1. Application of this Privacy Policy

1.1 This is the Privacy Policy of DEBTMERC PTY LTD - ACN: 684 008 508 (Debtmerc, we, us, our).

1.2 We respect your privacy and are committed to protecting the privacy of your personal information as defined in the Privacy Act 1988 (Cth) (the Act).

1.3 We collect, hold, use, manage, and disclose all personal information in accordance with the Australian Privacy Principles (Principles) contained in the Act.

1.4 By using Debtmerc services or submitting personal information to us, you accept the terms of this Privacy Policy, and consent to our management, use, collection, disclosure, and retention of personal information, as described in this Privacy Policy.

1.5 If you disagree with any part of this Privacy Policy, please do not provide us with your personal information. However, doing so may limit or prevent your use of our website and Services.

2. The reasons why we collect Personal Information

2.1 Debtmerc is a debt collection agency that provides debt recovery, banking and finance collections, and legal action management services (Services).

2.2 We collect personal information reasonably necessary to operate our business.

2.3 We collect, hold, use, and disclose personal information primarily to provide Services to our clients.

3. What kind of Personal Information do we collect

3.1 We collect personal information from our clients, service providers, commercial agents, public records, government databases, credit reporting agencies, social media, directly from the individual and/or from your authorised representatives.  

3.2 The personal information we collect may include the following:

(a) Personal details - individual’s name, address, and date of birth;

(b) Identification details - driver's license, account numbers or other documents provided;

(c) Contact information - phone number, email address, business, residential, and postal address;

(d) Financial information - loan details, credit information, debts owed, repayment history, defaults, assets, liabilities, income, expenses, employment details and bank account details; and

(e) Information provided to us by the individual such as client files, written correspondence in any form, credit application forms, references and referees.

3.3 We do not collect sensitive information (as defined in the Act) unless it is:

(a) Provided to us by the individual who has consented to its collection and use;

(b) Provided to us by our client for the purpose of performing our Services; or

(c) Required or authorised by law.

4. Web Analytics and Cookies (Google Analytics)

4.1 We use Google Analytics to understand how you engage with our website.

4.2 When you visit our website, Google Analytics collects certain information that may constitute personal information or online identifiers under the Act. This includes:

(a) Device and Browser Data: Your operating system, browser type, device model, and screen resolution;

(b) Geolocation Data: Your approximate geographic location (country, state, and city) derived from your IP address; and

(c) Our Website Interaction Data: The pages you visit, time spent on pages, links clicked, and the website that referred you to us.

4.3 We use this information to analyse website traffic, improve user experience, and optimise our Services.

4.4 We do not merge this data with any personally identifiable information (such as your name or email address) unless we have your consent to do so.

5. How Personal Information is collected

5.1 We mainly collect personal information from our client’s when we are instructed to perform Services.

5.2 We may collect personal information directly from an individual or from third parties.

5.3 We may also collect personal information in the following ways:

(a) When individuals use our Services and facilities available on our website;

(b) When we collect information from government databases, credit reporting bodies, or other information providers;

(c) When an individual makes an enquiry about our Services;

(d) Through access and use of our website; and

(e) When an individual fills in any of our hard copy or online forms.

5.4 If you do not provide us with the personal information we require, or if that information is inaccurate:

(a) We cannot act for clients who do not provide verifiable personal identification; and

(b) We may not be able to carry out your instructions, provide our Services, or achieve the specific purpose for which the information was sought.

6. Disclosure of Personal Information

6.1 We may disclose personal information to:

(a) external service providers that we engage to perform part of our Services;

(b) third party businesses for use of their software, file storage, payment processing, identity verification, IT technicians, website hosting and operators, accountants, solicitors, credit reporting agencies and other professional advisors;

(c) our staff, agents, contractors and consultants engaged by us; and

(d) Our client or creditor who instructed us.

6.2 We may disclose your personal information to regulatory authorities, law enforcement agencies, or government departments where required or compelled by law.

7. Overseas Disclosure

7.1 We will only disclose personal information overseas if it necessary for us to perform the Services.

7.2 If overseas disclosure is required for the purposes of communicating with an individual or engaging with necessary third-party service providers, your information may be processed in or accessed from external jurisdictions. These countries may include the USA and New Zealand.

8. Storage and Security of Personal Information

8.1 We take all reasonable steps to protect your personal information from misuse, interference, and loss, as well as from unauthorised access, modification, or disclosure.

8.2 Your personal information may be stored by us in both physical and electronic formats, including:

(a) secure on-site physical filing systems and restricted-access office premises; and

(b) secure electronic databases and cloud-based storage infrastructure.

8.3 We will take reasonable steps to destroy or permanently de-identify personal information when it is no longer required for the purpose it was collected, or as otherwise required or permitted by law.

9. Access and correction of personal information

9.1 You can request access to your personal information we hold or to request that we correct any inaccurate, outdated, or incomplete personal information.

9.2 If you wish to access or correct your personal information, please contact us in writing. In order to protect your personal information, we will require you to verify your identity before we release any requested information.

10. Complaints and Enquiries

10.1 If you have an enquiry or complaint about how we handle your personal information, please contact us by phone or submit your complaint in writing.

10.2 Our Privacy Officer will review your complaint and endeavour to respond within 30 days.

10.3 If you believe we have not adequately resolved your complaint, you may complain to the Office of the Australian Information Commissioner (OAIC) via www.oaic.gov.au or by phone on 1300 363 992.

11. Amendments

11.1 We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations.

11.2 All updates will be published on our website, and your continued use of our Services constitutes acceptance of the revised Privacy Policy.

11.3 This policy was last updated on 1 October 2026.

12. Contacting us

12.1 Address: Debtmerc Pty Ltd - Level 1, 5 George Street, North Strathfield NSW 2137.

12.2 Email: [email protected]

12.3 Phone: (02) 8330 6666 or 0489 16 16 71