Terms and Conditions

Terms and Conditions

You are dealing with Veda
You are sending your personal information to Veda Advantage Information Services and Solutions Limited (ABN 26 000 602 862) (“Veda”) to obtain one or more of Veda’s services to consumers.  Veda agrees to provide the Services to you on the following Terms and Conditions.  
 
Definitions
The following definitions apply to these Terms and Conditions:
 
Alerts means an email notification provided by Veda every time a member has specific credit information added or changed on their Credit File.  The email will not contain any content regarding the credit file but will instead advise the member to login to the Veda site in order to view the content of the alert.
Credit Card means any credit card issued in Australia.
Credit File means the record of credit activity provided by Veda for individuals and businesses and includes your credit information file, where applicable.
Member means a person who is eligible to become and who has become a Member in accordance with clause 30 of these Terms and Conditions.
Personal Information means personal information as defined in the Privacy Act.
Service means the service or services provided by us which are specific to the applicable Membership Option and Membership Type chosen by you or any other services offered and provided by us and described as a service on our Website as amended from time to time.
Website means the Veda website at http://www.veda.com.au/yourcreditandidentity
 
General Provisions
The following general provisions apply:
1. These Terms and Conditions constitute the entire agreement between us as to its subject matter and supersedes all prior understandings or agreements between us and any prior condition, warranty, indemnity or representation imposed, given or made by either of us in connection with that subject matter.
2. The failure of either party at any time to insist on performance of any provision of these Terms and Conditions or to fail to exercise a right under these Terms and Conditions is not a waiver of that party's right at any later time to insist on performance of that or any other provision of these Terms and Conditions or to exercise that or any other right under these Terms and Conditions. 
3. No term in these Terms and Conditions shall be regarded as having been waived by a party and no breach shall be taken to have been excused by the consent of a party unless the waiver or consent was signed by the party claiming to have waived or consented. 
4. If any provision in these Terms and Conditions is determined to be invalid or unenforceable it will be severed, however, the other provisions shall remain in full force and effect. 
5. The limitations and exclusions stated in these Terms and Conditions are only intended to operate to the extent permitted by law. Save as expressly set out in these Terms and Conditions, we will not be liable to you for any special, indirect or consequential loss or damage resulting from, or caused or contributed to by, any of our acts or omissions. 
 
Compliance with Laws
6. As you appreciate the provision of these services involves dealing with your personal information including credit reporting information.  It is therefore very important that you acknowledge and agree that:
(a) you are sending your own personal information only;
(b) you are providing accurate, up to date, complete and not misleading information; 
(c) the Privacy Act provides a $30,000 penalty for obtaining by false pretence access to an individual’s credit information file in the possession of a credit reporting agency;
(d) when you become a member your membership will be for your own use; and 
(e) you agree you will not share your membership or access with anyone else.
7. Subject to certain exemptions, you have a right to access personal information that we hold about you.  Please note that under the Credit Reporting Code of Conduct, you may be entitled to access your credit information file without a fee.  
8. Your credit file is based on information provided to Veda by credit providers and others in accordance with the Privacy Act 1988. Veda does not independently check the information supplied to it and Veda does not guarantee the accuracy of that information. You have rights to correct your credit file in accordance with the Privacy Act.
9. By ordering Veda Starter, Veda Access, Veda ID and/or Veda Plan, you are not changing any of the existing rights and obligations as these relate to credit providers and credit reporting agencies respectively or any other third party.  These remain governed by the Privacy Act and are not incorporated expressly or impliedly into these terms and conditions.
10. Certain legislation may imply warranties or conditions or impose other obligations including statutory consumer guarantees which cannot be excluded, restricted or modified except to a limited extent.   These terms and conditions must be read subject to those statutory provisions.  
11. To the extent permitted by law, we and our third party data and service providers exclude all express or implied representations, guarantees, conditions, warranties and terms relating to the supply of the services under Veda Starter, Veda Access, Veda ID and Veda Plan that apply under or are implied by statute, custom, law or otherwise, except those set out in these terms and conditions. 
12. If in our supply of the Veda Starter, Veda Access, Veda ID or Veda Plan service to you, we are liable for a breach of any guarantee, warranty, condition or other term that applies under the Competition and Consumer Act 2010 or is implied by any state or territory law that cannot be excluded, our liability under that legislation is limited, to the extent permitted by law, to the re-supply of the Veda Starter, Veda Access, Veda ID or Veda Plan service or the payment of the costs of having the Veda Starter, Veda Access, Veda ID or Veda Plan service supplied again, whichever we elect.  In our absolute discretion and instead of either of the foregoing two options, we may elect to refund to you the amount you have paid us for the relevant service to which your claim relates.  
13. To the extent permitted by law, we and our third party data and service providers are not liable to you or to anyone else for any loss or damage (including without limitation loss of profit, revenue or business, indirect, consequential, special or incidental loss or damage) which arises or might arise if it were not for this clause.
14. If you are dissatisfied and that dissatisfaction is, in Veda’s opinion based on objective evidence is well founded, Veda will refund the price payed for the report.
15. Where the service we provide you includes insurance, that insurance is subject to the terms of the Veda insurance policy [hyperlink to: www.veda.com.au/yourcreditandidentity/recovery-insurance-pds]
 
Proof of Identity
16. Given that we are dealing with personal information, Veda takes reasonable steps to satisfy itself that all personal information it discloses goes to the correct person.  Additionally, under section 1.10 of the Credit Reporting Code of Conduct we are required to obtain such evidence as is reasonable in the circumstances to satisfy ourselves as to your identity.  Accordingly, Veda may make enquiries to help satisfy itself that you are who you say you are.  Veda may provide you with an option to self-verify using your Passport details and/or your Medicare details.  The decision whether or not self-verify remains yours.  If the information you provide Veda does not meet Veda’s current security requirements Veda may contact you and ask you to provide additional documentation to prove your identity. In this case Veda may take longer than one business day to provide your credit file, and Veda will not provide a refund for this delay.  If you do not provide sufficient information and/or Veda is not satisfied that you have proved your identity, Veda may refuse to supply you with any part or the whole of the service.  In the event that you have already paid for the service a refund will be provided in whole or in part as the case may be.  If after one business day Veda has neither sent your credit file nor contacted you to ask you to provide additional information you may request either a refund or a re-supply of your credit file. 
17. Veda and its related companies may, at any time, use and disclose your personal information to:
(a) Manage the provision of reports and related services
(b) Monitor Traffic on the website
(c) Data management  for quality related purposes
(d) Investigate any complaint made by you or on your behalf, either privately or by a relevant regulator or law enforcement agency.
(e) Enrich data sources owned or affiliated with the Veda Group of companies.
Veda’s third party data and service providers may use and disclosure your personal information for the purposes of providing its products, including those that form part of the Identity Watch service as revised from time to time, to Veda’s customers as long as those customer’ membership includes the third party provider’s product.
 
Direct Marketing Consents
18. Veda and its related companies may, at any time, use your personal information for marketing purposes and send you information about Veda or its related companies’ products or services.  This will include promotional material including but not limited to communications of the following kind:
(a) Newsletters
(b) Competitions
(c) Surveys
(d) Promotions on existing or new products
(e) Other, if any
Veda may do so by using a variety of means including:
(a) electronic means such as emails, SMS, MMS or similar devices
(b) hardcopy to your nominated address; and
(c) subject to Do Not Call Register, call you.
Veda and its related companies may, at any time, disclose your information to its clients for marketing purposes who will send you marketing information similar to the above.
19. In doing so, Veda will be expressly relying on the consent that you have provided on the website when you subscribed to the Service.  At all times you are free to choose not to receive some or all of the marketing communications sent by Veda or on Veda’s behalf.  In order to exercise that choice you need to communicate that to :
Veda
PO BOX 964
NORTH SYDNEY NSW 2059
Or call us on 138 332
20. In doing so, Veda may disclose any of this information to its related bodies corporate or service providers of Veda or its related bodies corporate where such disclosure is required to conduct the marketing and related commercial activities set out above.
 
Communication
21. All product related information will be communicated to you via electronic communication.
 
IP Rights and Use of Information
22. Veda has copyright and other rights in the compilation of the information Veda uses to supply the Veda Starter, Veda Access, Veda ID or Veda Plan services to you. Veda grants you a non-exclusive licence to use such a service for your own personal use only.
 
Notice
23. Veda can vary these terms and conditions at any time by prior written notice of at least 14 days on its website. 
 
Governing Law
24. These terms and conditions are governed by the laws of New South Wales and both Veda and you submit to the non-exclusive jurisdiction of the courts of that state. 
 
Payment
25. You will pay the current price of the Veda Service and or packages as advertised on Veda’s web site or special offer using any electronic means of payment that Veda chooses to accept at any given time such as credit card or BPAY.  Please note that if there is no file pertaining to your request you will still be charged the same amount as the scheduled fee for this service for processing your request and delivery of our feedback.
26. Within one business day after you provide your information and pay Veda via its website Veda will provide one copy of your credit file via the Veda Credit and Identity portal (although it may take longer, see Clause 16) .
27. Veda does not guarantee the security or availability of its website, the internet, email, Resolution Centre or mail.
 
Force Majeure
28. Neither party will be liable for any failure to comply with these Terms and Conditions or any other agreement with you if, and to the extent that, that failure is caused by an act, omission or event beyond our reasonable control.  In any such event, the time for performance of obligations under these Terms and Conditions will be extended by the same period or periods for which performance is delayed.  Whoever of us is affected will use their best endeavours to avoid or remove such causes of non-performance.
 
Identity details
29. For security and related reasons you must provide us with an up-to-date and a valid email address.  If for any reasons you change your email address you must notify us of that change immediately.  This is essential for you to receive notification of reports and alerts.  You can do this by contacting Veda on 138 332.
 
Membership Eligibility 
30. To be eligible for a Membership you must:
(a) permanently reside in; and
(b) have a postal and residential address in Australia; and
(c) agree to be bound by these Terms and Conditions.
 
31. You agree to your credit card and phone number being prepopulated in the Identity Watch area of your membership. Should you wish to disable these details from being monitored you can go into the Identity Watch area and delete the details.
 
Membership Services
32. Subject to you agreeing to these Terms and Conditions and paying the Membership Fee where applicable, you are entitled to receive the Services applicable to your Membership Option for your Membership Type for the Membership Period from the date of your Membership application or renewal.
33. Where the Membership Option for your Membership Type includes Identity Watch and alerts, the phone number and email address that you used during the enrolment process will automatically be monitored as part of this service, however, you can change and update these details via the Online Service.
 
Online Service
34. You may view, manage and update your Membership information through the online service on our Website ("Online Service"). You will be provided with a password for login purposes. You must keep your login details secure.
35. We do not warrant that the Online Service will be fault free or available without interruption and, to the extent permitted by law, exclude all representations and warranties in relation to the Online Service.
 
Membership Fee 
36. The initial Membership Fee is payable at the time you sign-up for Membership via the Veda Credit and Identity portal and choose a Membership Option and will be the amount specified on our Website or as notified to you at the time of Membership.
 
Termination
37. You may terminate your subscription to Veda Credit and Identity by telephoning Veda on 138 332 and giving Veda 2 weeks’ notice.  Subject to Clause 16 you will not be entitled to any refund upon termination by you.  Terminating under this clause does not change the consent for use or disclosure of your personal information provided under these terms and conditions.  If you wish to withdraw your consent you must do so in accordance with Clause 19. 
 
Renewal 
38. We will issue a Membership renewal notice at least 14 days before the expiry of your Membership which will:
(a) set out the annual Membership Fee payable, which we may change each year at our discretion;
(b) set out the payment methods available; and 
(c) provide you with the ability to notify us if you do not wish to renew your Membership.
39. Unless you notify us otherwise, your Membership will be automatically renewed for another one year, unless agreed to be a longer or shorter period as the case may be, and the Membership Fee applicable for that period will be payable by you. If you elect not to renew your Membership, your Membership will cease.
 
Upgrades
40. Members may upgrade their existing Membership Option to another Membership Option, via their online account or over the phone.  You will need to pay the difference between the Membership Fee for your current Membership Option and the Membership Fee for the new Membership Option.
 
Downgrades
41. Members may downgrade their existing Membership over the phone. If you downgrade from one Membership Option to a cheaper Membership Option you will not be refunded the difference between your current Membership Option and your new Membership Option.
 
Introductory Rates
42. From time to time we may offer a special Introductory Membership offer.  If you take up this offer the standard Membership Fee will apply after the introductory offer expires. 
43. Standard fees are subject to change.  Notification will be provided 24 hours in advance on both the website and through a published newspaper.
 
Free Trial
44. If applicable, in the event you are offered a free trial, your Membership will continue and a Membership Fee will be payable and automatically billed to your credit card, based on the Membership Option you are on, unless you expressly cancel your Membership by calling Veda on  138 332 prior to the end of the free trial period.
 
Complimentary Membership 
45. If you are provided with a complimentary Membership by Veda or a third party and that offer is either withdrawn or expires, you understand that you will be able to renew your own Membership at your own cost, and that you may choose a different Membership Option from the complimentary Membership previously provided to you.
 
Payment 
46. You agree that unless you notify us otherwise, whenever the Membership Fee is payable under clauses 38 we can automatically charge your nominated open credit card account, regardless of whether or not the date on the credit card has expired, or directly debit your nominated bank account, if we have an agreement with your bank that allows us to do so. You must advise us immediately if the card or bank account details provided to us for the purposes of charging your Membership Fees is no longer current.
 
Failure to pay
47. If we do not receive Membership Fees by the due date, your Membership will lapse and you will no longer be entitled to the Service.
 
Third Party Payment
48. If your Membership Fees are paid by a third party and that party does not renew your Membership, we will contact you directly to give you the option of renewing your Membership but it may be that you must choose a different Membership Option.
 
Cancellation for Breach
49. We can suspend or cancel your Membership immediately by giving you written notice if in our reasonable opinion you are misusing your Membership, you have breached the Terms and Conditions of use or breached the Privacy Act 1988.
 
Varying these Terms and Conditions
50. We reserve the right to amend these Terms and Conditions at any time by giving at least 14 days’ notice on our Website. ('Notice of Variation').
51. If you do not agree to be bound by the varied Terms and Conditions you may cancel your Annual Membership by advising us within 30 days of our Notice of Variation. If you cancel your Annual Membership within this 30-day period, you will be entitled to a pro rata refund of that part of your Membership Fee that relates to the unexpired portion of the relevant Membership year.
52. If you do not ask us to cancel your Membership within 30 days of a Notice of a Variation from us, you agree to be bound by the Terms and Conditions as varied.
53. If you do not agree to be bound by the varied Terms and Conditions you may cancel your Monthly Membership by advising us within 90 days of our Notice of Variation. If you cancel your Monthly Membership within this 90-day period, you will not be entitled to a pro rata refund of that part of your Membership Fee that relates to the unexpired portion of the relevant Membership year.
54. Notwithstanding anything contained in this clause, we do not need to notify you of variations to these Terms and Conditions to provide for additional types of Membership or additional Services.
55. In some cases we may need to rely on third party data providers or other service providers to deliver our services to you. Where those data providers or other service providers increase their fees for their data or services we may, at our sole discretion, increase our fees and charges in respect of some or all of such increases.