If you are an Australian customer, this Policy explains how CNH Industrial and its related entities collect your personal information, what we do with it, and, most importantly, how it’s protected. It all comes down to CNH Industrial using personal information in innovative ways to provide great products and improved service.
CNH Industrial is bound by the Privacy Act 1988 (Cth) (the Act) and the 13 Australian Privacy Principles (APPs) set out in the Act. The APPs regulate the way that certain entities handle personal information As a participant in the credit reporting system, CNH Industrial Capital Australia Pty Limited (CNHICA) is also bound by the rules in the Privacy Act which apply to credit reporting. More information about CNHICA’s credit reporting practices can be found in this Policy.
The Act does not apply to the handling of information that does not relate to individuals – for instance information about corporations.
Why we need to collect personal information
CNH Industrial collects personal information from you when it is reasonably necessary for a business purpose. That means we collect it to:
The type of information we collect
CNH Industrial collects personal information which may include your name, address, date of birth, gender, location, contact details, payment details, financial information, and information about how and where you purchase and use our products.
There are a few different ways CNH Industrial collects this information. We collect most personal information directly from you. For example, you might fill out a form online or in one of our dealerships, or give it to one of our representatives on the phone. If you are simply making an initial enquiry, you can choose not to provide your personal information and deal with us anonymously.
CNH Industrial will continue to collect personal information during our relationship with you. For example, we may collect personal information:
What we collect from your online activity
What we collect from others
Other people might give us personal information about you. For example, we might be given personal information by an authorised dealer from whom you have purchased our products; or if you are an operator your employer may provide us information about you if you use our business products; or by your parent or guardian if you are under 18.
We may also collect personal information from other companies that are able to disclose it to us, if it’s not practical to collect it from you. For example, we buy or obtain personal information from trusted sources to help us identify people who might be interested in hearing about our products. We will take reasonable steps to make sure you know we have your personal information, how we got it and how we’ll handle it.
Your credit history
CNH Industrial collects some types of personal information to assess your credit position when you apply for certain services. For more details, see the section on ‘Credit-related information’ further below.
Insights from statistics and research
CNH Industrial aggregates and processes personal information to generate new insights about our network and customers, so we can provide you with the best possible products and service.
Sensitive personal information
Sensitive information generally means data about your race, ethnicity, politics, religious or philosophical beliefs, sexual preferences, health, genetics or criminal record.
This type of information will only be collected with your permission, and CNH Industrial will only use it for the limited purpose for which you provided it. For instance, there may be times when you choose to tell us about your health, and we might collect biometric information for use with new technologies like voice or fingerprint recognition. This could happen as technology changes and evolves over time.
The CNH Industrial group and who we work with
We may share your personal information within the wider CNH Industrial Group. Different companies within the CNH Industrial Group provide different services. CNH Industrial includes our overseas parent company, CNH Industrial NV and their subsidiaries.
Parties we work with
CNH Industrial sometimes team up with other companies to offer products. If you purchase a product that is delivered by one of our partners, we’ll give them the personal information they need to provide it and manage their relationship with you. In these circumstances, we have arrangements in place with our partners that limit their use or disclosure of your personal information to these purposes.
CNH Industrial work with third parties to provide sales, business and customer support. They may have access to systems that include your personal information. These companies are subject to strict controls that protect your information from unauthorised use or disclosure, and limit their access to your personal information to the extent necessary to do their job.
Access to personal information from overseas
As mentioned above CNH Industrial NV and some of its subsidiaries are located overseas. Please rest assured, CNH Industrial will only give those entities secure access to the personal information they need to do their job. CNH Industrial maintains effective control of your personal information at all times, including by ensuring that parties located overseas comply with the APPs. These overseas entities are otherwise subject to strict data control laws which limit access to and handling of your information. In essence, these overseas entities will:
Assignment of receivables and Outstanding payments
In some circumstances, CNH Industrial may assign its receivables for funding purposes; or it may need to refer or sell overdue debts to debt collectors or other companies. If we do this, we’ll give them secure access to the personal information they need to handle the debt. We may also update credit reporting agencies about some types of payment defaults, although we’ll always tell you before we do this.
Legal obligations and other privacy exceptions
CNH Industrial gives access to personal information where we are permitted or obliged to do so by Australian law. For example, we will use or disclose personal information to react to unlawful activity, serious misconduct, or to reduce or prevent a serious threat to life, health or safety. We are obliged to cooperate with law enforcement bodies. CNH Industrial may disclose personal information we receive a request or warrant that is authorised under Australian law.
CNH Industrial will only disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main reason we collected the information and you’d reasonably expect us to do so.
CNH Industrial may use your personal information to send you advertising targeted to your interests, characteristics or general location. This doesn’t necessarily mean you’ll get more advertising. It just means that the advertising that you see will hopefully be more relevant to you. We’ll make sure that any marketing emails, texts and letters we send you clearly tell you how to opt out. We appreciate receiving unsolicited (junk/spam) mail can be as source of some irritation.
You can opt out at any time of electronic advertising by following the prompts or by calling us on 1800 807 934. When you opt out, you can choose to opt out of particular direct marketing, or all direct marketing. Of course, there are some types of marketing we can’t control on an individual basis, like general promotional flyers or online ads that are not targeted specifically to you.
Credit related information
CNH Industrial uses personal information to assess your credit situation when you apply for some products. For example, we generally do a credit assessment before you take a finance product. That will entail asking you for information about yourself and things like your employment details and credit history.
CNH Industrial will as a matter of best practice seek a credit report from a credit reporting agency. We’ll always tell you before we seek a credit report. The credit report provided by a credit reporting agency may include information like your employment history, previous credit checks, any problems you’ve had paying bills and whether those issues were resolved. CNH Industrial uses this information to assess whether we’re entering into an arrangement that is financial viable for both you and us.
After you become a customer, we store the crucial bits of information from the credit report and our own credit assessment. We may continue to use this information to manage credit, and to make sure we’re offering and providing the right services to you. CNH Industrial will occasionally use credit related information to generate marketing lists in order to offer you new products or services. Sometimes, we might ask a credit reporting agency to do that for us. You can ask the credit reporting agency not to use your information for these purposes by getting in touch with them directly.
CNH Industrial works with its overseas related entities and third party suppliers which will have access to the credit information they need to help manage credit and your services. These overseas entities conduct operational, technology and customer service functions on behalf of Australian-based CNH Industrial businesses:
These entities (along with mercantile agents CNH Industrial may require to engage if you default on your goods mortgage loan) are obliged to comply with the APPs. You can get access to credit related information we hold about you, ask us to correct it, or make a complaint, as described elsewhere in this policy.
If the personal information held has an error, CNH Industrial will correct it. If CNH Industrial has previously disclosed that information to a credit reporting agency we’ll tell them about the error and ensure the information is corrected. You can ask the credit reporting agencies not to use or disclose the information in their files if you think you have been or are likely to become a victim of fraud.
CNH Industrial will not:
Before reporting defaults to credit reporting bodies, CNH Industrial will give you a notice in writing stating it that it intends to disclose the information to the credit reporting body within 14 days. If you believe that you have been or are likely to be the victim of fraud (including identify fraud), you can request a credit reporting body not to use or disclose the information they hold about you. If you do this, the credit reporting body mustn't use or disclose the information during an initial 21 day period without your consent (unless the use or disclosure is required by law). This is known as a ban period.
If, after the initial 21 day ban period, the credit reporting body believes on reasonable grounds that you continue to be or are likely to be the victim of fraud, the credit reporting body must extend the ban period as they think reasonable in the circumstances. The credit reporting body must give you a written notice of the extension
Credit reporting bodies can use the personal information about you that they collect for a pre-screening assessment at the request of a credit provider unless you ask them not to. A pre-screening assessment is an assessment of individuals to see if they satisfy particular eligibility requirements of a credit provider to receive direct marketing. You have the right to contact a credit reporting body to say that you don't want your information used in pre-screening assessments. If you do this, the credit reporting body must not use your information for that purpose.
You can find out more about the credit reporting agencies CNH Industrial engages by visiting www.veda.com.au and www.dnb.com.au. Their websites give their contact details and their policies about the management of your personal information.
CNH Industrial is committed to protecting your personal information. Some of the security measures we use include:
The efficacy of these measures are routinely scrutinised as security risks do change. CNH Industrial is committed to ensuring your personal information is protected.
How to access your personal information
If you ask us, we will usually give you access to the personal information we hold about you. CNH Industrial will always confirm your identity before giving access to your personal information. You can ask for access by calling us on 1 800 807 934.
The APPs prohibit CNH Industrial giving you access to personal information we hold about you if:
There is generally no cost for accessing the personal information we hold about you, unless the request is complex or resource intensive. If there is a charge, it will be reasonable and we will let you know what it is going to be so that you can agree to it before we go ahead.
Quality of personal information
CNH Industrial is committed to ensuring all the personal information we hold about you is accurate, up-to-date and complete. If you think our records need to be corrected, please call us on 1 800 807 934. CNH Industrial encourages you to update your details with us so we can deliver better service to you. We appreciate your personal information is important to you, so please let us know if you have any questions or concerns about this policy or our practices.
You can get in touch with us by:
Our complaint process and complaint handling policy
If we do not agree that your information is inaccurate, incomplete or out of date, we will write to you and tell you the reason(s) why we do not agree with you. We will also tell you what you can do if you are not satisfied with our response.
Resolving your concerns
You are entitled to complain if you believe that your privacy has been compromised or that CNH Industrial has breached the Privacy Act, or an applicable code. If you have a privacy complaint, you can contact the person, CNH Industrial representative you have been dealing with.
Alternatively, you can lodge a complaint by contacting us by any of the means set out under the heading quality of personal information. If you make a complaint, CNH Industrial will respond within 48 business hours to let you know who is responsible for managing your complaint. CNH Industrial will try to resolve your complaint within 10 working days.
When this is not possible, CNH Industrial will contact you within that time to let you know how long we will take to resolve your complaint. CNH Industrial will investigate your complaint and where necessary, consult with other credit providers or credit reporting bodies about your complaint. CNH Industrial will make a decision about your complaint and write to you to explain our decision.
Office of the Australian Information Commissioner (OAIC)
If your complaint is not satisfactorily resolved, you may access an external dispute resolution service (EDR) approved by the Information Commissioner. The Credit Ombudsman Service Limited (COSL) has received approval from the Information Commissioner as an EDR. Alternatively, you can apply to the OAIC to have the complaint heard and determined but you will generally need to complain directly to CNH Industrial first and allow 30 days for us to respond. If you do not receive a response (after 30 days), or you are dissatisfied with the response, you may then complain to the OAIC.
Complaints to the OAIC must be made in writing preferably through the online Privacy Complaint form. When you complete and submit a form your information is not accessible to anyone other than the OAIC. Simply select the "Use a blank form and keep your own records" option and then complete the form. If you need help lodging a complaint, you can call the OAIC Enquiries Line. We can receive privacy complaints through:
Log onto OAIC’s contact page at http://www.oaic.gov.au/about-us/contact-us-page for further information.
Last updated June 2015