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DebtManagers

Leaders in debt management | Debt purchase

Privacy policy.

DebtManagers Ledger Pty Limited is a private company (ACN 651 297 095) (“DebtManagers” or “we”), wholly owned by a New Zealand registered company Intercoll Holdings Limited. Our registered office is 20 Bond Street, Sydney NSW 2000.  

We are dedicated to respecting and maintaining the privacy of your personal information at all times. Our commitment to privacy stems from our compliance with the Privacy Act 1988 (“Act“), the Australian Privacy Principles (“APP“), the Privacy (Credit Reporting) Code 2014 (“CR Code“), and other relevant laws and codes.

We collect personal information only as required or authorised by law. The Act grants us various methods and circumstances under which we may collect personal information. You can find details about our personal information collection practices in this Privacy and Credit Reporting Policy (“Privacy Policy“).

Our utmost priority is protecting the privacy, accuracy, and security of your personal information. This Privacy Policy outlines how we manage, utilize, and disclose your information. It also provides guidance on accessing your personal information.

Definition of Personal Information:

Personal information refers to any information or opinion about an identified individual or an individual who can be reasonably identified, regardless of its form.

Types of personal information we collect include:

  • Name
  • Contact details (address, telephone, email)
  • Date of birth
  • Account details
  • Gender
  • Marital status and household information (dependents’ number and age)
  • Occupation and employment information
  • Financial information (assets, liabilities, income, expenditure)
  • Complaint details
  • Involvement in pending and completed legal proceedings

We also collect credit-related information, such as:

  • Identification information
  • Credit liability details
  • Credit history
  • Type and amount of credit
  • Payment details (amounts payable, due dates, repayment history)
  • Default information
  • Methods of Collecting Personal Information:

We collect personal information from various sources, including:

  • You (and, in some cases, your family, friends, or third-party associates)
  • Your authorized representative (legal or financial adviser)
  • Other credit providers
  • Credit reporting bodies
  • Publicly available information

Protecting Your Personal Information:

We take the security of your personal information seriously. We store data in both hard copy and electronic formats, implementing measures to prevent misuse, loss, unauthorized access, modification, and disclosure. Our security measures include:

  • Database security (password protection, secure servers, data storage devices)
  • Encryption of certain records
  • Staff training on confidentiality
  • High IT infrastructure standards and security protocols

We only retain your personal information for as long as is required under law and/or to meet our professional record-keeping and audit obligations. We endeavour to promptly and responsibly destroy any information held by us after such time we are required to.

Purpose of Collecting Personal Information:

We collect personal information necessary for our functions and activities, which include:

  • Identification and contact purposes
  • Addressing enquiries
  • Providing products and services and manage your relationship with us
  • Conducting market research and statistical analysis
  • Establishing payment arrangements
  • Complying with relevant laws and regulations

In certain cases, we may collect personal information that is sometimes considered sensitive information (such as health information) that relates to the provision of our services. However, we obtain sensitive information only with your consent and when legally authorised.

Unless otherwise consented or permitted by law, personal information will be used solely for the purpose for which it was collected or a related secondary purpose (in the case of sensitive information).

Disclosure of Personal Information:

We disclose personal information only as authorized or required by law, which may involve sharing information with:

  • Authorised agents
  • Other members of the DebtManagers Group (being any company or business that is associated with DebtManagers)
  • Legal advisors
  • Your authorised representatives
  • Courts and tribunals or other government entities (such as the police)
  • Service providers (outsourced functions, including reputable market research organisations from time to time)
  • Entities acquiring an interest in your loan account
  • Individuals with your consent

We may also disclose any information when it’s necessary to prevent physical harm or financial loss, or where we suspect illegal activity.

Disclosure to Credit Reporting Bodies:

We may disclose credit-related personal information to credit reporting bodies. For example, if you fail to meet repayment obligations, we may disclose this information to a credit reporting body. The credit reporting body may include such information in reports provided to credit providers to assess creditworthiness. The credit reporting bodies we disclose information to are:

illion Data Registries Pty Ltd
Tel: 1300 734 806
Email: pac.austral@illion.com.au
Web: www.creditcheck.illion.com.au

Equifax Pty Ltd
Phone: 1300 850 211
Mail: PO Box 964, North Sydney NSW 2059
Web: www.equifax.com.au

You have the right to request that these credit reporting bodies not use credit reporting information for pre-screening direct marketing by a credit provider or not use or disclose credit reporting information if you reasonably believe you have been or are likely to be a victim of fraud.

Access to Personal Information:

You have the right to request access to your personal information held by us and to have any inaccuracies corrected. To request access, please contact us via email at [email address].

In certain circumstances, we may refuse access to your personal information. Such circumstances include privacy impact on others, information relating to legal proceedings, negotiations, legality, and frivolous or vexatious requests. We will provide an explanation for any refusal and respond to access requests within 30 days.

No fee is charged for access requests.

We strive to ensure the accuracy, completeness, and currency of your personal information to deliver quality services. If you believe the information we hold about you is incorrect, please write to us at the address provided below.

Websites:

Our websites use cookies, which are small text files placed on your computer or mobile device to remember your preferences. The use of cookies enables us to identify accessed pages and previous sites visited. You can set your web browser to refuse cookies, but this may limit the functionality of our websites.

We also employ online advertising tools like Google Analytics, which collect data on your website interactions. These tools utilize cookies to collect data and display our ads on various websites. For more information on how Google uses such data and how you can control information sent to Google, visit www.google.com/policies/privacy/partners. To opt-out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout. We may also engage with social media platforms for advertising purposes, such as Facebook.

Contacting Us:

For more information on how Debtmanagers manages your personal information, access, and correction, please apply in writing to:

DebtManagers Pty Limited
20 Bond Street
Sydney NSW 2000
Email: hello@debtmanagers.com.au

For further privacy information in Australia, visit the Office of the Australian Information Commissioner’s website at www.oaic.gov.au.

Making a Complaint:

If you believe we have breached this Privacy Policy, the Act, the APP, or the CR Code, you may lodge a complaint by contacting:

DebtManagers Pty Limited
20 Bond Street
Sydney NSW 2000
Email: complaints@debtmanagers.com.au

We will strive to address your complaint promptly. If we cannot satisfactorily resolve your complaint, you may refer it to a recognized external dispute resolution scheme, of which DebtManagers is a member. For more information, please contact Australian Financial Complaints Authority on 1800 931 678 (toll free) or info@afca.org.au. You may also contact the Office of the Australian Information Commissioner through their website at www.oaic.gov.au/privacy/privacy-complaints. This Privacy Policy may be periodically reviewed, and we reserve the right to change it at any time. Any revised version will be published on our website.