This Privacy Policy sets out our commitment to protecting the privacy of your personal information that we collect through this website https://www.creditmendeaustralia.com.au/ or directly from you.

Please read this Privacy Policy carefully. Please contact us if you have any questions. You providing us with personal information indicates that you have had sufficient opportunity to access this Privacy Policy and that you have read and accepted it. If you do not wish to provide personal information to us, then you do not have to do so, however, it may affect your use of this Site or any products and services offered on it.

1. Type of personal information collected

Personal Information: The type of personal information we collect may include is set out on our website. If we receive your personal information from third parties, we will protect it as set out in this Privacy Policy.

2. Collection and use of personal information

We collect and use the personal information for purposes including to contact and communicate with you, for internal record keeping and for marketing.

3. Disclosure of personal information

We may disclose personal information for purposes including to provide our services to you, and as required by law. Where we disclose your personal information to third parties for these purposes, we will request that the third party follow this Privacy Policy regarding the handling of your personal information.

4. Access to and correction of personal information

Access: You may request details of personal information that we hold about you, in certain circumstances set out in the Privacy Act 1988 (Cth). An administrative fee may be payable for the provision of information. We may refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.

Correction: If you believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us by email. We rely in part on customers advising us when their personal information changes. We will respond to any request within a reasonable time. We will endeavor to promptly correct any information found to be inaccurate, incomplete or out of date.

5. Website User Tracking

Credit Mend Australia uses tracking information to determine areas of our site that performing better than others. We use this information to assess page performance to improve our service to you and other users. We do not associate this information with data about individual’s users.

6. Cookies

This website may place a cookie in the browser files of your computer. The cookie does not contain your personal information, it simply enables us to relate your use of this site to information that you have provided. A cookie cannot read data off your computer’s hard drive or read other cookie files placed on your browser by other sites. You may opt out of cookies by turning them off in your browser. Cookies are used to help improve your experience of our website so we do recommend leaving cookies turned on but it is within your right to refuse this.

7. The Authorisation of Authority to Credit Mend Australia

By making an application to Credit Mend Australia you agree to give authority to us to access your consumer and commercial credit information held by a Credit Reporting body on your behalf. The authority you give us includes helping you in dealing with a credit reporting body or credit provider in relation to the services you have sought from us. When we access your file, it is as an access seeker. Your information may be disclosed to third parties if it forms part of the service offered to you.

8. The Authorisation of Authority to Credit Mend Australia for approached credit provider(s) to collect & disclose credit information about applicant(s)/Guarantor(s)

By making an application to Credit Mend Australia and or solicited initial inquiry made by you and or us/we,  You acknowledge and consent to Approached Credit Provider(s), subject to the Commonwealth Privacy Act, collecting, using and disclosing Credit Information [as defined below in section 9] if necessary The Information may also be collected from and disclosed to others to achieve the purpose As disclosed by you in your initial enquiry to ensure your initial enquiry is satisfied in its entirety.

9. The Authorisation of Authority to Credit Mend Australia applicant(s) & / or guarantor(s) for introducer/broker & approached credit providers to handle personal information. 

The Information may be collected from me/us, The Information may also be collected from and disclosed to others to achieve the purpose by You and/or the Approached Credit Provider.

You and the Approached Credit Provider(s) will collect, use and disclose information about me/us that identifies me/us or from which my/our identity can be reasonably ascertained (the Information). The Information may include my/our identity details, financial details and employment details. It may also include “sensitive information” (eg health information, membership of professional/trade associations) in relevant circumstances and I/we consent to its collection.

10. The authorisation of Authority for Governing departments including, but not limited to, the (ATO, ASIC, AFCA) Only information necessary to you for external complaints resolution purposes & or as required to by law.

Only Information necessary for You or the Approached Credit Provider(s). Government departments  (including, but not limited to, the ATO, ASIC, AFCA Registrars of business names, land/other assets, births deaths marriages, drivers licences). Only Information necessary for You and the Approached Credit Providers will not otherwise use or disclose the Information for any other purpose without consulting me/us before doing so in accordance to the law.

11. Children

A) We will never knowingly request personally identifiable information from anyone under the age of 18.
B) Credit Mend Australia does not provide its service to individuals under the age of 18. –

12. Complaints about breach

If you believe that we have breached the Australian Privacy Principles and wish to make a complaint about that breach, please contact us on the email address below.Alternatively, if you have further queries contact our internal complaints department on 07 5647 3742 or emailmanager@creditmendaustralia.com.au Alternately, you may raise concerns with Credit Mend Australia’s external dispute resolution provider the Australian Financial Complaints Authority (‘AFCA’), who are able to provide a free and independent review of your concerns.  You may contact AFCA by calling 1800 931 678 or visiting www.afca.org.au.

13. Unsubscribe

To unsubscribe from our e-mail database, or opt out of communications, please contact us at the details below.

14. Storage and Security

We are committed to ensuring that the information you provide is secure.

For any questions or notice, please contact us at:
Credit Mend Australia ACN: 643 405 707
Email: manager@creditmendaustralia.com.au