Privacy Policy

1. What is Personal Information?

Under the Privacy Act, "Personal Information" is any information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether true or not.

2. The Types of Information We Collect

Depending on whether you are a Client (creditor) or a Debtor, we may collect different categories of personal information:

3. How We Collect Personal Information

We gather data through transparent, lawful industry methods:

• Directly from Clients: When an onboarding client logs into our portal, registers a collection placement, or submits supporting debt files.
• Directly from Debtors: When a debtor communicates with our staff over the phone, responds via email, or uses the secure payment verification screen on our website.
• From Authorised Third Parties & Public Registers: We may collect data via ASIC register lookups, property titles, public directories, and skip-tracing networks to ensure files remain accurate.

4. Primary Purposes for Handling Data

We hold and process personal information strictly to fulfil our core operations:

• To verify individual identities prior to disclosing or discussing open debt records, strictly honouring third-party privacy guidelines.
• To systematically process, demand, negotiate, and collect outstanding commercial balances.
• To securely process payments via our native integration with Stripe and deliver dynamic receipts.
• To fulfil legally mandated record-keeping and audit obligations under Australian law.

5. Disclosure of Personal Information

We do not sell or lease personal data. Your information is only disclosed under strict operational scenarios:

• To Our Clients: Progress reports regarding a debtor's settlement discussions are routinely provided to the original appointing creditor.
• To Contracted Service Providers: Financial processors (Stripe), email service infrastructure providers, and secure data hosting providers bound by identical privacy obligations.
• To Legal Practitioners or Courts: If an escalation path requires legal filings or formal process serving.
• Where Authorised by Law: To satisfy regulatory authorities, police forces, or statutory court orders.

We handle information via Australian cloud infrastructure and do not routinely disclose personal information to overseas recipients.

6. Information Security and Storage

Data security is paramount to our status as a secure, high-authority recovery agency.

• Storage Frameworks: All electronic data is managed via segmented, modern database environments protected by industry-standard encryption protocols.
• Retention Boundaries: Personal data is retained only for the duration necessary to satisfy operational needs or legal record-retention statutes (typically up to 7 years for financial records). Unneeded or unverified data is permanently destroyed or de-identified.

7. Access and Correction Rights

Under the APPs, you possess explicit rights to request access to the personal data we hold about you, or to request corrections if you believe the records are out-of-date or inaccurate.

To protect your information, we require rigorous identity verification before facilitating any data modifications or releases. Access requests can be made in writing via the compliance channels listed below.

8. Complaints and Contact Information

If you have any questions about this policy, believe your privacy has been breached, or wish to dispute a data record, please forward your written inquiry directly to our compliance officer:

If you are unsatisfied with our internal dispute resolution process, you maintain the right to lodge a formal complaint directly with The Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.