Introduction
This Privacy Policy ('Policy') explains in general terms how "Creditcardebt" and Debt Agreement Services ABN 98 254 984 and ABN 97 899 369 respectively ('Debt Agreement Services', 'we' 'our' or 'us') protects the privacy of your personal information. We are firmly committed to protecting the privacy and confidentiality of personal information and maintain robust physical, electronic and procedural safeguards to protect personal information in our care.

What is personal information?
Personal information is information or an opinion, in any form (whether true or not) about an individual whose identity is apparent or can reasonably be ascertained from the information or opinion.

How do we collect personal information?
Where practical we will collect personal information directly from you. Generally this will be collected by us when you deal with us either in person, by telephone, letter, facsimile, email or when you visit our website. We may request information about you when you purchase or make enquires about our services or when you request brochures or other information. We may also collect information when we invite you to complete surveys or provide us with feedback.

What personal information do we collect?
Generally, the type of personal information we collect about you is the information that is needed to give you information about Debt Agreement. For example, we may collect details such as your name, mailing address, telephone number, email address, credit card number and expiry date. We also collect information that is required for use in the business activities of Debt Agreement Services, including for example, financial details necessary in order to process various transactions and any other information you may elect to provide to us.

We are required by law to obtain your consent to the collection of sensitive information. We will assume that you have consented to the collection of all information which is provided to us for use in accordance with this Policy, unless you tell us otherwise.

How long are your records kept for?
We will destroy all questionnaires within 3 months of receipt.

Is the information disclosed to third parties?
We will only process,or forward on, the questionnaires and enquiries to properly registered ,and fully accredited, Administrators to assist you further.

Debt Agreement Services has implemented appropriate physical, electronic and managerial security procedures in order to protect personal information from loss, misuse, alteration or destruction.

Debt Agreement Services regularly reviews security and encryption technologies and will strive to protect information to the fullest extent possible.

Access and correction of personal information
Subject to the exceptions set out in the Privacy Act 1988 (Cth), we invite you to access and correct any personal information we may hold on you. If we deny access, we will provide you with the reason for such denial.

We may recover from you our reasonable costs of supplying you with access to this information.

Changes to our Policy
From time to time it may be necessary for us to review and revise this Policy. We reserve the right to change our Policy at any time, should this occur the amendment would be posted on our website.

We welcome your inquiries or comments about our Policy. Should you have any comments or complaints please contact us at mail@creditcardebt.com.au