Privacy Policy

WIPE CREDIT CLEAN PTY LTD ABN 40 659 698 969 · AFCA member 83053

Last updated: 15th September 2026

1. About this policy

Wipe Credit Clean Pty Ltd (ABN 40 659 698 969) ("Wipe Credit Clean", "we", "us" or "our") provides credit repair services to people and businesses across Australia.

Your privacy matters to us. To help you, we often need to collect personal and financial information that is sensitive and private. This policy explains what information we collect, why we collect it, how we use and protect it, and what your rights are.

We are bound by the Privacy Act 1988 (Cth) ("Privacy Act"), including the Australian Privacy Principles, and we handle credit-related information in line with the credit reporting rules in Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code where they apply to us.

This policy applies to our website (www.wipecreditclean.com.au), our social media pages, and all of our services.

2. What personal information we collect

The information we collect depends on how you deal with us. It may include:

  • Identity and contact details — your name, date of birth, residential and postal addresses (current and previous), phone number and email address.

  • Identification documents — such as a copy of your driver licence or other ID, so we can confirm who you are when dealing with credit providers and credit reporting bodies on your behalf.

  • Credit information — copies of your credit reports, credit scores, details of defaults, clearouts, credit enquiries, repayment history, court judgments, and personal insolvency information.

  • Financial information — details of your debts, credit accounts, lenders, collection agencies, correspondence with creditors, and your employment and income where relevant.

  • Business information — if you are a business owner or director, details of your business, company and directorships.

  • Information about your circumstances — details of events that led to a listing (for example, a relationship breakdown, job loss or illness), where you choose to share them because they are relevant to your matter.

  • Payment details — information needed to process payment of our fees.

  • Communications — records of your calls, emails, messages, consultation notes, reviews and complaints.

  • Website and online information — your IP address, browser type, pages visited and similar information collected through cookies and analytics tools (see section 11).

Sensitive information

Sometimes information about your health or personal circumstances is relevant to a dispute (for example, if illness caused financial hardship). This is "sensitive information" under the Privacy Act. We will only collect it with your consent, and only where it is reasonably necessary to help with your matter.

Dealing with us anonymously

You can ask us general questions without identifying yourself, or by using a pseudonym. However, we can't review your credit report or act for you unless you give us your personal information.

3. How we collect your information

We collect personal information:

  • Directly from you — when you fill in our consultation or contact forms, call or email us, sign our engagement documents, or send us documents.

  • From third parties, with your authority — including credit reporting bodies (such as Equifax and Experian), credit providers, debt collectors, utility and telecommunications providers, courts and public registers, and ombudsman schemes such as AFCA.

  • From people who refer you to us — such as a mortgage broker, finance broker, accountant or other referral partner, where you have agreed to the referral.

  • From your representative — such as a family member, financial counsellor or lawyer acting for you.

  • Automatically — through our website and social media pages.

If we receive personal information about you that we didn't ask for, we will decide whether we could have lawfully collected it. If not, we will destroy or de-identify it where lawful and reasonable to do so.

4. Why we collect, use and disclose your information

We collect, use and disclose your personal information to:

  • assess whether we can help you and provide a quote;

  • confirm your identity;

  • obtain and review your credit reports;

  • prepare and lodge disputes, correction requests and complaints with credit providers, credit reporting bodies, debt collectors and ombudsman schemes on your behalf;

  • communicate with you about your matter and keep you updated;

  • process payments and manage our accounts;

  • work with your referring broker or adviser, where you have agreed;

  • handle complaints and feedback;

  • improve our services and website;

  • send you information about our services, where you have agreed (see section 7); and

  • meet our legal and regulatory obligations, including under our Australian credit licence, the Privacy Act, and anti-money laundering, tax and record-keeping laws.

We will only use or disclose your information for another purpose if you consent, if you would reasonably expect it and it is related to the original purpose, or if the law requires or allows it.

5. Who we may disclose your information to

We only share your personal information where needed for the purposes above. This may include disclosure to:

  • credit reporting bodies, such as Equifax and Experian;

  • credit providers, lenders, debt collectors and debt buyers connected to your listings;

  • utility, telecommunications and other service providers connected to your listings;

  • ombudsman and dispute resolution schemes, including the Australian Financial Complaints Authority (AFCA), the Telecommunications Industry Ombudsman and state Energy and Water Ombudsman schemes;

  • courts, tribunals and government agencies, where required;

  • your referring broker or referral partner, with your consent (for example, to update them on the progress of your matter);

  • your authorised representative;

  • our professional advisers, such as lawyers, accountants and auditors;

  • service providers who help us run our business, such as IT, cloud storage, CRM, email, document signing, payment processing and website hosting providers; and

  • regulators, such as ASIC and the Office of the Australian Information Commissioner (OAIC), where required or authorised by law.

We do not sell your personal information.

6. Overseas disclosure

Some of the service providers we use to store and manage information (such as cloud software, email and website platforms) may store data on servers outside Australia. As a result, your personal information may be held or accessed outside of Australia.

Where we use overseas providers, we take reasonable steps to make sure they protect your information in a way that is consistent with the Australian Privacy Principles.

7. Marketing

With your consent, we may send you news, tips and information about our services by email, SMS or social media. Every marketing message will include a simple way to unsubscribe, and you can also opt out at any time by contacting us. We comply with the Spam Act 2003 (Cth).

Opting out of marketing won't affect messages we need to send you about a service you have engaged us for.

8. How we store and protect your information

We store personal information in electronic systems and, occasionally, in paper files. We take reasonable steps to protect it from misuse, interference, loss, and unauthorised access, change or disclosure. These steps include:

  • secure, password-protected systems with multi-factor authentication where available;

  • limiting access to staff who need the information to do their job;

  • confidentiality obligations for our staff and service providers;

  • secure methods for receiving and sending documents; and

  • regular review of our security practices.

No system is completely secure, particularly information sent over the internet. If you have concerns about sending us information, please call us to discuss other options.

How long we keep your information

We keep your information for as long as we need it to provide our services and meet our legal obligations. We are generally required to keep records for 7 years after your matter ends. When we no longer need your information, we take reasonable steps to securely destroy or de-identify it.

9. Data breaches

If a data breach happens that is likely to cause serious harm to anyone whose information is involved, we will notify the people affected and the OAIC, as required by the Notifiable Data Breaches scheme under the Privacy Act.

10. Accessing and correcting your information

You can ask for access to the personal information we hold about you, or ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading.

To make a request, contact us using the details in section 13. We will need to confirm your identity first. We aim to respond within 30 days.

We don't charge for making a request, but we may charge a reasonable fee for the cost of providing access (for example, copying a large file). We'll tell you about any fee before we proceed.

If we refuse your request, we will explain why in writing and tell you how to complain. If we refuse to correct your information, you can ask us to attach a statement to it saying that you believe it is incorrect.

Please note: this section covers information held by Wipe Credit Clean. To get a copy of your credit report, or to ask for your credit report to be corrected, you can contact the credit reporting bodies directly. You can get a free copy of your credit report from each credit reporting body every 3 months.

11. Our website, cookies and social media

Our website is hosted on Squarespace. When you visit it, we and our providers may use cookies and similar technologies to make the site work, remember your preferences, and understand how people use it.

You can set your browser to refuse cookies, although some parts of the website may not work properly.

Information you submit through our website forms is sent to us so we can respond to your enquiry.

Our website may link to other websites, such as Equifax, Experian, AFCA, the National Debt Helpline, Trustpilot and Google Reviews. We are not responsible for the privacy practices of those websites, so please read their privacy policies.

If you interact with us on Facebook, Instagram or LinkedIn, those platforms also collect and handle your information under their own privacy policies. Please don't share personal financial details with us in public comments — send us a private message or contact us directly instead.

12. Privacy complaints

If you think we have breached your privacy, please contact us first using the details below. Please give us as much detail as you can.

We will acknowledge your complaint within 1 business day and aim to give you a final response within 30 days. If we need more time, we'll let you know why.

If you are not satisfied with our response, you can contact:

For more information, see our Complaints page.

13. Contact us

Privacy Officer — Wipe Credit Clean Pty Ltd

Phone: 07 5607 6745 (Monday to Friday, 8am – 2pm AEST)
Email: admin@wipecreditclean.com.au

14. Changes to this policy

We may update this policy from time to time to reflect changes in the law or in how we operate. The current version will always be available on our website, with the date it was last updated shown at the top.