Privacy Policy – Credit Repair Australia Pty Ltd
This Privacy Policy was last updated on 12 May 2025
1 Our commitment to privacy
2 How do we interact with you via our Website?
3 What information do we collect about you?
4 Collection of sensitive information
5 How and why do we collect and use your personal information?
6 Can you deal with us anonymously?
7 How do we hold information?
8 Do we use or disclose your personal information for direct marketing?
9 How do we use and disclose personal information?
10 Do we disclose your personal information overseas?
11 How can you access or seek correction of your personal information?
12 What should you do if you have a complaint about the handling of your personal information?
13 How changes are made to this Privacy Policy
14 How can you contact us?
1 Our commitment to privacy
(1) Credit Repair Australia Pty Ltd (ACN 103 959 502) (referred to as “we”, “us”, or “our”) values and respects the privacy of the individuals we deal with and are committed to managing personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) (Privacy Act) and in accordance with other applicable privacy laws.
(2) This document sets out our policies for collecting, holding, using and disclosing your personal information and how we maintain the quality and security of your personal information, referred to as our, or this, Privacy Policy.
(3) In this Privacy Policy, “you” or “your” refers to any individual or entity about whom we collect personal information including but not limited to clients, prospective clients or Website users.
(4) We offer a range of credit services, including providing and assessing credit reports, credit restoration and debt solutions (Services).
(5) We also provide individuals with access to the following website https://creditrepair.com.au/ relating to our business and Services (Website).
(6) Please read this Privacy Policy carefully, as by using our Services and/or Website and providing personal information to us, you:
(a) are confirming that you have read this Privacy Policy;
(b) understand how your personal information will be handled by us; and
(c) consent to us handling your personal information in accordance with this Privacy Policy.
2 How do we interact with you via our Website?
(1) You may visit our Website without identifying yourself.
(2) If you identify yourself, any personal information you provide to us will be managed in accordance with this Privacy Policy.
(3) Our Website may use cookies from time to time. A “cookie” is a small file stored on your computer’s browser, which assists in managing customised settings of our Website and delivering content. We collect certain information about your access and use of our Website, such as your device and network information, browser type and session, geo-location, IP address, pages you have accessed on our Website and on third-party websites. You are not identifiable from such information, however if you choose to provide our Website with personal information, that information could be linked to the data stored in the cookie.
(4) You can use the settings in your browser to control how your browser deals with cookies. However, in doing so, you may be unable to access certain pages or content on our Website.
(5) We may also use web beacons on our Website from time to time. These web beacons monitor your behaviour and collects data about your viewing on a web page.
(6) Our Website may contain links to third-party websites that we have no control over. We are not responsible for the content or privacy practices of websites that are linked to our Website.
3 What information do we collect about you?
(1) We collect the types of personal information required to assist us in providing our Services, providing our Website and fulfilling our functions and activities and informing you about them.
(2) When you enquire about our Services or when you become a client of ours, a record is made which includes your personal information.
(3) The types of personal information that we collect will vary depending on the circumstances of collection, the nature of your dealings with us and the Services that you request from us, but will typically include:
(a) details such as your name, date of birth, phone number, email address, residential or mailing address and postcode;
(b) consumer and commercial credit information such as your income, financial commitments and household budget;
(c) financial information such as your credit/debit card details and bank account details;
(d) your Website activity such as your top level domain name, pages accessed, documents downloaded, browser you used and any information entered by you into the Website;
(e) records and content of any communications with us or any other persons;
(f) your preference and/or opinions; and
(g) any other personal information you provide to us (both directly or indirectly), or authorise us to collect, as part of your interaction with us.
(4) You can always decline to give us any personal information we request, but that may mean that:
(a) we cannot interact with you;
(b) we cannot provide you with some or all of our Services; and/or
(c) it may affect your use of our Website and the offerings we make through our Website.
4 Collection of sensitive information
(1) We do not collect information from you which is considered to be sensitive in nature (which may include information or opinions about your racial or ethnic origin, political opinions, political association, religious or psychological beliefs, membership of a trade union or other professional body, health status, sexual preferences or criminal record) unless:
(a) you have consented to the collection of such information by us which is reasonably required for the purposes of offering and delivering the Services to you; or
(b) the collection of such information is required or permitted by law.
(2) In circumstances where we do collect sensitive information, we only collect, hold, use and disclose such information for any purposes that you consent to, the primary purpose for which it is collected and secondary purposes that are directly related to the primary purpose for which it was collected and if otherwise required or authorised by law.
5 How and why do we collect and use your personal information?
5.1 How do we collect your personal information?
(1) We generally collect personal information directly from you. We may collect and update your personal information when you interact with us over the phone, by email, over the internet or social media or in person, when or if you:
(a) complete an application or feedback and complaint form made available on our Website;
(b) participate in surveys or questionnaires;
(c) enquire about employment opportunities with us; and
(d) apply for a position with us as part of a recruitment process.
(2) We may also collect personal information about you from other sources, for example:
(a) third party suppliers and contractors who assist us to operate our business and deliver our Services; and
(b) through publicly available sources.
5.2 Why do we collect your personal information?
(1) We collect personal information reasonably necessary to carry out and conduct our business, to assess and manage our client’s needs, to provide our Website and to deliver our Services. We may also collect information to fulfil administrative functions associated with these Services, for example billing, entering into contracts with you or third parties and managing client relationships.
(2) The purposes for which we usually collect, use and disclose personal information depends on the nature of your interaction with us and are set out in section 9 of this Privacy Policy.
6 Can you deal with us anonymously?
(1) We will provide individuals with the opportunity of remaining anonymous or using a pseudonym in their dealings with us where it is lawful and practicable (for example, when making a general enquiry).
(2) Generally, given the nature of our Services, it is not practicable for us to deal with individuals anonymously or pseudonymously on an ongoing basis.
(3) If we do not collect your personal information:
(a) you may be unable to access; and
(b) we may be unable to deliver,
all or any parts of our Services to you.
7 How do we hold information?
7.1 Security
(1) We store information in paper-based files or other electronic record keeping methods in secure databases (including trusted third party storage providers based in Australia and overseas).
(2) Personal information may be collected in paper-based documents and converted to electronic form for use or storage (with the original paper-based documents either archived or securely destroyed). We take reasonable steps to protect your personal information from misuse, interference and loss and from unauthorised access, modification or disclosure.
(3) We maintain physical security over paper and electronic data stores, such as through locks and security systems at our premises’. We also maintain computer and network security, for example, we use firewalls (security measures for the internet) and other security systems such as user identifiers and passwords to control access to our computer systems.
(4) Our Website does not necessarily use encryption or other technologies to ensure the secure transmission of information via the internet. Users of our Website are encouraged to exercise care in sending personal information via the internet as no data transmission over the internet can be guaranteed to be completely secure.
(5) We strive to protect your personal information, however, we cannot ensure or warrant the security of any information transmitted to or from you via the internet, and you do so at your own risk.
7.2 Disposal of personal information
(1) We take reasonable steps to destroy or de-identify personal information that we no longer require.
(2) We may retain the personal information you provide to us including possibly your contact and financial details to enable us to:
(a) provide our Services, such as maintaining and improving performance of our Services, keeping our systems secure and maintain appropriate business, legal, accounting and financial records; and
(b) comply with any applicable laws.
8 Do we use or disclose your personal information for direct marketing?
(1) We may use or disclose your personal information for the purposes of direct marketing which can include informing you about our Services, upcoming promotions, or other opportunities that may interest you.
(2) If you do not want to receive direct marketing communications, you can:
(a) opt-out at any time by contacting us using the contact details set out in section 14 of this Privacy Policy; or
(b) use the functional unsubscribe or opt-out facility provided in our most recent direct marketing communication to you.
(3) If you opt-out of receiving marketing material from us, we may still contact you in relation to our ongoing relationship with you.
9 How do we use and disclose personal information?
(1) The purposes for which we may use and disclose your personal information will depend on the Services we are providing to you and the nature of your interaction with us.
(2) We will use personal information you provide for the primary purposes of providing our Services and Website, which includes but is not limited to:
(a) providing, delivering, administering and improving our Services and Website, including but not limited to:
(i) offering you Website content;
(ii) providing and enhancing features of our Website;
(iii) enabling you to access and use our Website; and
(iv) customising, researching, developing, measuring, expanding and improving our Services;
(b) personalising and improving your experience on the Website and with our Services;
(c) dealing with feedback or complaints about our Website or Services;
(d) contacting and communicating with you and providing client support;
(e) informing you of our Services;
(f) undertaking data analytics, to better understand your requirements and preferences;
(g) conducting market research, business development and to innovate and improve our Services;
(h) monitoring online activity on our Website;
(i) undertaking and administering marketing activities, database compilation and analytics, analysis of trends and demographics and other marketing or promotional activities, including but not limited to:
(i) personalising, measuring and improving our advertising;
(ii) contacting you to let you know about our Services; and
(iii) delivering direct and targeted advertising and marketing to you about our Services and business;
(j) enforcing our contracts with you;
(k) recruitment processes;
(l) responding to requests for information, quotes and other general enquires;
(m) complying with legal obligations to which we may be subject and to resolve our disputes, including but not limited to:
(i) participation in investigations and proceedings conducted by governmental or regulatory authorities and law enforcement;
(ii) prevention, detection and mitigation of unlawful activity or suspected unlawful activity;
(iii) compliance with information requests where we are legally obligated to disclose personal information;
(iv) retention and storage of your personal information to comply with specific legal retention requirements;
(v) responding to a serious threat to an individual’s life or to public health or safety; and
(vi) where otherwise required or authorised by law.
(3) We will generally use or disclose your personal information for the primary purpose for which it was collected, or for a related secondary purpose where you would reasonably expect us to use or disclose the personal information for that secondary purpose. We may otherwise use and disclose your personal information if you have given us consent in accordance with this Privacy Policy for the use or disclosure or it is required or authorised by law.
(4) We may disclose personal information to third parties, including:
(a) third parties we engage to provide services to us, including contractors and service providers used for data processing, data analysis, client satisfaction surveys, information technology services and support, website maintenance/development, archiving, debt collection, payment systems, professional advice, market research and marketing and advertising;
(b) our employees, contractors, agents, partners, promotors and other third parties who assist us in providing our Services and Website;
(c) any person who acquires, or intends to acquire, our business assets;
(d) courts, governmental and regulatory authorities and law enforcement, where required by law or to exercise or defend our legal rights; and
(e) other third parties when you have given consent to share your personal information.
(5) Third parties to who we have disclosed your personal information may contact you directly to let you know they have collected your personal information and to give you information about their privacy policies.
(6) We may also use and disclose personal information for a range of administrative, management and operational purposes. This includes:
(a) administering billing, payments and debt recovery;
(b) planning, managing, monitoring and evaluating our Services;
(c) quality assurance and improvement activities;
(d) statistical analysis and reporting;
(e) training staff, contractors and other workers;
(f) risk management and management of legal liabilities and claims (for example, liaising with insurers and legal representatives);
(g) responding to enquiries and complaints regarding our Services;
(h) obtaining advice from consultants and other professional advisers; and
(i) responding to subpoenas and other legal orders and obligations.
(7) We may use and disclose your personal information for other purposes explained at the time of collection or otherwise as set out in this Privacy Policy.
10 Do we disclose your personal information overseas?
(1) Your Personal Information may be transferred overseas or stored overseas for a variety of reasons.
(2) It is not possible to identify each and every country to which your Personal Information may be sent.
(3) If your Personal Information is sent to a recipient in a country with data protection laws which are at least substantially similar to the APP, and where there are mechanisms available to you to enforce protection of your Personal Information under that overseas law, We will not be liable for a breach of the APP if your Personal Information is mishandled in that jurisdiction.
(4) If your Personal Information is transferred to a jurisdiction which does not have data protection laws as comprehensive as Australia’s, We will take reasonable steps to secure a contractual commitment from the recipient to handle your information in accordance with the APP.
11 How can you access or seek correction of your personal information?
(1) You are entitled to access your personal information held by us on request. To request access to your personal information please contact us using the contact details set out in section 14 of this Privacy Policy.
(2) You will not be charged for making a request to access your personal information but you may be charged for the reasonable time and expense incurred in compiling information in response to your request.
(3) We will take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date. You can help us to do this by letting us know if you notice any errors or discrepancies in the information we hold about you and letting us know if your personal details change.
(4) However, if you consider any personal information we hold about you to be inaccurate, out-of-date, incomplete, irrelevant or misleading you are entitled to request correction of the information. After receiving a request from you, we will take reasonable steps to correct your information.
(5) We may decline your request to access or correct your personal information in certain circumstances in accordance with the APPs. If we do refuse your request, we will provide you with a reason for our decision and, in the case of a request for correction, we will include a statement with your personal information about the requested correction.
12 What should you do if you have a complaint about the handling of your personal information?
(1) You may contact us at any time if you have any questions or concerns about this Privacy Policy or about the way in which your personal information has been handled.
(2) You may make a complaint about privacy at the contact details set out in section 14 of this Privacy Policy
(3) We will first consider your complaint to determine whether there are simple or immediate steps which can be taken to resolve the complaint. We will generally respond to your complaint within a week.
(4) If your complaint requires more detailed consideration or investigation, we will acknowledge receipt of your complaint within a week and endeavour to complete our investigation into your complaint promptly. We may ask you to provide further information about your complaint and the outcome you are seeking. We will then typically gather relevant facts, locate and review relevant documents and speak with individuals involved.
(5) In most cases, we will investigate and respond to a complaint within thirty (30) days of receipt of the complaint. If the matter is more complex or our investigation may take longer, we will let you know.
(6) If you are not satisfied with our response to your complaint, or you consider that we may have breached the APPs or the Privacy Act, a complaint may be made to the Office of the Australian Information Commissioner.
(7) The Office of the Australian Information Commissioner can be contacted by telephone on 1300 363 992 or by using the contact details on the website http://www.oaic.gov.au.
13 How changes are made to this Privacy Policy
(1) We may amend this Privacy Policy from time to time, with or without notice to you. We recommend that you visit our Website regularly to keep up to date with any changes.
(2) Any changes to this Privacy Policy will be effective on and from the time that such changes are made available on our Website.
14 How can you contact us?
Our contact details are as follows:
(1) Address: Suite 504, 203-209 Northumberland Street, Liverpool NSW 2170
(2) Email: enquiries@creditrepair.com.au
(3) Phone: 1300 271 716
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