Capital Credit Solutions complies with the Privacy Act (“the Act”), the Australian Privacy Principles (“APPs”), the Credit Reporting Privacy Code, as well as all relevant laws and codes.

Capital Credit Solutions collects, holds, and stores customer information that is necessary to provide services to clients and customers.

We only collect personal information required or authorised by law, which may include:

• Identification, contact details, gender and marital status;
• Financial information such as account details, assets, liabilities and income;
• Occupation and employment details;
• Involvement as a party in pending or completed legal proceedings, and;
• Credit history, credit liability information, types and amount of credit, credit balances, repayment history (including when repayments were made and when) and default information.

Capital Credit Solutions collects personal information from various sources,  such as:

• Directly from the customer;
• Information available in the public domain or through public searches;
• If difficulties are encountered locating or contacting a customer Capital Credit Solutions may collect personal information by making discreet inquiries from relevant third parties;
• Credit reporting bodies;
• Employers, to verify employment status and income;
• In some cases personal, legal or financial advisors

Occasionally sensitive information, such as health information, is required if it is relevant to a customer’s financial circumstances. 

Capital Credit Solutions will only collect sensitive information with customer consent, or where the company is otherwise permitted to do so by law.

Capital Credit Solutions takes all necessary steps to protect personal information from misuse, loss, unauthorised access, modification or disclosure.

Capital Credit Solutions only discloses personal information as authorised or required by law. 

This may involve disclosing such information to the following entities:

• Our authorised agents or third party suppliers and service providers, such as process servers and document storage providers;
• Our legal representatives;
• Customer authorised representatives;
• Credit reporting bodies (see below);
• Courts and tribunals;
• Other persons with customer consent.

Capital Credit Solutions may disclose certain credit-related personal information to credit reporting bodies as follows:

Equifax
1300 850 211
www.mycreditfile.com.au

Illion (Australia) Pty Ltd
1300 734 806
+61 39828 3333 for international callers.
www.checkyourcredit.com.au

Experian Australia Credit Services Pty Ltd
1300 784 134
www.experian.com.au/credit-services/credit-services.html

Customers have the right to request any of the above credit reporting bodies to do the following:

• Not use credit reporting information for the purposes of pre-screening of direct marketing by a credit provider; or
• Not use or disclose credit reporting information if you believe, on reasonable grounds, that you have been, or are likely to be, a victim of fraud.

Capital Credit Solutions may undertake direct marketing of their products and services. 

If customers do not want their personal information to be used for direct marketing purposes, they are able to contact the company at any time to opt out.

Customers can request access to their personal information by submitting a completed Identification and Information Access Request Form.

In certain circumstances, Capital Credit Solutions may be permitted to withhold or limit access to your personal information. In such instances, Capital Credit Solutions will inform customers of the reasons for this approach where possible.

Customers are entitled to seek a correction to their personal information.

Capital Credit Solutions will take all reasonable steps to ensure that the personal information held by the company is accurate, relevant and up to date. If customers believe that the personal information held by Capital Credit Solutions is not correct, they are able to contact the company’s highly trained dispute resolutions team on this email address [email protected],au, or by writing to:

The Privacy  Coordinator
PO Box 1664
DOUBLE BAY NSW 1360

Information requests will need to include copies of appropriate identification such as a passport or driver’s licence. If Capital Credit Solutions is unable to correct the personal information of a customer, the customer will be advised of the reasons in writing. Capital Credit Solutions endeavours to respond to such queries within 30 days of receipt of any request.

Capital Credit Solutions is entitled to charge a reasonable fee for the provision of your personal information.

Capital Credit Solutions understands that customers may encounter financial hardship. 

Hardship situations may occur when a customer is unable, because of illness, unemployment or other reasonable cause, to discharge their financial obligations under their contract. 

Additionally, some customers may encounter financial hardship due to domestic violence or financial abuse.

Should a customer be encountering financial hardship please contact our dedicated Compliance & Ethics Team on 1300 717 422 . Capital Credit Solutions will review the circumstances of customers requesting hardship on an individual basis, and act with compassion when assisting the customer.

Customers can also talk to a financial counsellor from anywhere in Australia by calling 1800 007 007 from 9.30 am – 4.30 pm Monday to Friday. This number will automatically switch through to the service in the State or Territory from where the customer is calling.

If customers are struggling financially, there are a number of free financial counselling services available.

Customers can talk to a financial counsellor from anywhere in Australia by calling 1800 007 007 from 9.30 am – 4.30 pm Monday to Friday. This number will automatically switch through to the service in the State or Territory from where the customer is calling.