detailed procedures for dealing with Privacy Law breaches. If you are dissatisfied with the outcome of your complaint, or if KVM refuses to provide access to, or correction of, your Personal Information, you may complain to the Office of the Australian Information Commissioner at www.oaic.gov.au.
Our Privacy Policy - Transparency
This Privacy Statement and Privacy Policy is available on KVM’s website at www.kvm.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 KVM’s 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 KVM and our Privacy Officer at our head office 3 / 3 La Fayette Blvd, BIBRA LAKE WA 6163 or telephone 1300 789 586 or e-mail privacy@kvm.com.au or via any of our contact details listed at www.kvm.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:
- 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
- payment or default information; or
- new arrangement information; or
- court proceedings information; or
- personal insolvency information; or
- 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:
- assess applications for credit or whether to accept an individual as a guarantor in relation to credit;
- assist you to avoid defaulting on your credit obligations;
- notify other credit providers or a credit reporting agency body of a default by you;
- assess your creditworthiness; or
- offer you further services and products; or
- 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:
- 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;
- restrict the number of employees internally who can access such data; and
- 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:
- 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;
- Our associated and related bodies corporate and entities;
- a third party who is supplying a service to Us;
- any other third party provided that We obtain your prior written consent;
- your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian, trustee, or attorney);
- where permitted by law, debt collection agencies and/or financiers or other lenders; or
- as otherwise permitted by law.
Disclosure outside of Australia
Occasionally and in limited situations (for example, when information is required by our suppliers to fulfil the supply of goods or services), we may transfer your credit information and credit eligibility information to Our suppliers overseas in such locations as the United Kingdom, USA, Germany, Canada, Hong Kong, Singapore and Taiwan, which are registered and governed by laws outside the Australian jurisdiction.
Credit Reporting Bodies (“COB’s”) 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 will deal with the following CRBs:
- Creditorwatch Pty Ltd (CreditorWatch)
80 Clarence Street, Sydney NSW 2000
Website www.creditorwatch.com.au, telephone 1300 501 312
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 telephone 1300 789 586 or e-mail privacy@kvm.com.au or by mail to 3 / 3 La Fayette Blvd, BIBRA LAKE WA 6163.
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.kvm.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 (Cth) 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:
- Creditorwatch Pty Ltd (CreditorWatch)
Clarence Street, Sydney NSW 2000, www.creditorwatch.com.au, 1300 501 312
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.