Privacy Consultations

Run consultations using the Privacy Knowledgebase, v1 (1991- 94)

Andrew Mowbray wrote the ysh inference engine (1991-94).
Geoffrey King wrote the wysh web interface to ysh (1996) (further details on the wysh pages).
Patrick Gunning and Graham Greenleaf wrote the Privacy Knowledgebase, v1 (1991-94).
AustLII's research on legal inferencing via the web is funded by the Australian Research Council.

Privacy Knowledgebase, v1 (1991- 94)

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
maintain~~s~ed~ing
ma~ke~kes~de~king
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
satisf~y~ies~ied~ying
s~eek~eeks~ought~eeking
t~ake~akes~ook~aking
us~e~es~ed~ing
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
PERSONTHING the other access seeker
DATE the date of application for credit
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 most recent date on which the record of a credit report being 
sought 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 overdue payment information 
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 court judgment information was 
still included
DATE the most recent date on which the bankruptcy information was still 
included
DATE the most recent date on which the serious credit infringement 
information was still included
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 cheque was dishonoured for the second time
DATE the date on which the court judgment was made 
DATE the date on which the bankruptcy order was made 
DATE the date on which the information was included in the credit 
information file
PERSONTHING the debt collector
THING the disclosed information
THING the expired information
PERSONTHING the dispute resolver
PERSON the individual concerned
PERSONTHING the information provider
PERSONTHING the information recorder
PERSONTHING the information user
PERSONTHING the loan guarantor
PERSONTHING the merchant
PERSONTHING the mortgage insurer
STRING the name of the disclosed information
	PROMPT what is a short description of the information disclosed
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 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 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 loan 
guarantor
SEX the sex of the merchant
SEX the sex of the mortgage 
insurer
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
DATE the date of collection of the information 
concerned DATE the date of commencement of the Act
PERSONTHING the information-handler
THING the information concerned
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
THING the act or practice
STRING the name of the act or practice
	PROMPT what is a brief description of the act or practice of  THING the record
STRING the name of the record
PERSONTHING the information-recipient
STRING the name of the information-recipient
	PROMPT what is the name of the person or organisation which received  from 

LINK agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#agency

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

LINK bank TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#bank

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

LINK building society TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#building_society

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

LINK corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#corporation

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
		
LINK credit provider TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_provider
		
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
		
LINK credit reporting agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_reporting_agency
		
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
		
LINK credit reporting business TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_reporting_business
		
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

LINK credit union TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#credit_union

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

LINK current credit provider TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#current_credit_provider

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

LINK financial corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#financial_corporation

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

LINK intelligence agency TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#intelligence_agency

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

LINK mortgage insurer TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#mortgage_insurer

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
		
LINK personal information TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#personal_information
		
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

LINK record TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#record

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

LINK trade insurer TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#trade_insurer

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
		
LINK trading corporation TO http://www.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s6.html#trading_corporation
		
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)

LINK act or practice TO http://www2.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s7.html

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

LINK collector TO http://www2.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s9.html

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
				
LINK record keeper TO http://www2.austlii.edu.au/au/legis/cth/consol_act/pa1988108/s10.html
				
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
ASSERT 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 1.1.89
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
		/* reference to 18E(3) is not literally in Act */
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 does not have reasonable grounds for 
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 did not inform the individual 
concerned at the 
time of, or before, acquiring the disclosed information that the 
disclosed information might be disclosed to a credit reporting 
agency AND
			section 18E(8)(c) applies according to section 18V(2)
			/* reference to 18V(2) is not explicitly contained in 18E(8)(c) 
*/
GOAL RULE Privacy Act 1988 Section 18F - Deletion of information from files 
PROVIDES DETERMINE 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 the credit provider has breached section 
18F(3) DETERMINE 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 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 
			25 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
			10 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
			25 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
				25 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
			25 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
			25 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
				25 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 did not inform the credit 
reporting agency, as soon as practicably, that the individual 
concerned has 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 did not inform the credit reporting agency, as 
soon as practicably, that the individual concerned contends 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 did not inform the credit 
reporting agency, as soon as practicably, that the individual 
concerned contends 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 did not notify the credit reporting 
agency, as soon as practicably, that the credit provider has 
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 the information recorder has breached section 18J(1)
DETERMINE 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 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 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 the information provider has breached section 18K(1)
DETERMINE the information provider has breached section 18K(2) 
DETERMINE 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 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)
		/* reference to 18K(6) is not contained in 18K(1)(a) */
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
/* reference to 18K(1A) is not contained in 18K(1)(b) */
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
		/* reference to section 18K(3) is not actually in 18K(2) */
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)
/* reason for use of <> is to cope with calls regarding the information 
disclosed from sections 18K and 18N, and calls regarding the 
information used from section 18L */
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 does not occur later than
five years from the date on which the information was 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 does not occur later 
than five years from the date on which the information was 
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 25 February 1992 AND
		the date of disclosure of the prohibited information 
		IS LESS THAN 24 September 1996
RULE Privacy Act 1988 Section 18K(3) - Commissioner's Determinations - clause 2 PROVIDES
	the disclosure 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 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 25 February 1992 AND
		the date of use of the prohibited information 
		IS LESS THAN 24 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
/* The reference to 'commercial activities' is VERY difficult 
to deal with.  Section 18E doesn't easily split up 
information into
a commercial/consumer dichotomy.  Some broad categories 
in 18E like court judgments could easily relate to either.
			For this reason no linking to s18E has been implemented. */
/* No RULEs for section 18K(9) and (10) yet */
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 
cred