Privacy Policy

1. Scope and our commitment

This Privacy Policy explains how Clear My Debts Australia Pty Ltd (ACN 680 367 006) (we, us, our) collects, holds, uses and discloses personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and Part IIIA of the Privacy Act in relation to credit information.

We are bound by the APPs and the registered industry Privacy (Credit Reporting) Code 2014.

Our registered office is 311 Hume Highway, Liverpool NSW 2170. You can contact us about privacy at support@clearmydebts.com.au or on 1300 998 168.

2. What personal information we collect

We collect personal information that is reasonably necessary for us to provide credit assistance and debt management services to you. This may include:

• Identification information: name, date of birth, residential address, drivers licence or passport details;
• Contact information: phone numbers, email addresses, postal address;
• Financial information: income, expenses, assets, liabilities, bank statements, payslips, Centrelink statements, tax returns;
• Debt information: details of your creditors, account numbers, balances, payment history, correspondence from creditors;
• Credit information: information from your consumer credit report (see section 9);
• Sensitive information: information about hardship circumstances (e.g. illness, family violence, unemployment) where you choose to provide it to support a hardship application;
• Online information: IP address, device identifiers, cookies and analytics data when you use our website.

3. How we collect it

We collect personal information directly from you (e.g. through forms, phone calls, emails, our online application, and the documents you provide). We may also collect it from:

• Credit reporting bodies (Equifax, illion, Experian) where you have authorised a credit check;
• Your creditors, on your authority, to clarify or negotiate your accounts;
• Government agencies (e.g. Services Australia) on your authority;
• Referrers who have introduced you to us, with your consent.

4. Why we collect it

We collect personal information so we can:

• Assess your situation and provide credit assistance and debt management services;
• Comply with our obligations under the National Credit Act, including responsible lending and suitability assessment;
• Negotiate and communicate with your creditors on your behalf;
• Identify you and meet our anti-money-laundering obligations;
• Manage our relationship with you and respond to queries and complaints;
• Improve our website and services.

If you choose not to provide the information we request, we may not be able to provide our services to you.

5. Who we disclose it to

We may disclose your personal information to:

• Your creditors and their representatives, with your authority, to negotiate on your behalf;
• Credit reporting bodies, in accordance with Part IIIA of the Privacy Act;
• Third-party service providers we use to deliver our services (e.g. our cloud CRM, payment processors, document signing platforms, IT support);
• Professional advisers (lawyers, accountants, registered debt agreement administrators, trustees) where you have engaged them or authorised us to refer you;
• AFCA, ASIC, the Australian Financial Complaints Authority, or other regulators where required by law or in connection with a complaint;
• Courts, tribunals or law enforcement where required or authorised by law.

6. Overseas disclosure

Some of our service providers (including cloud hosting, CRM and communication providers) may store data on servers located overseas, including in the United States and the European Union. Before disclosing your information to an overseas recipient, we take reasonable steps to ensure the recipient does not breach the APPs in relation to your information.

7. Storage and security

We hold personal information in secure electronic and physical systems. We protect it using reasonable technical and organisational measures including encryption in transit, access controls, staff training, and supplier due diligence. We retain personal information for as long as required by law — generally at least 7 years after the end of our engagement with you, as required by the National Credit Act.

8. Accessing and correcting your information

You can request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. Send your request to support@clearmydebts.com.au. We will respond within a reasonable time (and within 30 days for credit information). There is no charge for making a request, but we may charge a reasonable fee for providing copies of records.

9. Credit reporting information

Where you authorise us to obtain your consumer credit report, the credit reporting body provides us with credit information regulated under Part IIIA of the Privacy Act. We use this information only to provide the credit assistance you have asked us to provide.

You have specific rights in relation to credit information, including the right to:

• Request a copy of your credit information held by a credit reporting body free of charge once every 3 months;
• Request the correction of inaccurate credit information;
• Request that a credit reporting body not use your credit reporting information for pre-screening direct marketing;
• Request a ban on the use of your credit information if you believe you are or are likely to be a victim of fraud.

Credit reporting bodies we deal with: Equifax (equifax.com.au), illion (illion.com.au), Experian (experian.com.au).

10. Privacy complaints

If you believe we have breached the APPs, the Privacy Act, or the Credit Reporting Code, please contact us first at support@clearmydebts.com.au. We will acknowledge your complaint within 7 days and respond within 30 days.

If you are not satisfied with our response, you can complain to:

• The Australian Financial Complaints Authority (AFCA) — 1800 931 678 — afca.org.au
• The Office of the Australian Information Commissioner (OAIC) — 1300 363 992 — oaic.gov.au

Version

Version 1.0 — issued 10 March 2026. We may update this Privacy Policy from time to time. The current version is always available at clearmydebts.com.au/privacy.html.