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Credit Information Policy

Core Energy Solutions Pty Ltd – Credit Information Policy

Core Energy Solutions Pty Ltd (ACN 673 929 970) (“we”, “us” or “our”) understands that protecting your credit information is important.

This Credit Information Policy outlines how we collect, use, disclose, and manage credit information in accordance with the Privacy Act 1988 (Cth).

1. Information We Collect

Personal Information

Personal information is information or an opinion, whether true or not and whether recorded in a material form or not, about an individual who is identified or reasonably identifiable.

The personal information we hold about you may also include credit information.

Credit Information

“Credit information” is defined in the Privacy Act 1988 (Cth) and may include:

  • your name, address, contact number, and email address;

  • the fact that you applied for credit from our referral partner; and

  • the amount of credit applied for by you.

2. How We Collect Credit Information

We collect credit information in several ways:

Direct Collection

When you provide information directly to us, including through completion of a credit application form provided by our credit partners, or when you enter an agreement with us for the supply of goods and/or services.

Indirect Collection

When you interact with us, such as when you make a payment on any credit amount provided by our partners.

From Third Parties

From external sources such as our partner credit providers.

3. Why We Collect, Hold, Use and Disclose Credit Information

We may collect, hold, use, and disclose credit information for the following purposes:

  • verifying your identity;

  • assessing your application for our services;

  • providing goods and/or services to you;

  • administering your account, including record keeping, invoicing, and billing;

  • handling complaints or issues relating to our goods and/or services;

  • complying with legal obligations and resolving disputes; and

  • as otherwise required or authorised by law.

4. Disclosure of Credit Information to Third Parties

We may disclose credit information to:

  • partner credit providers to assess your financial arrangements with us;

  • third-party service providers, including IT, data storage, web-hosting, payment systems operators, debt collectors, and professional advisors;

  • our employees, contractors, and related entities;

  • our existing or potential agents or business partners;

  • any purchaser or potential purchaser of our business or assets;

  • courts, tribunals, and regulatory authorities in the event of non-payment;

  • courts, tribunals, regulatory authorities, and law enforcement officers as required or authorised by law;

  • any other third parties where you have provided consent; and

  • as required or permitted by law (for example, in response to a subpoena).

We are not likely to disclose credit information to individuals or entities without an Australian link.

If this changes, we will update this policy to include the relevant countries.

5. Your Rights and Controlling Your Credit Information

Your Choice

By providing credit information, you acknowledge that we may collect, hold, use, and disclose your information in accordance with this policy.

You are not required to provide credit information; however, it may limit our ability to provide goods and/or services.

Information from Third Parties

If we receive information about you from a third party, we will protect it under this policy.

If you provide information about someone else, you represent that you have their consent.

Access

You may request access to the credit information we hold about you.

An administrative fee may apply. We aim to provide access within 30 days of receiving your request.

If access is refused, we will notify you of the reasons and available complaint mechanisms.

To ensure accuracy, we recommend you also request your credit report from a credit reporting body.

Correction

If you believe the information we hold is inaccurate, outdated, incomplete, or misleading, contact us to request correction.

We will take reasonable steps to correct the information within 30 days, or longer if agreed in writing.

If correction is refused, we will inform you of the reasons and available complaint options.

Complaints

If you wish to make a complaint, please contact us using the details below and provide full details.

We will:

  • acknowledge receipt within 7 days, and

  • respond within 30 days, or longer if agreed in writing.

Our response will outline the investigation outcome and any actions we will take.

If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).

6. Storage and Security

We are committed to ensuring that credit information is secure.

To prevent unauthorised access or disclosure, we have implemented suitable physical, electronic, and managerial procedures.

While we take reasonable precautions, information transmitted over the internet is at your own risk.

7. Amendments

We may vary this Credit Information Policy at any time by publishing the updated version on our website.

Please check our website regularly to stay informed of any updates.

8. Contact Us

Core Energy Solutions Pty Ltd (ACN 673 929 970)

Email: [email protected]

Last updated: 8 October 2025

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