Credit Reporting Policy

2.1. Alinta Energy may collect your credit-related information from, or give your credit-related information to, credit reporting bodies.

2.2. If you have agreed to Alinta Energy obtaining a credit report about you, we may obtain the following types of credit-related information about you from a credit reporting body:

• identification information (such as your name, address, date of birth, employer and driver’s licence number) and other administrative information relating to credit;
• information about credit arrangements you have entered into, and whether the terms of these arrangements have been varied;
• information about credit applications you have made, and whether information about you has been sought from credit reporting bodies;
• information about overdue payments and default listings, and subsequent payments made;
• certain publicly available information related to your creditworthiness such as bankruptcy information and credit-related court judgments.
• whether you have committed serious credit infringement (e.g. credit-related fraud); and
• summaries, evaluations and other information relating to your creditworthiness which is derived by us or by credit reporting bodies wholly or partly based on the information in this subsection.

3.1.  Alinta Energy obtains some credit-related information directly from you, our customer (for example, from an application form you have completed, or when you apply to become an Alinta Energy customer through one of our service providers and/or sales channels).

3.2.  Alinta Energy also obtains credit-related information from credit reporting bodies. For example, when you apply to become an Alinta Energy customer, we may, either directly or through our service providers, obtain a credit report about you.

3.3.  Alinta Energy may use this credit report, as well as other information we hold about you, to make our own assessment of your creditworthiness. For example, we may derive a credit score and risk profile analysis about you.

3.4.  Alinta Energy may also obtain credit-related information about you from other sources, such as joint account holders, other credit providers, internally from our records and past accounts with us as well as publicly available information.

4.1.  The credit-related information Alinta Energy holds is held in secure electronic databases.

4.2.  Keeping your credit information and personal information secure is important to Alinta Energy. We take precautions to protect this information from misuse, interference and loss, and from unauthorised access, modification or disclosure.

4.3.  Alinta Energy security measures include:

• educating our employees about their obligations with regard to your information;
• ensuring our employees and service providers use passwords when accessing our systems;
• using secure networks and encryption when transmitting your information;
• storing your information in secure data centres; and
• requiring any service providers handle your information in a manner consistent with the Privacy Act and Code.

5.1.     Alinta Energy collects, holds, uses and discloses your credit-related information to:

• assess your creditworthiness and make decisions about whether to provide credit to you;
• to derive summaries, and evaluations relating to your creditworthiness which are used in our decision-making processes and ongoing reviews;
• process your application and manage any credit that we provide to you;
• participate in the credit reporting system;
• conduct a risk analysis;
• recover overdue amounts owed to us; and
• comply with our legal and regulatory obligations.

5.2.     Alinta Energy may (as permitted by the Privacy Act and the Code) disclose your credit-related information to a credit reporting body, whether before, during or after the provision of credit, including for the following purposes:

• to obtain creditworthiness information about you; and
• to report defaults.

5.3.     The types of credit-related information we may share with credit reporting bodies include the following:

• identification information (including but not limited to your name, address, date of birth, employer and driver’s licence number); and
• information about your overdue payments (provided we have first notified you as required by the Privacy Act); and
• information about subsequent payments you have made.

5.4.     Alinta Energy may also disclose your credit-related information to the following third parties for the following purposes:

• to credit reporting bodies that collect credit-related information about individuals and use that information to provide a credit-related service to Alinta Energy;
• to Alinta Energy’s service providers, including sales channels who assist us by, for example, providing customer acquisition, onboarding and management and back-office services (this may include us sharing information about your creditworthiness e.g. the outcome of our credit checking processes for risk analysis purposes);
• to debt collection agencies or credit management agencies, whom we assign your debt for the purposes of recovering debts you owe to Alinta Energy;
• to Alinta Energy’s legal and financial advisors for audit purposes;
• to a third party that you or Alinta Energy ask to act as guarantor of any credit provided to you; and
• for other purposes, as required or authorised by law.

5.5.     Alinta Energy does not use, or disclose to any other party, any credit reporting information for the purpose of direct marketing.

6.1. We do not store or send your credit related information:

• outside of Australia; or
• to an external territory.

7.1.     Generally, you have a right to access the credit-related information Alinta Energy holds about you. Before Alinta Energy provides you with this information, we will need to confirm your identity. Where we do not provide you with access, we will tell you why. Access requests should be made by contacting Alinta Energy using the details at the end of this Policy.

7.2.     If you are seeking information on another person’s behalf, we will require authorisation from that person, the authorisation can only be valid for one year and cannot be older than six months.

7.3     That authorisation should contain, at a minimum, the following:

• Details about the person in whose name the access request is being made, including:
  • full name and address;
  • mobile number;
  • date of birth;
  • business name and ABN (if applicable); and
  • signature;
• Name of Agent — the ”access seeker” as defined by the OAIC must be either a legal practitioner or licensed financial counsellor whose details and credential are clearly stated;
• A link to the Agent’s Privacy Policy;
• Full details of the activity or list of activities the Agent is authorised to perform on behalf of the person;
• Details of clear explicit informed consent — where the access seeker has clearly, fully and adequately disclosed in plain English all matters relevant to the consent of the person in whose name the access request is being made including each specific purpose or use of the consent — from the person in whose name the access request is being made and that person  is competent to provide their consent;
• The date the authorisation is given; and
• The duration of the authorisation. 

8.1.  You have the right to seek the correction of the credit-related information Alinta Energy holds about you. Correction requests should be made by contacting us using the details at the end of this Policy.

8.2.  If we are satisfied your credit-related information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take such steps (if any) as are reasonable in the circumstances to correct it. Where required, we will consult with relevant credit reporting bodies, or other credit providers, to assist in resolving your correction request.

8.3.  Where Alinta Energy does not comply with your correction request, we will tell you why.

9.1.  Should you have a complaint relating to a failure by Alinta Energy to comply with our credit reporting obligations under the Privacy Act or the Code, we encourage you to inform us so we can have the opportunity to remedy the issue and find a solution. You can do this by contacting us using the details at the end of this Policy.

9.2.  If your application is declined Alinta Energy does not retain your information and you may be redirected to the credit reporting body (Equifax or Experian — see 11 for their details) for further details about the information they hold about you which informed our decision.

9.3.  If you make a complaint, Alinta Energy will:

• acknowledge your complaint in writing within seven (7) days of you making the complaint; and
• investigate the complaint.

9.4.  If Alinta Energy considers that it is necessary to consult a credit reporting body or another credit provider about the complaint, we will do so.

9.5.  After investigating your complaint, we will make a decision about the complaint and give you a written notice within 30 days commencing on the day on which your complaint is made, or a longer period if you agree in writing, that:

• sets out the decision; and
• states if you are not satisfied with the decision, you may access an external dispute resolution scheme of which we are a member (being the relevant state energy ombudsman) or make a complaint to the Office of the Australian Information Commissioner (OAIC).

9.6.  Alinta Energy will provide contact details for any such external dispute resolution scheme when we notify you of our decision about your complaint. For more information about making a complaint to the OAIC, visit oaic.gov.au/privacy/privacy-complaints.

10.1.  To ask us a question, correct your credit-related information, make a complaint, or get a copy of this Policy, you can contact Alinta Energy:

In all states except WA

For privacy matters:

Postal Address:     

Alinta Energy
PO Box 16196
Collins Street West VIC 8007
Attention: Privacy Officer
Email:   privacy@alintaenergy.com.au
Phone: 1300 170 941

For all other credit-related matters:

Postal Address:     

Alinta Energy
PO Box 16196
Collins Street West VIC 8007
Attention: Credit Team
Email:    ECDefaultListing@alintaenergy.com.au
Phone:  1300 170 941

In Western Australia:

For privacy matters:

Postal Address:           

Alinta Energy
PO Box 8348
Perth WA 6849
Attention: Privacy Officer
Email:    privacy@alintaenergy.com.au
Phone:  1300 170 941

For all other credit-related matters:

Postal Address:     
Alinta Energy
PO Box 16196
Collins Street West VIC 8007
Attention: Credit Team
Email:    DefaultListingSupport@alintaenergy.com.au
Phone:  1300 170 941

11.1.  You can also contact the relevant credit reporting bodies that Alinta Energy uses to review their relevant policy which explain how they manage your credit-related personal information via the contact details below:

Postal Address: 

Equifax Australia
PO Box 964
North Sydney NSW 2059
Email:                     customercomplaintsAU@equifax.com
Phone:                   13 83 32
Web:                       www.equifax.com.au

Postal Address: 

Experian Data Registries
PO Box 7405
St Kilda Rd VIC 3004
Phone:                   13 23 33
Web:                       www.experian.com.au/consumer/order-credit-report

12.1.  Alinta Energy’s Credit Reporting Policy will be reviewed at least every two years or more frequently if changes are required, including when there are legislative changes or changes to our credit and information handling practices.

12.2.  When we change our Credit Reporting Policy, we update it on our website.

12.3.  This Policy was last reviewed in December 2025.