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VERBS
act~~s~ed~ing
agree~~s~d~ing
appl~y~ies~ied~ying
believ~e~es~ed~ing
breach~~es~ed~ing
carr~y~ies~ied~ying
ceas~e~es~ed~ing
collect~~s~ed~ing
consent~~s~ed~ing
contain~~s~ed~ing
contend~~s~ed~ing
contraven~e~es~ed~ing
disclos~e~es~ed~ing
ensur~e~es~ed~ing
f~all~alls~ell~alling
giv~e~es~en~ing
includ~e~es~ed~ing
ke~ep~ep~ept~eps
ma~ke~kes~de~king
maintain~~s~ed~ing
obtain~~s~ed~ing
permit~~s~ted~ting
prevent~~s~ed~ing
propos~e~es~ed~ing
receiv~e~es~ed~ing
request~~s~ed~ing
requir~e~es~ed~ing
s~eek~eeks~ought~eeking
satisf~y~ies~ied~ying
t~ake~akes~ook~aking
us~e~es~ed~ing

THING the act or practice
STRING the address of the credit reporting agency
DOLLAR the amount of credit facility which has been rejected
PERSONTHING the assisting authority
PERSON the author of the letter
PERSON the borrower
PERSONTHING the credit provider
PERSONTHING the credit reporting agency
DATE the date of application for credit
DATE the date of collection of the information concerned
DATE the date of commencement of the Act
DATE the date of disclosure of the 60 day overdue credit information
DATE the date of disclosure of the prohibited information
DATE the date of inclusion of the 60 day overdue credit information
DATE the date of inclusion of the prohibited information
DATE the date of provision of the commercial credit concerned
DATE the date of use of the prohibited information
DATE the date on which the bankruptcy order was made
DATE the date on which the cheque was dishonoured for the second time
DATE the date on which the court judgment was made
DATE the date on which the credit report was sought
DATE the date on which the credit reporting agency was notified that the
credit provider is no longer a credit provider in relation to the individual
concerned
DATE the date on which the information was included in the credit
information file
PERSONTHING the debt collector
THING the disclosed information
PERSONTHING the dispute resolver
THING the expired information
PERSON the individual concerned
THING the information concerned
PERSONTHING the information provider
PERSONTHING the information recorder
PERSONTHING the information user
PERSONTHING the information-handler
PERSONTHING the information-recipient
PERSONTHING the loan guarantor
PERSONTHING the merchant
PERSONTHING the mortgage insurer
DATE the most recent date on which the bankruptcy information was still
included
DATE the most recent date on which the court judgment information was still
included
DATE the most recent date on which the current credit provider status was
still included
DATE the most recent date on which the dishonoured cheque information was
still included
DATE the most recent date on which the overdue payment information was still
included
DATE the most recent date on which the record of a credit report being
sought was still included
DATE the most recent date on which the serious credit infringement
information was still included
STRING the name of the act or practice
    PROMPT what is a brief description of the act or practice of

STRING the name of the disclosed information
    PROMPT what is a short description of the information disclosed

STRING the name of the information concerned
    PROMPT what is a short description of the information being dealt with

STRING the name of the information-handler
    PROMPT what is the name of the person or organisation whose act or
    practice in dealing with information is to be considered

STRING the name of the information-recipient
    PROMPT what is the name of the person or organisation which received
    from

STRING the name of the person or body
    PROMPT what is the name of the person or body to be investigated

STRING the name of the potential credit reporting records
    PROMPT please enter a description of the type of records containing
    personal information which you wish to investigate

STRING the name of the recipient of personal information from a credit
reporting agency
    PROMPT what is the name of the person, body or agency to whom personal
    information was disclosed

STRING the name of the recipient of the report or information from a credit
provider
    PROMPT what is the name of the person, body or agency to whom the report
    or information derived from the report was disclosed

STRING the name of the recorded information
    PROMPT what is a short description of the recorded information

STRING the name of the used information
    PROMPT what is a short description of the used information

PERSONTHING the other access seeker
PERSONTHING the person or body
THING the potential credit reporting records
PERSONTHING the potential creditor
PERSONTHING the recipient corporation or adviser
PERSONTHING the recipient credit provider
PERSONTHING the recipient of personal information from a credit reporting
agency
PERSONTHING the recipient of the report or information from a credit
provider
THING the record
THING the recorded information
SEX the sex of the assisting authority
SEX the sex of the author of the letter
SEX the sex of the borrower
SEX the sex of the credit provider
SEX the sex of the credit reporting agency
SEX the sex of the debt collector
SEX the sex of the dispute resolver
SEX the sex of the individual concerned
SEX the sex of the information provider
SEX the sex of the information recorder
SEX the sex of the information user
SEX the sex of the information-handler
SEX the sex of the information-recipient
SEX the sex of the loan guarantor
SEX the sex of the merchant
SEX the sex of the mortgage insurer
SEX the sex of the other access seeker
SEX the sex of the person or body
    PROMPT what is the sex of the person under scrutiny

SEX the sex of the potential creditor
SEX the sex of the recipient corporation or adviser
SEX the sex of the recipient credit provider
SEX the sex of the recipient of personal information from a credit reporting
agency
    PROMPT what is the sex of the person to whom personal information was
    disclosed

SEX the sex of the recipient of the report or information from a credit
provider
SEX the sex of the source of commercial credit
    PROMPT what is the sex of the person that has given commercial credit

SEX the sex of the source of mortgage credit
    PROMPT what is the sex of the person that has given mortgage credit

SEX the sex of the trade insurer
PERSONTHING the source of commercial credit
PERSONTHING the source of mortgage credit
PERSONTHING the trade insurer
STRING the type of credit facility covered by the guarantee
STRING the type of the credit facility which has been rejected
THING the used information

GOAL RULE Privacy Act 1988 Section 6 "agency" PROVIDES
    the person or body is an agency ONLY IF
        the person or body is a Commonwealth Minister OR
        the person or body is a Commonwealth Department OR
        the person or body is a body (whether incorporated or not) or a
        tribunal established or appointed for a public purpose by or under a
        Commonwealth enactment AND BEGIN
            the person or body is not an incorporated company, society or
            association AND
            the person or body is not a trade union or branch of a trade
            union as described in the Industrial Relations Act 1988 AND
            the person or body is not a body corporate constituted under
            subsection 6(1) of the Legal Practitioners Ordinance 1970
        END OR
        the person or body is a body established by the Governor General or
        a Commonwealth Minister otherwise than under a Commonwealth
        enactment OR
        the person or body is a person performing the duties of an office
        established under a Commonwealth enactment other than the Secretary
        of a Commonwealth Department OR
        the person or body is a person appointed by the Governor General or
        a Commonwealth Minister otherwise than under a Commonwealth
        enactment OR
        the person or body is a federal court OR
        the person or body is a court of the Australian Capital Territory OR
        the person or body is the Australian Federal Police

RULE Privacy Act 1988 Section 6 "bank" PROVIDES
    <> is a bank ONLY IF
        <> is the Reserve Bank of Australia OR
        <> is a bank within the meaning of the Banking Act 1959 OR
        <> carries on State banking within the meaning of paragraph 51(xiii)
        of the Constitution

RULE Privacy Act 1988 Section 6 "building society" PROVIDES
    <> is a building society ONLY IF
        <> is a society registered or incorporated as a building society,
        co-operative housing society or similar society under a law relating
        to such societies that is in force in a State or Territory

GOAL RULE Privacy Act 1988 Section 6 "corporation" PROVIDES
    the person or body is a corporation ONLY IF
        the person or body is not a natural person AND
        the person or body is a body corporate AND BEGIN
            the person or body is a foreign corporation OR BEGIN
                the person or body is a trading corporation OR
                the person or body is a financial corporation
            END AND
            the person or body is a corporation formed within the limits of
            Australia OR
            the person or body is incorporated in a Territory, other than
            the Northern Territory
        END


GOAL RULE Privacy Act 1988 Section 6 "credit provider" PROVIDES
    the person or body is not a credit provider ONLY IF
        the person or body is not a credit provider in respect of all
        relevant transactions AND
        the person or body is not a credit provider only in relation to a
        transaction under which payment may be deferred AND
        the person or body is not a credit provider only in relation to a
        transaction under which hiring without full security occurs

RULE Privacy Act - general transaction credit providers PROVIDES
    <> is a credit provider in respect of all relevant transactions ONLY IF
        <> is a credit provider under section 11B AND
        <> does not satisfy section 11B(1)(b)(v)

RULE Privacy Act - specific transaction credit providers - loans PROVIDES
    <> is a credit provider only in relation to a transaction under which
    payment may be deferred ONLY IF
        <> is a credit provider under section 11B AND
        <> satisfies section 11B(1)(b)(v) AND
        <>, in relation to a transaction, is considering providing or has
        provided a loan in respect of the provision of goods or services on
        terms which allow the deferral of payment, in full or in part, for
        at least 7 days

RULE Privacy Act - specific transaction credit providers - rental PROVIDES
    <> is a credit provider only in relation to a transaction under which
    hiring without full security occurs ONLY IF
        <> is a credit provider under section 11B AND
        <> satisfies section 11B(1)(b)(v) AND
        <>, in relation to a transaction, is engaged in the hiring, leasing
        or renting of goods for at least 7 days, where no amount, or an
        amount less than the value of the goods, is paid as deposit

RULE Privacy Act 1988 Section 6 "credit reporting agency" PROVIDES
    <> is a credit reporting agency ONLY IF
        <> is a credit reporting agency under section 11A

GOAL RULE Privacy Act 1988 Section 6 "credit reporting business" PROVIDES
    the person or body does carry on a credit reporting business ONLY IF
        the person or body does carry on a business or undertaking that
        involves the preparation or maintenance of records containing
        personal information relating to individuals AND
        the potential credit reporting records prepared or maintained by a
        person or body are not records in which the only personal
        information relating to individuals is publicly available
        information AND
        the person or body is not a business or undertaking of a kind in
        respect of which regulations made for the purposes of s6(5C) are in
        force AND
        the potential credit reporting records are prepared or maintained by
        the person or body for the purpose of, or for purposes that include
        as the dominant purpose the purpose of, providing to other persons
        information on individuals AND
        the information to be provided by the person or body to other
        persons is information mentioned in paragraphs (a), (b) or (c) of
        the definition of "credit reporting business"

RULE Privacy Act 1988 Section 6 "credit reporting business" and Section
6(5A) - credit information PROVIDES
    the information to be provided by <> to other persons is information
    mentioned in paragraphs (a), (b) or (c) of the definition of "credit
    reporting business" ONLY IF
        the information to be provided by <> to other persons is not
        information of the type mentioned in subsection 6(5A) AND
        the information to be provided by <> to other persons is information
        on an individual's eligibility to be provided with credit AND/OR
        the information to be provided by <> to other persons is information
        on an individual's history in relation to credit AND/OR
        the information to be provided by <> to other persons is information
        on an individual's capacity to repay credit

RULE Privacy Act 1988 Section 6 "credit reporting business" and Section
6(5B) PROVIDES
    IF subsection 6(5B) applies to <> THEN
        the potential credit reporting records are not prepared or
        maintained by <> for the purpose of, or for purposes that include as
        the dominant purpose the purpose of, providing to other persons
        information on individuals

RULE Privacy Act 1988 Section 6 "credit union" PROVIDES
    <> is a credit union ONLY IF
        <> is a society registered or incorporated as a credit union or
        credit society under a law relating to credit unions or credit
        societies that is in force in a State or Territory

GOAL RULE Privacy Act 1988 Section 6 "current credit provider" PROVIDES
    the person or body is a current credit provider in relation to the
    individual concerned ONLY IF
        the person or body is a credit provider AND
        the person or body has given credit to the individual concerned AND
        the credit given to the individual concerned has not been fully
        repaid or otherwise fully discharged yet

RULE Privacy Act 1988 Section 6 "financial corporation" PROVIDES
    <> is a financial corporation ONLY IF
        <> is a financial corporation within the meaning of paragraph 51(xx)
        of the Constitution

RULE Privacy Act 1988 Section 6 "generally available publication" PROVIDES
    the information concerned is in a generally available publication ONLY
    IF
        the information concerned is in a magazine, book, newspaper or other
        publication AND
        the magazine, book, newspaper or other publication will be generally
        available to the public

RULE Privacy Act 1988 Section 6 "intelligence agency" PROVIDES
    the act done or practice engaged in was in relation to a record
    originating with or received from an intelligence agency ONLY IF
        the act done or practice engaged in was in relation to a record
        originating with or received from the Australian Security
        Intelligence Organisation OR
        the act done or practice engaged in was in relation to a record
        originating with or received from the Australian Secret Intelligence
        Service OR
        the act done or practice engaged in was in relation to a record
        originating with or received from the Office of National Assessments

GOAL RULE Privacy Act 1988 Section 6 "mortgage insurer" PROVIDES
    the person or body is a mortgage insurer ONLY IF
        the person or body is a corporation AND
        the person or body carries on a business or an undertaking (whether
        for profit, reward or otherwise) that involves providing insurance 
        AND
        the person or body provides insurance in respect of mortgage credit
        given by its insured to other persons AND
        the person or body's insured is a credit provider

GOAL RULE Privacy Act 1988 Section 6 "personal information" PROVIDES
    the information concerned is personal information ONLY IF
        the information concerned is information or an opinion about an
        individual AND
        the identity of the individual can be reasonably ascertained from
        the information concerned

GOAL DAEMON Privacy Act 1988 Section 6 "record" PROVIDES
    the information concerned is stored in a record ONLY IF
        BEGIN
            the information concerned is in a document OR
            the information concerned is in a database (however kept) OR
            the information concerned is a photograph or other pictorial
            representation of a person
        END AND
        the information concerned is not in a generally available
        publication AND
        the information concerned is not in anything kept in a library, art
        gallery or museum for the purposes of reference, study or exhibition
        AND
        the information concerned is not in a Commonwealth record as defined
        by subsection 3(1) of the Archives Act 1983 that is in the open
        access period for the purposes of that Act AND
        the information concerned is not in a document placed by or on
        behalf of a person (other than an agency) in the memorial collection
        within the meaning of the Australian War Memorial Act 1980 AND
        the information concerned is not in a letter or other article in the
        course of transmission by post

GOAL RULE Privacy Act 1988 Section 6 "trade insurer" PROVIDES
    the person or body is a trade insurer ONLY IF
        the person or body is a corporation AND
        the person or body carries on a business or an undertaking (whether
        for profit, reward or otherwise) that involves providing insurance 
        AND
        the person or body provides insurance in respect of commercial
        credit given by its insured to other persons AND
        the person or body's insured is a credit provider

RULE Privacy Act 1988 Section 6 "trading corporation" PROVIDES
    <> is a trading corporation ONLY IF
        <> is a trading corporation within the meaning of paragraph 51(xx)
        of the Constitution

RULE Privacy Act 1988 Section 6(5A) PROVIDES
    the information to be provided by <> to other persons is information of
    the type mentioned in subsection 6(5A) ONLY IF
        the information to be provided by <> to other persons is information
        solely concerning commercial transactions engaged in by or on behalf
        of an individual

RULE Privacy Act 1988 Section 6(5B) PROVIDES
    subsection 6(5B) applies to <> ONLY IF
        <> is a corporation AND
        <> is a credit provider AND
        the potential credit reporting records are prepared or maintained by
        <> solely for the provision of information to corporations related
        to it

RULE Privacy Act 1988 Section 6(5C) PROVIDES
    <> is a business or undertaking of a kind in respect of which
    regulations made for the purposes of s6(5C) are in force ONLY IF
        regulations have been made for the purposes of section 6(5C) AND
        <> is a business or undertaking of a kind specified in the
        regulations made under section 6(5C)

GOAL RULE Privacy Act 1988 Section 7 "act or practice" PROVIDES
    the information-handler has done an act or engaged in a practice in
    accordance with section 7 ONLY IF
        the information-handler comes within paragraphs 7(1)(a) to (e) AND
        the act done or practice engaged in was not in relation to a record
        originating with or received from one of the bodies mentioned in
        paragraphs 7(1)(f) to (h)

RULE Privacy Act 1988 Section 7(1)(a) to (e) PROVIDES
    the information-handler comes within paragraphs 7(1)(a) to (e) ONLY IF
        the information-handler comes within para 7(1)(a) OR
        the information-handler comes within para 7(1)(b) OR
        the information-handler comes within para 7(1)(c) OR
        the information- handler comes within para 7(1)(d) OR
        the information-handler comes within para 7(1)(e)

RULE Privacy Act 1988 Section 7(1)(a) PROVIDES
    the information-handler comes within para 7(1)(a) ONLY IF
        BEGIN
            the information-handler is an agency OR
            the information-handler is a file number recipient OR
            the information-handler is a credit reporting agency OR
            the information- handler is a credit provider
        END AND
        the information-handler is not an agency specified in Schedule 1 to
        the Freedom of Information Act 1982 (Cth) AND
        the information-handler is not an agency specified in Schedule 2 to
        the Freedom of Information Act 1982 (Cth) AND
        the information-handler is not a federal court or a court of the
        Australian Capital Territorry AND
        the information-handler is not a Commonwealth Minister AND
        the information-handler is not the National Crime Authority AND
        the information-handler is not a Royal Commission AND
        the information-handler has done an act or engaged in a practice in
        relation to the information concerned

RULE Privacy Act 1988 Section 7(1)(b) PROVIDES
    the information-handler comes within para 7(1)(b) ONLY IF
        BEGIN
            the information-handler is a federal court or a court of the
            Australian Capital Territory OR
            the information-handler is an agency specified in Schedule 1 to
            the Freedom of Information Act 1982 (Cth)
        END AND
        the information-handler has done an act or engaged in a practice in
        respect of a matter of an administrative nature regarding the
        information

RULE Privacy Act 1988 Section 7(1)(c) PROVIDES
    the information-handler comes within para 7(1)(c) ONLY IF
        the information-handler is an agency specified in Schedule 2 to the
        Freedom of Information Act 1982 (Cth) AND
        the information-handler has done an act or engaged in a practice
        otherwise than in relation to a record which is exempted from the
        operation of the Freedom of Information Act 1982 (Cth)

RULE Privacy Act 1988 Section 7(1)(d) PROVIDES
    the information-handler comes within para 7(1)(d) ONLY IF
        the information-handler is a Commonwealth Minister AND
        the information-handler has done an act or engaged in a practice in
        relation to the affairs of an agency AND
        the act done or practice engaged in was not in relation to an
        existing record

RULE Privacy Act 1988 Section 7(1)(e) PROVIDES
    the information-handler comes within para 7(1)(e) ONLY IF
        the information-handler is a Commonwealth Minister AND
        the information-handler has done an act or engaged in a practice in
        relation to a record that is in the information- handler's
        possession in the capacity of Minister AND
        the record relates to the affairs of an agency

RULE Privacy Act 1988 Section 7(1)(f) to (g) PROVIDES
    the act done or practice engaged in was in relation to a record
    originating with or received from one of the bodies mentioned in
    paragraphs 7(1)(f) to (h) ONLY IF
        the act done or practice engaged in was in relation to a record
        originating with or received from an intelligence agency OR
        the act done or practice engaged in was in relation to a record
        originating with or received from the Defence Signals Directorate or
        the Joint Intelligence Organisation of the Department of Defence OR
        the act done or practice engaged in was in relation to a record
        originating with or received from the National Crime Authority

GOAL RULE Privacy Act 1988 Section 9 "collector" PROVIDES
    the information-handler is a collector of the information concerned ONLY
    IF
        the information-handler is an agency AND
        the information-handler collected the information concerned (not
        necessarily from the individual concerned) AND
        the information concerned is personal information

GOAL RULE Privacy Act 1988 Section 10 "record-keeper" PROVIDES
    the information-handler is a record-keeper of the information concerned
    ONLY IF
        the information-handler is an agency AND
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information

RULE Privacy Act 1988 Section 11A - Credit Reporting Agencies PROVIDES
    <> is a credit reporting agency under section 11A ONLY IF
        <> is a corporation AND
        <> does carry on a credit reporting business

RULE Privacy Act 1988 Section 11B - Credit Providers PROVIDES
    <> is a credit provider under section 11B ONLY IF
        <> satisfies section 11B(1)(a) AND/OR
        <> satisfies section 11B(1)(b) AND/OR
        <> satisfies section 11B(1)(c) AND
        <> is not included in a class of corporations declared by the
        regulations made under section 11B(2) not to be credit providers

RULE Privacy Act 1988 Section 11B(1)(a) PROVIDES
    <> satisfies section 11B(1)(a) ONLY IF
        <> is a bank

RULE Privacy Act 1988 Section 11B(1)(b) PROVIDES
    <> satisfies section 11B(1)(b) ONLY IF
        <> is a corporation AND
        <> is not an agency AND BEGIN
            <> satisfies section 11B(1)(b)(i) OR
            <> satisfies section 11B(1)(b)(ii) OR
            <> satisfies section 11B(1)(b)(iii) OR
            <> satisfies section 11B(1)(b)(iv) OR
            <> satisfies section 11B(1)(b)(v)
        END


RULE Privacy Act 1988 Section 11B(1)(b)(i) PROVIDES
    <> satisfies section 11B(1)(b)(i) ONLY IF
        <> is a building society

RULE Privacy Act 1988 Section 11B(1)(b)(ii) PROVIDES
    <> satisfies section 11B(1)(b)(ii) ONLY IF
        <> is a credit union

RULE Privacy Act 1988 Section 11B(1)(b)(iii) PROVIDES
    <> satisfies section 11B(1)(b)(iii) ONLY IF
        <> carries on a business or undertaking involving the provision of
        loans (including the provision of loans by issuing credit cards) AND
        the provision of loans (including the provision of loans by issuing
        credit cards) is a substantial part of <>'s business or undertaking

RULE Privacy Act 1988 Section 11B(1)(b)(iv) PROVIDES
    <> satisfies section 11B(1)(b)(iv) ONLY IF
        <> carries on a retail business in the course of which it issues
        credit cards to members of the public AND
        the credit cards are issued in connection with the sale of goods, or
        the supply of services by <>

RULE Privacy Act 1988 Section 11B(1)(b)(v) PROVIDES
    <> satisfies section 11B(1)(b)(v) ONLY IF
        <> carries on a business or undertaking involving the provision of
        loans (including the provision of loans by issuing credit cards) AND
        <> is included in a class determined by the Commissioner to be
        credit providers for the purposes of this Act

RULE Privacy Commissioner's Determination Section 11B(1)(b)(v)(B) PROVIDES
    <> is included in a class determined by the Commissioner to be credit
    providers for the purposes of this Act ONLY IF
        <> is not already a credit provider by virtue of paragraphs (a) or
        (b)(i) to (iv) of section 11B(1) of the Act AND BEGIN
            <>, in relation to a transaction, is considering providing or
            has provided a loan in respect of the provision of goods or
            services on terms which allow the deferral of payment, in full
            or in part, for at least 7 days OR
            <>, in relation to a transaction, is engaged in the hiring,
            leasing or renting of goods for at least 7 days, where no
            amount, or an amount less than the value of the goods, is paid
            as deposit
        END


RULE Privacy Act 1988 Section 11B(1)(c) PROVIDES
    <> satisfies section 11B(1)(c) ONLY IF
        <> is not a corporation AND
        <> is a person in relation to whom paragraph 11B(1)(b) would apply
        if the person were a corporation

RULE Privacy Act 1988 Section 11B(1)(c) paraphrase PROVIDES
    <> is a person in relation to whom paragraph 11B(1)(b) would apply if
    the person were a corporation ONLY IF
        <> is not a corporation AND
        <> is not an agency AND BEGIN
            <> satisfies section 11B(1)(b)(i) OR
            <> satisfies section 11B(1)(b)(ii) OR
            <> satisfies section 11B(1)(b)(iii) OR
            <> satisfies section 11B(1)(b)(iv) OR
            <> satisfies section 11B(1)(b)(v)
        END


RULE Privacy Act 1988 structure of section 11B(1) PROVIDES
    <> is already a credit provider by virtue of paragraphs (a) or (b)(i) to
    (iv) of section 11B(1) of the Act ONLY IF
        <> satisfies section 11B(1)(a) OR
        <> satisfies section 11B(1)(b)(i) OR
        <> satisfies section 11B(1)(b)(ii) OR
        <> satisfies section 11B(1)(b)(iii) OR
        <> satisfies section 11B(1)(b)(iv)

RULE Privacy Act 1988 Section 11B(2) PROVIDES
    <> is included in a class of corporations declared by the regulations
    made under section 11B(2) not to be credit providers ONLY IF
        regulations have been made under section 11B(2) AND
        <> is included in a class of corporations declared not to be credit
        providers by the regulations

GOAL RULE Privacy Act 1988 Section 13(a) (Interferences with privacy - IPPs)
PROVIDES
    IF the information-handler is an agency AND
    the information-handler has done an act or engaged in a practice in
    accordance with section 7 THEN BEGIN
        DETERMINE IF the behaviour prohibited by IPP 1 has occurred
        DETERMINE IF the behaviour prohibited by IPP 2 has occurred
        DETERMINE IF the behaviour prohibited by IPP 3 has occurred
        DETERMINE IF the behaviour prohibited by IPP 4 has occurred
        DETERMINE IF the behaviour prohibited by IPP 5 has occurred
        DETERMINE IF the behaviour prohibited by IPP 6 has occurred
        DETERMINE IF the behaviour prohibited by IPP 7 has occurred
        DETERMINE IF the behaviour prohibited by IPP 8 has occurred
        DETERMINE IF the behaviour prohibited by IPP 9 has occurred
        DETERMINE IF the behaviour prohibited by IPP 10 has occurred
        DETERMINE IF the behaviour prohibited by IPP 11 has occurred
        ASSERT the act or practice by the information-handler is an interference
        with the privacy of the individual concerned ONLY IF
            the information-handler has not complied with all of the
            Information Privacy Principles set out in section 14
    END ELSE
        the information-handler is not subject to the Information Privacy
        Principles in relation to the information concerned

RULE Privacy Act 1988 Section 14 PROVIDES
    IF the behaviour prohibited by IPP 1 has occurred OR
    the behaviour prohibited by IPP 2 has occurred OR
    the behaviour prohibited by IPP 3 has occurred OR
    the behaviour prohibited by IPP 4 has occurred OR
    the behaviour prohibited by IPP 5 has occurred OR
    the behaviour prohibited by IPP 6 has occurred OR
    the behaviour prohibited by IPP 7 has occurred OR
    the behaviour prohibited by IPP 8 has occurred OR
    the behaviour prohibited by IPP 9 has occurred OR
    the behaviour prohibited by IPP 10 has occurred OR
    the behaviour prohibited by IPP 11 has occurred THEN
        the information-handler has not complied with all of the Information
        Privacy Principles set out in section 14
    ELSE
        the information-handler has complied with all of the Information
        Privacy Principles set out in section 14

GOAL RULE Privacy Act 1988 Section 14 IPP 1 PROVIDES
    the behaviour prohibited by IPP 1 has occurred ONLY IF
        the information concerned was collected after the commencement of
        the Act AND BEGIN
            the behaviour prohibited by IPP 1(1) has occurred OR
            the behaviour prohibited by IPP 1(2) has occurred
        END


RULE Privacy Act 1988 Section 14 IPP 1(1) PROVIDES
    the behaviour prohibited by IPP 1(1) has occurred ONLY IF
        the information concerned is personal information AND
        the information-handler is a collector of the information concerned 
        AND BEGIN
            the information concerned was collected for inclusion in a
            record OR
            the information concerned was collected for inclusion in a
            generally available publication
        END AND
        BEGIN
            the exception in IPP 1(1)(a) does not apply OR
            the exception in IPP 1(1)(b) does not apply
        END


RULE Privacy Act 1988 Section 14 IPP 1(1)(a) PROVIDES
    the exception in IPP 1(1)(a) applies ONLY IF
        the purpose for which the information concerned was collected is a
        lawful purpose directly related to a function or activity of the
        information-handler

RULE Privacy Act 1988 Section 14 IPP 1(1)(b) PROVIDES
    the exception in IPP 1(1)(b) applies ONLY IF
        the collection of the information concerned is necessary for, or
        directly related to, the lawful purpose for which the information
        concerned was collected

RULE Privacy Act 1988 Section 14 IPP 1(2) PROVIDES
    the behaviour prohibited by IPP 1(2) has occurred ONLY IF
        the information concerned is personal information AND
        the information-handler is a collector of the information concerned 
        AND
        the information concerned was collected by unlawful or unfair means

GOAL RULE Privacy Act 1988 Section 14 IPP 2 PROVIDES
    the behaviour prohibited by IPP 2 has occurred ONLY IF
        the information concerned was collected after the commencement of
        the Act AND
        the prerequisites in IPP 2(a) and (b) are met AND
        the information-handler did not take reasonable steps to inform the
        individual concerned of the matters referred to in IPP 2(c), (d) and
        (e)

RULE Privacy Act 1988 Section 14 IPP 2(a) and (b) PROVIDES
    the prerequisites in IPP 2(a) and (b) are met ONLY IF
        the information concerned is personal information AND
        the information-handler is a collector of the information concerned 
        AND BEGIN
            the information concerned was collected for inclusion in a
            record OR
            the information concerned was collected for inclusion in a
            generally available publication
        END AND
        the information concerned was solicited by the information-handler

RULE Privacy Act 1988 Section 14 IPP 2(c), (d) and (e) PROVIDES
    the information-handler took reasonable steps to inform the individual
    concerned of the matters referred to in IPP 2(c), (d) and (e) ONLY IF
        the information-handler took such steps (if any) as are reasonable,
        prior to the time of collection or as soon as practicable
        afterwards, to inform the individual concerned of the purpose for
        which the information concerned was collected AND BEGIN
            the collection of the information concerned is not authorised or
            required by law OR
            the information-handler took such steps (if any) as are
            reasonable, prior to the time of collection or as soon as
            practicable afterwards, to inform the individual concerned that
            the collection of the information concerned is authorised or
            required by law
        END AND
        the information-handler took such steps (if any) as are reasonable,
        before the collection or soon afterwards, to inform the individual
        concerned of any person or organisation to which the
        information-handler usually discloses such information AND
        the information-handler took such steps (if any) as are reasonable,
        prior to collection or soon after, to inform the individual
        concerned of anybody that may routinely receive information from
        bodies which it discloses information to

GOAL RULE Privacy Act 1988 Section 14 IPP 3 PROVIDES
    the behaviour prohibited by IPP 3 has occurred ONLY IF
        the information concerned was collected after the commencement of
        the Act AND
        the prerequisites in IPP 3(a) and (b) are met AND
        the information-handler did not take reasonable steps to ensure that
        the conditions of IPP 3(c) and (d) were met

RULE Privacy Act 1988 Section 14 IPP 3(a) and (b) PROVIDES
    the prerequisites in IPP 3(a) and (b) are met ONLY IF
        the information concerned is personal information AND
        the information-handler is a collector of the information concerned 
        AND BEGIN
            the information concerned was collected for inclusion in a
            record OR
            the information concerned was collected for inclusion in a
            generally available publication
        END AND
        the information concerned was solicited by the information-handler

RULE Privacy Act 1988 Section 14 IPP 3(c) and (d) PROVIDES
    the information-handler took reasonable steps to ensure that the
    conditions of IPP 3(c) and (d) were met ONLY IF
        the information-handler took such steps (if any) as are reasonable
        to ensure that the information concerned collected was relevant to
        the purpose for which it was collected AND
        the information-handler took such steps (if any) as are reasonable
        to ensure that the information collected was up to date and complete
        AND
        the information-handler took such steps (if any) as are reasonable
        to ensure that the collection of the information concerned did not
        intrude unreasonably upon the personal affairs of the individual
        concerned

GOAL RULE Privacy Act 1988 Section 14 IPP 4 PROVIDES
    the behaviour prohibited by IPP 4 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND
        the information concerned is personal information AND
        the information-handler does have possession or control of the
        record AND BEGIN
            the information-handler does not ensure that the conditions in
            IPP 4(a) are met OR
            the information-handler does not ensure that the conditions in
            IPP 4(b) are met
        END


RULE Privacy Act 1988 Section 14 IPP 4(a) PROVIDES
    the information-handler ensures that the conditions in IPP 4(a) are met
    ONLY IF
        the information-handler maintains such security safeguards as are
        reasonable to ensure that the record is protected against loss,
        against unauthorised access, use, modification or disclosure, and
        against other misuse

RULE Privacy Act 1988 Section 14 IPP 4(b) PROVIDES
    the information-handler ensures that the conditions in IPP 4(b) are met
    ONLY IF
        it is not neccessary for the record to be given to a person in
        connection with the provision of a service to the information-
        handler OR
        everything reasonably within the power of the information-handler is
        done to prevent unauthorised use or disclosure of the information
        concerned by the other person

GOAL RULE Privacy Act 1988 Section 14 IPP 5 PROVIDES
    the behaviour prohibited by IPP 5 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND BEGIN
            the behaviour prohibited by IPP 5(1) and 5(2) has occurred OR
            the behaviour prohibited by IPP 5(3) and 5(4) has occurred
        END


RULE Privacy Act 1988 Section 14 IPP 5(1) and 5(2) PROVIDES
    the behaviour prohibited by IPP 5(1) and 5(2) has occurred ONLY IF
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler does not take reasonable steps to enable any
        person to to ascertain the matters referred to in IPP 5(1)(a) and
        (b) AND
        the exception in IPP 5(2) does not apply

RULE Privacy Act 1988 Section 14 IPP 5(1)(a) and (b) PROVIDES
    the information-handler takes reasonable steps to enable any person to
    to ascertain the matters referred to in IPP 5(1)(a) and (b) ONLY IF
        the information-handler takes reasonable steps to enable any person
        to ascertain whether the information-handler does have possession or
        control of any records that contain personal information AND
        the information-handler takes reasonable steps to enable any person
        to ascertain the nature of the personal information recorded AND
        the information-handler takes reasonable steps to enable any person
        to ascertain the main purposes for which the personal information is
        used AND
        the information-handler takes reasonable steps to enable any person
        to ascertain the steps that a person should take in order to obtain
        access to a record containing personal information

RULE Privacy Act 1988 Section 14 IPP 5(2) PROVIDES
    the exception in IPP 5(2) applies ONLY IF
        the information-handler is required or authorised, under the
        applicable provisions of any Commonwealth law providing for access
        to documents, to refuse to give information regarding the nature of
        personal information held by the information- handler

RULE Privacy Act 1988 Section 14 IPP 5(3) and 5(4) PROVIDES
    the behaviour prohibited by IPP 5(3) and 5(4) has occurred ONLY IF
        the conditions of IPP 5(3) are not complied with OR
        the conditions of IPP 5(4) are not complied with

RULE Privacy Act 1988 Section 14 IPP 5(3) PROVIDES
    the conditions of IPP 5(3) are complied with ONLY IF
        the information-handler maintains a record setting out the nature of
        the records of personal information kept by or on behalf of the
        information-handler AND
        the information-handler maintains a record setting out the purpose
        for which each type of record is kept AND
        the information-handler maintains a record setting out the classes
        of individuals about whom records are kept AND
        the information-handler maintains a record setting out the period
        for which each type of record is kept AND
        the information-handler maintains a record setting out the persons
        who are entitled to have access to personal information contained in
        the records and the conditions under which they are entitled to have
        that access AND
        the information-handler maintains a record setting out the steps
        that should be taken by persons wishing to obtain access to that
        personal information

RULE Privacy Act 1988 Section 14 IPP 5(4) PROVIDES
    the conditions of IPP 5(4) are complied with ONLY IF
        the information-handler makes the record maintained for inclusion in
        the Personal Information Digest under IPP 5(3) available for
        inspection by members of the public AND
        the information-handler gives a copy of the record maintained for
        inclusion in the Personal Information Digest under IPP 5(3) to the
        Privacy Commissioner in June of each year

GOAL RULE Privacy Act 1988 Section 14 IPP 6 PROVIDES
    the behaviour prohibited by IPP 6 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the individual concerned is not permitted to have access to the
        record AND
        access to documents laws do not prevent access to the record

RULE Privacy Act 1988 Section 14 IPP 6 (elaboration) PROVIDES
    access to documents laws prevent access to the record ONLY IF
        the information-handler is required or authorised to refuse to
        provide the individual concerned with access to the record under the
        applicable provisions of a Commonwealth law providing for access by
        persons to documents

GOAL RULE Privacy Act 1988 Section 14 IPP 7 PROVIDES
    the behaviour prohibited by IPP 7 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND BEGIN
            the behaviour prohibited by IPP 7(1) and 7(2) has occurred OR
            the behaviour prohibited by IPP 7(3) has occurred
        END


RULE Privacy Act 1988 Section 14 IPP 7(1) and 7(2) PROVIDES
    the behaviour prohibited by IPP 7(1) and 7(2) has occurred ONLY IF
        the behaviour prohibited by IPP 7(1) has occurred AND
        the exception in IPP 7(2) does not apply

RULE Privacy Act 1988 Section 14 IPP 7(1) PROVIDES
    the behaviour prohibited by IPP 7(1) has occurred ONLY IF
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler does not take reasonable steps to ensure
        that the record meets the conditions imposed by IPP 7(1)(a) and (b)

RULE Privacy Act 1988 Section 14 IPP 7(1)(a) and (b) PROVIDES
    the information-handler took reasonable steps to ensure that the record
    meets the conditions imposed by IPP 7(1)(a) and (b) ONLY IF
        the information-handler took reasonable steps, by way of making
        appropriate corrections, deletions and additions, to ensure that the
        record is accurate AND
        the information-handler took reasonable steps, by way of making
        appropriate corrections, deletions and additions, to ensure that the
        record is relevant to the purpose for which the information
        concerned was collected and is up to date, complete and not
        misleading

RULE Privacy Act 1988 Section 14 IPP 7(2) PROVIDES
    the exception in IPP 7(2) applies ONLY IF
        the information-handler is entitled to utilise a limitation in a
        Commonwealth law providing a right to require the correction or
        amendment of documents

RULE Privacy Act 1988 Section 14 IPP 7(3) PROVIDES
    the behaviour prohibited by IPP 7(3) has occurred ONLY IF
        the prerequisites in IPP 7(3)(a) are met AND
        the prerequisites in IPP 7(3)(b) are met AND
        the information-handler does not take reasonable steps to attach a
        statement by the individual concerned about the correction, deletion
        or alteration sought

RULE Privacy Act 1988 Section 14 IPP 7(3)(a) PROVIDES
    the prerequisites in IPP 7(3)(a) are met ONLY IF
        the information concerned is personal information AND
        the individual concerned requested that the record be amended AND
        the information-handler is not willing to amend the record by making
        a correction, deletion or addition

RULE Privacy Act 1988 Section 14 IPP 7(3)(b) PROVIDES
    the prerequisites in IPP 7(3)(b) are met ONLY IF
        a decision or recommendation has not been made under a Commonwealth
        law that the record should be amended wholly or partly in accordance
        with the request by the individual concerned

GOAL RULE Privacy Act 1988 Section 14 IPP 8 PROVIDES
    the behaviour prohibited by IPP 8 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information concerned handler uses the information concerned AND
        the information-handler does not take such steps (if any) that are
        reasonable to ensure that the information concerned is accurate, up
        to date and complete, having regard to the purpose for which the
        information concerned is used

GOAL RULE Privacy Act 1988 Section 14 IPP 9 PROVIDES
    the behaviour prohibited by IPP 9 has occurred ONLY IF
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler uses the information concerned AND
        the information concerned is used for a purpose for which the
        information concerned is not relevant

GOAL RULE Privacy Act 1988 Section 14 IPP 10 PROVIDES
    the behaviour prohibited by IPP 10 has occurred ONLY IF
        the information concerned was collected after the commencement of
        the Act AND
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND BEGIN
            the behaviour prohibited by IPP 10(1) has occurred OR
            the behaviour prohibited by IPP 10(2) has occurred
        END


RULE Privacy Act 1988 Section 14 IPP 10(1) PROVIDES
    the behaviour prohibited by IPP 10(1) has occurred ONLY IF
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler uses the information concerned for a purpose
        other than the purpose for which the information concerned was
        collected AND
        one of the exceptions mentioned in IPP 10(1)(a) to (e) does not
        apply

RULE Privacy Act 1988 Section 14 IPP 10(1) (a) to (e) PROVIDES
    one of the exceptions mentioned in IPP 10(1)(a) to (e) applies ONLY IF
        the individual concerned has consented, either expressly or
        impliedly, to the use of the information concerned for the other
        purpose OR
        the information-handler believed on reasonable grounds that the use
        of the information concerned for the other purpose was necessary to
        prevent or lessen a serious and imminent threat to the life or
        health of the individual concerned or another person OR
        the use of the information concerned for the other purpose was
        required or authorised by law OR
        the use of the information concerned for the other purpose was
        reasonably necessary for the enforcement of the criminal law or of a
        law imposing a pecuniary penalty, or for the protection of the
        public revenue OR
        the other purpose was directly related to the purpose for which the
        information concerned was collected

RULE Privacy Act 1988 Section 14 IPP 10(2) PROVIDES
    the behaviour prohibited by IPP 10(2) has occurred ONLY IF
        the information concerned is personal information AND
        one of the exceptions mentioned in IPP 10(1)(a) to (e) applies AND
        the use of the information concerned for the other purpose was
        reasonably necessary for the enforcement of the criminal law or of a
        law imposing a pecuniary penalty, or for the protection of the
        public revenue AND
        the information-handler did not include a note in the record of the
        use of the information concerned for the enforcement of the criminal
        law or of a law imposing a pecuniary penalty, or for the protection
        of the public revenue

GOAL RULE Privacy Act 1988 Section 14 IPP 11 PROVIDES
    the behaviour prohibited by IPP 11 has occurred ONLY IF
        the information concerned was collected after the commencement of
        the Act AND
        the information concerned is stored in a record AND
        the information-handler is a record-keeper of the information
        concerned AND BEGIN
            the behaviour prohibited by IPP 11(1) has occurred OR
            the behaviour prohibited by IPP 11(2) has occurred OR
            the behaviour prohibited by IPP 11(3) has occurred
        END


RULE Privacy Act 1988 Section 14 IPP 11(1) PROVIDES
    the behaviour prohibited by IPP 11(1) has occurred ONLY IF
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler disclosed the information concerned to a
        person, body or agency other than the individual concerned AND
        one of the exceptions in IPP 11(1)(a) to (e) does not apply

RULE Privacy Act 1988 Section 14 IPP 11(1)(a) to (e) PROVIDES
    one of the exceptions in IPP 11(1)(a) to (e) applies ONLY IF
        the individual concerned was reasonably likely to have been aware,
        or was made aware under IPP 2, that information of the kind
        disclosed is usually passed to the information- recipient OR
        the individual concerned did consent to the disclosure OR
        the information-handler reasonably believed that the disclosure was
        necessary to prevent or lessen a serious and imminent threat to the
        life or health of the individual concerned or of another person OR
        the disclosure was required or authorised by law OR
        the disclosure was reasonably necessary for the enforcement of the
        criminal law or of a law imposing a pecuniary penalty, or for the
        protection of the public revenue

RULE Privacy Act 1988 Section 14 IPP 11(2) PROVIDES
    the behaviour prohibited by IPP 11(2) has occurred ONLY IF
        the information concerned is personal information AND
        one of the exceptions in IPP 11(1)(a) to (e) applies AND
        the disclosure was reasonably necessary for the enforcement of the
        criminal law or of a law imposing a pecuniary penalty, or for the
        protection of the public revenue AND
        the information-handler did not include a note in the record of the
        disclosure of the information concerned for the enforcement of the
        criminal law or of a law imposing a pecuniary penalty, or for the
        protection of the public revenue

RULE Privacy Act 1988 Section 14 IPP 11(3) PROVIDES
    the behaviour prohibited by IPP 11(3) has occurred ONLY IF
        the information-handler does have possession or control of the
        record AND
        the information concerned is personal information AND
        the information-handler disclosed the information concerned to a
        person, body or agency other than the individual concerned AND
        the information-recipient does use or disclose the information
        concerned for a purpose other than the purpose for which the
        information concerned was given to the information-recipient

RULE Privacy Act 1988 Section 15 (commencement) PROVIDES
    the information concerned was collected after the commencement of the
    Act ONLY IF
        the date of collection of the information concerned IS GREATER THAN 
        1st January, 1989

GOAL RULE Privacy Act 1988 Section 18E - Contents of credit information
files PROVIDES
    DETERMINE IF the information recorder has breached section 18E(1)
    DETERMINE IF the information recorder has breached section 18E(2)
    DETERMINE IF the information recorder has breached section 18E(7)
    DETERMINE IF the information provider has breached section 18E(8)

RULE Privacy Act 1988 Section 18E(1) PROVIDES
    <> has breached section 18E(1) ONLY IF
        <> is a credit reporting agency AND
        the credit reporting agency has included information in a credit
        information file AND
        the credit information file contains personal information relating
        to the individual concerned AND
        the credit information file contains information that is not
        information of a type described in section 18E(1)(a) to (d)

RULE Privacy Act 1988 Section 18E(1) - exceptions PROVIDES
    <> contains information that is not information of a type described in
    section 18E(1)(a) to (d) ONLY IF
        <> contains information that is information of a type described in
        section 18E(1)(a) AND/OR/WITH
        <> contains information that is information of a type described in
        section 18E(1)(b) AND/OR/WITH
        <> contains information that is information of a type described in
        section 18E(1)(c) AND/OR/WITH
        <> contains information that is information of a type described in
        section 18E(1)(d) AND
        <> contains information of another type

RULE Privacy Act 1988 Section 18E(1) - link to other sections PROVIDES
    <> is information of a kind referred to in subsection 18E(1) ONLY IF
        <> does not contain information that is not information of a type
        described in section 18E(1)(a) to (d)

RULE Privacy Act 1988 Section 18E(1)(a) PROVIDES
    <> contains information that is information of a type described in
    section 18E(1)(a) ONLY IF
        <> contains information that is included in order to identify the
        individual concerned AND
        <> contains information the inclusion of which is reasonably
        necessary, under section 18E(3), in order to identify the individual
        concerned

RULE Privacy Act 1988 Section 18E(1)(a) - link to other sections PROVIDES
    <> is information of a kind referred to in paragraph 18E(1)(a) ONLY IF
        <> contains information that is information of a type described in
        section 18E(1)(a)

RULE Privacy Act 1988 Section 18E(1)(b) PROVIDES
    <> contains information that is information of a type described in
    section 18E(1)(b) ONLY IF
        <> contains a record of a type described in paragraph 18E(1)(b)(i) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(ii) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(iii)
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(iv) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(v) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(vi) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(vii)
        OR
        <> contains a record of a type described in paragraph
        18E(1)(b)(viii) OR
        <> contains a record of a type described in paragraph 18E(1)(b)(ix) 
        OR
        <> contains a record of a type described in paragraph 18E(1)(b)(x)

RULE Privacy Act 1988 Section 18E(1)(b)(i) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(i) ONLY
    IF
        <> contains a record of a credit provider having sought a credit
        report AND
        the credit provider sought the credit report in connection with an
        application for credit or commercial credit made by the individual
        concerned to the credit provider AND
        <> contains a record of the amount of credit or commercial credit
        sought in the application

RULE Privacy Act 1988 Section 18E(1)(b)(ii) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(ii) ONLY
    IF
        <> contains a record of a mortgage insurer having sought a credit
        report AND
        the mortgage insurer sought the credit report in connection with the
        provision insurance to a credit provider AND
        the mortgage insurer sought the credit report in respect of mortgage
        credit given by the credit provider to the individual concerned

RULE Privacy Act 1988 Section 18E(1)(b)(iii) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(iii)
    ONLY IF
        <> contains a record of a trade insurer having sought a credit
        report AND
        the trade insurer sought the credit report in connection with the
        provision insurance to a credit provider AND
        the trade insurer sought the credit report in respect of commercial
        credit given by the credit provider to the individual concerned or
        another person

RULE Privacy Act 1988 Section 18E(1)(b)(iv) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(iv) ONLY
    IF
        <> contains a record of a credit provider having sought a credit
        report AND
        the credit provider sought the credit report in connection with the
        individual concerned having offered to act as a guarantor in respect
        of a loan or an application for a loan

RULE Privacy Act 1988 Section 18E(1)(b)(v) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(v) ONLY
    IF
        <> contains a record of a credit provider being a current credit
        provider in relation to the individual concerned

RULE Privacy Act 1988 Section 18E(1)(b)(vi) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(vi) ONLY
    IF
        <> contains a record of credit provided by a credit provider to the
        individual concerned AND
        the credit provided to the individual concerned is credit which the
        individual concerned is at least 60 days overdue in making a
        payment, including a payment that is wholly or partly a payment of
        interest AND
        the credit provider has taken steps to recover the whole or any part
        of the amount of credit (including any amounts of interest)
        outstanding

RULE Privacy Act 1988 Section 18E(1)(b)(vi) - link to other sections
PROVIDES
    <> is information of a kind referred to in subparagraph 18E(1)(b)(vi)
    ONLY IF
        <> contains information of a type described in paragraph
        18E(1)(b)(vi)

RULE Privacy Act 1988 Section 18E(1)(b)(vii) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(vii)
    ONLY IF
        <> contains a record of a cheque for an amount not less than $100
        that has been drawn by the individual concerned AND
        the cheque drawn by the individual concerned has been presented and
        dishonoured twice

RULE Privacy Act 1988 Section 18E(1)(b)(viii) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(viii)
    ONLY IF
        <> contains a record of court judgments made against the individual
        concerned

RULE Privacy Act 1988 Section 18E(1)(b)(ix) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(ix) ONLY
    IF
        <> contains a record of bankruptcy orders made against the
        individual concerned

RULE Privacy Act 1988 Section 18E(1)(b)(x) PROVIDES
    <> contains a record of a type described in paragraph 18E(1)(b)(x) ONLY
    IF
        <> contains a record of the opinion of a credit provider that the
        individual has committed a serious credit infringement AND
        <> contains a statement of the circumstances in which the credit
        provider believes that the individual concerned has committed a
        serious credit infringement

RULE Privacy Act 1988 Section 18E(1)(c) PROVIDES
    <> contains information that is information of a type described in
    section 18E(1)(c) ONLY IF
        <> contains a statement provided by the individual concerned under
        subsection 18J(2) for inclusion in the file

RULE Privacy Act 1988 Section 18E(1)(d) PROVIDES
    <> contains information that is information of a type described in
    section 18E(1)(d) ONLY IF
        <> contains a note included in the file under subsection 18F(4) or
        18K(5)

RULE Privacy Act 1988 Section 18E(2) PROVIDES
    <> has breached section 18E(2) ONLY IF
        <> is a credit reporting agency AND
        the credit reporting agency has included information in a credit
        information file AND
        the credit information file contains personal information relating
        to the individual concerned AND
        the credit information file contains information of a type
        prohibited in section 18E(2)(a) to (f)

RULE Privacy Act 1988 Section 18E(2) - prohibited information PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(a) to (f) ONLY IF
        the credit information file contains information of a type
        prohibited in section 18E(2)(a) OR
        the credit information file contains information of a type
        prohibited in section 18E(2)(b) OR
        the credit information file contains information of a type
        prohibited in section 18E(2)(c) OR
        the credit information file contains information of a type
        prohibited in section 18E(2)(d) OR
        the credit information file contains information of a type
        prohibited in section 18E(2)(e) OR
        the credit information file contains information of a type
        prohibited in section 18E(2)(f)

RULE Privacy Act 1988 Section 18E(2)(a) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(a) ONLY IF
        the credit information file contains information regarding the
        political, social or religious beliefs of the individual concerned

RULE Privacy Act 1988 Section 18E(2)(b) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(b) ONLY IF
        the credit information file contains information regarding the
        criminal record of the individual concerned

RULE Privacy Act 1988 Section 18E(2)(c) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(c) ONLY IF
        the credit information file contains information regarding the
        medical history or physical handicaps of the individual concerned

RULE Privacy Act 1988 Section 18E(2)(d) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(d) ONLY IF
        the credit information file contains information regarding the race,
        ethnic origins or national origins of the individual concerned

RULE Privacy Act 1988 Section 18E(2)(e) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(e) ONLY IF
        the credit information file contains information regarding the
        sexual preferences or practices of the individual concerned

RULE Privacy Act 1988 Section 18E(2)(f) PROVIDES
    the credit information file contains information of a type prohibited in
    section 18E(2)(f) ONLY IF
        the credit information file contains information regarding the
        lifestyle, character or reputation of the individual concerned

RULE Privacy Act 1988 Section 18E(3) and (4) PROVIDES
    <> contains information the inclusion of which is reasonably necessary,
    under section 18E(3), in order to identify the individual concerned ONLY
    IF
        <> contains information that is of a type specified by the Privacy
        Commissioner in a determination made under section 18E(3) AND
        <> satisfies section 18E(4)

RULE Privacy Act 1988 Section 18E(3) - Commissioner's Determination PROVIDES
    <> contains information that is of a type specified by the Privacy
    Commissioner in a determination made under section 18E(3) ONLY IF
        <> contains the full name of the individual concerned OR/WITH
        <> contains the sex of the individual concerned OR/WITH
        <> contains the date of birth of the individual concerned OR/WITH
        <> contains a maximum of three addresses consisting of a current or
        last known address and two immediately previous addresses of the
        individual concerned OR/WITH
        <> contains the name of the current or last known employer of the
        individual concerned OR/WITH
        <> contains the driver's licence number of the individual concerned

RULE Privacy Act 1988 Section 18E(4) PROVIDES
    <> satisfies section 18E(4) ONLY IF
        <> does not contain identification information of another type

RULE Privacy Act 1988 Section 18E(7) PROVIDES
    <> has breached section 18E(7) ONLY IF
        <> is a credit reporting agency AND
        the credit reporting agency has opened a credit information file in
        relation to the individual concerned AND
        the credit information file does not contain information that is
        information of a type described in section 18E(1)(b)

RULE Privacy Act 1988 Section 18E(8) PROVIDES
    the information provider has breached section 18E(8) ONLY IF
        the information provider is a credit provider AND
        the credit provider has given personal information relating to the
        individual concerned to another person or organisation AND
        the recipient of the report or information from a credit provider is
        a credit reporting agency AND
        section 18E(8)(a) applies AND/OR
        section 18E(8)(b) applies AND/OR
        section 18E(8)(c) applies

RULE Privacy Act 1988 Section 18E(8)(a) PROVIDES
    section 18E(8)(a) applies ONLY IF
        the credit reporting agency is prohibited, under section 18E(1),
        from including the disclosed information in the individual
        concerned's credit information file

RULE Privacy Act 1988 Section 18E(8)(a) paraphrase PROVIDES
    the credit reporting agency is prohibited, under section 18E(1), from
    including the disclosed information in the individual concerned's credit
    information file ONLY IF
        the disclosed information contains information that is not
        information of a type described in section 18E(1)(a) to (d)

RULE Privacy Act 1988 Section 18E(8)(b) PROVIDES
    section 18E(8)(b) applies ONLY IF
        the credit provider haves reasonable grounds for do not believing
        that the disclosed information is correct

RULE Privacy Act 1988 Section 18E(8)(c) PROVIDES
    section 18E(8)(c) applies ONLY IF
        the credit provider informed the individual concerned at the time
        of, or before, acquiring the did not disclose information that the
        disclosed information might be disclosed to a credit reporting
        agency AND
        section 18E(8)(c) applies according to section 18V(2)

GOAL RULE Privacy Act 1988 Section 18F - Deletion of information from files
PROVIDES
    DETERMINE IF the information recorder has breached section 18F(1)
    IF the information recorder is a credit reporting agency AND
    the credit reporting agency has been given information that the
    individual concerned is overdue in making a payment in respect of credit
    provided by a credit provider THEN BEGIN
        DETERMINE IF the credit provider has breached section 18F(3)
        DETERMINE IF the credit provider has breached section 18F(4)
    END

    IF the information recorder is a credit reporting agency AND
    the credit reporting agency maintains a credit information file relating
    to the individual concerned AND
    the credit information file contains a record of a type described in
    paragraph 18E(1)(b)(v) AND
    the credit provider ceases to be a current credit provider in relation
    to the individual concerned THEN
        DETERMINE IF the credit provider has breached section 18F(5)


RULE Privacy Act 1988 Section 18F(1) PROVIDES
    the information recorder has breached section 18F(1) ONLY IF
        the information recorder is a credit reporting agency AND
        the credit reporting agency maintains a credit information file
        relating to the individual concerned AND
        the credit information file contains information that is information
        of a type described in section 18E(1)(b) AND
        the credit information file contains information which has been kept
        for a period longer than 1 month after the end of the maximum
        permissible period, determined under section 18F(2), for the keeping
        of personal information of that kind AND
        the credit reporting agency has not deleted the expired information
        from the credit information file

RULE Privacy Act 1988 Section 18F(2) PROVIDES
    the credit information file contains information which has been kept for
    a period longer than 1 month after the end of the maximum permissible
    period, determined under section 18F(2), for the keeping of personal
    information of that kind ONLY IF
        the credit information file contains information of a type described
        in section 18F(2)(a) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(a) OR
        the credit information file contains information of a type described
        in section 18F(2)(b) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(b) OR
        the credit information file contains information of a type described
        in section 18F(2)(c) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(c) OR
        the credit information file contains information of a type described
        in section 18F(2)(d) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(d) OR
        the credit information file contains information of a type described
        in section 18F(2)(e) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(e) OR
        the credit information file contains information of a type described
        in section 18F(2)(f) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(f) OR
        the credit information file contains information of a type described
        in section 18F(2)(g) AND
        the credit reporting agency has kept the information for a period
        which is longer than 1 month after the end of the maximum
        permissible period specified in section 18F(2)(g)

RULE Privacy Act 1988 Section 18F(2)(a) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(a) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(i) OR
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(ii) OR
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(iii) OR
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(iv)

RULE Privacy Act 1988 Section 18F(2)(a) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(a) ONLY IF
        section 18V(3) applies to the record of a credit report being sought
        AND
        the credit reporting agency has kept the record of a credit report
        being sought for longer than 1 month after a period of 5 years
        commencing on 25 February 1992 OR
        section 18V(3) does not apply to the record of a credit report being
        sought AND
        the credit reporting agency has kept the information for longer than
        1 month after a period of 5 years commencing on the day on which the
        credit report was sought

RULE Privacy Act 1988 Section 18F(2)(a) - max permissible period - post Act
PROVIDES
    the credit reporting agency has kept the information for longer than 1
    month after a period of 5 years commencing on the day on which the
    credit report was sought ONLY IF
        the most recent date on which the record of a credit report being
        sought was still included IS GREATER THAN the date on which the
        credit report was sought PLUS 5 YEARS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(a) - max permissible period - pre Act
PROVIDES
    the credit reporting agency has kept the record of a credit report being
    sought for longer than 1 month after a period of 5 years commencing on
    25 February 1992 ONLY IF
        the most recent date on which the record of a credit report being
        sought was still included IS GREATER THAN 25th March, 1997

RULE Privacy Act 1988 Section 18F(2)(b) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(b) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(v)

RULE Privacy Act 1988 Section 18F(2)(b) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(b) ONLY IF
        section 18V(3) applies to the current credit provider status
        information AND
        the credit reporting agency has kept the current credit provider
        status information for longer than 1 month after a period of 14 days
        commencing on 25 February 1992 OR
        section 18V(3) does not apply to the current credit provider status
        information AND
        the credit reporting agency has kept the information longer than 1
        month after a period of 14 days commencing on the day on which it
        was notified that the credit provider is no longer a current credit
        provider in relation to the individual concerned

RULE Privacy Act 1988 Section 18F(2)(b) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 14 days commencing on the day on which it was notified
    that the credit provider is no longer a current credit provider in
    relation to the individual concerned ONLY IF
        the credit reporting agency has been notified that the credit
        provider is no longer a credit provider in relation to the
        individual concerned AND
        the most recent date on which the current credit provider status was
        still included IS GREATER THAN the date on which the credit
        reporting agency was notified that the credit provider is no longer
        a credit provider in relation to the individual concerned PLUS 14 
        DAYS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(b) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the current credit provider status
    information for longer than 1 month after a period of 14 days commencing
    on 25 February 1992 ONLY IF
        the credit reporting agency has been notified that the credit
        provider is no longer a credit provider in relation to the
        individual concerned AND
        the most recent date on which the current credit provider status was
        still included IS GREATER THAN 10th April, 1992

RULE Privacy Act 1988 Section 18F(2)(c) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(c) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(vi)

RULE Privacy Act 1988 Section 18F(2)(c) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(c) ONLY IF
        section 18V(3) applies to the 60 day overdue credit information AND
        the credit reporting agency has kept the 60 day overdue payment
        information for longer than 1 month after a period of 5 years
        commencing on 25 February 1992 OR
        section 18V(3) does not apply to the 60 day overdue credit
        information AND
        the credit reporting agency has kept the 60 day overdue payment
        information longer than 1 month after a period of 5 years commencing
        on the day on which the credit reporting agency was informed of the
        overdue payment

RULE Privacy Act 1988 Section 18F(2)(c) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 5 years commencing on the day on which the credit
    reporting agency was informed of the overdue payment ONLY IF
        the most recent date on which the overdue payment information was
        still included IS GREATER THAN the date of inclusion of the 60 day
        overdue credit information PLUS 5 YEARS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(c) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the 60 day overdue payment
    information for longer than 1 month after a period of 5 years commencing
    on 25 February 1992 ONLY IF
        the most recent date on which the overdue payment information was
        still included IS GREATER THAN 25th March, 1997

RULE Privacy Act 1988 Section 18F(2)(d) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(d) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(vii)

RULE Privacy Act 1988 Section 18F(2)(d) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(d) ONLY IF
        section 18V(3) applies to the dishonoured cheque information AND
        the credit reporting agency has kept the dishonoured cheque
        information for longer than 1 month after a period of 5 years
        commencing on 25 February 1992 OR
        section 18V(3) does not apply to the dishonoured cheque information 
        AND
        the credit reporting agency has kept the information longer than 1
        month after a period of 5 years commencing on the day on which the
        second dishonouring of the cheque occurred

RULE Privacy Act 1988 Section 18F(2)(d) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 5 years commencing on the day on which the second
    dishonouring of the cheque occurred ONLY IF
        the most recent date on which the dishonoured cheque information was
        still included IS GREATER THAN the date on which the cheque was
        dishonoured for the second time PLUS 5 YEARS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(d) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the dishonoured cheque information
    for longer than 1 month after a period of 5 years commencing on 25
    February 1992 ONLY IF
        the most recent date on which the dishonoured cheque information was
        still included IS GREATER THAN 25th March, 1997

RULE Privacy Act 1988 Section 18F(2)(e) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(e) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(viii)

RULE Privacy Act 1988 Section 18F(2)(e) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(e) ONLY IF
        section 18V(3) applies to the court judgment information AND
        the credit reporting agency has kept the court judgment information
        for longer than 1 month after a period of 5 years commencing on 25
        February 1992 OR
        section 18V(3) does not apply to the court judgment information AND
        the credit reporting agency has kept the information longer than 1
        month after a period of 5 years commencing on the day on which the
        court judgment concerned was made

RULE Privacy Act 1988 Section 18F(2)(e) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 5 years commencing on the day on which the court
    judgment concerned was made ONLY IF
        the most recent date on which the court judgment information was
        still included IS GREATER THAN the date on which the court judgment
        was made PLUS 5 YEARS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(e) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the court judgment information for
    longer than 1 month after a period of 5 years commencing on 25 February
    1992 ONLY IF
        the most recent date on which the court judgment information was
        still included IS GREATER THAN 25th March, 1997

RULE Privacy Act 1988 Section 18F(2)(f) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(f) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(ix)

RULE Privacy Act 1988 Section 18F(2)(f) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(f) ONLY IF
        section 18V(3) applies to the bankruptcy information AND
        the credit reporting agency has kept the bankruptcy information for
        longer than 1 month after a period of 7 years commencing on 25
        February 1992 OR
        section 18V(3) does not apply to the bankruptcy information AND
        the credit reporting agency has kept the information longer than 1
        month after a period of 7 years commencing on the day on which the
        bankruptcy order concerned was made

RULE Privacy Act 1988 Section 18F(2)(f) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 7 years commencing on the day on which the bankruptcy
    order concerned was made ONLY IF
        the most recent date on which the bankruptcy information was still
        included IS GREATER THAN the date on which the bankruptcy order was
        made PLUS 7 YEARS PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(f) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the bankruptcy information for
    longer than 1 month after a period of 7 years commencing on 25 February
    1992 ONLY IF
        the most recent date on which the bankruptcy information was still
        included IS GREATER THAN 25th March, 1999

RULE Privacy Act 1988 Section 18F(2)(g) - type of information PROVIDES
    the credit information file contains information of a type described in
    section 18F(2)(g) ONLY IF
        the credit information file contains a record of a type described in
        paragraph 18E(1)(b)(x)

RULE Privacy Act 1988 Section 18F(2)(g) - maximum permissible period
PROVIDES
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(g) ONLY IF
        section 18V(3) applies to the serious credit infringement
        information AND
        the credit reporting agency has kept the serious credit infringement
        information for longer than 1 month after a period of 7 years
        commencing on 25 February 1992 OR
        section 18V(3) does not apply to the serious credit infringement
        information AND
        the credit reporting agency has kept the information longer than 1
        month after a period of 7 years commencing on the day on which the
        information was included in the credit information file

RULE Privacy Act 1988 Section 18F(2)(g) - max permissible period - Post Act
PROVIDES
    the credit reporting agency has kept the information longer than 1 month
    after a period of 7 years commencing on the day on which the information
    was included in the credit information file ONLY IF
        the most recent date on which the serious credit infringement
        information was still included IS GREATER THAN the date on which the
        information was included in the credit information file PLUS 7 YEARS
        PLUS 1 MONTHS

RULE Privacy Act 1988 Section 18F(2)(g) - max permissible period - Pre Act
PROVIDES
    the credit reporting agency has kept the serious credit infringement
    information for longer than 1 month after a period of 7 years commencing
    on 25 February 1992 ONLY IF
        the most recent date on which the serious credit infringement
        information was still included IS GREATER THAN 25th March, 1999

RULE Privacy Act 1988 Section 18F(3) PROVIDES
    IF the information recorder is a credit reporting agency AND
    the credit reporting agency has been given information that the
    individual concerned is overdue in making a payment in respect of credit
    provided by a credit provider THEN
        the credit provider has breached section 18F(3) ONLY IF
            the individual concerned ceases to be overdue in making the
            payment AND
            the credit provider informed the credit reporting agency, as
            soon as practicably, that the individual concerned has not
            ceased to be overdue in making the payment OR
            the individual concerned contends that the individual concerned
            is not overdue in making the payment AND
            the credit provider informed the credit reporting agency, as
            soon as practicably, that the individual concerned does not
            contend that the individual concerned is not overdue in making
            the payment

RULE Privacy Act 1988 Section 18F(4) PROVIDES
    the credit reporting agency has breached section 18F(4) ONLY IF
        the credit provider did inform the credit reporting agency, as soon
        as practicably, that the individual concerned has ceased to be
        overdue in making the payment AND
        the credit reporting agency has not included in the individual
        concerned's credit information file a note to the effect that the
        individual concerned has ceased to be overdue in making the payment 
        OR
        the credit provider informed the credit reporting agency, as soon as
        practicably, that the individual concerned does not contend that the
        individual concerned is not overdue in making the payment AND
        the credit reporting agency has not included in the individual
        concerned's credit information file a note to the effect that the
        individual concerned contends that the individual concerned is not
        overdue in making the payment

RULE Privacy Act 1988 Section 18F(5) PROVIDES
    IF the information recorder is a credit reporting agency AND
    the credit reporting agency maintains a credit information file relating
    to the individual concerned AND
    the credit information file contains a record of a type described in
    paragraph 18E(1)(b)(v) AND
    the credit provider ceases to be a current credit provider in relation
    to the individual concerned THEN
        the credit provider has breached section 18F(5) ONLY IF
            the credit provider notified the credit reporting agency, as
            soon as practicably, that the credit provider has not ceased to
            be a current credit provider in relation to the individual
            concerned

GOAL RULE Privacy Act 1988 Section 18G - Accuracy and security of files and
reports PROVIDES
    the information recorder has breached section 18G ONLY IF
        the information recorder is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in possession of a credit report
        relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit report
        relating to the individual concerned AND
        the credit reporting agency has not complied with section 18G(a) 
        AND/OR
        the credit reporting agency has not complied with section 18G(b) 
        AND/OR
        the credit reporting agency has not complied with section 18G(c) OR
        the information recorder is a credit provider AND
        the credit provider is in possession of a credit report relating to
        the individual concerned AND/OR
        the credit provider is in control of a credit report relating to the
        individual concerned AND
        the credit provider has not complied with section 18G(a) AND/OR
        the credit provider has not complied with section 18G(b) AND/OR
        the credit provider has not complied with section 18G(c)

RULE Privacy Act 1988 Section 18G(a) PROVIDES
    <> has complied with section 18G(a) ONLY IF
        <> has taken reasonable steps to ensure that the personal
        information contained in the file or report is accurate, up-to-
        date, complete and not misleading

RULE Privacy Act 1988 Section 18G(b) PROVIDES
    <> has complied with section 18G(b) ONLY IF
        <> has ensured that the file or report is protected, by such
        security safeguards as are reasonable in the circumstances, against
        loss, against unauthorised access, use, modification or disclosure,
        and against other misuse

RULE Privacy Act 1988 Section 18G(c) PROVIDES
    <> has complied with section 18G(c) ONLY IF
        it is necessary that the file or report be given to a person in
        connection with the provision of a service to <> AND
        <> has ensured that everything reasonably within its power is done
        to prevent unauthorised use or disclosure of personal information
        contained in the file or report

GOAL RULE Privacy Act 1988 Section 18H - Access to credit files and reports
PROVIDES
    the information recorder has breached section 18H ONLY IF
        the information recorder has breached section 18H(1) OR
        the information recorder has breached section 18H(2)

RULE Privacy Act 1988 Section 18H(1) PROVIDES
    the information recorder has breached section 18H(1) ONLY IF
        the information recorder is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND
        the credit reporting agency has not taken reasonable steps to ensure
        that the individual concerned can obtain access to the individual
        concerned's file AND/OR
        the credit reporting agency has not taken reasonable steps to ensure
        that a person mentioned in section 18H(3) can obtain access to the
        individual concerned's file

RULE Privacy Act 1988 Section 18H(2) PROVIDES
    the information recorder has breached section 18H(2) ONLY IF
        the information recorder is a credit provider AND
        the credit provider is in possession of a credit report relating to
        the individual concerned AND/OR
        the credit provider is in control of a credit report relating to the
        individual concerned AND
        the credit provider has not taken reasonable steps to ensure that
        the individual concerned can obtain access to the report AND/OR
        the credit provider has not taken reasonable steps to ensure that a
        person mentioned in section 18H(3) can obtain access to the report 
        OR
        the information recorder is a credit reporting agency AND
        the credit reporting agency is in possession of a credit report
        relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit report
        relating to the individual concerned AND
        the credit reporting agency has not taken reasonable steps to ensure
        that the individual concerned can obtain access to the report AND/OR
        the credit reporting agency has not taken reasonable steps to ensure
        that a person mentioned in section 18H(3) can obtain access to the
        report

RULE Privacy Act 1988 Section 18H(3) - credit information files PROVIDES
    the credit reporting agency has not taken reasonable steps to ensure
    that a person mentioned in section 18H(3) can obtain access to the
    individual concerned's file ONLY IF
        a person other than the individual concerned sought access to the
        individual concerned's credit information file AND
        the other access seeker is a person who may potentially be allowed
        access under section 18H(3) AND
        the other access seeker has been authorised in writing by the
        individual concerned to obtain access to the credit information file
        in connection with an application, or a proposed application, by the
        individual concerned for a loan AND/OR
        the other access seeker has been authorised in writing by the
        individual concerned to obtain access to the credit information file
        in connection with the individual concerned having sought advice in
        relation to a loan

RULE Privacy Act 1988 Section 18H(3) - credit reports PROVIDES
    <> has not taken reasonable steps to ensure that a person mentioned in
    section 18H(3) can obtain access to the report ONLY IF
        a person other than the individual concerned sought access to the
        credit report containing personal information about the individual
        concerned AND
        the other access seeker is a person who may potentially be allowed
        access under section 18H(3) AND
        the other access seeker has been authorised in writing by the
        individual concerned to obtain access to the credit report in
        connection with an application, or a proposed application, by the
        individual concerned for a loan AND/OR
        the other access seeker has been authorised in writing by the
        individual concerned to obtain access to the credit report in
        connection with the individual concerned having sought advice in
        relation to a loan

RULE Privacy Act 1988 Section 18H(3) - eligible persons PROVIDES
    the other access seeker is a person who may potentially be allowed
    access under section 18H(3) ONLY IF
        the other access seeker is not a credit provider AND
        the other access seeker is not a mortgage insurer AND
        the other access seeker is not a trade insurer

GOAL RULE Privacy Act 1988 Section 18J - Alteration of credit files and
reports PROVIDES
    DETERMINE IF the information recorder has breached section 18J(1)
    DETERMINE IF the information recorder has breached section 18J(2)
    IF the information recorder is a credit provider AND
    the credit provider is in possession of a credit report relating to the
    individual concerned AND/OR
    the credit provider is in control of a credit report relating to the
    individual concerned AND
    the individual concerned has requested the credit provider to make a
    correction, deletion or addition to the personal information contained
    in the credit report AND
    the credit provider has not amended personal information contained in
    the credit report by making a correction, deletion or addition in
    accordance with the request AND
    the individual concerned has requested the credit provider to include in
    the credit report a statement provided by the individual concerned of
    the correction, deletion or addition sought THEN
        DETERMINE IF the credit provider may refer the statement to the
        Commissioner

    IF the information recorder is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND/OR
    the credit reporting agency is in possession of a credit report relating
    to the individual concerned AND/OR
    the credit reporting agency is in control of a credit report relating to
    the individual concerned AND
    the individual concerned has requested the credit reporting agency to
    make a correction, deletion or addition to the personal information
    contained in the file or report AND
    the credit reporting agency has not amended personal information
    contained in the file or report by making a correction, deletion or
    addition in accordance with the request AND
    the individual concerned has requested the credit reporting agency to
    include in the file or report a statement provided by the individual
    concerned of the correction, deletion or addition sought THEN
        DETERMINE IF the credit reporting agency may refer the statement to
        the Commissioner


RULE Privacy Act 1988 Section 18J(1) PROVIDES
    the information recorder has breached section 18J(1) ONLY IF
        the information recorder is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in possession of a credit report
        relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit report
        relating to the individual concerned AND
        the credit reporting agency has not taken reasonable steps, by way
        of making appropriate corrections, deletions and additions, to
        ensure that the personal information contained in the file or report
        is accurate, up-to-date, complete and not misleading OR
        the information recorder is a credit provider AND
        the credit provider is in possession of a credit report relating to
        the individual concerned AND/OR
        the credit provider is in control of a credit report relating to the
        individual concerned AND
        the credit provider has not taken reasonable steps, by way of making
        appropriate corrections, deletions and additions, to ensure that the
        personal information contained in the credit report is accurate,
        up-to-date, complete and not misleading

RULE Privacy Act 1988 Section 18J(2) PROVIDES
    the information recorder has breached section 18J(2) ONLY IF
        the information recorder is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in possession of a credit report
        relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit report
        relating to the individual concerned AND
        the individual concerned has requested the credit reporting agency
        to make a correction, deletion or addition to the personal
        information contained in the file or report AND
        the credit reporting agency has not amended personal information
        contained in the file or report by making a correction, deletion or
        addition in accordance with the request AND
        the individual concerned has requested the credit reporting agency
        to include in the file or report a statement provided by the
        individual concerned of the correction, deletion or addition sought 
        AND
        the credit reporting agency has not taken reasonable steps to
        include the statement in the file or report within 30 days of being
        requested to do so OR
        the information recorder is a credit provider AND
        the credit provider is in possession of a credit report relating to
        the individual concerned AND/OR
        the credit provider is in control of a credit report relating to the
        individual concerned AND
        the individual concerned has requested the credit provider to make a
        correction, deletion or addition to the personal information
        contained in the credit report AND
        the credit provider has not amended personal information contained
        in the credit report by making a correction, deletion or addition in
        accordance with the request AND
        the individual concerned has requested the credit provider to
        include in the credit report a statement provided by the individual
        concerned of the correction, deletion or addition sought AND
        the credit provider has not taken reasonable steps to include the
        statement in the credit report within 30 days of being requested to
        do so

RULE Privacy Act 1988 Section 18J(3) - credit reporting agency PROVIDES
    IF the information recorder is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND/OR
    the credit reporting agency is in possession of a credit report relating
    to the individual concerned AND/OR
    the credit reporting agency is in control of a credit report relating to
    the individual concerned AND
    the individual concerned has requested the credit reporting agency to
    make a correction, deletion or addition to the personal information
    contained in the file or report AND
    the credit reporting agency has not amended personal information
    contained in the file or report by making a correction, deletion or
    addition in accordance with the request AND
    the individual concerned has requested the credit reporting agency to
    include in the file or report a statement provided by the individual
    concerned of the correction, deletion or addition sought THEN
        the credit reporting agency may refer the statement to the
        Commissioner ONLY IF
            the credit reporting agency considers the statement to be of
            undue length in the circumstances

RULE Privacy Act 1988 Section 18J(3) - credit provider PROVIDES
    IF the information recorder is a credit provider AND
    the credit provider is in possession of a credit report relating to the
    individual concerned AND/OR
    the credit provider is in control of a credit report relating to the
    individual concerned AND
    the individual concerned has requested the credit provider to make a
    correction, deletion or addition to the personal information contained
    in the credit report AND
    the credit provider has not amended personal information contained in
    the credit report by making a correction, deletion or addition in
    accordance with the request AND
    the individual concerned has requested the credit provider to include in
    the credit report a statement provided by the individual concerned of
    the correction, deletion or addition sought THEN
        the credit provider may refer the statement to the Commissioner ONLY
        IF
            the credit provider considers the statement to be of undue
            length in the circumstances

GOAL RULE Privacy Act 1988 Section 18K - Disclosure by credit reporting
agency PROVIDES
    DETERMINE IF the information provider has breached section 18K(1)
    DETERMINE IF the information provider has breached section 18K(2)
    DETERMINE IF the information provider is guilty of an offence under
    section 18K(4) punishable on conviction by a fine not exceeding $150000
    IF the information provider is a credit reporting agency THEN
        DETERMINE IF according to section 18K(5), the credit reporting
        agency must include a note of the disclosure in the individual
        concerned's credit information file


RULE Privacy Act 1988 Section 18K(1) PROVIDES
    the information provider has breached section 18K(1) ONLY IF
        the information provider is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND
        the credit reporting agency has disclosed personal information about
        the individual concerned to a person, body or agency (other than the
        individual concerned) AND
        the disclosed information is contained in a credit information file
        relating to the individual concerned AND
        one of the exceptions listed in section 18K(1)(a) to (n) does not
        apply

RULE Privacy Act 1988 Section 18K(1) - exceptions PROVIDES
    one of the exceptions listed in section 18K(1)(a) to (n) applies ONLY IF
        section 18K(1)(a) applies OR
        section 18K(1)(b) applies OR
        section 18K(1)(c) applies OR
        section 18K(1)(d) applies OR
        section 18K(1)(e) applies OR
        section 18K(1)(f) applies OR
        section 18K(1)(g) applies OR
        section 18K(1)(h) applies OR
        section 18K(1)(j) applies OR
        section 18K(1)(k) applies OR
        section 18K(1)(m) applies OR
        section 18K(1)(n) applies

RULE Privacy Act 1988 Section 18K(1)(a) PROVIDES
    section 18K(1)(a) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider has requested the report for the purpose of
        assessing an application for credit made by the individual concerned
        to the credit provider AND
        the information in the credit report satisfies section 18K(6)

RULE Privacy Act 1988 Section 18K(1)(b) PROVIDES
    section 18K(1)(b) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider has requested the report for the purpose of
        assessing an application for commercial credit made by the
        individual concerned to the credit provider AND
        the individual concerned has specifically agreed, in accordance with
        section 18K(1A), to the report being given to the credit provider
        for that purpose

RULE Privacy Act 1988 Section 18K(1)(c) PROVIDES
    section 18K(1)(c) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider has requested the report for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in a situation described in subparagraph 18K(1)(c)(i) AND/OR
        the credit provider has requested the report for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in a situation described in subparagraph 18K(1)(c)(ii) AND
        the individual concerned has specifically agreed, in writing, to the
        report being given to the credit provider for that purpose

RULE Privacy Act 1988 Section 18K(1)(c)(i) PROVIDES
    the credit provider has requested the report for the purpose of
    assessing whether to accept the individual concerned as a guarantor in a
    situation described in subparagraph 18K(1)(c)(i) ONLY IF
        the credit provider has requested the report for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in respect of a loan provided by the credit provider to another
        person

RULE Privacy Act 1988 Section 18K(1)(c)(ii) PROVIDES
    the credit provider has requested the report for the purpose of
    assessing whether to accept the individual concerned as a guarantor in a
    situation described in subparagraph 18K(1)(c)(ii) ONLY IF
        the credit provider has requested the report for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in respect of a loan for which an application has been made by
        another person to the credit provider

RULE Privacy Act 1988 Section 18K(1)(d) PROVIDES
    section 18K(1)(d) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a mortgage insurer AND
        the report was given to the mortgage insurer for the purpose
        described in subparagraph 18K(1)(d)(i) AND/OR
        the report was given to the mortgage insurer for the purpose
        described in subparagraph 18K(1)(d)(ii)

RULE Privacy Act 1988 Section 18K(1)(d)(i) PROVIDES
    the report was given to the mortgage insurer for the purpose described
    in subparagraph 18K(1)(d)(i) ONLY IF
        a person or organisation has given mortgage credit to the individual
        concerned AND
        the source of mortgage credit is a credit provider AND
        the report was given to the mortgage insurer for the purpose of
        assessing whether to provide insurance to, or the risk of providing
        insurance to, the source of mortgage credit

RULE Privacy Act 1988 Section 18K(1)(d)(ii) PROVIDES
    the report was given to the mortgage insurer for the purpose described
    in subparagraph 18K(1)(d)(ii) ONLY IF
        a person or organisation has given mortgage credit to the individual
        concerned AND
        the source of mortgage credit is a credit provider AND
        the report was given to the mortgage insurer for the purpose of
        assessing the risk of the individual concerned defaulting on
        mortgage credit in respect of which the mortgage insurer has
        provided insurance to the source of mortgage credit

RULE Privacy Act 1988 Section 18K(1)(e) PROVIDES
    section 18K(1)(e) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a trade insurer AND
        the report was given to the trade insurer for the purpose described
        in subparagraph 18K(1)(e)(i) AND/OR
        the report was given to the trade insurer for the purpose described
        in subparagraph 18K(1)(e)(ii) AND
        the individual concerned has specifically agreed, in writing, to the
        report being given to the trade insurer for that purpose

RULE Privacy Act 1988 Section 18K(1)(e)(i) PROVIDES
    the report was given to the trade insurer for the purpose described in
    subparagraph 18K(1)(e)(i) ONLY IF
        a person or organisation has given commercial credit to the
        individual concerned AND
        the source of commercial credit is a credit provider AND
        the report was given to the trade insurer for the purpose of
        assessing whether to provide insurance to, or the risk of providing
        insurance to, the source of commercial credit

RULE Privacy Act 1988 Section 18K(1)(e)(ii) PROVIDES
    the report was given to the trade insurer for the purpose described in
    subparagraph 18K(1)(e)(ii) ONLY IF
        a person or organisation has given commercial credit to the
        individual concerned AND
        the source of commercial credit is a credit provider AND
        the report was given to the trade insurer for the purpose of
        assessing the risk of the individual concerned defaulting on
        mortgage credit in respect of which the trade insurer has provided
        insurance to the source of commercial credit

RULE Privacy Act 1988 Section 18K(1)(f) PROVIDES
    section 18K(1)(f) applies ONLY IF
        the credit reporting agency has received information of a kind
        referred to in subparagraph 18E(1)(b)(vi) at least 30 days before
        the disclosure AND
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider is referred to in the credit information file as
        a credit provider who is a current credit provider in relation to
        the individual concerned

RULE Heuristic - Privacy Act 1988 Section 18K(1)(f) - paraphrase PROVIDES
    the credit reporting agency has received information of a kind referred
    to in subparagraph 18E(1)(b)(vi) at least 30 days before the disclosure
    ONLY IF
        the individual concerned's credit information file contains a record
        of the type described in paragraph 18E(1)(b)(vi) AND
        the date of disclosure of the 60 day overdue credit information IS
        GREATER THAN the date of inclusion of the 60 day overdue credit
        information PLUS 30 DAYS

RULE Privacy Act 1988 Section 18K(1)(g) PROVIDES
    section 18K(1)(g) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider requested the report for the purpose of the
        collection of payments that are overdue in respect of credit
        provided to the individual concerned by the credit provider

RULE Privacy Act 1988 Section 18K(1)(h) PROVIDES
    section 18K(1)(h) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND
        the credit provider requested the report for the purpose of the
        collection of payments that are overdue in respect of commercial
        credit provided to a person by the credit provider AND
        the situation described in subparagraph 18K(1)(h)(i) applies AND/OR
        the situation described in subparagraph 18K(1)(h)(ii) applies AND/OR
        the situation described in subparagraph 18K(1)(h)(iii) applies

RULE Privacy Act 1988 Section 18K(1)(h)(i) PROVIDES
    the situation described in subparagraph 18K(1)(h)(i) applies ONLY IF
        the individual concerned has specifically agreed, in writing, to the
        report being given to the credit provider for that purpose

RULE Privacy Act 1988 Section 18K(1)(h)(ii) PROVIDES
    the situation described in subparagraph 18K(1)(h)(ii) applies ONLY IF
        the individual concerned had specifically agreed, in writing, to a
        credit report relating to the individual concerned being given to
        the credit provider for the purpose of assessing an application by
        another person for commercial credit

RULE Privacy Act 1988 Section 18K(1)(h)(iii) PROVIDES
    the situation described in subparagraph 18K(1)(h)(iii) applies ONLY IF
        the credit provider provided the commercial credit concerned before
        the commencement of section 18K

RULE Privacy Act 1988 Section 18K(1)(j) PROVIDES
    section 18K(1)(j) applies ONLY IF
        the disclosed information is contained in a credit report AND
        the recipient of personal information from a credit reporting agency
        is a credit reporting agency

RULE Privacy Act 1988 Section 18K(1)(k) PROVIDES
    section 18K(1)(k) applies ONLY IF
        the disclosed information is contained in a record in which the only
        personal information relating to individuals is publicly available
        information

RULE Privacy Act 1988 Section 18K(1)(m) PROVIDES
    section 18K(1)(m) applies ONLY IF
        the disclosure is required or authorised by or under law

RULE Privacy Act 1988 Section 18K(1)(n) PROVIDES
    section 18K(1)(n) applies ONLY IF
        the credit reporting agency is satisfied that a credit provider or
        law enforcement authority believes on reasonable grounds that the
        individual concerned has committed a serious credit infringement AND
        the recipient of personal information from a credit reporting agency
        is a credit provider AND/OR
        the recipient of personal information from a credit reporting agency
        is a law enforcement authority

RULE Privacy Act 1988 Section 18K(1A) PROVIDES
    the individual concerned has specifically agreed, in accordance with
    section 18K(1A), to the report being given to the credit provider for
    that purpose ONLY IF
        the individual concerned has specifically agreed, in writing, to the
        report being given to the credit provider for that purpose OR
        the report was requested for the purpose of assessing an application
        for commercial credit that was at first instance made orally AND
        the application for commercial credit has not been made in writing
        yet

RULE Privacy Act 1988 Section 18K(2) PROVIDES
    the information provider has breached section 18K(2) ONLY IF
        the information provider is a credit reporting agency AND
        the credit reporting agency is in possession of a credit information
        file relating to the individual concerned AND/OR
        the credit reporting agency is in control of a credit information
        file relating to the individual concerned AND
        the credit reporting agency has disclosed personal information about
        the individual concerned to a person, body or agency (other than the
        individual concerned) AND
        the disclosed information is contained in a credit information file
        relating to the individual concerned AND/OR
        the disclosed information is contained in a record containing
        information derived from the individual concerned's credit
        information file AND BEGIN
            the individual concerned's credit information file contains
            personal information that the credit reporting agency would be
            prohibited from including in a credit information file under
            section 18E AND
            the disclosed information is not information the disclosure of
            which is taken not to be in contravention of section 18K(2)
            because of the application of section 18K(3) OR
            the individual concerned's credit information file contains
            personal information that the credit reporting agency would be
            required to delete from such a file under section 18F
        END


RULE Privacy Act 1988 Section 18K(3) PROVIDES
    <> is information the disclosure of which is taken not to be in
    contravention of section 18K(2) because of the application of section
    18K(3) ONLY IF
        the credit reporting agency included the prohibited information in
        the individual concerned's credit information file before the
        commencement of section 18K AND
        <> is information of a kind that the Commissioner has determined to
        be information that the credit reporting agency may disclose without
        contravening section 18K(2)

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations
PROVIDES
    <> is information of a kind that the Commissioner has determined to be
    information that the credit reporting agency may disclose without
    contravening section 18K(2) ONLY IF
        the credit reporting agency is the Credit Reference Association of
        Australia AND
        <> is information of a kind that is specified in the Commissioner's
        determination regarding the Credit Reference Association of
        Australia OR
        the credit reporting agency is the Tasmanian Collection Service AND
        <> is information of a kind that is specified in the Commissioner's
        determination regarding the Tasmanian Collection Service

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determination - TCS
PROVIDES
    the disclosed information is information of a kind that is specified in
    the Commissioner's determination regarding the Tasmanian Collection
    Service ONLY IF
        the disclosed information was included in the credit information
        file before 24 September 1991 AND
        the disclosed information is information which indicates that the
        the individual concerned has defaulted in making a payment in
        respect of commercial credit AND
        the disclosure of prohibited information occurs later than five
        years from the date on which the information was not first included
        in the credit information file AND
        the disclosure occurs while the determination is effective (between
        25 February 1992 and 24 September 1996)

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determination - CRAA
PROVIDES
    the disclosed information is information of a kind that is specified in
    the Commissioner's determination regarding the Credit Reference
    Association of Australia ONLY IF
        the disclosed information was included in the credit information
        file before 24 September 1991 AND
        the disclosed information is information relating to enquiries or
        overdue payments in a case where the credit reporting agency cannot
        reasonably ascertain whether the supplier of information was a
        credit provider at the time of supply of the information AND/OR
        the disclosed information is information which indicates that the
        the individual concerned has defaulted in making a payment in
        respect of commercial credit AND
        the disclosure of prohibited information occurs later than five
        years from the date on which the information was not first included
        in the credit information file AND
        the disclosure occurs while the determination is effective (between
        25 February 1992 and 24 September 1996)

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations - dates
of effect PROVIDES
    the disclosure occurs while the determination is effective (between 25
    February 1992 and 24 September 1996) ONLY IF
        the date of disclosure of the prohibited information IS GREATEREQUAL
        THAN 25th February, 1992 AND
        the date of disclosure of the prohibited information IS LESS THAN 
        24th September, 1996

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations -
clause 2 PROVIDES
    the disclosure of prohibited information occurs later than five years
    from the date on which the information was not first included in the
    credit information file ONLY IF
        the date of disclosure of the prohibited information IS LESS THAN 
        the date of inclusion of the prohibited information PLUS 5 YEARS

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determination - TCS -
18L(5) use PROVIDES
    the used information is information of a kind that is specified in the
    Commissioner's determination regarding the Tasmanian Collection Service
    ONLY IF
        the used information was included in the credit information file
        before 24 September 1991 AND
        the used information is information which indicates that the the
        individual concerned has defaulted in making a payment in respect of
        commercial credit AND
        the use of prohibited information does not occur later than five
        years from the date on which the information was first included in
        the credit information file AND
        the use occurs while the determination is effective (between 25
        February 1992 and 24 September 1996)

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determination - CRAA -
18L(5) use PROVIDES
    the used information is information of a kind that is specified in the
    Commissioner's determination regarding the Credit Reference Association
    of Australia ONLY IF
        the used information was included in the credit information file
        before 24 September 1991 AND
        the used information is information relating to enquiries or overdue
        payments in a case where the credit reporting agency cannot
        reasonably ascertain whether the supplier of information was a
        credit provider at the time of supply of the information AND/OR
        the used information is information which indicates that the the
        individual concerned has defaulted in making a payment in respect of
        commercial credit AND
        the use of prohibited information does not occur later than five
        years from the date on which the information was first included in
        the credit information file AND
        the use occurs while the determination is effective (between 25
        February 1992 and 24 September 1996)

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations - dates
of effect - 18L(5) use PROVIDES
    the use occurs while the determination is effective (between 25 February
    1992 and 24 September 1996) ONLY IF
        the date of use of the prohibited information IS GREATEREQUAL THAN 
        25th February, 1992 AND
        the date of use of the prohibited information IS LESS THAN 24th
        September, 1996

RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations -
clause 2 - 18L(5) use PROVIDES
    the use of prohibited information does not occur later than five years
    from the date on which the information was first included in the credit
    information file ONLY IF
        the date of use of the prohibited information IS LESS THAN the date
        of inclusion of the prohibited information PLUS 5 YEARS

RULE Privacy Act 1988 Section 18K(4) PROVIDES
    the information provider is guilty of an offence under section 18K(4)
    punishable on conviction by a fine not exceeding $150000 ONLY IF
        the information provider has breached section 18K(1) AND
        the information provider breached section 18K(1) knowingly or
        recklessly OR
        the information provider has breached section 18K(2) AND
        the information provider breached section 18K(2) knowingly or
        recklessly

RULE Privacy Act 1988 Section 18K(5) PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned THEN
        according to section 18K(5), the credit reporting agency must
        include a note of the disclosure in the individual concerned's
        credit information file

RULE Privacy Act 1988 Section 18K(6) PROVIDES
    the information in the credit report satisfies section 18K(6) ONLY IF
        the information in the credit report does not include information
        relating to the individual concerned's commercial activities OR
        the information in the credit report that relates to the individual
        concerned's commercial activities is permitted under section 18E to
        be included in the individual concerned's credit information file

GOAL RULE Privacy Act 1988 Section 18L - Use by credit providers PROVIDES
    DETERMINE IF the information user has breached section 18L(1)
    DETERMINE IF the information user is guilty of an offence against
    section 18L punishable on conviction by a fine not exceeding $150000
    DETERMINE IF the information user has breached section 18L(3)
    DETERMINE IF the information user has breached section 18L(4)

RULE Privacy Act 1988 Section 18L(1) PROVIDES
    the information user has breached section 18L(1) ONLY IF
        the information user is a credit provider AND
        the credit provider is in possession of a credit report AND/OR
        the credit provider has been in possession of a credit report AND/OR
        the credit provider is in control of a credit report AND/OR
        the credit provider has been in control of a credit report AND
        the credit provider has used the credit report or personal
        information derived from the credit report AND
        the credit provider has used the credit report or personal
        information derived from the report for a purpose other than
        assessing an application for credit made to the credit provider by
        the individual concerned AND
        one of the exceptions listed in section 18L(1)(a) to (f) does not
        apply

RULE Privacy Act 1988 Section 18L(1) - exceptions PROVIDES
    one of the exceptions listed in section 18L(1)(a) to (f) applies ONLY IF
        section 18L(1)(a) applies OR
        section 18L(1)(b) applies OR
        section 18L(1)(ba) applies OR
        section 18L(1)(c) applies OR
        section 18L(1)(d) applies OR
        section 18L(1)(e) applies OR
        section 18L(1)(f) applies

RULE Privacy Act 1988 Section 18L(1)(a) PROVIDES
    section 18L(1)(a) applies ONLY IF
        the credit report was obtained under section 18K(1)(b) AND
        the credit provider has used the used information for the purpose of
        assessing an application for commercial credit made by the
        individual concerned to the credit provider

RULE Privacy Act 1988 Section 18L(1)(a) paraphrase re s.18K(1)(b) PROVIDES
    the credit report was obtained under section 18K(1)(b) ONLY IF
        section 18K(1)(b) applies

RULE Privacy Act 1988 Section 18L(1)(b) PROVIDES
    section 18L(1)(b) applies ONLY IF
        the credit report was obtained under section 18K(1)(c) AND
        the credit provider has used the used information for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in respect of a loan provided by the credit provider to another
        person AND/OR
        the credit provider has used the used information for the purpose of
        assessing whether to accept the individual concerned as a guarantor
        in respect of a loan for which an application has been made by
        another person to the credit provider

RULE Privacy Act 1988 Section 18L(1)(b) paraphrase re s.18K(1)(c) PROVIDES
    the credit report was obtained under section 18K(1)(c) ONLY IF
        section 18K(1)(c) applies

RULE Privacy Act 1988 Section 18L(1)(ba) PROVIDES
    section 18L(1)(ba) applies ONLY IF
        the credit report was obtained under section 18K(1)(a), (b) or (c) 
        AND
        the credit provider has used the used information for the internal
        management purposes of the credit provider AND
        the internal management purposes are purposes directly related to
        the provision or management of loans by the credit provider

RULE Privacy Act 1988 Section 18L(1)(ba) paraphrase re s.18K(1)(a), (b) and
(c) PROVIDES
    the credit report was obtained under section 18K(1)(a), (b) or (c) ONLY
    IF
        section 18K(1)(a) applies OR
        section 18K(1)(b) applies OR
        section 18K(1)(c) applies

RULE Privacy Act 1988 Section 18L(1)(c) PROVIDES
    section 18L(1)(c) applies ONLY IF
        the credit report was obtained under section 18K(1)(f) AND
        the credit provider has used the used information for the purpose of
        assisting the individual concerned to avoid defaulting on the
        individual concerned's credit obligations

RULE Privacy Act 1988 Section 18L(1)(c) paraphrase re s.18K(1)(f) PROVIDES
    the credit report was obtained under section 18K(1)(f) ONLY IF
        section 18K(1)(f) applies

RULE Privacy Act 1988 Section 18L(1)(d) PROVIDES
    section 18L(1)(d) applies ONLY IF
        the credit provider has used the used information for the purpose of
        the collection of payments that are overdue in respect of credit
        provided to the individual concerned by the credit provider

RULE Privacy Act 1988 Section 18L(1)(e) PROVIDES
    section 18L(1)(e) applies ONLY IF
        the credit provider has used the used information for a purpose that
        is required or authorised by or under law

RULE Privacy Act 1988 Section 18L(1)(f) PROVIDES
    section 18L(1)(f) applies ONLY IF
        the credit provider believes on reasonable grounds that the
        individual concerned has committed a serious credit infringement AND
        the used information is used in connection with the serious credit
        infringement

RULE Privacy Act 1988 Section 18L(2) PROVIDES
    the information user is guilty of an offence under section 18L(2)
    punishable on conviction by a fine not exceeding $150000 ONLY IF
        the information user has breached section 18L(1) AND
        the information user breached section 18L(1) knowingly or recklessly

RULE Privacy Act 1988 Section 18L(3) PROVIDES
    the information user has breached section 18L(3) ONLY IF
        the information user is a credit provider AND
        the credit provider is in possession of a credit report AND/OR
        the credit provider has been in possession of a credit report AND/OR
        the credit provider is in control of a credit report AND/OR
        the credit provider has been in control of a credit report AND
        the credit provider has used the credit report contrary to paragraph
        18L(3)(a) AND/OR
        the credit provider has used the credit report contrary to paragraph
        18L(3)(b)

RULE Privacy Act 1988 Section 18L(3)(a) PROVIDES
    the credit provider has used the credit report contrary to paragraph
    18L(3)(a) ONLY IF
        the credit provider has used the credit report AND
        the used information is personal information AND
        the used information is not information of a kind referred to in
        subsection 18E(1) AND
        the used information is not of a kind which is exempted under
        section 18L(5)

RULE Privacy Act 1988 Section 18L(3)(b) PROVIDES
    the credit provider has used the credit report contrary to paragraph
    18L(3)(b) ONLY IF
        the credit provider has used personal information derived from the
        credit report AND
        the used information is not information of a kind referred to in
        subsection 18E(1) AND
        the used information is not of a kind which is exempted under
        section 18L(5)

RULE Privacy Act 1988 Section 18L(4) PROVIDES
    the information user has breached section 18L(4) ONLY IF
        the information user is a credit provider AND
        the credit provider has received a credit report for the purpose of
        assessing an application for credit made to the credit provider by
        the individual concerned AND
        the credit provider has used information which concerns the
        individual concerned's commercial activities or commercial credit
        worthiness in assessing the application for credit AND
        the used information was obtained from a person or body carrying on
        a business or undertaking involving the provision of information
        about the commercial credit worthiness of persons AND
        the individual concerned has not specifically agreed, in accordance
        with section 18L(4A), to the used information being obtained by the
        credit provider for the purpose of assessing the individual
        concerned's application for credit

RULE Privacy Act 1988 Section 18L(4A) PROVIDES
    the individual concerned has specifically agreed, in accordance with
    section 18L(4A), to the used information being obtained by the credit
    provider for the purpose of assessing the individual concerned's
    application for credit ONLY IF
        the individual concerned has specifically agreed in writing to the
        used information being obtained by the credit provider for the
        purpose of assessing the individual concerned's application for
        credit OR
        the credit provider obtained the used information for the purpose of
        assessing an application for credit by the individual concerned that
        was at first instance made orally AND
        the individual concerned's application for credit has not been made
        in writing yet

RULE Privacy Act 1988 Section 18L(5) PROVIDES
    the used information is of a kind which is exempted under section 18L(5)
    ONLY IF
        the used information is information the disclosure of which is taken
        not to be in contravention of section 18K(2) because of the
        application of section 18K(3)

GOAL RULE Privacy Act 1988 Section 18N - Disclosure by credit provider
PROVIDES
    DETERMINE IF the information provider has breached section 18N(1)
    DETERMINE IF the information provider is guilty of an offence under
    section 18N(2) punishable on conviction by a fine not exceeding $150000
    DETERMINE IF the information provider has breached section 18N(3)

RULE Privacy Act 1988 Section 18N(1) PROVIDES
    the information provider has breached section 18N(1) ONLY IF
        the information provider is a credit provider AND
        the credit provider is in possession of a report AND/OR
        the credit provider has been in possession of a report AND/OR
        the credit provider is in control of a report AND/OR
        the credit provider has been in control of a report AND
        the credit provider has disclosed the report or personal information
        derived from the report to another person AND
        the purpose of the disclosure does not fall into one of the
        categories listed in section 18N(1)(a) to (h)

RULE Privacy Act 1988 Section 18N(1) - exceptions PROVIDES
    the purpose of the disclosure falls into one of the categories listed in
    section 18N(1)(a) to (h) ONLY IF
        section 18N(1)(a) applies OR
        section 18N(1)(b) applies OR
        section 18N(1)(ba) applies OR
        section 18N(1)(bb) applies OR
        section 18N(1)(bc) applies OR
        section 18N(1)(bd) applies OR
        section 18N(1)(be) applies OR
        section 18N(1)(bf) applies OR
        section 18N(1)(bg) applies OR
        section 18N(1)(c) applies OR
        section 18N(1)(d) applies OR
        section 18N(1)(e) applies OR
        section 18N(1)(f) applies OR
        section 18N(1)(g) applies OR
        section 18N(1)(ga) applies OR
        section 18N(1)(h) applies

RULE Privacy Act 1988 Section 18N(1)(a) PROVIDES
    section 18N(1)(a) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a credit reporting agency AND
        the purpose of the disclosure to the credit reporting agency is
        mentioned in subparagraph 18N(1)(a)(i) AND/OR
        the purpose of the disclosure to the credit reporting agency is
        mentioned in subparagraph 18N(1)(a)(ii)

RULE Privacy Act 1988 Section 18N(1)(a)(i) PROVIDES
    the purpose of the disclosure to the credit reporting agency is
    mentioned in subparagraph 18N(1)(a)(i) ONLY IF
        the disclosure was made for the purpose of being used to create a
        credit information file in relation to the individual concerned

RULE Privacy Act 1988 Section 18N(1)(a)(ii) PROVIDES
    the purpose of the disclosure to the credit reporting agency is
    mentioned in subparagraph 18N(1)(a)(ii) ONLY IF
        the disclosure was made for the purpose of being used to include
        information in a credit information file maintained by the credit
        reporting agency in relation to the individual concerned

RULE Privacy Act 1988 Section 18N(1)(b) PROVIDES
    section 18N(1)(b) applies ONLY IF
        the recipient of the report or information from a credit provider is
        another credit provider AND
        the individual concerned has specifically agreed, in accordance with
        section 18N(1A), to the disclosure to the recipient credit provider
        for a particular purpose AND
        the purpose of the disclosure to the recipient credit provider is
        that to which the individual concerned has specifically agreed

RULE Privacy Act 1988 Section 18N(1)(ba) PROVIDES
    section 18N(1)(ba) applies ONLY IF
        the recipient of the report or information from a credit provider is
        the guarantor of a loan provided by the credit provider to the
        individual concerned AND
        the disclosure to the loan guarantor was made for any purpose
        related to the enforcement or proposed enforcement of the guarantee

RULE Privacy Act 1988 Section 18N(1)(bb) PROVIDES
    section 18N(1)(bb) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a mortgage insurer AND
        the disclosure to the mortgage insurer was made for a purpose
        mentioned in subparagraph 18N(1)(bb)(i) AND/OR
        the disclosure to the mortgage insurer was made for a purpose
        mentioned in subparagraph 18N(1)(bb)(ii) AND/OR
        the disclosure to the mortgage insurer was made for a purpose
        mentioned in subparagraph 18N(1)(bb)(iii)

RULE Privacy Act 1988 Section 18N(1)(bb)(i) PROVIDES
    the disclosure to the mortgage insurer was made for a purpose mentioned
    in subparagraph 18N(1)(bb)(i) ONLY IF
        the disclosure to the mortgage insurer was made for the purpose of
        assessing whether to provide insurance to, or the risk of providing
        insurance to, the credit provider in respect of mortgage credit
        given by the credit provider to the individual concerned OR
        the disclosure to the mortgage insurer was made for the purpose of
        assessing whether to provide insurance to, or the risk of providing
        insurance to, the credit provider in respect of mortgage credit
        applied for by the individual concerned to the credit provider

RULE Privacy Act 1988 Section 18N(1)(bb)(ii) PROVIDES
    the disclosure to the mortgage insurer was made for a purpose mentioned
    in subparagraph 18N(1)(bb)(ii) ONLY IF
        the disclosure to the morgage insurer was made for the purpose of
        assessing the risk of the individual concerned defaulting on
        mortgage credit in respect of which the mortgage insurer has
        provided insurance to the credit provider

RULE Privacy Act 1988 Section 18N(1)(bb)(iii) PROVIDES
    the disclosure to the mortgage insurer was made for a purpose mentioned
    in subparagraph 18N(1)(bb)(iii) ONLY IF
        the disclosure to the mortgage insurer was made for any purpose
        arising under a contract for mortgage insurance that has been
        entered into between the credit provider and the mortgage insurer

RULE Privacy Act 1988 Section 18N(1)(bc) PROVIDES
    section 18N(1)(bc) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a person or body generally recognised as being a person appointed,
        or body established, for the purpose of settling disputes between
        credit providers and their customers AND
        the disclosure to the dispute resolver was made for the purpose of
        settling a dispute between the credit provider and the individual
        concerned

RULE Privacy Act 1988 Section 18N(1)(bd) PROVIDES
    section 18N(1)(bd) applies ONLY IF
        the recipient of the report or information from a credit provider is
        an authority of a State or Territory whose functions include giving
        assistance (directly or indirectly) that facilitates the giving of
        mortgage credit to individuals AND
        the disclosure was made for the purpose of enabling the assisting
        authority to determine the extent of assistance (if any) it will
        give in relation to the giving of mortgage credit to the individual
        concerned

RULE Privacy Act 1988 Section 18N(1)(be) PROVIDES
    section 18N(1)(be) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a person or body carrying on a business of supplying goods or
        services AND
        the merchant has supplied goods or services to the individual
        concerned AND
        the disclosure was made for the purpose of enabling the merchant to
        decide whether to accept, as payment for the goods or services
        supplied, payment by means of credit card or electronic transfer of
        funds AND
        the disclosed information is of a type mentioned in paragraph
        18N(1)(be)(iii)

RULE Privacy Act 1988 Section 18N(1)(be)(iii) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(be)(iii) ONLY IF
        the disclosed information is of a type mentioned in paragraph
        18N(1)(be)(iii)(A) AND/OR/WITH
        the disclosed information is of a type mentioned in paragraph
        18N(1)(be)(iii)(B) AND
        the disclosed information is not of some other kind

RULE Privacy Act 1988 Section 18N(1)(be)(iii)(A) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(be)(iii)(A) ONLY IF
        the disclosed information is information of a kind referred to in
        paragraph 18E(1)(a)

RULE Privacy Act 1988 Section 18N(1)(be)(iii)(B) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(be)(iii)(B) ONLY IF
        the disclosed information is information as to whether the
        individual concerned has a line of credit with the credit provider,
        or funds deposited with the credit provider, sufficient to meet the
        payment concerned

RULE Privacy Act 1988 Section 18N(1)(bf) PROVIDES
    section 18N(1)(bf) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a person or body that is considering taking an assignment of, or
        discharging on the individual concerned's behalf, a debt owed by the
        individual concerned to the credit provider AND
        the disclosed information is of a type mentioned in paragraph
        18N(1)(bf)(ii)

RULE Privacy Act 1988 Section 18N(1)(bf)(ii) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(bf)(ii) ONLY IF
        the disclosed information is of a type mentioned in paragraph
        18N(1)(bf)(ii)(A) AND/OR/WITH
        the disclosed information is of a type mentioned in paragraph
        18N(1)(bf)(ii)(B) AND
        the disclosed information is not of some other kind

RULE Privacy Act 1988 Section 18N(1)(bf)(ii)(A) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(bf)(ii)(A) ONLY IF
        the disclosed information is information of a kind referred to in
        paragraph 18E(1)(a)

RULE Privacy Act 1988 Section 18N(1)(bf)(ii)(B) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(bf)(ii)(B) ONLY IF
        the disclosed information is information as to the amount of the
        debt, or the amount required to be paid in order to discharge the
        debt

RULE Privacy Act 1988 Section 18N(1)(bg) PROVIDES
    section 18N(1)(bg) applies ONLY IF
        the report or information is disclosed in connection with an
        application for mortgage credit by the individual concerned AND
        the credit provider proposes that the mortgage credit will be funded
        by means of an arrangement involving mortgage securitisation AND
        the recipient of the report or information from a credit provider is
        a person or body that carries on a business that is involved in the
        funding of mortgage credit by means of arrangements involving
        mortgage securitisation AND
        the disclosure was made for the purpose of enabling the recipient to
        perform a task that is necessary in the funding of the mortgage
        credit concerned by means of the mortgage securitisation arrangement
        AND
        the individual concerned has specifically agreed, in accordance with
        section 18N(1B), to the disclosure of the report or information to
        any such person or body for that purpose

RULE Privacy Act 1988 Section 18N(1)(c) PROVIDES
    section 18N(1)(c) applies ONLY IF
        the report or information disclosed is not a credit report AND
        the recipient of the report or information from a credit provider is
        a person or body carrying on a business or undertaking that involves
        the collection of debts on behalf of others AND
        the disclosure was made for the purpose of the collection of
        payments that are overdue in respect of credit provided to the
        individual concerned by the credit provider AND
        the disclosed information is of a type mentioned in paragraph
        18N(1)(c)(iii)

RULE Privacy Act 1988 Section 18N(1)(c)(iii) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(c)(iii) ONLY IF
        the disclosed information is of a type mentioned in paragraph
        18N(1)(c)(iii)(A) AND/OR/WITH
        the disclosed information is of a type mentioned in paragraph
        18N(1)(c)(iii)(B) AND
        the disclosed information is not of some other kind

RULE Privacy Act 1988 Section 18N(1)(c)(iii)(A) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(c)(iii)(A) ONLY IF
        the disclosed information is information of a kind referred to in
        paragraph 18E(1)(a)

RULE Privacy Act 1988 Section 18N(1)(c)(iii)(B) PROVIDES
    the disclosed information is of a type mentioned in paragraph
    18N(1)(c)(iii)(B) ONLY IF
        the disclosed information is information of a kind referred to in
        subparagraph 18E(1)(b)(vi) AND
        the disclosed information is not information that relates to an
        overdue payment in respect of which a note to the effect that the
        individual concerned is no longer overdue has been included in the
        credit information file from which the credit report was prepared

RULE Privacy Act 1988 Section 18N(1)(d) PROVIDES
    section 18N(1)(d) applies ONLY IF
        the credit provider is a corporation AND
        the recipient of the report or information from a credit provider is
        a corporation that is related to the credit provider

RULE Privacy Act 1988 Section 18N(1)(e) PROVIDES
    section 18N(1)(e) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a corporation AND/OR
        the recipient of the report or information from a credit provider is
        a professional legal adviser or a professional financial adviser of
        a corporation AND
        the recipient corporation or adviser proposes to use the disclosed
        information in the situation described in paragraph 18N(1)(e)(i) 
        AND/OR
        the recipient corporation or adviser proposes to use the disclosed
        information in the situation described in paragraph 18N(1)(e)(ii)

RULE Privacy Act 1988 Section 18N(1)(e)(i) PROVIDES
    the recipient corporation or adviser proposes to use the disclosed
    information in the situation described in paragraph 18N(1)(e)(i) ONLY IF
        the recipient corporation or adviser proposes to use the disclosed
        information in the process of considering whether to accept an
        assignment of a debt owed to the credit provider OR
        the recipient corporation or adviser proposes to use the disclosed
        information in the process of considering whether to accept a debt
        owed to the credit provider as security for a loan to the credit
        provider OR
        the recipient corporation or adviser proposes to use the disclosed
        information in the process of considering whether to purchase an
        interest in the credit provider OR
        the credit provider is a corporation AND
        the recipient corporation or adviser proposes to use the disclosed
        information in the process of considering whether to purchase an
        interest in a corporation that is related to the credit provider

RULE Privacy Act 1988 Section 18N(1)(e)(ii) PROVIDES
    the recipient corporation or adviser proposes to use the disclosed
    information in the situation described in paragraph 18N(1)(e)(ii) ONLY
    IF
        the recipient corporation or adviser proposes to use the disclosed
        information in connection with exercising rights arising from any
        acceptance of an assignment of a debt owed to the credit provider OR
        the recipient corporation or adviser proposes to use the disclosed
        information in connection with exercising rights arising from any
        acceptance of a debt owed to the credit provider as security for a
        loan to the credit provider OR
        the recipient corporation or adviser proposes to use the disclosed
        information in connection with exercising rights arising from any
        purchase of an interest in the credit provider OR
        the credit provider is a corporation AND
        the recipient corporation or adviser proposes to use the disclosed
        information in connection with exercising rights arising from any
        purchase of an interest in a corporation that is related to the
        credit provider

RULE Privacy Act 1988 Section 18N(1)(f) PROVIDES
    section 18N(1)(f) applies ONLY IF
        the recipient of the report or information from a credit provider is
        a person who manages loans made by the credit provider AND
        the report or information was disclosed for use in managing those
        loans

RULE Privacy Act 1988 Section 18N(1)(g) PROVIDES
    section 18N(1)(g) applies ONLY IF
        the disclosure of the disclosed information for the particular
        purpose is required or authorised under law

RULE Privacy Act 1988 Section 18N(1)(ga) PROVIDES
    section 18N(1)(ga) applies ONLY IF
        the recipient of the report or information from a credit provider is
        the individual concerned OR
        the recipient of the report or information from a credit provider is
        a person authorised, in writing, by the individual concerned to seek
        access to the report or information AND
        the recipient of the report or information from a credit provider is
        not a credit provider AND
        the recipient of the report or information from a credit provider is
        not a mortgage insurer AND
        the recipient of the report or information from a credit provider is
        not a trade insurer

RULE Privacy Act 1988 Section 18N(1)(h) PROVIDES
    section 18N(1)(h) applies ONLY IF
        the credit provider believes on reasonable grounds that the
        individual concerned has committed a serious credit infringement AND
        the recipient of the report or information from a credit provider is
        another credit provider AND/OR
        the recipient of the report or information from a credit provider is
        a law enforcement authority

RULE Privacy Act 1988 Section 18N(1A) PROVIDES
    the individual concerned has specifically agreed, in accordance with
    section 18N(1A), to the disclosure to the recipient credit provider for
    a particular purpose ONLY IF
        the individual concerned has specifically agreed, in writing, to the
        report being given to the recipient credit provider for a particular
        purpose OR
        the disclosure was sought for the purpose of assessing an
        application for credit or commercial credit that was at first
        instance made orally AND
        the application for credit or commercial credit has not been made in
        writing yet

RULE Privacy Act 1988 Section 18N(1B) PROVIDES
    the individual concerned has specifically agreed, in accordance with
    section 18N(1B), to the disclosure of the report or information to any
    such person or body for that purpose ONLY IF
        the individual concerned has specifically agreed, in writing, to the
        disclosure of the report or information to any such person or body
        for that purpose OR
        the disclosure was sought for the purpose of enabling a person or
        body to perform a task that is necessary in order to fund, by means
        of a mortgage securitisation arrangement, mortgage credit for which
        an application has initially been made orally AND
        the application for mortgage credit has not been made in writing yet

RULE Privacy Act 1988 Section 18N(2) PROVIDES
    the information provider is guilty of an offence under section 18N(2)
    punishable on conviction by a fine not exceeding $150000 ONLY IF
        the information provider has breached section 18N(1) AND
        the information provider breached section 18N(1) knowingly or
        recklessly

RULE Privacy Act 1988 Section 18N(3) PROVIDES
    the information provider has breached section 18N(3) ONLY IF
        the information provider is a credit provider AND
        the information provider is in possession of a credit report AND/OR
        the information provider is in possession of a report containing
        personal information derived from a credit report AND/OR
        the information provider has been in possession of a credit report 
        AND/OR
        the information provider has been in possession of a report
        containing personal information derived from a credit report AND/OR
        the information provider is in control of a credit report AND/OR
        the information provider is in control of a report containing
        personal information derived from a credit report AND/OR
        the information provider has been in control of a credit report 
        AND/OR
        the information provider has been in control of a report containing
        personal information derived from a credit report AND
        the credit provider has made a disclosure contrary to paragraph
        18N(3)(a) AND/OR
        the credit provider has made a disclosure contrary to paragraph
        18N(3)(b)

RULE Privacy Act 1988 Section 18N(3)(a) PROVIDES
    the credit provider has made a disclosure contrary to paragraph
    18N(3)(a) ONLY IF
        the credit provider has disclosed the report to another person AND
        the report contains information which is not information of a kind
        referred to in section 18E(1) AND
        the disclosed information is not of a kind which is exempted under
        section 18N(4) AND
        the credit provider has not deleted from the report the prohibited
        information

RULE Privacy Act 1988 Section 18N(3)(b) PROVIDES
    the credit provider has made a disclosure contrary to paragraph
    18N(3)(b) ONLY IF
        the credit provider has disclosed personal information derived from
        the report to another person AND
        the disclosed information is not information of a kind referred to
        in subsection 18E(1) AND
        the disclosed information is not of a kind which is exempted under
        section 18N(4)

RULE Privacy Act 1988 Section 18N(4) PROVIDES
    the disclosed information is of a kind which is exempted under section
    18N(4) ONLY IF
        the disclosed information is information the disclosure of which is
        taken not to be in contravention of section 18K(2) because of the
        application of section 18K(3)

RULE Privacy Act 1988 Section 18V(2) PROVIDES
    section 18E(8)(c) applies according to section 18V(2) ONLY IF
        the credit provider acquired the disclosed information on or after
        25 February 1992

RULE Privacy Act 1988 Section 18V(3) and section 18F(2) PROVIDES
    section 18V(3) applies to <> ONLY IF
        the individual concerned's credit information file contained <>
        immediately before 25 February 1992

DAEMON Heuristic - credit provider and another credit provider -
s.18N(1)(b)&(h) PROVIDES
    IF the recipient of the report or information from a credit provider is
    another credit provider THEN
        the recipient of the report or information from a credit provider is
        a credit provider

DAEMON Heuristic - credit provider, s.18L(1) and s.18K(1) PROVIDES
    IF the information user is a credit provider AND
    the credit provider has used the credit report or personal information
    derived from the credit report THEN
        the recipient of personal information from a credit reporting agency
        is a credit provider
    ASSERT the information is contained in a credit report

DAEMON Heuristic - credit provider, s.18L(1) and s.18K(1) (Name) PROVIDES
    IF the information user is a credit provider AND
    the credit provider has used the credit report or personal information
    derived from the credit report THEN
        the name of the recipient of personal information from a credit
        reporting agency IS
            the name of the information user

DAEMON Heuristic - credit provider, s.18L(1) and s.18K(1) (Natural Person)
PROVIDES
    IF the information user is a credit provider AND
    the credit provider has used the credit report or personal information
    derived from the credit report THEN
        the recipient of personal information from a credit reporting agency
        is a natural person ONLY IF
            the information user is a natural person

DAEMON Heuristic - credit provider, s.18L(1) and s.18K(1) (Sex) PROVIDES
    IF the information user is a credit provider AND
    the credit provider has used the credit report or personal information
    derived from the credit report THEN
        the sex of the recipient of personal information from a credit
        reporting agency IS
            the sex of the information user

RULE Heuristic - Privacy Act 1988 Section 18E(7) - open credit files
PROVIDES
    IF the credit reporting agency has included information in a credit
    information file AND
    the credit information file contains personal information relating to
    the individual concerned THEN
        the credit reporting agency has opened a credit information file in
        relation to the individual concerned

DAEMON Heuristic - credit reporting agency and s.18E (Name) PROVIDES
    IF the information recorder is a credit reporting agency THEN
        the name of the credit reporting agency IS
            the name of the information recorder

DAEMON Heuristic - credit reporting agency and s.18E (Natural Person)
PROVIDES
    IF the information recorder is a credit reporting agency THEN
        the credit reporting agency is a natural person ONLY IF
            the information recorder is a natural person

DAEMON Heuristic - credit reporting agency and s.18E (Sex) PROVIDES
    IF the information recorder is a credit reporting agency AND
    the information recorder is a natural person THEN
        the sex of the credit reporting agency IS
            the sex of the information recorder

DAEMON Heuristic - credit provider and s.18L(1) (Name) PROVIDES
    IF the information user is a credit provider THEN
        the name of the credit provider IS
            the name of the information user

DAEMON Heuristic - credit provider and s.18L(1) (Natural Person) PROVIDES
    IF the information user is a credit provider THEN
        the credit provider is a natural person ONLY IF
            the information user is a natural person

DAEMON Heuristic - credit provider and s.18L(1) (Sex) PROVIDES
    IF the information user is a credit provider AND
    the information user is a natural person THEN
        the sex of the credit provider IS
            the sex of the information user

DAEMON Heuristic - credit provider and s.18N(1) (Name) PROVIDES
    IF the information provider is a credit provider THEN
        the name of the credit provider IS
            the name of the information provider

DAEMON Heuristic - credit provider and s.18N(1) (Natural Person) PROVIDES
    IF the information provider is a credit provider THEN
        the credit provider is a natural person ONLY IF
            the information provider is a natural person

DAEMON Heuristic - credit provider and s.18N(1) (Sex) PROVIDES
    IF the information provider is a credit provider AND
    the information provider is a natural person THEN
        the sex of the credit provider IS
            the sex of the information provider

DAEMON Heuristic - credit reporting agency and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit reporting agency THEN
        the name of the credit reporting agency IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - credit reporting agency and s.18N(1) (Natural Person)
PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit reporting agency THEN
        the credit reporting agency is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - credit reporting agency and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit reporting agency AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the credit reporting agency IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - recipient credit provider and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit provider THEN
        the name of the recipient credit provider IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - recipient credit provider and s.18N(1) (Natural Person)
PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit provider THEN
        the recipient credit provider is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - recipient credit provider and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a credit provider AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the recipient credit provider IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - loan guarantor and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    the guarantor of a loan provided by the credit provider to the
    individual concerned THEN
        the name of the loan guarantor IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - loan guarantor and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    the guarantor of a loan provided by the credit provider to the
    individual concerned THEN
        the loan guarantor is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - loan guarantor and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    the guarantor of a loan provided by the credit provider to the
    individual concerned AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the loan guarantor IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - mortgage insurer and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a mortgage insurer THEN
        the name of the mortgage insurer IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - mortgage insurer and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a mortgage insurer THEN
        the mortgage insurer is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - mortgage insurer and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a mortgage insurer AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the mortgage insurer IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - dispute resolver and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body generally recognised as being a person appointed, or
    body established, for the purpose of settling disputes between credit
    providers and their customers THEN
        the name of the dispute resolver IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - dispute resolver and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body generally recognised as being a person appointed, or
    body established, for the purpose of settling disputes between credit
    providers and their customers THEN
        the dispute resolver is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - dispute resolver and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body generally recognised as being a person appointed, or
    body established, for the purpose of settling disputes between credit
    providers and their customers AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the dispute resolver IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - assisting authority and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    an authority of a State or Territory whose functions include giving
    assistance (directly or indirectly) that facilitates the giving of
    mortgage credit to individuals THEN
        the name of the assisting authority IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - assisting authority and s.18N(1) (Natural Person)
PROVIDES
    IF the recipient of the report or information from a credit provider is
    an authority of a State or Territory whose functions include giving
    assistance (directly or indirectly) that facilitates the giving of
    mortgage credit to individuals THEN
        the assisting authority is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - assisting authority and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    an authority of a State or Territory whose functions include giving
    assistance (directly or indirectly) that facilitates the giving of
    mortgage credit to individuals AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the assisting authority IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - merchant and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business of supplying goods or services 
    THEN
        the name of the merchant IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - merchant and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business of supplying goods or services 
    THEN
        the merchant is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - merchant and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business of supplying goods or services 
    AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the merchant IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - potential creditor and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body that is considering taking an assignment of, or
    discharging on the individual concerned's behalf, a debt owed by the
    individual concerned to the credit provider THEN
        the name of the potential creditor IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - potential creditor and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body that is considering taking an assignment of, or
    discharging on the individual concerned's behalf, a debt owed by the
    individual concerned to the credit provider THEN
        the potential creditor is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - potential creditor and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body that is considering taking an assignment of, or
    discharging on the individual concerned's behalf, a debt owed by the
    individual concerned to the credit provider AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the potential creditor IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - debt collector and s.18N(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business or undertaking that involves the
    collection of debts on behalf of others THEN
        the name of the debt collector IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - debt collector and s.18N(1) (Natural Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business or undertaking that involves the
    collection of debts on behalf of others THEN
        the debt collector is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - debt collector and s.18N(1) (Sex) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a person or body carrying on a business or undertaking that involves the
    collection of debts on behalf of others AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the debt collector IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - recipient corporation or adviser and s.18N(1) (Name)
PROVIDES
    IF the recipient of the report or information from a credit provider is
    a corporation OR
    the recipient of the report or information from a credit provider is a
    professional legal adviser or a professional financial adviser of a
    corporation THEN
        the name of the recipient corporation or adviser IS
            the name of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - recipient corporation or adviser and s.18N(1) (Natural
Person) PROVIDES
    IF the recipient of the report or information from a credit provider is
    a corporation OR
    the recipient of the report or information from a credit provider is a
    professional legal adviser or a professional financial adviser of a
    corporation THEN
        the recipient corporation or adviser is a natural person ONLY IF
            the recipient of the report or information from a credit
            provider is a natural person

DAEMON Heuristic - recipient corporation or adviser and s.18N(1) (Sex)
PROVIDES
    IF the recipient of the report or information from a credit provider is
    a corporation AND/OR
    the recipient of the report or information from a credit provider is a
    professional legal adviser or a professional financial adviser of a
    corporation AND
    the recipient of the report or information from a credit provider is a
    natural person THEN
        the sex of the recipient corporation or adviser IS
            the sex of the recipient of the report or information from a
            credit provider

DAEMON Heuristic - credit reporting agency and s.18K(1) (Name) PROVIDES
    IF the information provider is a credit reporting agency THEN
        the name of the credit reporting agency IS
            the name of the information provider

DAEMON Heuristic - credit reporting agency and s.18K(1) (Natural Person)
PROVIDES
    IF the information provider is a credit reporting agency THEN
        the credit reporting agency is a natural person ONLY IF
            the information provider is a natural person

DAEMON Heuristic - credit reporting agency and s.18K(1) (Sex) PROVIDES
    IF the information provider is a credit reporting agency AND
    the information provider is a natural person THEN
        the sex of the credit reporting agency IS
            the sex of the information provider

DAEMON Heuristic - trade insurer and s.18K(1) (Name) PROVIDES
    IF the recipient of the report or information from a credit reporting
    agency is a trade insurer THEN
        the name of the trade insurer IS
            the name of the recipient of personal information from a credit
            reporting agency

DAEMON Heuristic - trade insurer and s.18K(1) (Natural Person) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a trade insurer THEN
        the trade insurer is a natural person ONLY IF
            the recipient of personal information from a credit reporting
            agency is a natural person

DAEMON Heuristic - trade insurer and s.18K(1) (Sex) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a trade insurer AND
    the recipient of personal information from a credit reporting agency is
    a natural person THEN
        the sex of the trade insurer IS
            the sex of the recipient of personal information from a credit
            reporting agency

DAEMON Heuristic - mortgage insurer and s.18K(1) (Name) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a mortgage insurer THEN
        the name of the mortgage insurer IS
            the name of the recipient of personal information from a credit
            reporting agency

DAEMON Heuristic - mortgage insurer and s.18K(1) (Natural Person) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a mortgage insurer THEN
        the mortgage insurer is a natural person ONLY IF
            the recipient of personal information from a credit reporting
            agency is a natural person

DAEMON Heuristic - mortgage insurer and s.18K(1) (Sex) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a mortgage insurer AND
    the recipient of personal information from a credit reporting agency is
    a natural person THEN
        the sex of the mortgage insurer IS
            the sex of the recipient of personal information from a credit
            reporting agency

DAEMON Heuristic - credit provider and s.18K(1) (Name) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a credit provider THEN
        the name of the credit provider IS
            the name of the recipient of personal information from a credit
            reporting agency

DAEMON Heuristic - credit provider and s.18K(1) (Natural Person) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a credit provider THEN
        the credit provider is a natural person ONLY IF
            the recipient of personal information from a credit reporting
            agency is a natural person

DAEMON Heuristic - credit provider and s.18K(1) (Sex) PROVIDES
    IF the recipient of personal information from a credit reporting agency
    is a credit provider AND
    the recipient of personal information from a credit reporting agency is
    a natural person THEN
        the sex of the credit provider IS
            the sex of the recipient of personal information from a credit
            reporting agency

RULE Heuristic - Commencement of section 18K - 18K(1)(h) PROVIDES
    the credit provider provided the commercial credit concerned before the
    commencement of section 18K ONLY IF
        the date of provision of the commercial credit concerned IS LESS
        THAN 25th February, 1992

RULE Heuristic - Commencement of section 18K - 18K(3) PROVIDES
    the credit reporting agency included the prohibited information in the
    individual concerned's credit information file before the commencement
    of section 18K ONLY IF
        the date of inclusion of the prohibited information IS LESS THAN 
        25th February, 1992

RULE Heuristic - section 18K(3) determination - date of disclosure PROVIDES
    the disclosed information was included in the credit information file
    before 24 September 1991 ONLY IF
        the date of inclusion of the prohibited information IS LESS THAN 
        24th September, 1991

RULE Heuristic - section 18K(3) determination - date of use PROVIDES
    the used information was included in the credit information file before
    24 September 1991 ONLY IF
        the date of inclusion of the prohibited information IS LESS THAN 
        24th September, 1991

RULE Heuristic - name of CRAA PROVIDES
    IF the name of the credit reporting agency EQUALS "CRAA" OR
    the name of the credit reporting agency EQUALS "Credit Reference
    Association of Australia" THEN
        the credit reporting agency is the Credit Reference Association of
        Australia

RULE Heuristic - name of TCS PROVIDES
    IF the name of the credit reporting agency EQUALS "TCS" OR
    the name of the credit reporting agency EQUALS "Tasmanian Collection
    Service" THEN
        the credit reporting agency is the Tasmanian Collection Service

RULE Heuristic - CRAA/TCS exlusivity PROVIDES
    IF the credit reporting agency is the Credit Reference Association of
    Australia THEN
        the credit reporting agency is not the Tasmanian Collection Service

DAEMON Heuristic - natural persons, corporations and body corporates
PROVIDES
    IF <> is a natural person THEN BEGIN
        <> is not a corporation
        ASSERT <> is not a body corporate
    END


RULE Heuristic - regulations made under section 11B(2) PROVIDES
    regulations have not been made under section 11B(2)

RULE Heuristic - regulations made under section 6(5C) PROVIDES
    regulations have not been made for the purposes of section 6(5C)

RULE Heuristic - section 18K(2) link with section 18E PROVIDES
    the individual concerned's credit information file contains personal
    information that the credit reporting agency would be prohibited from
    including in a credit information file under section 18E ONLY IF
        the credit reporting agency has breached section 18E(1) OR
        the credit reporting agency has breached section 18E(2)

DAEMON Heuristic - credit reporting agency, information recorder and s18K(2)
(Name) PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned AND/OR
    the disclosed information is contained in a record containing
    information derived from the individual concerned's credit information
    file THEN
        the name of the information recorder IS
            the name of the credit reporting agency

DAEMON Heuristic - credit reporting agency, information recorder and s18K(2)
(Natural Person) PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned AND/OR
    the disclosed information is contained in a record containing
    information derived from the individual concerned's credit information
    file THEN
        the information recorder is a natural person ONLY IF
            the credit reporting agency is a natural person

DAEMON Heuristic - credit reporting agency, information recorder and s18K(2)
(Sex) PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned AND/OR
    the disclosed information is contained in a record containing
    information derived from the individual concerned's credit information
    file AND
    the credit reporting agency is a natural person THEN
        the sex of the information recorder IS
            the sex of the credit reporting agency

DAEMON Heuristic - information provider, credit reporting agency, s18K(2)
and s18E PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned AND/OR
    the disclosed information is contained in a record containing
    information derived from the individual concerned's credit information
    file THEN
        the credit reporting agency is a credit reporting agency

DAEMON Heuristic - recorded information, s18K(2) and s18E PROVIDES
    IF the information provider is a credit reporting agency AND
    the credit reporting agency is in possession of a credit information
    file relating to the individual concerned AND/OR
    the credit reporting agency is in control of a credit information file
    relating to the individual concerned AND
    the credit reporting agency has disclosed personal information about the
    individual concerned to a person, body or agency (other than the
    individual concerned) AND
    the disclosed information is contained in a credit information file
    relating to the individual concerned AND/OR
    the disclosed information is contained in a record containing
    information derived from the individual concerned's credit information
    file THEN
        the name of the recorded information IS
            "the credit information file"

RULE Heuristic - expired information and s18F(2)(a) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(a) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(a) THEN
        the name of the expired information IS
            "the record that a credit report has been sought"

RULE Heuristic - expired information and s18F(2)(b) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(b) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(b) THEN
        the name of the expired information IS
            "the current credit provider information"

RULE Heuristic - expired information and s18F(2)(c) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(c) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(c) THEN
        the name of the expired information IS
            "the 60 day overdue payment information"

RULE Heuristic - expired information and s18F(2)(d) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(d) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(d) THEN
        the name of the expired information IS
            "the dishonoured cheque information"

RULE Heuristic - expired information and s18F(2)(e) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(e) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(e) THEN
        the name of the expired information IS
            "the court judgment information"

RULE Heuristic - expired information and s18F(2)(f) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(f) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(f) THEN
        the name of the expired information IS
            "the bankruptcy information"

RULE Heuristic - expired information and s18F(2)(g) PROVIDES
    IF the credit information file contains information of a type described
    in section 18F(2)(g) AND
    the credit reporting agency has kept the information for a period which
    is longer than 1 month after the end of the maximum permissible period
    specified in section 18F(2)(g) THEN
        the name of the expired information IS
            "the serious credit infringement information"

GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(a) - Commercial
credit reports PROVIDES
    PARAGRAPH Agreement that may seek commercial credit information (Section
    18L(4) Privacy Act 1988).
    IF there are not two or more credit applicants THEN
        PARAGRAPH If considers it relevant to assess my application for
        personal credit, I agree to obtaining a report about my commercial
        activities or commercial credit worthiness from a business which
        provides information about the commercial credit worthiness of
        persons.
    ELSE
        PARAGRAPH If considers it relevant to assess our application for
        personal credit, we agree to obtaining a report about our commercial
        activities or commercial credit worthiness from a business which
        provides information about the commercial credit worthiness of
        persons.


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(b) - Commercial
credit assessment PROVIDES
    PARAGRAPH Agreement that may seek consumer credit information (Section
    18K(1)(b) Privacy Act 1988).
    IF there are not two or more commercial credit applicants THEN
        PARAGRAPH If considers it relevant to assess my application for
        commercial credit, I agree to obtaining from a credit reporting
        agency a credit report containing personal credit information about
        me in relation to commercial credit provided by .
    ELSE
        PARAGRAPH If considers it relevant to assess our application for
        commercial credit, we agree to obtaining from a credit reporting
        agency a credit report containing personal credit information about
        us in relation to commercial credit provided by .


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(c) - Guarantor's
agreement PROVIDES
    PARAGRAPH Guarantor's agreement under section 18K(1)(c) Privacy Act
    1988.
    IF there are not two or more loan guarantors THEN BEGIN
        NUMBERED PARAGRAPH I agree that may seek from a credit reporting
        agency, a credit report containing personal information about me to
        assess whether to accept me as a guarantor for credit applied for,
        or provided to, .
        NUMBERED PARAGRAPH I agree that if approves 's application for
        credit this agreement remains in force until the covered by 's
        application ceases.
    END ELSE
        BEGIN
            NUMBERED PARAGRAPH We agree that may seek from a credit
            reporting agency, a credit report containing personal
            information about us to assess whether to accept us as
            guarantors for credit applied for, or provided to, .
            NUMBERED PARAGRAPH We agree that if approves 's application for
            credit this agreement remains in force until the covered by 's
            application ceases.
        END


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(d) - Overdue
commercial payments PROVIDES
    IF there are not two or more commercial credit recipients THEN BEGIN
        PARAGRAPH Agreement that may use a credit report about me for
        collecting overdue payments (Section 18K(1)(h) Privacy Act 1988).
        PARAGRAPH If considers it relevant to collecting overdue payments in
        respect of commercial credit provided to me, I agree to receiving
        from a credit reporting agency a credit report containing personal
        information about me in relation to collecting overdue payments.
    END ELSE
        BEGIN
            PARAGRAPH Agreement that may use a credit report about any one
            of us for collecting overdue payments (Section 18K(1)(h) Privacy
            Act 1988).
            PARAGRAPH If considers it relevant to collecting overdue
            payments in respect of commercial credit provided to us, we
            agree to receiving from a credit reporting agency a credit
            report containing personal information about us in relation to
            collecting overdue payments.
        END


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(e) - Banker's
opinions etc. PROVIDES
    IF there are not two or more credit applicants THEN BEGIN
        PARAGRAPH Agreement to seeking from or giving to other credit
        providers details about my credit worthiness (Section 18N(1)(b)
        Privacy Act 1988).
        NUMBERED PARAGRAPH I agree that may give to and seek from any credit
        providers named in this credit application and any credit providers
        that may be named in a credit report issued by a credit reporting
        agency information about my credit arrangements. I understand that
        this information can include any information about my credit
        worthiness, credit standing, credit history or credit capacity that
        credit providers are allowed to give or receive from each other
        under the Privacy Act.
        NUMBERED PARAGRAPH I understand the information may be used for the
        following purposes:
        NUMBERED LEVEL 4 PARAGRAPH to assess an application by me for
        credit;
        NUMBERED LEVEL 4 PARAGRAPH to notify other credit providers of a
        default by me;
        NUMBERED LEVEL 4 PARAGRAPH to exchange information with other credit
        providers as to the status of this loan where I am in default with
        other credit providers; and
        NUMBERED LEVEL 4 PARAGRAPH to assess my credit worthiness.
    END ELSE
        BEGIN
            PARAGRAPH Agreement to seeking from or giving to other credit
            providers details about our credit worthiness (Section 18N(1)(b)
            Privacy Act 1988).
            NUMBERED PARAGRAPH We agree that may give to and seek from any
            credit providers named in this credit application and any credit
            providers that may be named in a credit report issued by a
            credit reporting agency information about my credit
            arrangements. I understand that this information can include any
            information about our credit worthiness, credit standing, credit
            history or credit capacity that credit providers are allowed to
            give or receive from each other under the Privacy Act.
            NUMBERED PARAGRAPH We understand the information may be used for
            the following purposes:
            NUMBERED LEVEL 4 PARAGRAPH to assess an application by us for
            credit;
            NUMBERED LEVEL 4 PARAGRAPH to notify other credit providers of a
            default by us;
            NUMBERED LEVEL 4 PARAGRAPH to exchange information with other
            credit providers as to the status of this loan where we are in
            default with other credit providers; and
            NUMBERED LEVEL 4 PARAGRAPH to assess our credit worthiness.
        END


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(f) - Mortgage
securitisation PROVIDES
    PARAGRAPH Agreement to disclosing information to parties involved in
    mortgage securitisation arrangements (Section 18N(1)(bg) Privacy Act
    1988).
    IF there are not two or more mortgage credit applicants THEN
        PARAGRAPH I agree that may disclose information about my personal
        credit worthiness to persons involved in funding mortgage credit for
        the purposes of enabling those persons so involved to perform tasks
        necessary in the funding of mortgage credit.
    ELSE
        PARAGRAPH We agree that may disclose information about our personal
        credit worthiness to persons involved in funding mortgage credit for
        the purposes of enabling those persons so involved to perform tasks
        necessary in the funding of mortgage credit.


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 36(g) - Trade
insurer's inquiries PROVIDES
    PARAGRAPH Agreement to seeking a credit report from a credit reporting
    agency (Section 18K(1)(e) Privacy Act 1988).
    IF there are not two or more commercial credit applicants THEN
        PARAGRAPH I agree that may obtain my credit report from a credit
        reporting agency to assess the provision of insurance to in relation
        to my application for commercial credit with .
    ELSE
        PARAGRAPH We agree that may obtain our credit reports from a credit
        reporting agency to assess the provision of insurance to in relation
        to our application for commercial credit with .


GOAL DOCUMENT Document: Code of Conduct Notes - Para. 42 - credit rejection
letter PROVIDES
    PARAGRAPH Dear
    PARAGRAPH I am writing to inform you that your application for credit,
    being credit in the form of a for the amount of made on , has not been
    approved.
    PARAGRAPH Our decision not to approve your application was based wholly
    or partly on information obtained from .
    PARAGRAPH Under the Privacy Act 1988, you have the right to obtain
    access to your credit information file held by a credit reporting
    agency. The most convenient way for you to obtain access to your credit
    information file is to contact at .
    PARAGRAPH When writing to the credit reporting agency you should print
    your name and address in full, and provide other identifying particulars
    as required by the credit reporting agency.
    PARAGRAPH Yours faithfully,

/* Links */
LINK agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#agency
LINK bank TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#bank
LINK building society TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#building_society
LINK corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#corporation
LINK credit provider TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_provider
LINK credit reporting agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_reporting_agency
LINK credit reporting business TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_reporting_business
LINK credit union TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_union
LINK current credit provider TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#current_credit_provider
LINK financial corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#financial_corporation
LINK intelligence agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#intelligence_agency
LINK mortgage insurer TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#mortgage_insurer
LINK personal information TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#personal_information
LINK record TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#record
LINK trade insurer TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#trade_insurer
LINK trading corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#trading_corporation
LINK act or practice TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s7.html
LINK collector TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s9.html
LINK record keeper TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s10.html


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