1) What Information We Collect

When assessing your credit application, we may collect and hold credit-related information, including:

• Your name and contact details
• Business name, ABN/ACN, and trading information
• Bank account or financial information (where required)
• Details of credit applications you submit to us
• Credit limits, payment terms, and hire activity
• Repayment history with us
• Information from trade references
• Information provided by our third-party credit reporting or finance partners

We only collect information necessary to determine your suitability for credit terms and to manage your account.

2) How We Use Your Information

Your credit information may be used to:

• Assess your eligibility for a trading account or financed hire
• Verify your identity and business details
• Determine appropriate credit limits
• Provide invoices and statements
• Manage overdue accounts or outstanding balances
• Comply with legal and regulatory obligations

We do not use your information for marketing without consent.

3) Disclosure of Credit Information

We may share your credit information with the following parties when necessary:

• Our external finance or credit assessment partners
• Debt collection agencies (if required)
• Government or regulatory bodies upon lawful request
• Legal representatives involved in credit-related matters
• Accountants, auditors, or insurers who assist us

We do not sell, rent, or trade your information to third parties.

4) Storage and Security

We take reasonable measures to safeguard credit information, including:

• Secure electronic systems with restricted access
• Encrypted data storage
• Internal policies governing staff access
• Secure destruction of outdated records

Information is retained only for as long as legally required or necessary for account management.

5) Access and Correction

You may request:

• A copy of the credit information we hold
• Correction of any inaccurate, out-of-date, or incomplete information

Requests can be made by contacting our office. We will respond within a reasonable time and may require identity verification.

6) Complaints

If you believe your credit information has been mishandled, you may lodge a complaint with:

1. AB Plant & Equipment Hire (first point of contact)
2. Office of the Australian Information Commissioner (OAIC) — if you are not satisfied with our response

7) Updates to This Policy

This Credit Reporting Policy may be updated from time to time. Any changes will be posted on our website, and continued use of our services constitutes acceptance of the updated policy.

8) Contact Us

For enquiries regarding credit reporting, access requests, or corrections, please contact:

AB Plant & Equipment Hire
Email: [email protected]
Phone: 0461 517 800
Address: 26/89 Priestdale Road, Eight Mile Plains, 4113