Privacy Policy

1. About this Policy

1.1 This is the Privacy Policy of Credit Clear Limited ACN 604 797 033 and its Related Entities (ARMA Group Holdings Pty Ltd). We provide receivables management services to our business clients (“Clients”). Included as part of our services is the Credit Clear technology platform (the “Credit Clear Product”). In some cases, Clients use their own branding for our services and the Credit Clear Product.

1.2 This Privacy Policy deals with how we handle personal information. Personal information is information or an opinion (whether true or not) about an identified individual, or an individual who is reasonably identifiable.

1.3 We handle Personal information in our own right and also on behalf of our Clients and their customers (“Customers”).

1.4 Our Privacy Policy does not apply to information we collect about businesses or companies, but it does apply to personal information that we collect about individuals in those businesses or companies.

1.5 We comply with the privacy laws which include the Privacy Act 1988 (Cth) (“Privacy Act”) and we follow the standards of the Australian Privacy Principles (“APPs”) under the Privacy Act.

1.6 By providing personal information to us, each individual is taken to have read and understood this Privacy Policy and consented to the collection, use disclosure and handling of their personal information in accordance with this Privacy Policy.

2. Information We Collect

2.1 To operate our business, we have to collect personal information. We aim to collect personal information only if it is reasonably necessary to providing the service, product or information that an individual has requested from us.

2.2 The types of personal information we may collect includes:

  • Personal Details. details such as an individual’s name, location, date of birth, physical location, language, family details and other personal information that allows us to identify the individual;
  • Contact Information, information such as an individual’s email address, phone number, third- party usernames, residential, business and postal address and other information that allows us to contact the individual;
  • Financial Information. financial information related to an individual such as any debts owed to our Clients, bank or credit card details used to transact with us, and other information that allows us to transact with the individual and/or provide them with our services;
  • Statistical Information. information about an individual’s online and offline preferences, habits, movements, trends, decisions, associations, memberships, finances, purchases and other information for statistical purposes; and
  • Information an individual sends us, personal correspondence that an individual sends us, or that is sent to us by others about the individual’s activities.
  • Sensitive information (Health). Information an individual sends us, provides verbally about their health which can be used to support a hardship support application where there may be a reduced capacity to pay which is related to indviduals health.
  • Sensitive information (Health). This type of information is stored only with the individuals consent, and may be provided to our client in support of any requests for hardship.
  • Sensitive information (Health). Information sent to us by a client, if the debt we have contacted an individual about relates to unpaid fees or charges for a medical test or procedure, in which case the use of this information is necessary to evidence the legitimacy of the liability.

2.3 We may also collect other personal information about an individual if it is necessary to manage our relationship with them.

2.4 We may also collect information that is not personal information about an individual such as information regarding their computer, network and browser. This may include their IP address. Where information that is not personal information is collected, the APPs and this Privacy Policy do not apply.

3. How Information Is Collected

3.1 When providing our products and services (including the Credit Clear Product), we collect personal information in a variety of ways. Unless it is unreasonable or impracticable to do so, we collect personal information from individuals directly.

3.2 In some cases, we will collect information about individuals from a third party.

3.3 We mainly collect personal information from our Clients who use us to provide receivables management services in relation to their Customers. This may include personal information about Customers and personal information about other individuals.

3.4 We also collect personal information from individuals directly. The ways we do this include:

  • Using Credit Clear: When an individual enters personal information into the Credit Clear Product for any reason.
  • Registrations/Subscriptions: When an individual registers or subscribes for a service, list, account, connection or other process and they enter personal information details in order to receive or access something, including a transaction.
  • Contact: When an individual contacts us in any way, including to make an enquiry about our services, or to engage with our business or its employees in the course of receiving services from us.
  • Access: In some cases an individual may be required to validate their identity in order to use the Credit Clear Product. When an individual accesses us through the internet we may also collect information using cookies (an individual can adjust their browser’s setting to accept or reject cookies) or analytical services.
  • Pixel Tags: Pixel tags enable us to send email messages in a format Customers can read and they tell us whether mail has been opened.

3.5 We may also collect personal information from sources such as advertising and information in the public domain. This includes public records and information that an individual posts online, such as social media content.

3.6 Personal information may also be collected by us from mailing lists, contractors, staff, recruitment agencies, and our business partners.

3.7 We will seek to ensure that an individual is aware of when their personal information is being collected. At the time of collection, or as soon as practicable after we have collected it, we will take such steps as are reasonable in the circumstances to notify an individual of the collection and of matters relevant to the collection, unless it is obvious from the circumstances that the individual would know or would expect us to have the information.

4. Why We Collect, Hold And Use Personal Information

4.1 We collect, hold, use and disclose personal information primarily to:

  • provide products or services to our Clients;
  • enable individuals to manage their affairs with our Clients; and
  • contact individuals for business purposes and manage our relationship with individuals or our Clients.
4.2 Personal information is also collected, held, used and disclosed to enable us to operate our business. This may include the following purposes:

  • enabling the individual to manage their affairs with our Client;
  • the provision of goods and services between an individual and us;
  • verifying an individual’s identity;
  • communicating with an individual about their relationship with us or our services;
  • marketing and promotions;
  • competitions, surveys and questionnaires;
  • dealing with complaints about or made by an individual, or if we suspect that an individual is in breach of any of our terms and conditions or that an individual has engaged in any unlawful activity;
  • as required or permitted by any law (including the Privacy Act); and
  • developing and improve our products, client service and relationships.

5. Disclosure Of Personal Information

5.1 We may disclose an individual’s personal information to:

  • external providers of services that we use to provide business or administrative services to our business or manage our business systems; for example, file storage service providers, database and mailing service providers, marketing service providers, providers of payment processing, payment gateways and identity verification services and IT technicians who may need access when providing on-site support (although it is our practice for them to work under supervision) and other professional service providers as required from time to time); or
  • our professional advisors and agents.

5.2 Where personal information is provided to us by a third party, (such as our Client) that third party will always have access this information as the master record holder.

5.3 We may disclose an individual’s personal information to these third parties so that they can assist us with providing the best possible service to our Customers. Those people or companies will be permitted to access only the personal information they need to deliver the service to us, our Customers, or our Clients, or where required by law or our reporting requirements. We take reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of personal information.
5.4 If we sell or otherwise transfer part or the whole of our company or our business (or part of our business) to another organisation (including in the course of a transaction like a sale, merger or acquisition or as part of a dissolution, liquidation, administration, receivership or other form of insolvency), personal information that is collected by us may be disclosed to a third party, prospective buyer, transferee or insolvency practitioner.
5.5 We may utilise third party service providers to communicate with an individual and to store contact details about an individual, which may result in personal information being in transit or disclosed outside of Australia.
5.6 Generally speaking, the personal information that we collect and hold about an individual will be stored as follows:

  • Country in which the individual is located: Australia and New Zealand
  • Country in which personal information is stored: Australia
5.7 Except as set out in paragraphs 5.5 or 5.6, unless we have consent, or the disclosure is required or authorised by law, we will not disclose an individual’s personal information to any entity outside of Australia that is in a jurisdiction that does not have a similar regime to the APPs or an implemented and enforceable privacy policy similar to this Privacy Policy. We will take reasonable steps to ensure that any disclosure to an entity outside of Australia will not be made until that entity has agreed in writing with us to safeguard personal information as we do.
5.8 When an individual provides us with their personal information, they give us their consent to disclose their personal information outside of Australia for the purposes described above and acknowledge that we are not required to ensure that overseas recipients handle that personal information in compliance with the Privacy Act.
5.9 We will not otherwise disclose information about individuals unless the disclosure:

  • is required or authorised by law; or
  • that individual has consented to our disclosing the information about them.

6. Security Of Personal Information

6.1 We will take all reasonable steps to protect an individual’s personal information from unauthorised access, modification or disclosure and from misuse, interference and loss. This includes appropriately securing our physical facilities and electronic networks.

6.2 We use encryption to transfer personal information. Despite this, the security of online transactions and the security of communications sent by electronic means or by post cannot be guaranteed. Each individual who provides information to us via the internet or by post does so at their own risk.

6.3 If an individual suspects any misuse or loss of, or unauthorised access to, their personal information, they should let us know immediately.

6.4 We will retain the personal information that we collect as required by law, and then take reasonable steps to destroy or permanently de-identify that personal information if it is no longer needed.

7. How To Access And/Or Update Information

7.1 An individual has the right to request access to, or correction of, the personal information that we hold about them. This right is subject to the APPs and some exceptions under the law. We will respond to a written request within a reasonable period of receiving a written request (subject to appropriate verification of the individual’s identity).

7.2 We aim to ensure that the personal information we collect and hold is accurate, complete and up to date. It is an individual’s responsibility to provide us with accurate and truthful personal information, and properly update the information with us. We cannot be liable for any information that is provided to us that is incorrect.

7.3 If an individual believes that the personal information we hold is inaccurate or incomplete, they need to contact us and we will use all reasonable efforts to correct the information. If we do not believe the information to be incorrect, we will take reasonable steps to add a statement to the personal information claiming that the individual believes the information is inaccurate, incomplete or out of date

7.4 We will give each individual access to their personal information unless there is a lawful reason for refusing the request for access or correction. If we refuse a request we will give the individual a written notice explaining our reasons for that refusal and how they may complain about that refusal.

7.5 We may charge an individual a reasonable fee for our costs incurred in meeting any of their requests to disclose the personal information that we hold about them.

8. Complaints And Disputes

8.1 If an individual has a complaint about our handling of their personal information, they are encouraged to contact us on 1300 363 394 or they should address their complaint in writing to the details below. Complaints should set out the details of the complaint and contact details of the individual making the complaint.

8.2 Our Privacy Officer will review complaints, acknowledge requests and ask for any other applicable information. Our Privacy Officer will then investigate the issue and advise the individual in writing of the outcome.

8.3 If we have a dispute regarding an individual’s personal information, we both must first attempt to resolve the issue directly between us. If the issue is not resolved, the individual can also make a complaint to the Office of the Australian Information Commissioner. Further information is available at

9. Contacting Us

9.1 All correspondence about privacy should be addressed to:
Attn: Privacy Officer
Credit Clear Limited
Building 11, 41-43 Bourke Rd, Alexandria NSW 2015
Call us on 1300 363 394

This Privacy Policy was last updated December 2023.

10. Related Policies

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If you’ve got any questions about your account or just need some more information and advice, you can get in touch with us by filling out the contact form below or by giving us a call on 1300 363 394. One of our team will be in touch as soon as we can to assist resolve your matter.

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Disclaimer: We always try to stop sending messages to you while you’re waiting for a response from us. If you do receive anything please don’t worry. You don’t need to do anything until we get back to you. Anything you submit through this form will come straight through to our team so we can start working on your request as soon as possible. The details you submit will only be used for the purposes of assisting you resolve your query. Please see our Privacy Policy for more information.