Privacy Policy

1. Preliminary

  • 1.1 The website at www.realcreditrepairers.com.au is operated by Real Credit Repairers Australia Pty Ltd ACN 603 777 091.
  • 1.2 This privacy policy sets out how we deal with personal information.

2. Definitions

    • 2.1 In this privacy policy:

Personal Information means information or an opinion about an identified individual, or an individual who is reasonably identifiable:

  • (a) whether the information or opinion is true or not; and
  • (b) whether the information or opinion is recorded in a material form or not.

RCRA, we, our, us means Real Credit Repairers Australia Pty Ltd ACN 603 777 091.

Sensitive information means:

    • (a) information or an opinion about an individual’s:
  • (i) racial or ethnic origin; or
  • (ii) political opinions; or
  • (iii) membership of a political association; or
  • (iv) religious beliefs or affiliations; or
  • (v) philosophical beliefs; or
  • (vi) membership of a professional or trade association; or
  • (vii) membership of a trade union; or
  • (viii) sexual orientation or practices; or
  • (ix) criminal record;
  • that is also personal information; or
  • (b) health information about an individual; or
  • (c) genetic information about an individual that is not otherwise health information; or
  • (d) biometric information that is to be used for the purpose of automated biometric verification or biometric identification; or
  • (e) biometric templates.
  • Services means those specified in clause 2 of our Terms and Conditions.
  • You means the individual about who we are collecting Information.

3. Collection of your personal information

  • 3.1 Anonymity and pseudonymity

Due to the nature of the services we provide, it is impractical for us to deal with you without knowing your full name. When you register for our services, you are required to use truthful and accurate information and you will not have the option to use a pseudonym.

    • 3.2 Personal information
  • (a) We usually collect personal information (but not sensitive information) from you and third parties (such as credit reporting bodies, credit providers, courts, tribunals and the like) For the purpose of providing the Services.
  • (b) We usually use and disclose personal information (but not sensitive information) to third parties (such as credit reporting bodies, credit providers, courts, tribunals and the like) for the purpose of providing the Services.
    • 3.3 Sensitive information

We will only disclose your sensitive information for the purposes for which you gave it to us or for directly related purposes you would reasonably expect or if you agree.

    • 3.4 Unsolicited information
  • (a) If we receive personal information that we did not solicit, we will, within a reasonable period after receiving the information, determine whether or not we could have lawfully collected the information had we solicited it.
  • (b) If we determined that we could have lawfully collected the information had we solicited it, we will deal with that information in accordance with this privacy policy. If, however, we determine that we could not have lawfully collected the information had we solicited it, then we will destroy or de-identify that Information as soon as practicable, where it is lawful and reasonable to do so.

4. Direct marketing

We (and our related body corporates) may use your personal information for the purpose of direct marketing. You may opt out by notifying us.

5. Disclosure to overseas recipients

We will not disclose personal information to overseas recipients without your prior consent.

6. Storage and security of personal information

    • 6.1 We will take reasonable steps to protect personal information that we hold from:
  • (a) misuse, interference and loss; and
  • (b) unauthorised access, modification or disclosure.
  • 6.2 We will destroy or de-identify personal information when we no longer need it and we are not required by law or a court / tribunal order to retain it.

7. Accessing and correcting your personal information

If you ask, in most cases we will give you access to the personal information that we hold about you, and take reasonable steps to correct it if we consider it is incorrect.

8. How to make a complaint

You can complain to us in writing about how we have handled your personal information. We will respond to the complaint within 30 days.

9. How to contact us

You can contact us at:

Email: info@realcreditrepairers.com.au

Telephone: 1300 277 355

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