At HS we manage your personal information in an open and transparent way. HS will only use your personal information when it is necessary for us to deliver you a service or perform other necessary business functions and activities.
HS will not use or disclose your personal information for purposes unrelated to the services we provide, unless we first obtain your consent.
HS is bound by the requirements of privacy laws, which regulates how we may collect, use, disclose and store personal information. These laws also specify how individuals may access and correct personal information held about them.
“Personal Information” means information or an opinion about an identified individual (or an individual who is reasonably identifiable), whether true or not, or recorded in a material form or not. For example, these types of information could include your name, contact details and age.
In this policy ‘we’, ‘us’, ‘our’ and ‘HS’ refers to (and this policy applies to) Harris Scarfe Australia Pty Ltd ABN No 83 095 018 803.
HS will only collect personal information about you by lawful and fair means, and not in an unreasonably intrusive manner.
It is HS’s usual practice to collect personal information directly from you when you:
We may collect personal information about you from a third party or a publicly available source, but only if you have consented to such collection, or would reasonably expect us to collect your personal information in this way.
Where we can, we will allow you to deal with us anonymously or by using a pseudonym. However, in some circumstances, this may not be possible, and HS may need to collect personal information from you to provide you with a delivery or other service. In some cases, if you do not provide the required personal information we will not be able to provide you with a service.
If we receive information about you from a third party and it is not information we need in respect of our business activities, we will destroy or de-identify that information (provided it is lawful to do so).
Any personal information that you provide to us in-store is collected and managed by HS.
The types of personal information HS may collect includes your:
Whilst you may opt not to provide us with your personal information, you should be aware that without this personal information, we may not be able to provide you with some of the services and/or products you are seeking.
If you provide us with information about any third party, you must obtain that person’s permission to give us the information and inform them that you have given the information to us.
We use your personal information for a variety of reasons including to:
What are Harris Scarfe SMS Alerts?
Harris Scarfe SMS alerts are SMS messages that are sent to opted in users that contain promotional content for Harris Scarfe customers. After an initial confirmation SMS message, users receive 5 SMS messages per month.
How do I sign up for Harris Scarfe SMS Alerts?
Sign up for Harris Scarfe sms alerts by texting HSFRIENDS to 61427574976. By signing up, you will receive 5 Harris Scarfe SMS alerts per month. Harris Scarfe SMS alerts are not mobile spam. The service is a recurring message program. You can also sign up for Harris Scarfe SMS alerts by entering an in store mobile campaign.
Is it free?
Although all Harris Scarfe SMS alerts are complimentary, Message & Data Rates May Apply. Depending on your text plan, you may be charged by your carrier.
What if I don’t want to receive any more service messages?
To stop receiving all Harris Scarfe SMS alerts, simply text STOP to the long code 61427574976. Once your telephone number is removed from our system, you will receive a final confirmation message and no further messages will be sent to your cell phone or mobile device.
What if I want to opt back in?
You can start receiving Harris Scarfe SMS alerts again by following any of the steps outlined in the above section: “How do I sign up for Harris Scarfe SMS Alerts?”
What if I want more info?
To request more info, simply text HELP to the long code 61427574976
STOP: At any time, you can text STOP to the long code 61427574976. This will prevent you from receiving any future Harris Scarfe SMS alerts, following the confirmation message(s) described above in the “What if I don’t want to receive any more service messages?”
HELP: At any time, you can text HELP to the long code 61427574976. Texting HELP will return a message such as the following:
Harris Scarfe SMS Alerts. 5 msgs/mon. Visit bit.ly/mobilehs or call 1300 304 505 for more info. Msg&Data Rates May Apply. Reply STOP to cancel
What are the Participating Carriers?
Telstra Australia, Singel Optus Ltd aka OPTUS, Vodafone Australia, Virgin Mobile Australia, Hutchison 3G
How are the messages sent?
We may use autodialer or non-autodialer technology to send the text messages described above to the mobile phone number you supply when you opt in.
Harris Scarfe respects your right to privacy.
When returning or exchanging goods at Harris Scarfe we require that your proof of purchase be presented. As part of our returns procedure, if proof of purchase cannot be supplied we may be unable to complete a return. If a return is approved without proof of purchase we will request suitable identification be provided by you. These details may be recorded with the transaction as part of our fraud prevention program. All information obtained in these instances is used solely for this purpose and not used for marketing purposes.
In the course of conducting our business and providing our products and services to you, we may disclose your personal information.
We only disclose personal information for the purposes for which it was given to us, or for purposes which are directly related to one of our functions or activities. We do not give it to anyone else unless one of the following applies:
If we engage third party agents or contractors, we will take all reasonable steps to ensure that they do not breach privacy requirements in relation to the information, before we share your personal information with them.
We may disclose your personal information to:
In all circumstances where your personal information is disclosed, we will take all steps reasonable to ensure that these third parties undertake to protect your privacy.
If you would like to access or update your personal information, you can login to your account and go the ‘profile’ page. Alternatively, you can contact our customer service department at email@example.com. We prefer to receive written requests as in many cases this assists us to verify your identity.
We are committed to compliance with all laws and requirements relating to the use of your personal information. We will only use or disclose your personal information for direct marketing purposes if you have provided your information for that purpose (and you would expect us to use the information for that purpose), or if you have provided consent for your information to be used in this way.
From time to time, we may contact you with information about products and services offered by us and our related entities and our business partners, which we think may be of interest to you. When we contact you it may be by mail, telephone, email, SMS/text message or social media message.
Where we use or disclose your personal information for the purpose of direct marketing, we will:
HS will only ever contact you if you have consented to this, and you can ask to be removed from our marketing lists at anytime by contacting us at firstname.lastname@example.org.
Subscribers to the hs friends email newsletter can unsubscribe at any time by clicking on the unsubscribed link at the bottom of our email newsletters or request to be unsubscribed from the mailing list via email at email@example.com.
Your personal information may be disclosed to other HS entities, business partners and service providers in Australia and overseas.
The countries this information may be disclosed to will vary from time to time.
Sometimes we use third party platforms and services to process sales, provide web support, send marketing messages, deliver products or otherwise deliver information. These services are hosted and managed by organisations other than ourselves, and some of these services are hosted overseas.
Your personal information may be stored in a secure and encrypted form overseas (e.g. in data storage and cloud computing facilities operated by us (or by third parties on HS’s behalf).
HS collects personal information (which may include sensitive information) from its employees (past, current and future) in order to provide a range of employment related services to us.
HS collects personal information directly from job applicants (and their referees) or from recruitment agencies and relates service providers. The information we collect may include your name, address contact details, employment and education history, the names of your referees and other relevant information.
This information we collect about you will be used for recruitment purposes and may be disclosed to third party service providers who provide recruitment related services to us.
HS will not use Government Identifiers, such as a driver's licence number as its own identifier of individuals.
We will take all reasonable steps to ensure that your personal information is stored securely and is protected from misuse and loss and from unauthorised access, modification or disclosure.
The personal information that we collect about you is stored on our database servers & filing systems managed by us in Australia and overseas.
Our websites are professionally hosted and operate in a secure environment. You should however be aware that there is always an inherent risk in transmitting your personal information via the Internet.
We use secure payment platforms to process online orders all in an SSL secure environment.
We take website and credit card security extremely seriously, and always endeavour to provide a secure safe platform on which to conduct online transactions, all our websites use GlobalSign EVSSL Certificate. We do not store your credit card details.
To make sure you are accessing a secure server, check for the unbroken key or closed lock symbol located generally either at the bottom left or top right of your browser window. If it appears, then SSL is active. You can double check this by looking at the URL as well. If SSL is active, then the first characters of that line will read ‘https’ rather than just ‘http’. It is important for you to protect against unauthorised access to your password and to your computer.
Ensure you logout when you have finished visiting our website especially if you accessed it from a shared computer.
Cookies are pieces of information that a website transfers to your computer for record-keeping purposes. The information collected may be used by HS to improve your experience on our website.
If you visit an area of the website where you are not required to log on, to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded.
Whilst links to third party websites may be provided on our website, we are not responsible for the content or practices of these third party websites.
These links are provided for your convenience and do not represent HS's endorsement of any linked third party website. We recommend that you check the privacy policies of these third parties prior to providing them with your personal information.
No links may be made to this website without our prior written consent.
If you would like to access or update your personal information, you can login to your account and go the ‘profile’ page.
Alternatively, you can contact our customer service department at firstname.lastname@example.org. We prefer to receive written requests as this may assists us in verifying your identity.
Please write to:
Harris Scarfe Australia Pty Ltd
L1, Building 8, Botanicca Corporate Park,
576 Swan Street, Richmond
If you consider your privacy concerns have not been resolved satisfactorily by us, or you wish to obtain more information on privacy requirements, you can contact The Office of the Australian Information Commissioner on 1300 363 992 or visit their website at www.oaic.gov.au.
About this Policy
The Privacy Act 1988 (Cth) (Privacy Act) and the Credit Reporting Privacy Code (CR Code) apply to our handling of your credit-related personal information. Harris Scarfe Financial Services Pty Ltd (ABN 64 130 587 496) is part of the Pepkor Group of companies which incorporates Pepkor South East Asia Pty Ltd and the companies which operate the retail stores Best & Less, the kidstore, Mozi, Harris Scarfe and Store (Pepkor Group). Harris Scarfe Financial Services Pty Ltd and the Pepkor Group (HS, our, us, we) have developed this policy in line with the CR Code and Privacy Act to provide you with information on how we collect, hold, manage, use and disclose your credit-related personal information and how you may access and correct it.
This Policy applies in Australia and primarily in connection with our consumer credit products such as the Harris Scarfe Value Plus and Harris Scarfe Value Plus Gold credit cards (HS Cards).
What kind of credit information do we collect?
We will collect credit-related personal information about you (Credit Information) when you apply for and/or obtain our HS Cards. This may include:
information that identifies you such as your name, email address, home address, date of birth and drivers licence number;
information about your financial position such as: your employment, income, expenses and savings;
details of current and past agreements with us and other credit providers, the terms of those agreements including credit limits, the dates of those agreements, the kinds of credit products you have had or sought and how you managed your obligations in relation to them;
the fact that credit has been applied for and the amount and type of credit;
whether payments are owed to us or to another credit provider in connection with credit provided to you or in relation to which you are a guarantor which are overdue for more than 60 days (and, if subsequently repaid, that you have done so);
whether in our or another credit provider's opinion you have committed a serious credit infringement;
whether you have entered into arrangements with us or other credit providers in connection with credit provided to you;
court proceedings information, personal insolvency information and credit-related publicly available information;
scores, ratings, summaries, evaluations and other information relating to your credit worthiness which is derived by us or our agents or by credit reporting bodies (CRBs) as that term is defined in the Privacy Act, wholly or partly based on the above information; and
certain administrative information relating to credit, such as account and customer numbers.
How do we collect Credit Information?
We collect Credit Information in a variety of ways, including directly from you, from persons acting on your behalf, from publicly available sources and where permitted by the Privacy Act and the CR Code, from third parties such as CRBs and other credit providers. Some Credit Information such as credit scores and credit risk ratings will also be derived by us from information we have collected.
Why do we collect Credit Information?
The main reasons for which we collect, use, hold and disclose your Credit Information are to:
assess and process an application by you for credit;
manage your credit arrangements with us, including reviewing your credit arrangement or in connection with changes to it, such as your credit limit;
assess certain claims including for hardship;
collect overdue payments and to deal with serious credit infringements;
create assessments and ratings of your credit worthiness;
administer and manage our products and services;
communicate with you; work with our service providers, credit managers and related companies;
deal with any complaints, enquiries or legal requirements.
How do we hold Credit Information?
We will use all reasonable endeavours to maintain the security of your personal information and to protect your personal information from misuse, interference and loss and against unauthorised access, modification or disclosure. Any personal information that we receive is securely stored and access is restricted to the Pepkor Group and our authorised personnel. Although we ask for credit card information in order to process some requests from you, we do not store complete credit card information on our web server.
Who do we disclose your Credit Information to?
You consent to us providing your Credit Information to:
Our related companies in the Pepkor Group;
Third parties engaged by us to perform functions or provide products and services on our behalf such as processing credit card information, mail outs, data storage, debt collection, marketing, research and advertising;
Our employees and contractors who are authorised by us to use your Credit Information in accordance with this Policy and our internal policies;
Organisations that provide us with insurance;
Our financial advisers, legal advisers, accountants and auditors.
We may also disclose your Credit Information to others where we are required or authorised to do so by law including under the Privacy Act. If we sell all or part of our business, merge with another company or business or restructure our business (or contemplate doing this), we may transfer or disclose your Credit Information to the parties involved in the transaction. We do not disclose your Credit Information to overseas.
Credit reporting bodies (CRBs)
Which CRBs do we deal with?
You acknowledge that we may disclose Credit Information to, and acquire Credit Information from, various CRBs. The CRB that we currently deal with is Veda Advantage, which may be contacted at:
Address: Veda Advantage, PO Box 964, North Sydney NSW 2059;
Telephone: 1300 762 207
When Credit Information may be acquired from CRBs?
The Privacy Act and the CR Code limit what we can do with the information we obtain from a CRB. Generally, Credit Information that we collect from CRBs can only be:
used in relation to the consumer credit products you have applied for or hold through us;
used for our internal management;
used or disclosed in connection with any serious credit infringement that we believe you may committed;
disclosed to our related companies in the Pepkor Group, our agents or our professional advisors in certain circumstances;
disclosed to another entity for the processing and managing of any consumer credit products; or
disclosed to other credit providers in Australia with your express written consent.
What are your rights with respect to CRBs?
You have the right to contact CRBs directly to request that:
they do not use your credit reporting information for ‘pre-screening’ you by credit providers to send direct marketing materials to you; and
they do not disclose credit reporting information without your permission if you believe on reasonable grounds that you have been, or may be, the victim of a fraud.
What are the CRBs credit policies?
Each CRB has its own policy as to how they manage your Credit Information. If you would like to read their policies, please visit their websites or contact them directly. I you have any concerns regarding their response please contact the Financial Ombudsman Service Limited on Phone: 1300 78 08 08.
How do you access and correct your Credit Information?
We will give you access to the Credit Information we hold about you and correct your Credit Information on request. There is no fee for requesting that your Credit Information be corrected or for us to make corrections. In processing your request for access to your Credit Information, a reasonable cost may be charged to cover such things as locating the information and supplying it to you. Where we are required to do so by the Privacy Act and the CR Code, we will endeavour to provide you with access or correct your Credit Information, within 30 days of your request (or provide you with the details of the entity which can provide you with access to, or correct, your Credit Information). Where we correct your Credit Information, we will notify other entities, which we have previously provided that Credit Information to, of the correction as required by the Privacy Act and the CR Code.
How do you contact us or make a complaint?
If you are concerned about how your Credit Information is being handled or if you have a complaint about a breach by us (or by one of the entities to whom we have disclosed your Credit Information) of our obligations under the Privacy Act or the CR Code, please contact our Privacy Officer by:
emailing us at: email@example.com
calling us on: 1300 131 444; or
writing to us at: L1 Building 8, Botanicca Corporate Park, 576 Swan Street, Richmond, VIC, 3121.
We will acknowledge your complaint as soon as we can after receipt of your complaint, and in any event within 7 days, and will let you know if we need any further information from you. We aim to resolve complaints as quickly as possible. If we do not believe we can resolve the complaint within 30 days, we will let you know what is happening and a date by which you can reasonably expect a response.
If you are unhappy with our response, you can approach the Financial Ombudsman Service or the Office of the Australian Information Commissioner.
Financial Ombudsman Service can be contacted at:
Financial Ombudsman Service Limited
GPO Box 3
Melbourne VIC 3001
Phone: 1300 78 08 08
The Commissioner can be contacted at:
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992