A credit account means you’ll have a commercial line of credit with Coates so you can:
How to apply
Setting up a credit account with Coates is easy. Just follow these three simple steps:
The credit application form takes between 5-10 minutes to complete. We’ll process your application and notify you of the outcome within 24-48 hours.
To complete your application, you’ll need:
Apply now
Ready to complete the online application? Click the button below to get started.
You can save your application and come back to it at any time.
Need help?
Other ways to trade
If you don’t have a credit account with us, you can still hire using a credit card at any Coates branch or online via Hire Now .
CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
The types of personal information we may collect and hold includes (but is not limited to) personal information about:
Personal information that we collect and may hold include:
You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
We collect personal information in the following ways:
We may also collect information about you from third party suppliers and government database services.
We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
Information that may identify you as a user may be gathered during your access with our website.
Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
CreditorWatch may use or disclose a government related identifier where:
We collect, hold, use and disclose personal information for a variety of business purposes including:
We also collect, hold, use and disclose your personal information to:
If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
The ATI Group and Related Companies
The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
Third Party Service Providers
We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
These standards ensure that your personal information in relation to your consumer credit is managed regarding:
We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
CreditorWatch Privacy Officer GPO Box 4029 Sydney NSW 2001 privacy@creditorwatch.com.au 1800 738 524
We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
Last update: 29 May 2019
1. Introduction
Coates Group Holdings Pty Limited and its subsidiary companies (Coates) value the privacy of individuals and is committed to safeguarding information it receives in connection with its business activities.
To achieve this commitment to privacy, Coates will comply with the Privacy Act 1988 (Commonwealth) and its amendments (the Act), and the Australian Privacy Principles (APPs) set out in that Act. You can see the full text of the APPs online at the Office of the Australian Information Commissioner’s website at: https://www.oaic.gov.au/privacy/australian-privacy-principles/read-the-australian-privacy-principles/.
This policy outlines how Coates collects, uses and manages personal information about an individual and how an individual can make enquiries or complaints about our compliance with the APPs and about any personal information that we hold on file about them.
We may update or change this policy from time to time, including to take account of new or amended laws, new technology or changes to our operations. If we do so we will publish the updated policy on our website. All personal information held by us will be governed by our most recent updated policy.
This policy was last updated in April 2020.
2. What is personal information?
Personal information is defined by the Act as “information or an opinion about an
identified individual, or an individual who is reasonably identifiable:
(a) whether the information or opinion is true or not; and
(b) whether the information or opinion is recorded in a material form or not.”
In general, the personal information we collect about you includes (but is not limited to) your name and date of birth, contact details (including phone numbers and addresses), the company you work for and your role, and financial information including credit card information and information collected from credit reporting agencies.
When dealing with Coates, you have the right to remain anonymous or use a pseudonym. However, we may require you to identify yourself if required by law or if it is impracticable for us to deal with your matter otherwise.
3. Why do we collect personal information?
We collect personal information that is reasonably necessary to conduct our business activities. Generally, personal information will be used for dealing with your contractual obligations to us; your requests and enquiries; or our sales and marketing activities.
We may collect and hold personal information so that we can:
• identify you and conduct appropriate checks, including credit checks;
• understand your requirements and provide you with a product or service;
• set up, administer and manage our products and services and systems, including the management and administration of an account;
• assess, investigate and process any instances of loss, theft or damage arising out of the use or hire of our hire equipment;
• recruit, manage, train and develop our employees and representatives;
• manage complaints and disputes, and to report to dispute resolution bodies; and
• get a better understanding of you, your needs and how you interact with us, so we can engage in product and service research, development and business strategy including managing the delivery of our services through the ways that we communicate with you.
Personal information collected will differ depending on the purpose of collection.
When it is reasonable or practicable to do so, we will collect your personal information directly from you. For example, we may collect personal information from you in the following ways:
• when you provide us with personal information by telephone or email;
• when you access our website;
• when you complete a form; and
• during conversations between you and our representatives.
We may collect credit information about you from a third party such as a credit reporting agency in accordance with our Credit Reporting and Credit Related Personal Information Policy.
4. How will we use and disclose personal information?
Coates will generally use, collect, hold or disclose personal information about you as required for our business functions and activities, which may include the following:
• to provide you with products and services and to send communications requested by you;
• to obtain credit history information about customers and potential customers;
• to tailor our communications to you;
• to send information about future events, promotions, regular email communications or newsletters (both electronic and hardcopy) outlining news, services, products or events;
• to conduct business processing functions;
• for our internal administrative, marketing and planning requirements;
• to compile and report statistics using de-identified information;
• for purposes that are expressly permitted under any agreement with you; and
• where it is suspected that potential or actual unlawful activity has taken place.
We may disclose your personal information to:
• our employees, related bodies corporate, contractors or service providers for the purposes of operating of our website; conducting our business activities; fulfilling requests by you; processing credit card transactions; providing products and services to you; or for one of the purposes set out above;
• suppliers and third parties with whom we have commercial relationships, for business, marketing and related purposes;
• other organisations for authorised purposes with your consent; and
• to debt collectors when payments are overdue.
Coates may share personal information with related companies or with contractors performing services for us. In these instances, we will use reasonable endeavours to ensure that these organisations are required to comply with the APPs.
We may use personal information for direct marketing or to advise an individual about new services and marketing initiatives that may be of interest to them.
These communications may be sent in various forms, such as mail, SMS, fax and email, and social media in accordance with applicable laws. By submitting your personal information to us, you consent to us using your personal information for direct marketing purposes. Any direct marketing material will include a notice allowing you to nominate if you do not wish to receive further direct marketing communications. You can also opt-out of receiving marketing communications from us by contacting us as noted below.
In limited circumstances, we may share your personal information with recipients outside of Australia.
5. Information collected via our website
To ensure we are meeting the needs and requirements of our website users, and to secure and develop our online services, we may collect information by various means including via system log files and cookies. Cookies are unique identification numbers that are placed on the browser of our website users. The cookies do not in themselves identify users personally but are linked back to a database record about them.
When a user visits our site a cookie may be placed on their machine. Where a user has visited us before, the cookie may be read each time they re-visit the site. We do not use this technology to access any other personal information of a user in our records and a user cannot be personally identified from a cookie.
We may use cookies to track use of our website, and to compile statistics on visits to the site in an aggregated form. We may use log files to review the security and performance of our websites. Cookies and log files may contain information such as:
• The username you have used to access a secure area of our website which requires authentication by you;
• the address of a user’s server;
• a user’s top level domain (such as .com or .au);
• the date and time of a user’s visit;
• the pages a user accessed and downloaded;
• the search engine a user used;
• the type of browser that was used.
Coates also uses Google Analytics and Hotjar as tools to assist in collecting the abovementioned data. Further information on how this information is collected and processed can be found at https://policies.google.com/technologies/partner-sites for Google Analytics and at https://help.hotjar.com/hc/en-us/categories/115001323967-About-Hotjar for Hotjar.
6. How will Coates store and manage your data?
The internet is an insecure medium and users should be aware that there are inherent risks transmitting information across the internet. Unencrypted information submitted via email or web forms may be at risk of being intercepted, read or modified.
From time to time, personal information may be held on or within systems internal and external to Coates including public and private clouds and we will take reasonable steps to protect the personal information we hold from misuse and loss, interference and from unauthorised access, modification or disclosure. Coates may also store your data in hard copy.
Coates will securely de-identify or dispose of personal information when we have no further need to use it, or when we are required by law to do so.
7. Email Security
Any emails you send may be automatically examined and filtered for unacceptable content which may result in your email or attachments being held for review. Our IT administrators may have access to your emails to authorise the content for security purposes only and not thereafter.
8. How can I access and correct information?
You may request access to personal information that we hold about you. We will provide you with access to personal information in accordance with the Act and APPs and we may not grant you access to the personal information that we hold where the APPs allow us to do so. If you are refused access to information, we will provide you with reasons for the refusal.
Coates will take reasonable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. If you believe that the personal information we hold about you is inaccurate or out of date, please let us know and request us to amend it. We will consider your request, and if we are satisfied with your request we will take reasonable steps to correct the information. If we do not agree that there are grounds for amendments, then we will follow the procedures set out in the APPs.
All requests for access to personal information must be made in writing to Coates. We may charge a reasonable fee for processing your request.
9. Data Breach
We will provide notice to the Office of the Australian Information Commissioner and to you of any unauthorised access to, disclosure of or loss of your personal information which may result in serious harm to you (“Data Breach”). Serious harm could include physical, psychological, emotional, economic and financial harm, as well as harm to reputation. All notifications, investigations and remedial action regarding any actual or suspected Data Breach will be undertaken in accordance with the requirements of the Act.
10. Contact, complaints and further information
If you have any questions in relation to the information handling procedures of Coates, any complaint regarding the treatment of your privacy or the APPs by Coates please contact the Privacy Officer in writing with the following contact details.
By mail: Privacy Compliance Officer - Coates
Level 6, 241 O’Riordan Street, Mascot, NSW, 2020
By email: privacy.officer@coates.com.au
We may need you to provide more information about your concern. If your concern is genuine, we will investigate the issue and endeavour to provide you with a written response within 30 days of receipt of your written query. Sometimes we might not be able to provide you with a written response within the timeframe specified. If that is the case, we will contact you and explain the reason for the delay and give you a new timeframe for a written response.
If you are not satisfied with our response, please notify the Privacy Compliance Officer in writing. We can escalate your matter and review the response that you were given. You may also direct your issue to the Office of the Australian Information Commissioner by visiting their website at www.oaic.gov.au/privacy/privacy-complaints/
11. Revision History
July 2021
Date
Author
Brief Description of Change
February 2014
Andrew Vlachos
Revision to comply with privacy reforms introduced by the Privacy Amendment (Enhancing Privacy Protection) Act 2012 due to commence in March 2014.
February 2018
Bronwynne Bailey
Revision to comply with privacy reforms introduced by the Privacy Amendment
April 2020
Haydee Rojas-Judd
Revision of policy to keep up-to-date with Coates Hire’s operations and practices.
Pieter le Roux
Updated to match new Brand and reference to Coates versus Coates Hire
General Terms & Privacy
1.1 By signing this Credit Application, You hereby acknowledge and agree that You are applying for a Credit Account with Us on the conditions that You:
(a) warrant that all information provided to Us in relation to this Credit Application is true and complete and acknowledge that We rely on the information in making a decision to grant a Credit Account;
(b) acknowledge that this is a Credit Application and We may accept or refuse this application at Our sole discretion;
(c) expressly acknowledge that You have received, read and understood Our Terms of Hire and Special Conditions - (Terms of Hire) as amended from time to time;
(d) agree that the Terms of Hire, govern each and every item of Equipment You hire from Us unless we have agreed otherwise;
(e) understand, for the avoidance of doubt, that if Your Credit Account is approved and You hire Equipment from Us, except where clause 24 of the Terms of Hire applies:
(i) as security for Your obligations and liabilities under the Hire Agreement, You charge for the due and punctual payment and performance of those obligations and liabilities, all of Your legal and equitable interest (both present and future) of whatsoever nature held in any and all real property;
(ii) without limiting the generality of the charge in this clause, You agree, on Our request, to execute any documents and do all things necessary required by Us to register a mortgage security or other instrument of security over any real property and against the event that You fail to do so within a reasonable time of being so requested, You irrevocably and by way of security, appoint any credit manager or solicitor engaged by Us to be Your true and lawful attorney to execute and register such instruments;
(iii) You will indemnify Us on an indemnity basis against all costs and expenses incurred by Us in connection with the preparation and registration of any such charge and mortgage documents; and
(iv) You also consent unconditionally to Us lodging a caveat or caveats noting Our interest in any of Your real property.
(f) agree that any capitalised terms in this Credit Application have the same meaning as set out in Our Terms of Hire;
(g) warrant that the company, trust and/or each director, partner, individual, sole trader stated in this Credit Application is solvent and can pay its respective debts as and when due and that no steps have been taken to place any of them into bankruptcy, voluntary administration, liquidation, receivership or management; and
(h) warrant that the person who signs this Credit Application is authorised to do so on behalf of You and hereby binds You.
Privacy
2.1 By signing this Credit Application, You consent to and authorise Us:
(a) to obtain any information about any of Your consumer or commercial credit or business history or Your commercial activities or commercial credit worthiness from Your bank or any trade referee disclosed in this Credit Application and any other credit provider or credit reporting agency for the purposes of assessing the application for credit, or in connection with any guarantee and to disclose such information to a credit reporting agency;
(b) to give to a person who is currently a guarantor, or whom You have indicated is considering becoming a guarantor, a credit report containing information about You for the purpose of the Guarantor deciding whether to act as guarantor, or to keep the Guarantor informed about the guarantee. You understand that the information disclosed can include anything about Your credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to disclose under the Privacy Act 1988, and includes a credit report.
(c) unless otherwise prevented by law to collect from, store, use, disclose to or exchange with any of the parties named in clause 2.1 (a) above or any Guarantors or other credit providers named in this Credit Application or named in a consumer credit report issued by a credit reporting agency, third party providers, solicitors, mercantile agents, insolvency administrators, insurers and insurance brokers, persons involved with the collection of trade bills or the factoring of trade debt, information about Your personal or commercial credit worthiness or business history in order to assess the Credit Application (including whether to accept as Guarantor any person signing), monitor the credit worthiness or withdraw credit facilities, notify of Your default, issue trade bills, insure risk, process any payment instructions, direct debit facilities and or credit facilities requested by You and or Guarantor/s to enable the daily operation of Your Credit Account and collect overdue accounts; and
(d) to the extent permitted by law, to disclose the contents of a credit report by a credit reporting agency to Our solicitors or mercantile agents.
2.2 Unless otherwise prevented by law, You consent to the use and storing of any personal information provided for the following purposes and any other purposes as shall be agreed between Us and You from time to time: (a) to manage our business relationship with the You; (b) to administer and manage Our services and systems; (c) to enforce Our legal rights; (d) to enter into contracts with You or third parties, and (e) to market to and maintain a client relationship with You.
2.3 We agree that, in dealing with information disclosed to Us by You pursuant to clause 2.1 and 2.2, We will deal with that information in accordance with the Terms of Hire, Privacy Policy, Credit Reporting and Credit Related Personal Information Policy, the Australian Privacy Principles and the Privacy Act 1988.
2.4 Copies of Our Privacy Policy and Credit Reporting and Credit Related Personal Information Policy are available upon request, or at www.coates.com.au
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Click here to access Coates Terms of Hire.
Accepted Forms of Identification:
- Drivers License
- Medicare Card
- Passport
Please ensure your Certificate of Currency
1) Has not expired
2) Cover the entity applying for a Credit Account with Coates
3) Covers equipment not owned by yourself or your business, but hired-in or under your custody and control
4) Has a valid policy number (TBA as a policy number will not be accepted)
5) Reflects the contact details of the Insurer who has issued the COC.
In support of this application, Individuals or Directors of the Company applying to have a Commercial Credit Account with Coates, can act as personal guarantors for due and punctual payment of all monies owed to Coates by the Customer hiring equipment .
Download the Guarantee, Indemnity & Charge agreement by clicking on the link below. Please complete, sign and return all pages of the document by utilising the Drop Box or Upload link below. If the Guarantors are not available you are welcome to click the “Save for Later” button below and enter your e-mail address. You will be sent a link which allows you to return and complete this application as soon as you have been able to secure the signatures of the Guarantors in order to upload the Guarantee, Indemnity & Charge agreement.
Sole Traders & Partnerships are not required to complete this section, please proceed to the next page.