Privacy Policy

Privacy Policy of Credit Report Experts Australia

This Privacy Policy outlines how Credit Report Experts Australia Pty Ltd (ABN 19 686 679 916) (“Credit Report Experts Australia”, “we”, “our”, “us”) collects, handles, stores, uses, and discloses your personal information, in compliance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and relevant financial legislation including the National Consumer Credit Protection Act 2009 (Cth).

By engaging our services, you acknowledge and consent to the handling of your personal information in accordance with this
policy.

1. Collection of Personal Information

We collect personal information for the purpose of providing credit-related services, including referral to credit providers,
financial consultation, and direct marketing of services offered by Credit Report Experts Australia or its affiliates.

“Personal information” refers to any information or opinion that identifies or can reasonably identify an individual, whether true
or not, and whether recorded in a material form or not.

The personal information we may collect includes:

  • Name, contact details, and address;

  • Identification documents (e.g. driver’s licence, passport);

  • Government-issued identifiers (e.g. TFN, Centrelink or Medicare numbers);

  • Date of birth and gender;

  • Employment details and salary;

  • Information about your spouse or dependents (where relevant).

We do not collect sensitive information unless required by law or with your explicit consent.

2. How We Collect Your Information

We primarily collect personal information directly from you through:

  • Phone calls, emails, and other correspondence;

  • Completion of forms, questionnaires, or surveys;

  • Our website and digital platforms.

In some instances, we may also obtain your information from third parties such as:

  • Your employer or authorised representative;

  • Publicly accessible databases;

  • Credit reporting agencies; or

  • As required under Australian law.

If you provide information about another individual, you confirm that you are authorised to do so and that you have informed them of our Privacy Policy.

3. Use of Personal Information

We use personal information for the following purposes:

  • To verify identity and assess creditworthiness;

  • To deliver credit repair, debt management, and financial services;

  • To respond to your enquiries and requests;

  • To manage client relationships and business operations;

  • To meet legal, regulatory, or contractual obligations;

  • To send you relevant updates, offers, and promotional material.

We may also use de-identified information for statistical analysis, reporting, and marketing insights.

4. Storage and Security

We store your personal information in both digital and physical formats. We employ robust security measures including encryption, password protection,
secure servers, access controls, and secure storage facilities to prevent unauthorised access, misuse, loss, or disclosure

5. Disclosure of Personal Information

We may disclose your personal information to:

  • Credit reporting agencies and their agents;

  • Finance brokers, credit providers, and third-party lead providers;

  • External service providers (e.g. IT consultants, legal advisers);

  • Regulatory bodies and government agencies;

  • External dispute resolution schemes;

  • Any party you have authorised us to share information with.

These entities may be located in Australia or overseas.

6. Credit Reporting and Identity Verification

You consent to Credit Report Experts Australia:

  • Obtaining a credit report about you from a credit reporting body;

  • Verifying your identity using information from credit reporting agencies;

  • Disclosing your personal details (e.g. name, DOB, address, employer, licence number) to credit reporting bodies for assessment purposes.

This may assist us in assessing your suitability for credit or financial services.

7. Direct Marketing Communications

We may use your personal information to contact you with promotional material, updates, or offers related to our services or those of affiliated providers.

If you do not wish to receive marketing communications, you can:

  • Click “Unsubscribe” in our marketing emails; or

  • Email us at: help@creditreportexperts.com.au

8. Accessing and Correcting Your Information

You may request access to your personal information by contacting our office in writing. We will respond within a reasonable timeframe and may charge a
reasonable fee to cover administrative costs.

If you believe the information we hold is inaccurate, outdated, incomplete, or misleading, please contact us, and we will take all reasonable steps to correct it.

9. Special Consent for Marketing and Broker Referrals

By submitting your information to us, you expressly consent to:

  • Being contacted by Credit Report Experts Australia, affiliated credit providers, or finance brokers for marketing purposes;

  • Receiving contact by phone, SMS, email, or post regarding relevant offers and services;

  • Allowing us to refer your information to third-party brokers or lead providers for financial assistance.

You also acknowledge that finance brokers may act as agents for credit providers, and that your information may be shared with them for assessment and pre-
qualification purposes.

10. Liability and Third-Party Services

We are not responsible for the services or practices of third parties to whom we refer you or share your personal information. Any dealings you have with
such third parties are solely between you and them.

You acknowledge and agree that Credit Report Experts Australia will not be liable for any direct or indirect loss or damage resulting from your
engagement with third-party service providers.

11. Making a Complaint

If you have concerns about how we have handled your personal information, you can lodge a complaint in writing to:

Credit Report Experts Australia

Suite 100/39 Martin Place, Sydney, NSW 2000

Email: help@creditreportexperts.com.au

We will aim to respond to your complaint within 30 days. If you are not satisfied with our response, you may escalate your complaint to:

Australian Financial Complaints Authority (AFCA)

Website: www.afca.org.au

12. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time. The latest version will be available via our website or upon request.

To access the most recent version:

  • Visit: www.creditreportexterpexpertsaustralia.com.au

  • Or contact us at: help@creditreportexperts.com.au