We acknowledge that any personal information we gather about you will only be used for the purposes we have collected, such as liaising with your creditors and the Australian Financial Security Authority or as allowed under the law. It is important to us that any information we have collected about you be treated in a confident and professional manner.
It is our commitment in respect of personal information, to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act 1988 (Cth) and any other relevant law.
The kinds of personal information we may collect about you include your name, date of birth, number of dependents, residential address, account details, employment details, proof of your earnings ad expenses, secured and unsecured debts, secured and unsecured assets, debts relating to the Australia Taxation Office, Centrelink and Child Support Agency.
We collect personal information for the following purposes:
All personal information is obtained directly from you. We may also collect your personal information from finance companies and other people such as accountants and lawyers, your creditors, State Debt Recovery Office and other government agencies.
We may disclose your personal information:
Before disclosing any of your personal information to an individual/organisations, we will ensure a Letter of Authority is signed by yourself in order for us to liaise with your creditors.
We may collect the following kinds of credit information and exchange this information with other entities:
We interchange your credit information for the purposes of assessing your application for a Debt Agreement, Bankruptcy, Debt Consolidation Loan under the Bankruptcy ACT 1966 (Cth).
Your personal information may be held electronically and in hardcopy form.
You can request your personal information be updated if it is incorrect or inaccurate. We will action your request at the time of the request or within five business days of receiving your request.
The information we hold about you is important to us. It is also imperative that the information we have about you is up to date and accurate. We may ask you to confirm and inform us of any changes of your personal information.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
We can also collect government identifiers, such as your Tax File Number, Centrelink customer reference number, Child Support Agency reference number and driver’s license details. We will not use this information without your consent.
We take practical steps in protecting your personal information by storing it safely. We can store your personal information electronically and hardcopy format. We will take extra precaution in protecting your personal information from any misuse, loss, disclosure or unauthorised access.
If you are not satisfied with how we have dealt with your personal information, or you have a complaint you may contact our complaints officer on 1300 351 008 or write to us at GPO Box 200 Bankstown NSW 1885 or email us at email@example.com.
We will acknowledge your complaint within five business days. We will provide you with the outcome of your complaint within 45 days.
If you are not satisfied with the response from our complaints officer you may make a complaint to the Financial Ombudsman Service at http://fos.org.au/ which can be contacted on 1800 367 287 or the Australian Financial Security Authority on 1300 364 785 or www.afsa.gov.au/
This policy may change when applicable.