We Can Help Pty Ltd (ABN 58 661 534 327)Trading as Credit Fixx
1. About this Policy
This Privacy Policy explains how We Can Help Pty Ltd (trading as Credit Fixx) collects, uses, discloses, and manages personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This policy is available free of charge on our website and upon request in an alternative format. We are committed to protecting your privacy and handling your personal information responsibly.
By engaging our services, you acknowledge that we will handle your personal information as described in this policy. Where consent is required by law, we will obtain it separately.
2. What Personal Information We Collect
We may collect personal information that is reasonably necessary to provide our services, including:
Name, date of birth, and contact details (address, email, phone number)
Identification documents (such as driver licence or passport)
Employment and financial information
Credit-related information (including credit history, defaults, and enquiries)
Website usage information such as IP address, browser type, and analytics data
You may choose to remain anonymous or use a pseudonym when making an initial enquiry. However, full identification is required to provide credit repair and related services.
If you do not provide the required information, we may be unable to assist you.
3. How We Collect Personal Information
We collect personal information in the following ways:
Directly from you
From your authorised representatives
From third parties with your consent
From publicly available sources
From credit reporting bodies
Automatically through our website (including cookies and analytics tools)
4. Cookies and Website Analytics
We use cookies and analytics tools, including Google Analytics, to understand website usage and improve our services.
This information is generally de-identified and used for statistical and performance purposes.
You may disable cookies through your browser settings, however this may affect website functionality.
5. How We Use Your Information
We use personal information to:
Provide credit repair and consultancy services
Communicate with you regarding your matter
Liaise with creditors, lenders, and credit reporting bodies
Meet legal and regulatory obligations
Improve our services and website
Send marketing communications (where permitted)
You may opt out of marketing communications at any time using the unsubscribe function or by contacting us directly.
6. Disclosure of Personal Information
We may disclose personal information to:
Credit reporting bodies
Credit providers, lenders, and creditors
Debt collection agencies
Regulators and government bodies
Professional advisers (including lawyers and accountants)
IT, administrative, and service providers assisting our operations
We only disclose personal information where it is reasonably necessary, required by law, or authorised by you.
7. Credit Reporting Information
We may collect and handle credit-related information as part of providing our services.
We may disclose your credit-related information to credit reporting bodies (CRBs). A list of CRBs we deal with is available on request. CRBs may include this information in credit reports provided to other credit providers.
Your rights include:
Accessing your credit information
Requesting correction of inaccurate information
Making complaints about credit reporting matters
We assist clients in disputing or correcting credit listings with credit reporting bodies and creditors where appropriate.
You may also complain to the Office of the Australian Information Commissioner (OAIC) regarding credit reporting matters.
8. Overseas Disclosure
We may disclose basic personal information (name, contact details, enquiry description) to overseas service providers for limited administrative tasks, including handling initial enquiries. These service providers may be located in the Philippines.
We do not disclose sensitive financial or credit-related information to overseas service providers.
We take reasonable steps to ensure overseas service providers handle personal information in accordance with the Australian Privacy Principles. We remain responsible for compliance with the APPs.
9. Data Security
We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure.
These measures include secure systems, access restrictions, and staff training on privacy obligations.
We comply with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth). If a data breach is likely to result in serious harm, we will notify affected individuals and the OAIC as required.
10. Data Retention
We retain personal information only for as long as necessary to provide our services and comply with legal and regulatory obligations.
When information is no longer required, we take reasonable steps to securely destroy or de-identify it.
11. Access and Correction
You may request access to, or correction of, your personal information at any time.
We will respond to such requests within a reasonable timeframe, generally within 30 days.
If we refuse a request, we will provide written reasons where required by law.
12. Complaints
If you have a complaint about how we handle your personal information, you may contact us at:
Email: complaints@creditfixx.com.au
Phone: 1300 654 045
We will acknowledge your complaint within 24 hours (one business day) and aim to provide a response within 30 calendar days.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.auPhone: 1300 363 992
13. Contact Us
For privacy-related enquiries, you may contact us at:
We Can Help Pty Ltd (Credit Fixx)Email: info@creditfixx.com.au
You may also use our complaints email for privacy-related matters.
