We may update this policy from time to time, so please make sure you check the most recent Privacy Policy online at Lumiskin.com.au/privacypolicy

PURPOSE
The purpose of Polished Brands Privacy Policy is to outline what personal information and credit information we collect during the course of running our business, what we do with the information received and what measures we take to keep this information secure.

ABOUT US
Polished Brands is a retailer and wholesaler of health and beauty products and devices. We are bound by the provisions of the Privacy Act. For more information on our business, please visit our corporate website: https://www.polishedbrands.com or contact our head office on +61 (0)3 9645 2555 for further information.

PERSONAL INFORMATION WE COLLECT
Personal information which we may collect and hold include your:

Credit information which we may collect, hold and disclose include:

● Identification information – name, date of birth, current or previous address, driver’s licence details

● Type and amount of credit sought

● Default information

● Repayment history information

● New arrangement information

If you do not provide certain personal information to us, this may affect our ability to provide our goods or services to you or your ability to receive special offers if you are a member.

HOW WE COLLECT INFORMATION
We may collect your personal and credit information in various ways, including:

● directly from you via our stores or when you register to become a member of our website;

● from third parties, including those described in the “Disclosure of Information Collected” section below;

● from our own records regarding your previous purchases or other records held at our head office, including various departments such as Human Resources, Finance, Marketing and Information Services;

● when you visit our website (for more information on what information is collected, see “Cookies” and "Information Security" below); and

● from information in the public domain.

Any personal or credit information provided to Polished Brands will be treated in accordance with the requirements of the Privacy Act. For more information regarding the Privacy Act, please refer to the Office of the Australian Information Commissioner's website: www.oaic.gov.au.

USE OF INFORMATION COLLECTED
Any personal or credit information Polished Brands collects through the course of normal business dealings will be used primarily for the purposes for which it was collected. Polished Brands does not sell, trade or share personal information to third parties. We may use your personal information:

● to verify your identity;

● to provide you with our goods or services;

● to charge or bill your for those goods or services (including debt collection);

● to report any default by you under payment terms with us;

● to perform statistical analysis of customer shopping habits or other similar activities (for internal marketing purposes only);

● to send you information about our promotions and products;

● to obtain feedback on how to improve our products or customer service; and

● for any purpose related to the above.

Polished Brands does not send unsolicited e-mails.

DISCLOSURE OF INFORMATION COLLECTED
In some instances, it is necessary to disclose some of your personal information to third parties or contractors, such as providers of:

● delivery services;

● information technology services;

● data storage or processing services;

● billing and debt-recovery services;

● customer enquiries services;

● mailing service services; and

● market research or website usage analysis services.

However, Polished Brands will take reasonable steps to ensure our suppliers and contractors only use the information provided to them for relevant purposes, for example by requiring them to sign contracts containing appropriate privacy or confidentiality obligations.

In limited circumstances, Polished Brands may also disclose your personal information to:

● our related companies;

● our professional advisors, such as our lawyers, accountants, and auditors;

● to government agencies or bodies, if we are required or authorised to do so by law; and

● organisations who manage the transfer or sale of our assets or business.

DISCLOSURE OF INFORMATION TO CREDIT REPORTING BODIES

In order to assess and maintain an application made by you to use any service we offer, Polished Brands may obtain consumer credit reporting information about you from a credit reporting body (such as DUN & BRADSTREET).  In addition, Polished Brands may also disclose to a credit reporting body information about any default by you under our terms and conditions.

In this situation, Polished Brands  may derive the following types of personal information from information about you contained in the credit check:

● your eligibility to be provided with credit;

Any consumer credit reporting information collected by Polished Brands may be disclosed to any of the entities set out above for the purposes of processing an application for our Services, processing payments and any other related purpose.

For the purposes of providing consumer credit, Polished Brands  may disclose your personal and credit information to the following credit reporting bodies for the purposes of undertaking a credit check in relation to an application made by you:

DUN & BRADSTREET
www.dnb.com.au
Email: pac.austral@dnb.com.au
Phone: 1300 734 806

You may access a copy of Dun & Bradstreet’s policy about its management of credit information on its website at www.dnb.com.au.

These credit reporting bodies may include any of your personal or credit information, disclosed to it by Polished Brands, in reports provided to other credit providers to assist other credit providers to assess your credit worthiness. You may access a copy of the credit reporting body’s policy about its management of credit information on its website. You have the right to make a request to the credit reporting body not to use or disclose your credit reporting information:

● for the purposes of pre-screening of direct marketing by a credit provider; or

● if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

OVERSEAS DISCLOSURES
We may disclose personal information to overseas recipients, including for example, related bodies corporate or our third-party service providers which are located overseas.

ANONYMITY
Where lawful and practicable, you have the option of remaining anonymous (or using a pseudonym) in your dealings with Polished Brands.

For example, we understand that when customers visit our website they may not wish to become a member. We respect that and have provided visitors with the option to not sign up as a member and to drop out at any time if they no longer wish to be a member of the site.

DIRECT MARKETING
Customers who do not wish to have their personal information used for marketing by Polished Brands should request not to receive direct marketing communications at the time of purchase, in correspondence, at interview or any other point of contact with a representative of our company. Customers may also contact us at any time to ask us not to use their personal information for marketing purposes, using our contact details at the end of this Privacy Policy.

ACCESS TO PERSONAL INFORMATION AND KEEPING UP-TO-DATE
Polished Brands takes reasonable steps to keep your personal and credit information accurate, complete and up-to-date. However, our ability to do this depends to a large extent on you informing us of any changes or updates to your details.

You may request access to or correction of your personal or credit information held by Polished Brands at any time by contacting us at our contact details at the end of this Privacy Policy.

Polished Brands will provide you with access to your personal or credit information and/or allow you to correct that information so that it is accurate, complete or up to date, except in limited circumstances specified under the Privacy Act. If we deny you access or refuse to correct your personal information, we will inform you of the reasons why.

We may charge you a fee for providing access to your personal information, which reflects the cost incurred by us to provide you with access to this information.

COOKIES
Both the Polished Brands group corporate web site and the company's online stores use "system cookies". A "system cookie" is a small amount of information stored on the user's computer by our web site server.

The "system cookie" identifies the user's browser. It does not identify the user personally and no personal information is stored within Polished Brands "system cookies". "System cookies" can be disabled by the user going to the preferences or options menus in their browser.

INFORMATION SECURITY
Polished Brands takes reasonable security measures to minimize the risk of misuse, interference and loss, and unauthorised third party access, modification or disclosure of personal and credit information.

The company's trading web sites (growhaircare.com.au) conform to the standard of SSL (Secure Sockets Layer) technology, with credit card details and other information scrambled (encrypted) to minimise possible misuse by third parties.

A padlock/key is displayed on the lower right hand corner that indicates we have a secure site. Double click the padlock to see our certificate of authenticity.

Our website contains links to other sites, however no personal or credit information is exchanged. These links are for information purposes only.

Polished Brands does not store or keep complete credit card numbers from on-line transactions. The first and last three numbers of your credit card number are kept for order verification purposes only.

While every endeavour is made to ensure every shopping experience with us is a good one, in the event a credit card is used without the holder's authorisation, the card holder must notify their credit card provider in accordance with their reporting rules and procedures.

The internal network also has levels of security to ensure information of a sensitive nature is only accessible by authorised staff members.

All hard copies of information of a sensitive nature are stored securely and are not accessible by unauthorised persons.

Polished Brands will take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed.

CHILDREN AND YOUNG PEOPLE
The Polished Brands' websites are accessible to people of all ages. However, we are mindful that some customers who register as members may be under the age of 18. In the interests of their personal safety, we urge children to check with their parents before entering personal information on any website and ask parents to discuss these issues with their children.

Polished Brands will also ensure that appropriate disclosures are made at the time of collection of other information from minors, and will only collect this information as is reasonably necessary in the circumstances. Information collected will only be used for the purposes of which it was collected.

COMPLAINTS
If you are not satisfied with the way we have handled your personal or credit information we encourage you to contact our Privacy Officer with details of your complaint by using our contact details below.

You are also entitled to lodge a complaint with the Federal Office of the Australian Information Commissioner. More information can be obtained from the Commissioner's website at www.oaic.gov.au.

CONTACT US
If you have any comments, suggestions or questions in relation to privacy, please contact us:

● by mailing PO BOX 675, Port Melbourne VIC 3207 Australia

● by telephone on 1800 101 285 or

● by email to enquiries@polishedbrands.com