Privacy Statement

The operating businesses within the PBM Wholesale Trust are:

PBM Fitness Pty Ltd
JPSM Pty Ltd

The group has the following policies in relation to the new National Privacy Principles:

Collection

We will not collect personal information unless it is necessary for one or more of our functions or activities. The information will be collected lawfully and fairly, and not in an unreasonably intrusive way.

We will insofar as reasonably possible, collect the information from the individual. If this is not possible the information may be collected from other sources, including publications and databases that are publicly or commercially available.

Where we collect the information from another source we will take reasonable steps to ensure you are made aware of how to contact us to access the information, how and why we collected the information, and what we will do with it, unless specific exemptions apply. Sensitive information will only be collected with your consent, unless specific exemptions apply. A list of specific exemptions is available on request or may be based on individual circumstances.

Use and Disclosure
The general rule is that we will not use or disclose personal information about you other than for the purpose stated at the time of collection. If another use is proposed, we will seek further consent, unless that other purpose is related to the original purpose of collection.

Data Quality
We will reasonably ensure that the personal information we collect is accurate, complete and up to date.

Data Security
Reasonable steps are taken to protect the personal information we hold from misuse and loss, and from unauthorised access, modification and disclosure.

Access and Correction
You can request access to your personal information that we keep on record. If you believe that any information is incorrect or out of date, you may, of course, ask us to correct it.

Complaints Procedure
In relation to PBM Wholesale Trust, refer to the section below for specific information. If you have any complaints in relation to the handling of your personal information, please contact PBM Fitness

Privacy Act
The Privacy Act was passed by federal Parliament at the end of 1988. The Act gave effect to Australia's agreement to implement Guidelines adopted in 1980 by the Organisation for Economic Cooperation and Development (OECD) for the Protection of Privacy and Transborder Flows of Personal Data, as well as to its obligations under Article 17 of the International Covenant on Civil and Political Rights.

Part IIIA of the Privacy Act provides safeguards for individuals in relation to consumer credit reporting. In particular, Part IIIA governs the handling of credit reports and other credit worthiness information about individuals by credit reporting agencies and credit providers. The Act ensures that the use of this information is restricted to assessing applications for credit lodged with a credit provider and other legitimate activities involved with giving credit. The legislation does not directly affect commercial credit information.

The key requirements of Part IIIA include:

Strict limits on the type of information which can be held on a person's credit information file by a credit reporting agency. There are also limits on how long the information can be held on file.
Limits on who can obtain access to your credit file held by a credit reporting agency. Generally only credit providers may obtain access and only for specified purposes. Real estate agents, debt collectors, employers, general insurers are barred from obtaining access.
Limits on the purposes for which a credit provider can use a credit report obtained from a credit reporting agency.

These include:
- to assess an application for consumer credit or commercial credit (but they must seek consent if they are using your consumer credit report to assess an application for commercial credit, or using your commercial report to assess an application for consumer credit)
- to assess whether to accept a person as guarantor for a loan applied for by someone else
- to collect overdue payments
- Prohibition on disclosure by credit providers of credit worthiness information about an individual, including a credit report received from a credit reporting agency, except in specified circumstances.
  
  These include:
  - where the disclosure is to another credit provider and the individual has given consent
  - to a mortgage insurer
  - to a debt collector (but credit providers can only give limited information contained in or derived from a credit report issued by a credit reporting agency)
  - disclosing the amount of debt owed, where the person or body is considering taking an assignment of, or discharging the debt owed to the credit provider
  - rights of access and correction for individuals in relation to their own personal information contained in credit reports held by credit reporting agencies and credit providers.

For further information visit http://www.privacy.gov.au/