Privacy Policy
Automated Collections Services Pty Ltd ACN 144 738 796
(and our related businesses)
Who are we?
“We”, “us” and “our” refers to Automated Collection Services Pty Ltd and our related businesses.
Our commitment to protect your privacy
We understand the importance of protecting your personal information. This Privacy Policy explains how we collect, use, disclose and manage personal information, including credit-related information.
We are committed to complying with:
- the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth), and
- other applicable privacy and credit reporting laws.
We also comply with Part IIIA of the Privacy Act 1988 (Cth) in relation to credit reporting information, as further described in our Credit Reporting Policy (Consumer Finance).
What is personal information
Personal information is information or an opinion about an identified individual or an individual who is reasonably identifiable.
This may include credit-related information.
Credit-related information (overview only)
We may collect and hold credit-related information in connection with consumer finance applications and accounts.
Credit-related information may include:
- identification information
- credit application details
- credit liability information
- repayment history information
- default information (where applicable)
- credit eligibility information obtained from credit reporting bodies
- information derived from credit reporting data
We use credit-related information to assess eligibility for finance and manage credit relationships.
Our detailed practices regarding credit reporting information are set out in our Credit Reporting Policy (Consumer Finance).
How we collect your personal information
We collect personal information directly from you where practicable, and also from:
- credit reporting bodies
- finance brokers and intermediaries
- identity verification services
- accountants, lawyers or authorised representatives
- publicly available sources where permitted by law
Why we collect, hold and use your personal information
We collect, hold and use personal information for purposes including:
- assessing finance applications
- managing finance products and accounts
- verifying identity and preventing fraud
- complying with legal and regulatory obligations
- maintaining customer relationships
- where permitted, direct marketing (with opt-out options)
Disclosure of your personal information
We may disclose personal information to:
- prospective funders and financial intermediaries
- credit reporting bodies
- service providers assisting in administration, technology, printing or customer support
- insurers, lenders mortgage insurers or trade insurers (where applicable)
- professional advisers such as lawyers and accountants
- entities involved in managing or acquiring our business or finance portfolios
- authorised representatives nominated by you
- regulators or law enforcement where required or authorised by law
- your employer, referees or identity verification services where necessary
We will take reasonable steps to ensure any recipient handles personal information appropriately.
Credit reporting framework
We participate in Australia’s credit reporting system.
Our handling of credit reporting information is governed by our Credit Reporting Policy (Consumer Finance), which explains in detail:
- how credit information is collected, used and disclosed
- how credit reporting bodies are used
- how correction and dispute requests are handled
- timeframes and processes under Part IIIA of the Privacy Act 1988 (Cth)
You can obtain a copy of this policy by contacting us.
Access and correction of personal information
You may request access to the personal information we hold about you and request correction if it is inaccurate, out-of-date or incomplete.
Requests should be made using the contact details in this policy.
Requests relating to credit-related information will be handled in accordance with our Credit Reporting Policy (Consumer Finance).
Security of personal information
We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure.
Security measures include access controls, password protection, firewalls, restricted access to systems and staff confidentiality obligations.
Overseas disclosure
Some personal information may be stored or processed by service providers located outside Australia.
Where this occurs, we take reasonable steps to ensure your information is handled in accordance with applicable privacy obligations.
Using government identifiers
We do not use government identifiers (such as tax file numbers) as primary identifiers and only use or disclose them where authorised by law.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take a range of measures and reasonable steps to protect your personal information. Your personal information will always be stored in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
What happens if you want to complain?
If you have a complaint about how we handle your personal information, you may contact us using the details below.
We will:
- acknowledge your complaint,
- investigate it internally, and
- provide a response within a reasonable timeframe.
Complaints relating to credit reporting will be handled under our Credit Reporting Policy (Consumer Finance).
If you are not satisfied with our response, you may contact:
- the Australian Financial Complaints Authority (AFCA), where applicable, or
- the Office of the Australian Information Commissioner (OAIC)
Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in law, regulatory requirements or our business practices.
The updated version will be published on our website.
Contact us
Operations Manager
ACS Asset Management
PO Box 7795
Cloisters Square WA 6850
Alternatively you can call us on 1300 851 953
Effective date
This Privacy Policy is effective from the date it is published on our website.