Australian Credit Reporting Policy

1.1.    ResMed will only collect, use, hold and disclose credit-related personal information that relates to you for the purpose of assessing an application for credit made by you to us for the purpose of you entering into a Subscription Plan. This information includes information as to your identity and creditworthiness. We will only disclose this information to Equifax, a Credit Reporting Body, if you give us consent to do so.  

1.2.    ResMed will collect and hold the following information from you:

1.2.1.    identification information, including your title, first name and last name, your date of birth, your contact details and any other details in your My Account.

1.2.2.    your health insurance details and information about your healthcare professionals, including your treating physicians and homecare providers.

1.2.3.    your payment details, your repayment history with ResMed and any outstanding amounts owed to ResMed.

1.2.4.    credit reports from Credit Reporting Bodies.

1.2.5.    information about the products and services you use.

1.2.6.    your sleep, health, and health-related lifestyle information.

1.2.7.    any other information you provide to us.

1.3.    ResMed will collect and hold information in the following way:

1.3.1.    As part of your application for a Subscription Plan, to assess your application for credit

1.4.    You can access ResMed’s policy on the collection of personal information here.

1.5.    You can access Equifax’s policy on the collection of personal information here.

2.1.    Information about your credit eligibility is important to allow ResMed to assess whether it will provide you with credit under the Subscription Plan.

2.2.    ResMed will disclose to Equifax, a Credit Reporting Body that ResMed uses, the following types of credit information and credit eligibility information about you:

2.2.1.    identification information.

2.2.2.    information to your My Account, including any outstanding amounts and your repayment history.

2.2.3.    information relating to a payment default, including the fact and date of the default, and the outstanding amount.

2.3.    ResMed will disclose this information to Equifax if:

2.3.1.    you have committed a serious credit infringement, including obtaining consumer credit fraudulently; or

2.3.2.    you are 60 days overdue in making a payment of $150 or more, and we have provided you with:

a.    written notice requesting payment of the outstanding amount; and

b.    30 days prior written notice informing you that we will disclose your credit eligibility information to Equifax if you do not pay the outstanding amount.

2.4.    ResMed will only use your information to perform a credit check as a precondition to you entering into a Subscription Plan. ResMed will not collect this information without our explicit consent to collect such information from you.

3.1.    You can access your own credit eligibility information held by ResMed by contacting ResMed directly.

3.2.    You can at any time contact us to request that your personal information be corrected. Your personal information includes:

3.2.1.    credit information relating to you; and

3.2.2.    information (including personal information) that we have obtained from Equifax, a Credit Reporting Body that ResMed uses, with a bearing on your credit worthiness or which has been used to establish your eligibility for consumer credit.

3.3.    We will correct any information that we are satisfied is inaccurate, out of date, incomplete, irrelevant or misleading within 30 days from when you made the request, or a longer period to which you have agreed. In order to be satisfied, we may consult Equifax, a Credit Reporting Body that ResMed uses, or another credit provider.

No charge applies to you in correcting or requesting your information to be corrected. We will within a reasonable period give you and any other parties that we have consulted written notice of the correction.

3.4.    If we are unable to correct any personal information, we will provide you with written notice to that effect setting out the reasons that we cannot, including evidence to prove the correctness of the existing information.

3.5.    If you are not satisfied with our response to your request, you may:

3.5.1.    complain directly to AFCA. AFCA’s contact details are outlined below:

a)    Website: www.afca.org.au

b)    Telephone: 1800 931 678 (free call)

c)    Email: info@afca.org.au  

d)    In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

3.5.2.    make a complaint to the Office of the Australian Information Commissioner. For more information, please consult the Office of the Australian Information Commissioner at https://www.oaic.gov.au/ or 1300 363 992.

4.1.    If you consider that we may have breached any of our obligations as outlined in this policy, you may submit a complaint to us by contacting us directly by phone, email or in-person and specifying the nature of the complaint. 

5.1.    ResMed will within 7 days of a complaint being made by you, give you with written notice that acknowledges the making of the complaint and outlining how we will deal with your complaint.

5.2.    We will provide you with a notice outlining our decision in relation to your complaint within 30 days of the complaint being made or within a longer period as agreed with you. This notice will provide you with our decision and indicate that if you are not satisfied with our decision, you may:

5.2.1.    complain directly to AFCA. AFCA’s contact details are outlined below:

a.    Website: www.afca.org.au

b.    Telephone: 1800 931 678 (free call)

c.    Email: info@afca.org.au  

d.    In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

5.2.2.    make a complaint to the Office of the Australian Information Commissioner. For more information, please consult the Office of the Australian Information Commissioner at https://www.oaic.gov.au/ or 1300 363 992.

6.1.    We will provide you with a notice in writing indicating that we intend to disclose information concerning your default to Equifax, a Credit Reporting Body that ResMed uses. We encourage you to contact us once you receive this notice.

6.2.    If we do not receive a response within 14 days of sending the notice to you, we will report information relating to your default to Equifax.

6.3.    ResMed may be entitled to inform Equifax if You fail to meet Your payment obligations in relation to the Plan or commit a serious credit infringement. A serious credit infringement may include circumstances where a person moves without paying their debts or updating their contact details, or fraudulently obtaining credit.

7.1.    ResMed may disclose your information to recipients in locations outside of Australia for the purposes of assessing your application for credit and your creditworthiness. For more information, please see our Privacy Policy: https://www.resmed.com.au/privacy-policy.

8.1.    The Privacy Act 1988 (Cth) allows Credit Reporting Bodies to use credit reporting information to assist credit providers who wish to direct market to you (also known as "pre-screening"). You have the right to contact a Credit Reporting Body and request that a Credit Reporting Body does not use your information for this purpose, at no cost to you.

8.2.    You also have the right to request a Credit Reporting Body not to use or disclose your credit-related personal information if you reasonably believe that you have been or are likely to be a victim of fraud.

8.3.    You can contact Equifax, the Credit Reporting Body that ResMed uses, using the contact information provided in this policy.

9.1.    If you have a question or a complaint, we are happy to assist you over email, telephone or in person at one of our stores:

a)    Website: www.resmed.com.au/support-service

b)    Telephone: 1800 737 633 (free call)

c)    Email: info@resmed.com.au

d)    Find a ResMed store: www.resmed.com.au/store-finder  

9.2.    We are a member of the Australian Financial Complaints Authority (AFCA). If an issue has not been resolved to your satisfaction, You can lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free.

a)    Website: www.afca.org.au

b)    Telephone: 1800 931 678 (free call)

c)    Email: info@afca.org.au

d)    In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001