Privacy

Privacy Policy

Wipe Credit Clean Pty Ltd (ABN 40 659 698 969) ("we", "us") respects your privacy. This policy explains how we collect, use, disclose and protect your personal information, including credit-related information, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

1. What we collect

We only collect information we need to provide our services. This may include:

• Your name, date of birth, address, phone number and email
• Identification documents, if a creditor or credit reporting body asks us to verify your identity
• Your credit reports and the listings on them, such as defaults, court judgments, repayment history and credit enquiries
• Information about your accounts and dealings with creditors, including letters, notices and contracts
• Information about your circumstances that is relevant to your dispute, such as financial hardship, illness, family violence or other life events
• Payment details needed to process your fees (handled through our payment provider)
• Records of our calls, emails, texts and other communications with you

Some of this may be sensitive information, such as health information. We only collect sensitive information with your consent and only when it is relevant to your matter.

2. How we collect it

We collect information directly from you, for example when you complete our free assessment form, talk to us, sign our client agreement and letter of authority, or send us documents. With your written authority, we also collect information from credit reporting bodies, creditors, debt collectors and AFCA. If someone refers you to us, such as a mortgage broker, they may give us your contact details and basic information about your situation.

You don't have to give us your information, but if you don't, we may not be able to help you.

3. Why we use it

• To assess your credit file and tell you what could be removed
• To act on your behalf with creditors, credit reporting bodies and AFCA
• To communicate with you about your matter
• To issue invoices and process payments, including payment plans
• To meet our legal and regulatory obligations, including as an authorised credit representative
• To handle complaints and improve our service
• To send you information about our services, where you have agreed or the law allows. You can opt out at any time.

4. Who we share it with

We only share your information for the purposes above or where the law allows. This may include:

• Creditors, debt collectors and credit reporting bodies (Equifax, Experian and illion), with your authority
• The Australian Financial Complaints Authority (AFCA)
• Our credit licensee, KBW Capital Pty Ltd (Australian credit licence 531588)
• The broker or adviser who referred you, about the progress of your matter, if you agree
• Service providers who help us run our business, such as our CRM and email systems, e-signature, payment and IT providers, accountants and professional advisers
• Regulators, courts or government agencies where we are required or authorised by law

We don't sell your personal information.

5. Overseas disclosure

Some of our service providers store data on servers located overseas, including in the United States. Some members of our team work remotely from the Philippines and can access client records to work on your file. We take reasonable steps to make sure anyone we share information with overseas handles it in line with the Australian Privacy Principles.

6. Keeping it secure

We store information electronically in secure, access-controlled systems, and limit access to staff who need it for their work. We keep your records for as long as we need them for our services and to meet our legal obligations (generally 7 years), then securely destroy or de-identify them. If a data breach is likely to cause you serious harm, we will notify you and the OAIC as required by the Notifiable Data Breaches scheme.

7. Automated decisions

We don't use computer programs to make decisions that could significantly affect your rights or interests without a person being involved. If this changes, we will update this policy to explain the kinds of personal information used and the kinds of decisions made.

8. Our website

Our website may use cookies and analytics tools to understand how visitors use it. This information doesn't usually identify you. When you submit a form on our website, we collect the details you enter so we can respond to you. Our website links to third-party sites, such as Google, TikTok, YouTube and Spotify, which have their own privacy policies.

9. Accessing and correcting your information

You can ask to see the personal information we hold about you, or ask us to correct it if it is wrong, out of date or incomplete. Contact us using the details below. We'll respond within 30 days. In limited cases the law allows us to refuse access, and if so we'll tell you why in writing.

10. Questions and complaints

If you have a question or a complaint about how we handle your personal information, please contact us first:

We'll acknowledge your complaint and aim to resolve it within 30 days. If you're not satisfied, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992. You may also be able to complain to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or on 1800 931 678. See our Complaints page for more.

11. Changes to this policy

We may update this policy from time to time. The latest version will always be on this page.

Last updated: 23 October 2026