CreditMax Pty Ltd (ABN [insert ABN]) is committed to protecting the privacy of individuals who interact with us — including applicants for loans, customers, website visitors, and business contacts. This Privacy Policy sets out how we collect, hold, use and disclose your personal information. By accessing our website (https://www.creditmax.com.au) or using our services, you agree to the collection and handling of your personal information in accordance with this policy.
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable. It includes information such as your name, contact details, date of birth, financial information, and other information which can identify you. It may also include sensitive information, where relevant, as defined in the Privacy Act 1988.
We may collect and hold the following kinds of personal information (depending on the nature of your application / interaction with us):
Identifiers: name, date of birth, driver’s licence or other identification details;
Contact details: address, email, telephone number, mobile number;
Employment and income information, assets and liabilities;
Credit-related information (for loan applications), such as credit history, repayment history, defaults, guarantor information;
Banking and payment information;
Website usage information: IP address, browser type, OS, device identifiers, clickstream data;
Other information you provide in your dealings with us (for example via phone, online application, in person).
We collect personal information directly from you when you:
apply for a loan or credit with us;
complete our online or paper application form;
use our website or submit an enquiry;
contact us by telephone, email or otherwise;
We may also collect personal information from third parties, including credit reporting bodies, referees you provide, publicly-available sources, and other organisations (where you have consented or where permitted by law).
We collect, hold, use and disclose personal information for the following purposes:
to assess and process your loan/credit application and manage your account;
to verify your identity and meet ‘know your customer’ / anti-money-laundering obligations;
to assist in ongoing account administration, credit management, monitoring, and risk management;
to communicate with you (including marketing, if consented);
to comply with legal and regulatory obligations;
for internal business operations including training, complaint handling, auditing, website administration, system security and maintenance;
to tailor our services, analyse customer behaviour, and improve our offerings.
We may disclose your personal information to third parties including:
Credit reporting bodies and other credit providers (for credit-related information);
Our service providers, agents or contractors who perform functions on our behalf (e.g., IT providers, analytics, mailing services, identity verification);
Regulatory bodies, courts or government agencies where required by law;
Other organisations to whom you have given your consent;
Prospective purchasers or business partners in the event we restructure or sell parts of our business.
We will take reasonable steps to ensure that any third party to whom we disclose your personal information handles it in accordance with the APPs and our privacy obligations.
Where necessary, your personal information may be disclosed to recipients located outside Australia. If we do so, we will take reasonable steps to ensure that the overseas recipient handles your personal information consistently with the APPs or obtains your consent, unless an exception applies under the Privacy Act.
We hold your personal information in secure electronic and/or physical form. We take reasonable steps to protect it from misuse, interference, loss, unauthorized access, modification or disclosure. This includes use of encryption, secure servers, access controls and staff training.
We will take reasonable steps to destroy or de-identify personal information when it is no longer needed for a purpose for which it may be used or disclosed, unless required by law to retain it.
We use cookies and similar technologies on our website to collect data such as IP address, browser type, OS, device identifier, browsing behaviour, click-stream data, and time spent on pages. This helps us analyze usage, improve the website, personalise the experience, and for marketing. You may choose to disable certain cookies, but doing so may affect website functionality.
If you give us your consent, we may send you direct marketing communications about products or services offered by CreditMax. You may opt-out of receiving marketing communications at any time by following the unsubscribe link in our emails or by contacting us. We will respect your choice.
You have the right to:
request access to the personal information we hold about you;
request correction of inaccurate, incomplete or out-of-date personal information;
lodge a complaint about a breach of the APPs or this policy;
withdraw consent for certain uses (subject to legal or contractual obligations).
To request access, correction or to make a complaint, please contact our Privacy Officer (see section 12). We will respond within a reasonable time. If you are dissatisfied with our response, you may contact the Office of the Australian Information Commissioner.
If you have any questions about this Privacy Policy or our handling of your personal information, please contact:
Privacy Officer
CreditMax Pty Ltd
Murray Rd, Thornhill Park VIC 3335
Email: admin@creditmax.com.au
Phone: 1300 438 273
We may update this Privacy Policy from time to time. The “Effective date” is set below. We encourage you to review it periodically. If we make major changes, we will notify you via our website or other reasonable means.
Effective date: 14 Jul 20