Privacy Policy

1. Introduction

Australian Credit Solutions Pty Ltd (ABN 80 650 730 699, Australian Credit License 532003) ("we", "us", "our", or "ACS") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our credit repair services, visit our website, or interact with us in any way.

By using our website or services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

2. Information We Collect

2.1 Personal Information You Provide

When you use our services, we may collect:

• Contact details: Name, email address, phone number, postal address
• Credit information: Credit report details, defaults, judgments, credit history
• Financial information: Income details, employment status, loan applications
• Identification: Date of birth, driver's license number (for credit file access)
• Communication: Records of your communications with us (emails, calls, messages)

2.2 Information Automatically Collected

When you visit our website, we automatically collect:

• Technical data: IP address, browser type, device information, operating system
• Usage data: Pages visited, time spent on pages, links clicked, referral sources
• Location data: General location based on IP address (city/state level)
• Cookies and similar technologies: See Section 4 below

3. How We Use Your Information

We use your personal information to:

• ✅ Provide our services: Credit repair, default removal, credit file corrections
• ✅ Assess your case: Analyze your credit file and determine removal strategies
• ✅ Communicate with you: Respond to inquiries, provide updates, send confirmations
• ✅ Improve our services: Analyze website usage, conduct research, enhance user experience
• ✅ Marketing and advertising: Send promotional materials, display relevant ads (with your consent)
• ✅ Legal compliance: Meet our obligations under the Privacy Act, Credit Reporting Code, and ASIC regulations
• ✅ Fraud prevention: Protect against unauthorized access, identity theft, and fraudulent activity

4. Cookies, Tracking Technologies & Marketing Pixels

4.1 What Are Cookies and Pixels?

Cookies are small text files stored on your device. Pixels are invisible tracking codes embedded in web pages. We use these technologies to understand how visitors use our website and to deliver relevant advertising.

4.2 Types of Cookies We Use

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Used to deliver relevant advertisements and retarget visitors

4.3 Marketing Pixels We Use

We use the following third-party marketing pixels and analytics tools:

4.4 How We Use Pixel Data

The data collected through these pixels is used to:

• Measure the effectiveness of our advertising campaigns
• Show you relevant ads on social media platforms
• Understand which marketing channels drive the most conversions
• Optimize our website based on user behavior
• Create "lookalike audiences" (finding similar potential customers)
• Retarget visitors who didn't complete an assessment or booking

4.5 Data Sharing with Third Parties

When you visit our website, pixel data is automatically shared with:

• Meta Platforms, Inc. (Facebook, Instagram)
• TikTok Pte. Ltd.
• Snap Inc. (Snapchat)
• LinkedIn Corporation (Microsoft)
• Google LLC

These companies process this data according to their own privacy policies (linked above).

5. Your Choices and Control

5.1 Opting Out of Tracking

You can control cookies and pixels through:

Browser Settings

• Disable cookies in your browser settings (Chrome, Safari, Firefox, Edge)
• Use private/incognito browsing mode
• Clear cookies regularly

Platform Opt-Out Tools

• Meta: facebook.com/ads/preferences
• TikTok: Settings → Privacy → Personalized Ads
• Snapchat: Settings → Ad Preferences → Opt out of Audience-Based Advertising
• LinkedIn: linkedin.com/psettings/advertising
• Google: adssettings.google.com

Industry Opt-Out Pages

• Digital Advertising Alliance (Australia): youronlinechoices.com.au
• Network Advertising Initiative: optout.networkadvertising.org

Browser Extensions

• Privacy Badger (privacybadger.org)
• uBlock Origin (ad blocker)
• Ghostery (tracker blocker)

5.2 Do Not Track

We currently do not respond to "Do Not Track" browser signals, but you can use the opt-out methods above to control tracking.

6. Credit Reporting Information

As a credit repair service, we handle credit reporting information which is subject to additional protections under Part IIIA of the Privacy Act 1988.

What We Access

With your written consent, we access your credit report from one or more credit reporting bodies (CRBs) including:

• Equifax (formerly Veda)
• Experian
• illion (formerly Dun & Bradstreet)

How We Use Credit Information

• To identify defaults, judgments, enquiries, and other listings that may be affecting your credit score
• To investigate whether listings were made in compliance with the law
• To prepare disputes and corrections requests
• To monitor changes to your credit file during the dispute process

This access is governed by:

• Privacy Act 1988 (Part IIIA – Credit Reporting)
• Privacy (Credit Reporting) Code 2014
• ASIC Regulatory Guide 271

7. Disclosure of Information

We may disclose your personal information to:

Service-Related Disclosures

• Credit Reporting Bodies: To access your credit report and lodge disputes
• Creditors and Credit Providers: To investigate and dispute listings on your behalf
• AFCA (Australian Financial Complaints Authority): If we escalate a dispute on your behalf
• Legal Professionals: If legal action is required

Business Operations

• Payment Processors: To process your payments securely
• IT Service Providers: Who help us maintain our systems (bound by confidentiality agreements)
• Professional Advisors: Accountants, auditors, and lawyers as needed

Legal Requirements

• When required by law, court order, or regulatory authority
• To protect our rights and the rights of others
• In cases of suspected fraud or illegal activity

8. Data Security

We implement industry-standard security measures to protect your personal information:

• ✅ Encryption: SSL/TLS encryption for data transmission (HTTPS)
• ✅ Secure storage: Encrypted databases and secure cloud storage
• ✅ Access controls: Limited employee access on a need-to-know basis
• ✅ Regular audits: Security assessments and vulnerability testing
• ✅ Compliance: ASIC licensing requirements and Privacy Act obligations

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

9. Data Retention

We retain your personal information for:

• Credit repair cases: Duration of service + 7 years (as required by Australian law)
• Marketing data: Until you opt out or request deletion
• Website analytics: Aggregated data retained indefinitely; individual data anonymized after 26 months
• Legal requirements: As required by ASIC, Privacy Act, or other regulations

You can request deletion of your data at any time (subject to legal retention requirements).

10. Your Rights (Australian Privacy Principles)

Under Australian law, you have the following rights:

• ✅ Access: Request a copy of your personal information we hold
• ✅ Correction: Request correction of inaccurate or incomplete information
• ✅ Deletion: Request deletion of your information (subject to legal requirements)
• ✅ Complaint: Lodge a complaint about our privacy practices
• ✅ Withdraw consent: Opt out of marketing communications or data collection

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

12. International Data Transfers

Your data may be transferred to and processed in countries outside Australia, including:

• United States: Meta (Facebook), Google, LinkedIn, Snapchat, TikTok servers
• Europe: Cloud storage providers, data centers
• Singapore: TikTok Asia-Pacific operations

These transfers are necessary to provide our services and deliver advertising. Third-party processors are contractually required to comply with applicable privacy laws.

13. Third-Party Websites

Our website may contain links to third-party websites (e.g., credit bureaus, lenders, social media platforms). We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing personal information.

14. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements.

We will notify you of significant changes by:

• Updating the "Last Updated" date at the top of this page
• Sending an email notification (if you've provided your email)
• Displaying a notice on our website

Your continued use of our services after changes indicates your acceptance of the updated Privacy Policy.

15. Complaints and Disputes

If you have a complaint about our privacy practices:

Step 1: Contact Our Privacy Officer

📧 help@australiancreditsolutions.com.au
📞 +61 489 265 737

Step 2: Investigation

We will investigate and respond within 30 days.

Step 3: External Complaint (if unsatisfied)

If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au

16. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

17. Consent Statement

Quick Reference: Marketing Pixels Used

Disclaimer