We obtain data compliantly from a variety of sources to develop positive consumer outcomes for consumers and citizens. Our sources include data partners we trust and many of whom we have worked with for many years, government sources, publicly available data and market research data.
To provide the marketing services our clients use to communicate with you more effectively and to provide you with products and services that are relevant, we obtain and derive several types of data.
While much of the data we obtain does not relate to individuals but rather to households, properties or geographic areas, the data we receive and process may include your personal data.
Personal Data means any piece of information that can be used to identify you.
In a world where our lives are increasingly lived ‘online’, we are all creating personal data in the form of identifiers - when you’re exercising, listening to music online, messaging friends or doing anything that involves a smartphone or connected device. Your fridge, car or washing machine can now be hooked up to the internet - all of these will be generating personal data.
Examples of personal data that we obtain include:
We do not collect personal data directly from you to facilitate marketing communications.
The personal data we hold is sourced from trusted data partners who have direct contact with you already, and where appropriate notice has been given for them to pass your information to Experian for use in our products and services - these partners include lifestyle surveys, publishers, competition and money saving / offer websites. We also use information from publicly available sources for marketing purposes.
We do not knowingly obtain or process any sensitive personal data. By sensitive personal we mean data relating to: racial or ethnic origin; political opinions; religious or philosophical beliefs; trade union membership; data concerning health or sex life and sexual orientation; genetic data; and biometric data where processed to uniquely identify a person.
We do not knowingly obtain or process data relating to children. While we insist that the personal data we receive from our data partners should only relate to individuals aged 18+, we take steps through our internal verification processes to check that any personal data we handle related only to AU adults aged 18+.
This is data that can't identify you, either because it's only available for households, properties or geographic areas or because it is individual level data where any personal data that can identify you has been removed. This means it has been anonymised.
Lots of organisations use statistical techniques ('analytics') to identify patterns in behaviour across their customer base. If, for example, a retailer uses data which contains a customer’s name and address along with transaction history to create insight into trends and behaviours across the whole customer base, it is not necessary to know who the individual is, so the name and address can be removed leaving anonymised data to be used in the analytics process.
Examples of aggregated or anonymised data that we obtain include:
Data of this type is sourced from government sources such as: AU Census data from the Office of National Statistics, publicly available records, self-reported consumer survey information, aggregated consumer panel and market research surveys, and websites that have your permission to share information about visitors, public records and historical retail purchases with us.
Experian's marketing database contains actual names and addresses of AU consumers together with a range of modelled data to describe their likely characteristics. Using statistical techniques, Experian uses anonymised data sources to build models to indicate the likelihood an individual, household or geographic area exhibits certain characteristics and behaviours. For example, the likelihood of there being children present in the household, or the likelihood an area has lots of people who might visit a new retail fashion outlet.
A model can’t provide certainty but it can provide insight around what offers or services are likely to be most relevant to a particular group.
Our models are created from aggregated and / or anonymised data from government data sources, publicly available records, self-reported consumer survey information, aggregated consumer panel and market research surveys, and websites that have permission to share information about visitors, public records and historical retail purchases.
Examples of the modelled data that we build includes: