Privacy and Credit Reporting Policy - SIN Eyewear

The sineyewear.com.au website (“Website”) is owned and operated by Pacific Optics Pty Ltd (ABN 96 064 312 107) (referred to as “we”, “our” or “us”).

We are committed to respecting the privacy of your personal information and complying with the Australian Privacy Principles, the Privacy Act 1998 (Cth) (“Privacy Act”), and the Privacy (Credit Reporting) Code (“CR Code”).

This Policy sets out our personal information management practices, including how we collect, use, disclose, store and handle your personal information, including credit-related information.

By submitting your personal information to us, or visiting the Website and/or accessing our services, you acknowledge and consent to the collection, use, disclosure, storage and handling of your personal information (including credit-related information) in accordance with this Policy.

PERSONAL INFORMATION COLLECTED

The type of personal information we collect is dependent on the type of service or interaction you have with us.

Personal information we may collect includes, but is not limited to:

  • your contact details, including your name, address, phone and other contact details (fax, email etc);
  • your date of birth;
  • your transactional order and payment details;
  • other information reasonably relevant to the provision of our services, such as records of which products you are interested in and which products you purchase as well as customer traffic patterns and site use;
  • information about where you shop or what your interests are, so that we can improve our service and product offering to you; and
  • any other personal information you provide to us in relation to your access to the Website or our services.

When visiting the Website or accessing our services, we may also collect and store the following information:

  • your IP address;
  • your browser type;
  • the webpage you were visiting before you came to our Website;
  • details of the pages within the Website you visit; and
  • the time spent on those pages, items, and information searched on our Website, access times, dates and other statistics

If you apply for a position with us, we may also collect information about your qualifications, skills, experience, character and screening checks (including health, reference, background, directorship, financial probity, identity, eligibility to work, vocational suitability and criminal record checks).

ANALYTICS AND TRACKING TECHNOLOGIES

We may use third-party analytics and tracking tools to better understand how users interact with our Website and to improve our services. These tools may include technologies such as Microsoft Clarity, which capture behavioural metrics, heatmaps and session replay data, including mouse movements, clicks, scrolling and navigation behaviour.

We may also use analytics and marketing platforms (such as Google Analytics, Shopify and email/SMS marketing providers) to analyse Website usage, personalise content, deliver relevant marketing and measure campaign effectiveness.

These technologies may use cookies, pixels and similar tracking mechanisms and may combine this information with other personal information we hold about you.

CREDIT INFORMATION COLLECTED

We may collect credit-related information about you in connection with the provision of credit, which includes:

  • your identification details, including your name, address, date of birth and identification documents;
  • personal information contained in commercial credit checks obtained from background screening providers;
  • your credit file and history, including your repayment history;
  • court proceedings information that relates to any credit that has been provided to, or applied for, by you;
  • other information relating to your credit standing, credit worthiness, credit score, history or capacity that credit providers can disclose, including credit reports; and
  • information regarding court proceedings related to your credit, your personal insolvency information and any other credit-related publicly available information relating to you.

HOW AND WHY PERSONAL INFORMATION COLLECTED

We only collect personal information (including credit-related information) through lawful and fair means, including for the purposes of providing you with access to our Website and services.

It is our usual practice to collect personal information (including credit-related information) directly from you, for example when you subscribe to our emails, join a mailing list, enter a competition, submit an enquiry, or provide feedback to us. However, there are also certain situations in which we may collect personal information about you from someone else. For example we may collect information from third parties including public sources, your organisation, your representatives, credit reporting bodies and information service providers.

We may collect personal information from our related companies in the Marlin Brands Group (“Related Companies”) for the purposes of data analytics across websites in the Marlin Brands Group and to enable us to better customise your experience and our service offering to you.

We may collect personal information (including credit-related information) from you in circumstances such as when you:

  • are browsing or otherwise interacting with our Website;
  • registering an account on our Website;
  • submit an application or form to us for a product or service;
  • submit an application to us for a credit account;
  • communicating with us through written correspondence, telephone calls, chats, emails or when you share information with us through other social applications, services or sites;
  • audio/video surveillance records from our premises and details of your interactions with us (including records of email, telephone and online interactions); and
  • interact with us, our services, content or advertising.

USE OF PERSONAL INFORMATION

We use your personal information (including credit-related information) to deliver, administer and improve the products and services that we offer you and as reasonably necessary to allow us to perform our functions and activities. This includes, but is not limited to:

  • verify your identity and to otherwise interact and communicate with you;
  • assess your application for credit, including to assess your credit worthiness;
  • complete transactions with you or on your behalf;
  • protect against fraud or theft;
  • conduct market research;
  • work with our service providers;
  • maintain and update our records;
  • manage our recruitment process;
  • protect and uphold the rights, property and safety of us, our customers and others;
  • facilitate acquisitions and potential acquisitions of our business and assets;
  • undertake product and service development, quality control and research to improve our Website and the way Pacific Optics and our Related Companies and service providers provide products and services to you;
  • communicate with you, including to provide offers and promotions that we consider may be of interest or benefit to you, being offered by either us or our Related Companies; and
  • as otherwise permitted or required by law (such as to comply with obligations under the Privacy Act in relation to mandatory data breach notification).

In the event we hold personal information (including credit-related information) that is unsolicited, and we were not permitted to collect it, the personal information will be destroyed as soon as practicable. If we collect personal information about you from someone else, such as a credit reporting body, we will advise you, as soon as and as far as practicable, that this information has been collected and the circumstances of the collection unless otherwise required or authorised by law.

DISCLOSURE OF PERSONAL INFORMATION

We may disclose your personal information (including credit-related information) to:

  • our Related Companies;
  • third parties that assist us in providing products and services you have requested, such as delivery service providers and fulfilment managers;
  • debt collection agencies and process services;
  • parties that you authorise us to disclose your personal information;
  • in respect of your credit-related information, to other credit providers or credit reporting bodies (with your consent or as permitted under and in accordance with the Privacy Act and CR Code);
  • government and regulatory authorities, as required or authorised by law;
  • our professional advisors; or
  • other third parties permitted by law.

For example, we may provide personal information about you to our service providers who assist us in providing our goods and services. These may include companies that assist Pacific Optics with data processing and analysis, research, mail, promotional, customer contact, technology, banking, payment, debt collection or maintenance services. We will only disclose your personal information to those third party service providers on a confidential basis so that the service provider can effectively provide those services.

Third parties to whom we disclose personal information (including credit-related information) may from time to time be located overseas. You consent to any such overseas disclosure and acknowledge APP 8.1 will not apply to such disclosure.

We may hold your personal information (including credit-related information) on servers in Australia and any other territories as we see fit from time to time, subject to the requirements of the Privacy Act and CR Code.

DISCLOSURE TO CREDIT REPORTING BODIES

Credit reporting bodies are able, under applicable privacy regulation, to handle personal information relating to credit. We may disclose your credit-related information to the following credit reporting body:

Creditorwatch
Call: 1300 50 13 12
Mail: GPO Box 276, Sydney, NSW, 2001
Web: creditorwatch.com.au

Credit reporting bodies are required to have a policy which explains how it will manage your personal information. You can obtain copies of their policy from the respective website listed above.

NOTIFIABLE MATTERS

The CR Code requires us to notify you of the following matters in relation to your credit-relation information:

  • If you apply for a credit account or otherwise seek to procure our products or services, we may request credit reports from credit reporting bodies. We do not require your consent to do this.
  • An information request relating to the request for the credit report will appear on your credit report and may be used and disclosed by the credit reporting body or other credit providers to assess your credit worthiness, including calculation of a credit score or credit rating. Information requests on your credit report can affect your credit score depending on the amount and type of credit you are applying for, frequency of information requests appearing on your credit report and your credit history.
  • The credit reporting body may include the credit-related information we provide to it in reports, which it then provides to other credit providers to assist those other credit providers to assess your credit worthiness.
  • If you fail to meet your payment obligations in relation to consumer credit, or commit a serious credit infringement, we may disclose this to a credit reporting body.
  • You can request a copy of this Policy by contacting us, or obtain it directly from our Website.
  • You can obtain a copy of the credit reporting bodies' credit reporting policies using the contact details set out above.
  • You have the right to:
    • access credit-related information we hold about you;
    • request that we correct the credit-related information we hold; and
    • make a complaint to us, using the details as set out below.
  • You can request a credit reporting body not to use your credit reporting information for the purposes of pre-screening or direct marketing by us.
  • You can request a credit reporting body not to use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, the victim of fraud.

You may request these matters relating to notifiable matters (and this Policy) be provided to you in an alternative form.

COOKIES

We may utilise “cookies” when you visit our Website, which enables us to operate an efficient service and track the patterns of behaviour of visitors to the Website. A cookie does not identify you personally but does identity your computer. You can set your browser to notify you when you receive a cookie and this will provide you with an opportunity to either accept or reject it in each instance. Please note that cookies allow you to take full advantage of the services we provide through the Website and so we recommend that you leave them turned on.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

ACCESSING AND UPDATING YOUR PERSONAL INFORMATION

We take reasonable steps to make sure that the personal information (including credit-related information) we collect, use and disclose is accurate, complete and up-to-date.

Under the Privacy Act and CR Code, you have rights:

  • to check whether we hold personal information (including credit-reporting information) about you and to access such information; and
  • to require us to correct, as soon as reasonably practicable, your personal information we hold.

If you need to access or correct any personal information (including credit-related information) that we hold about you, please contact us using the “Contact Details” set out below. We request that you provide us with as much detail as you can about the particular information you seek access to, or correction of, in order to help us retrieve it.

An access fee may be charged to cover our costs of providing the requested information to you. In certain circumstances, we may refuse to provide you with access or to correct your personal information (including credit-related information) including, but not limited to where:

  • giving access would pose a serious threat to the life, health or safety of any individual, or to public health or public safety;
  • giving access would have an unreasonable impact on the privacy of other individuals;
  • the request for access is frivolous or vexatious;
  • we cannot reasonably verify your identity;
  • giving access would be unlawful; or
  • denying access is otherwise required or authorised by law.

If that is the case, we will give you our reasons for that decision. Where we decide not to update your personal information (including credit-related information), you can request us to attach to the personal information a statement of the update sought. In some circumstances where we correct a record, we may still require the retention of the original record.

SECURITY AND STORAGE OF PERSONAL INFORMATION

We take reasonable steps to protect the personal information (including credit-related information) we hold from misuse, interference and loss and from unauthorised access, modification or disclosure. This protection applies in relation to information stored in both electronic and hard copy form. We may hold personal information (including credit-related information) both at our own premises and with the assistance of our service providers.

We use a number of procedures and processes to ensure, where possible, the security and integrity of your personal information (including credit-related information) including by:

  • maintaining physical access restrictions, password protections and technology products to prevent unauthorised computer access;
  • securely destroying or de-identifying your personal information (including credit-related information) when it is no longer needed for any purpose for which the information may be used or disclosed under this Policy, except as required or authorised by law or for our record retention purposes; and
  • in respect of your credit reporting and eligibility information, irretrievably destroying it or otherwise putting it beyond use.

We use 256 - bit SSL (secure sockets layer) encryption technology when processing your financial details. 256-bit SSL is the industry standard. To further secure your credit card, we also don’t keep details of your credit card information, including the security code (or CCV number) that you need to input in order to complete an order using your credit card.

While we strive to protect your personal information (including credit-related information), we cannot guarantee 100% the security of any information (personal or other) you transmit to us over the internet. Therefore, we do not warrant the security of any information you transmit to use over the internet and you do so at your own risk.

MARKETING COMMUNICATION

You may elect to opt-out of receiving direct marketing and promotional communications by contacting is by email using the contact details provided below, or by any other simple means to opt-out that we provide you. However, some of our services may include a direct marketing and promotional communications feature as part of the service which cannot be removed and, as such, you may not be able to access or use some of our Website or services if you elect to opt-out of all direct promotional and marketing communications. 

THIRD PARTY SITES

Please be aware that our Website may contain links and pointers to other websites maintained by third party providers. These links are provided for your convenience only.

These third party websites are not under our control and we are not responsible for such sites (including the suitability for your intended use of those sites). We do not endorse or recommend any third party website or any associates provider organisation or third products or services. You are responsible for reading the privacy policies or statements of those third party websites.

Contact details

If you have any questions or feedback in relation to this Policy, wish to exercise any rights under this Policy, the Privacy Act or the CR Code, wish to make a complaint about the way in which we have handled your personal information, including under the Privacy Act or the CR Code, or you would like to request a printed copy of this Policy, please contact us at – privacy@pacificoptics.com.

We take your privacy concerns seriously. Where you express any concerns that we have interfered with your privacy, we will respond to let you know who will be handling your matter and when you can expect a further response. For information about privacy generally, or if your concerns are not resolved to your satisfaction, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au and on 1300 363 992.

CHANGES TO THIS POLICY

We reserve the right to change, modify or update this Policy at any time, without liability to you, by publication on the Website. You will be bound by the changes immediately upon publication.

If you continue to engage, deal, enquire of or interact with us or continue to access or use our Website, products or services, you represent and warrant to us that you have accepted the terms of this Policy as amended.

This Policy was last updated on 01/06/2026.