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Active Debt Recovery: No Win No Fee

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Privacy Policy


1. Purpose

Active Debt Recovery (“we”, “our”, “us”) collects, uses, stores and discloses personal information when conducting debt collection and related credit management services in Australia.

We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), as well as following the ACCC and ASIC Debt Collection Guideline.

2. What Personal Information We Collect

We may collect personal information that is necessary to identify, contact and communicate with individuals in connection with a debt, including:

  • Full name, date of birth, and contact details (address, phone, email).

  • Identification details (e.g. driver’s licence, account numbers).

  • Financial and credit information, including details of the debt.

  • Employment and income details (where relevant to debt recovery).

  • Communication records, correspondence, and call notes.

  • Information from third parties such as creditors, credit reporting bodies, and authorised representatives.

3. How We Collect Personal Information

We collect personal information in several ways, including:

  • Directly from you (via phone, email, post, website forms, or in person).

  • From the creditor or organisation that has engaged us to collect a debt.

  • From publicly available sources (such as the ASIC or ABN register).

  • From credit reporting bodies and other relevant third parties, where permitted by law.

We will only collect personal information by lawful and fair means, and only when it is reasonably necessary for our debt collection activities.

4. Why We Collect, Hold, Use and Disclose Your Information

We collect and use your personal information to:

  • Contact you regarding an outstanding debt.

  • Confirm your identity and verify account details.

  • Negotiate repayment arrangements.

  • Record and manage communications related to your account.

  • Comply with our contractual, legal, and regulatory obligations.

  • Undertake complaint handling or dispute resolution processes.

We may disclose your information to:

  • The creditor or client who engaged us.

  • Credit reporting bodies (where lawful).

  • Legal advisers, mercantile agents, or courts/tribunals (if legal recovery action is required).

  • Regulators or law enforcement agencies, if required by law.

We will not sell, rent, or trade your personal information.

5. Compliance with the ACCC & ASIC Debt Collection Guideline

We adhere to the ACCC and ASIC Debt Collection Guideline, which requires:

  • Respectful and fair communication with debtors.

  • Avoidance of undue harassment or coercion.

  • Use of personal information only for legitimate debt collection purposes.

  • Maintaining accurate and up-to-date records.

  • Protecting debtor privacy and confidentiality.

6. How We Store and Protect Personal Information

Your information is stored securely in physical and electronic form, protected by appropriate technical, administrative, and physical safeguards.
These include:

  • Password-protected systems and encrypted data transfers.

  • Secure office premises and restricted staff access.

  • Regular staff training on privacy and data protection.

We retain personal information only for as long as necessary to fulfil its purpose or meet legal obligations. Information is securely destroyed or de-identified when no longer required.

7. Access and Correction

You have the right to request access to, or correction of, your personal information that we hold.
Requests can be made by contacting us using the details below.
We may require identification and will respond within a reasonable period in accordance with the Privacy Act 1988 (Cth).

8. Complaints About Privacy

If you believe we have breached your privacy or the Australian Privacy Principles, you can lodge a complaint by contacting us in writing.

We will:

  • Acknowledge your complaint within 7 days.

  • Investigate and respond within 30 days (or as required by law).

9. Overseas Disclosure

We generally do not disclose personal information outside Australia.
If overseas disclosure is required (for example, where a data storage provider is located offshore), we will ensure appropriate safeguards are in place to protect your privacy in accordance with the APPs.

10. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations.
The latest version will always be available on our website.

11. Contact Us

For questions, requests or complaints regarding this Privacy Policy, please contact:

complaints@activedebtrecovery.com.au

1300 853 230