Privacy Policy

Whose information we handle

Because of the nature of our business, we handle personal information about a range of individuals, including:

• clients and creditors who engage us, and their staff and representatives;
• debtors and other individuals connected to a debt we are engaged to recover (for example, guarantors or referees); and
• website users, suppliers, contractors and job applicants.

The information we collect

The personal information we collect depends on our relationship with you and may include:

• name, contact details (address, email, telephone), date of birth and identifiers;
• financial information, including details of debts, accounts, payment history and arrangements;
• credit information and credit eligibility information within the meaning of Part IIIA of the Privacy Act;
• employment, business and asset information relevant to recovery;
• records of our communications with you; and
• technical information collected via our website (see clause 8).

We generally do not collect sensitive information and only do so where permitted by law and reasonably necessary for our functions.

How we collect information

We collect personal information in a number of ways, including:

• directly from you, by telephone, email, correspondence or our website;
• from our clients and creditors who refer a debt to us for recovery;
• from third parties such as solicitors, courts and tribunals, process servers, skip-tracing agencies, search providers, credit reporting bodies, public registers and government agencies; and
• from publicly available sources.

Where we collect personal information about a debtor from a creditor or a third party rather than from the individual directly, we take reasonable steps to notify the individual, or ensure they are aware, of the matters required by APP 5, except where an exception applies.

Why we collect, hold, use and disclose information

We collect, hold, use and disclose personal information for purposes connected with our debt recovery business, including to:

• provide debt recovery and related services to our clients;
• locate, contact and communicate with debtors and negotiate payment;
• brief and instruct solicitors and conduct or defend legal proceedings;
• conduct searches, process service and skip tracing;
• assess, manage and recover debts and verify identity;
• meet our legal, regulatory and reporting obligations; and
• manage our business, website and relationships with clients and suppliers.

Disclosure of information

We may disclose personal information to:

• our client or creditor on whose behalf we are acting;
• solicitors, barristers, courts, tribunals and enforcement agencies;
• process servers, search providers and skip-tracing agencies;
• credit reporting bodies, where permitted under Part IIIA of the Privacy Act and the CR Code;
• our related entities, contractors and service providers (including IT and payment providers); and
• government or regulatory authorities where required or authorised by law.

We do not sell personal information.

Credit-related information

Where we handle credit information or credit eligibility information, we do so in accordance with Part IIIA of the Privacy Act and the CR Code. We may collect such information from, and disclose it to, credit reporting bodies and other credit providers as permitted by law. Further information about how a credit reporting body manages credit information is available in its own privacy policy.

Overseas disclosure

We generally hold and process personal information in Australia. If we use service providers located, or storing data, overseas (for example, cloud or IT providers), we take reasonable steps to ensure they handle personal information consistently with the APPs. The countries in which such recipients are located may include outside of the Commonwealth of Australia.

Our website and cookies

When you use our website, we may collect technical information such as your IP address, device and browser type, and pages visited, including through cookies and similar technologies. This helps us operate, secure and improve our website. You can disable cookies in your browser, though some features may not function properly as a result.

Security of information

We take reasonable steps to protect personal information from misuse, interference and loss, and from unauthorised access, modification or disclosure, using physical, technical and administrative measures. We retain personal information only for as long as required for our business purposes or by law, and then take reasonable steps to destroy or de-identify it.

Access and correction

You may request access to, or correction of, the personal information we hold about you by contacting us using the details below. We will respond within a reasonable period and in accordance with the APPs. We may need to verify your identity, and in limited circumstances we may decline a request as permitted by law, in which case we will give you written reasons.

Complaints

If you have a complaint about how we have handled your personal information, please contact our Privacy Officer using the details below. We will acknowledge your complaint and aim to respond within 30 days. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au, by telephone on 1300 363 992, or by writing to GPO Box 5288, Sydney NSW 2001.

Changes to this policy

We may update this Privacy Policy from time to time. The current version will always be available on our website, and changes take effect from the date of publication.

Contact us

Privacy Officer
Actium X Pty Ltd
PO Box 836, North Sydney NSW 2029
hello@actiumx.au
Telephone: 1800 228 486