Joy Time is the Exclusive Franchisee in Australia. In keeping with our Value of Respect, Empire Group Financial Investment PTY LTD (Trading as “Joy Time Intelligent Innovation ”) recognises the importance of the privacy of individuals who have dealings with Joy Time, such as customers, suppliers and employees. Joy Time is bound by the Australian Privacy Principles, to the extent required by the Privacy Act 1988. This policy outlines how Joy Time Australia collect, use and manage personal information.

1.1 Personal information Joy Time Collects

Joy Time collects personal information where reasonably necessary for its functions and activities. Personalinformation that Joy Time may hold includes the following:

name, address and contact details;
date of birth;
employment and income details;
bank account details;
details of the products and services provided to an individual by Joy Time;
details of an individual’s dealings with Joy Time, including records of telephone, email and online
interactions;
credit-related personal information (see section 1.4 below).


1.2 How Joy Time Collects Personal Information

Joy Time collects personal information directly from an individual where reasonable and practical. Joy Time may also collect such information from other sources, including:

other entities who provide services to Joy Time related to the products and services provided to an
individual by Joy Time;
publicly available sources of information;
an individual’s representatives (e.g. spouse, professional adviser);


1.3 How Joy Time Uses Personal Information and to Whom it is Disclosed

Joy Time collects, uses and discloses personal information generally to provide an individual with products and services requested, and to respond to queries. Joy Time may also use personal information to make an individual aware of Joy Time ’s other products and services or offerings provided by Joy Time in conjunction with its business partners or associates. Joy Time may not be able to do these things without the individual’s personal information. Joy Time may also collect, use and disclose personal information in connection with potential or actual unlawful activity, misconduct or transfers of Joy Time ’s business or assets.

Joy Time understands the importance of keeping personal information private and only discloses such information to third parties in limited circumstances. Third parties with whom Joy Time usually exchanges information include:

credit providers and credit reporting agencies;
an individual’s representatives;
Joy Time ’s professional advisers including legal, accounting, auditing and business consulting advisers;
government and regulatory authorities;
Joy Time also exchanges personal information with contractors who manage services provided to an individual on Joy Time’s behalf, or who provide services to Joy Time , including:

mailing and delivery services;
billing and debt recovery functions;
customer injury services;
marketing functions;
website data management and technology services.
Parties to which Joy Time discloses personal information may be located in Australia and other countries.

1.4 Credit-Related Personal Information

Joy Time sometimes provides products and services to customers on credit. In connection with this credit, Joy Time does in some cases handle certain consumer credit-related personal information described below (credit-related personal information), including information from credit reporting bodies (CRBs). For example, Joy Time may handle this information in providing credit to sole traders, or where individuals such as directors provide personal guarantees for credit Joy Time provides to their companies.

Joy Time may collect and hold any types of credit-related personal information about an individual permitted under the Privacy Act, including:
name, sex, date of birth, driver’s licence number, employer and three most recent addresses;
confirmation of previous information requests to CRBs made by other credit providers and credit insurers about the individual;
details of previous credit applications, including the amount and type of credit and credit limit;
details of current and previous credit arrangements, including credit providers, start/end dates and certain terms and conditions;
permitted payment default information, including information about related payment arrangements and subsequent repayment;
information about serious credit infringements (e.g. fraud);
information about adverse court judgments and insolvency;
publicly available information about the individual’s credit worthiness;
any credit score or credit risk assessment indicating a CRB’s or credit provider’s analysis of the individual’s eligibility for consumer credit.
This information may include information about an individual’s arrangements with other credit providers as well as with Joy Time.

Joy Time may disclose credit-related personal information to CRBs to assist the CRBs to maintain information about individuals to provide to other credit providers for credit assessments. Joy Time may collect credit-related personal information from CRBs for purposes including, to the extent permitted by law, to assess relevant credit or guarantee applications, manage and review the credit or guarantee, assign debts, collect overdue payments and produce assessments and ratings in respect of the individual’s credit worthiness. Joy Time may also exchange credit-related personal information with guarantors, debt buyers and other credit providers.

use their credit-related personal information to determine their eligibility to receive direct marketing from credit providers; and
use or disclose their credit information, if they have been or are likely to be a victim of fraud.
Please see other sections of this Privacy Policy for further information regarding access, correction, complaints, disclosures (including to other countries) of personal information and how we collect and hold personal information. This Privacy Policy is not intended to limit or Joy Time’s obligations under the Privacy Act in relation to credit-related personal information. Additional privacy consents and notifications may also apply to credit customers and guarantors.

1.5 How Joy Time Stores Personal Information

Joy Time stores personal information at its own premises and with the assistance of its service providers. Joy Time maintains strict procedures and standards and takes a range of steps to prevent unauthorised access to, or disclosure of, personal information and protect an individual’s information from misuse or loss. Once an individual’s information is no longer needed by Joy Time, reasonable steps are taken to destroy or de-identify it.

1.6 Accessing and Updating Personal Information

In most cases an individual can gain access to or update personal information held by Joy Time. To make a request to access or update personal information held by Joy Time , contact Joy Time in writing. Joy Time may need to verify your identity. Joy Time may charge a fee to cover the cost of retrieving and copying requested information.

1.7 Complaints and Further Information

Further information may be obtained about how Joy Time manages personal information from the Privacy Officer (see contact details below). If an individual believes that Joy Time has breached its privacy obligations or that individual’s privacy rights in any way, a complaint can be made to the Privacy Officer (see contact details below). Joy Time will endeavour to act promptly in response to a complaint.

1.8 Joy Time Contact Details

Please contact Joy Time about privacy-related issues by email:
Email: info@joytime.com.au

1.9 Updates to this Policy

This Privacy Policy may vary from time to time and changes will be published on this page.