Credit Clean Australia is committed to protecting your personal information and respecting your privacy rights. This Privacy Policy explains how we collect, use, store, and disclose personal information.
1. Who We Are
Credit Clean Australia Pty Ltd (“we”, “us”, “our”) provides credit reporting assistance services.
We are committed to handling your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2024.
2. What Information We Collect
We may collect personal information including:
- Name, date of birth, address and contact details
- Information you provide through enquiries, forms, or calls
- Credit-related personal information contained within your credit report, which may include:
- Credit accounts and listings
- Defaults or adverse information
- Credit enquiries
- Other information held by credit reporting bodies
- Records of communications and interactions with you
- Website usage data (e.g. IP address, browser type, cookies)
3. How We Collect Information
We collect personal information:
- Directly from you (forms, phone, email, submissions)
- From credit reporting bodies (e.g. Equifax, Illion, Experian)
- From credit providers and other relevant third parties
- Through website tracking tools and cookies
4. Why We Collect Your Information
We collect and use your personal information to:
- Obtain and review your credit reports
- Identify potential inaccuracies or issues
- Assist you in raising disputes with:
- Credit providers
- Credit reporting bodies
- External dispute resolution schemes (e.g. AFCA)
- Regulatory bodies (e.g. OAIC / Information Commissioner)
- Communicate with you about your enquiry or services
- Comply with legal and regulatory obligations
If you do not provide required information, we may not be able to provide our services.
5. Disclosure of Personal Information
We may disclose your personal information to:
- Credit reporting bodies (Equifax, Illion, Experian)
- Credit providers and lenders
- External dispute resolution bodies (including AFCA)
- Regulatory authorities (including the Office of the Australian Information Commissioner)
- Service providers (e.g. CRM systems, IT providers, payment processors)
We only disclose information where necessary to provide our services or comply with legal obligations.
6. Credit Reporting Information
We collect, use, and disclose credit-related personal information in accordance with:
- Part IIIA of the Privacy Act 1988
- The Privacy (Credit Reporting) Code 2024
This includes obtaining your credit report and using that information to assist in identifying and disputing potentially inaccurate or non-compliant listings.
7. Overseas Disclosure
Some of our service providers may store or process personal information overseas. We take reasonable steps to ensure such providers handle your information in accordance with Australian privacy laws.
8. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure.
9. Access and Correction
You may request access to your personal information or request correction of inaccurate information by contacting us.
We will respond within a reasonable timeframe in accordance with applicable law.
10. Complaints
If you believe we have breached your privacy rights, you may contact us to make a complaint. We will investigate and respond.
If you are not satisfied, you may escalate your complaint to:
- Office of the Australian Information Commissioner (OAIC)
- Australian Financial Complaints Authority (AFCA), where applicable
11. Cookies and Website Tracking
We use cookies and similar technologies to:
- Improve website functionality
- Analyse website usage
- Enhance user experience
You can disable cookies in your browser settings, however some features may not function correctly.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The current version will always be available on our website.
13. Contact
Credit Clean Australia
Email: ask@creditcleanaustralia.com.au
Phone: 1300 739 860
Address: Suite 137, Building 1 ‘Lakehouse’, 34 Glenferrie Drive, Robina QLD 4226