Effective date: 1 October 2025
Version: 1.1

This policy explains how Star-Line collects, holds, uses and discloses personal information.

Star-Line means:

• Star-Line Distribution Pty Ltd ABN 70 690 611 388, for Australian accounts and deliveries; and 
• Star-Line Direct Limited company number 9375543 and NZBN 9429053163998, for New Zealand accounts and deliveries. 

The relevant Star-Line entity is generally determined by the customer’s delivery country. The other Star-Line entity may also handle information where reasonably necessary to administer the account or supply goods.

This policy is supplemented by any specific privacy notice given when information is collected, including the Privacy and Credit Assessment Notice in Star-Line’s Trade Account Application.

Depending on our dealings with you, we may collect:

• names, positions, addresses, email addresses and telephone numbers; 
• business, company, trust, ABN, ACN and NZBN information; 
• information about owners, directors, employees, representatives and cardholders; 
• identity information, including a driver licence number where reasonably required; 
• orders, invoices, account records, correspondence and payment history; 
• trade references and commercial credit information; 
• bank, payment card and payment-authority information; 
• delivery instructions and proof of delivery; 
• information relating to complaints, returns, debts, disputes or legal proceedings; and 
• website, account-login and electronic communications information. 

We do not generally require sensitive information. Please do not provide it unless requested and reasonably necessary.

We may collect information:

• directly from you through applications, orders, our website, email, telephone, trade fairs, sales representatives or other communications; 
• from an applicant or customer that provides information about its owners, directors, employees, representatives, cardholders or trade referees; 
• from trade referees, commercial credit information providers, insurers, payment providers and debt collectors; 
• from public registers, business directories and other lawful public sources; and 
• from our related entity and service providers. 

A person providing information about another individual must have authority to do so and must give that individual any privacy notice we require. We may also notify the individual directly where required by law.

Without required information, we may be unable to assess an application, open or administer an account, fulfil an order or provide trade credit.

We may use personal information to:

• open and administer accounts; 
• assess, approve and monitor commercial credit; 
• contact trade references and make lawful credit enquiries; 
• verify identity, authority and account instructions; 
• process orders, deliveries, payments, refunds and credits; 
• prevent fraud and unauthorised account use; 
• manage payment card authorities; 
• register, maintain or enforce security interests; 
• provide customer service and handle complaints, returns and product-safety matters; 
• recover overdue amounts and enforce our rights; 
• obtain insurance, finance, audit and professional advice; 
• maintain and improve our systems, website and business operations; 
• send account communications and permitted business marketing; and 
• comply with legal and regulatory obligations. 

Where additional consent is legally required for a consumer credit report or other credit-reporting activity, we will obtain that consent separately.

Where reasonably necessary and permitted by law, we may disclose information to:

• the other Star-Line entity and our employees, contractors and sales representatives; 
• trade referees and commercial credit information providers; 
• banks, payment processors and other financial institutions; 
• insurers and finance providers; 
• warehouses, carriers and delivery providers; 
• manufacturers or suppliers where needed to resolve a product, warranty or safety issue; 
• accounting, CRM, ordering, cloud, IT, website and communications providers; 
• professional advisers, auditors, debt collectors and enforcement providers; 
• government authorities, courts, regulators and law-enforcement bodies; and 
• a purchaser or adviser involved in a proposed sale or restructure of our business, subject to appropriate confidentiality protections. 

We do not disclose personal information for unrelated purposes unless authorised by the individual or permitted or required by law.

Where trade credit is approved subject to a payment card authority, we may retain the cardholder name, card number, expiry date and evidence of the authority, subject to our merchant arrangements and applicable security requirements.

A CVV or CVC collected for an initial verification or authorised transaction is not retained after that authorisation. It is detached and securely destroyed and must not be copied or scanned.

Payment information is used only for card verification, authorised payments, fraud prevention, refunds, reversals, chargebacks and related account administration.

We may send business customers information about products, promotions, catalogues, events and account offers where permitted by law.

You may opt out at any time by using an unsubscribe facility or contacting us. Opting out of marketing does not prevent us from sending invoices, order information, account notices or other service communications.

Our website may use cookies and similar technologies to operate the website, maintain account sessions, understand website use and improve our services. Browser settings can be used to restrict cookies, although this may affect website functionality.

Star-Line operates in Australia and New Zealand, and information may be transferred between those countries.

Some service providers may store, process or access information from other countries, including the United States of America and others.

Where required, we take reasonable steps to ensure overseas recipients provide appropriate privacy protections. Australian and New Zealand law each impose requirements concerning overseas disclosures. 

We use reasonable physical, technical and organisational measures to protect personal information from loss, misuse, interference and unauthorised access, modification or disclosure.

Access is limited to people who reasonably require the information for their work.

We retain information for as long as reasonably required for the purposes for which it was collected, to administer continuing accounts, meet legal and taxation requirements, and manage claims or disputes. When information is no longer required, we take reasonable steps to securely destroy or de-identify it.

We assess privacy breaches and notify affected individuals and regulators where required by applicable law. 

You may ask to access or correct personal information we hold about you.

You may also complain about how we have handled your information. Contact:

Privacy Officer
Star-Line
Unit 2, 2 Apollo Close
West Gosford NSW 2250 Australia
Email: accounts@star-line.com.au
Telephone: 0494 388 444

We may ask you to verify your identity before providing access or making a correction. We will respond within a reasonable period and within any timeframe required by law. If we refuse a request, we will explain why where required.

We will acknowledge and investigate privacy complaints and generally respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner or the New Zealand Office of the Privacy Commissioner, as applicable.

We may update this policy to reflect changes to our practices, systems or legal obligations. The current version and effective date will be published on our website.