Privacy Policy

1. INTRODUCTION

1.1 DebtGo (“DebtGo”, “we”, “us”, or “our”) is committed to protecting your personal information and respects your right to privacy.

1.2 This Privacy Policy outlines how we collect, store, use, disclose, and safeguard your personal data when you use our services or visit our website, www.debtgo.com.au (“Site”). By accessing or using our services, you acknowledge that you’ve read and accepted this Privacy Policy.

1.3 We handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

1.4 “Personal Information” refers to data or opinions that identify you or could reasonably identify you, regardless of whether the information is true or not.

1.5 Our services are not intended for individuals under the age of 18. If we discover that we’ve collected data from a child, we will promptly delete it.

2. INFORMATION WE COLLECT

2.1 We collect personal information to operate and deliver our services through the Site. We collect data:

  • From Creditors who register to use our platform;
  • From Debtors who make payments via our services;
  • From referral partners;
  • From users who make enquiries through the Site;
  • When the Site is otherwise visited or used.

2.2 The type of personal data we collect depends on your relationship with us (e.g. Creditor, Debtor, or partner) and may include:

  • Full name, address, phone number, email address;
  • Date of birth;
  • Business or company name (if applicable);
  • Payment details such as credit card information;
  • Login credentials (username/password);
  • Information from your interaction with our Site (browser data, device identifiers, location data, IP address, referral links, website usage statistics);
  • Any other data that helps us improve or promote our services.

2.3 We make reasonable efforts to ensure all information we collect is accurate and current. When data is provided directly by you, we rely on its accuracy and encourage you to keep it up to date.

2.4 We process personal information on the following legal grounds:

  • Your explicit consent (e.g. upon registration);
  • To perform our contractual obligations;
  • For legitimate interests such as pre-contractual communications or internal analysis.
3. AUTOMATIC DATA COLLECTION

3.1 When you visit our Site, certain technical data is collected automatically by our hosting provider, including:

  • Your IP address or server ID;
  • The referring website;
  • Domain name;
  • Time and date of your visit;
  • Pages accessed and documents downloaded;
  • Browser type;
  • Any additional diagnostic information we instruct the host to collect.
4. CONSENT

4.1 By creating an account, using our services, or interacting with our Site, you consent to the collection and use of your personal information as set out in this Privacy Policy.

5. HOW WE USE YOUR DATA

5.1 Your personal information may be used to:

  • Operate and manage our services;
  • Maintain and enhance the Site’s functionality;
  • Deliver support, billing, and account management;
  • Send newsletters, updates, or marketing material;
  • Respond to enquiries or complaints;
  • Improve our services based on usage analytics;
  • Verify data accuracy;
  • Meet legal and regulatory requirements;
  • Share information with related service providers or contractors;
  • Conduct satisfaction surveys or research;
  • Aggregate or anonymise data for business insights.

5.2 If we collect sensitive personal information, we will only use or disclose it where permitted by law or with your consent.

6. MARKETING AND COMMUNICATIONS

6.1 We may contact you by:

  • Email;
  • SMS;
  • Phone;
  • Mail.

6.2 Unless you opt out, you consent to receiving promotional or informational content about our services.

6.3 You can unsubscribe at any time by contacting us directly or following opt-out instructions in our messages.

7. DATA STORAGE AND RETENTION

7.1 Personal information is stored using secure external servers, including cloud-based providers.

7.2 We retain data only for as long as required for operational, legal, or business reasons.

7.3 When your personal information is no longer needed, we take reasonable steps to destroy or de-identify it securely.

8. INFORMATION SHARING

8.1 When a Creditor uses our platform, we may share their details with relevant service parties for service delivery.

8.2 If a debt remains unresolved after using our tools, we may refer the matter (and the associated personal data) to our legal partners for further action.

8.3 We may also disclose personal information to:

  • Our team members;
  • Entities to whom you have given consent;
  • Your authorised representatives;
  • Our professional advisers (lawyers, auditors, etc.);
  • Regulators and government agencies;
  • Potential buyers or merger partners;
  • Trusted service providers (e.g. research firms, data processors).

8.4 No personal information will be shared without your consent unless required or permitted by law.

9. COOKIES AND TRACKING

9.1 We use cookies and other technologies to monitor site traffic and improve user experience.

9.2 Cookies help identify users and enhance navigation. You may disable cookies through your browser settings, but doing so could limit Site functionality.

9.3 Third-party advertising services may use their own cookies. These are governed by their respective privacy policies.

10. ACCESS, CORRECTION & COMPLAINTS

10.1 You can request access to the personal information we hold about you. We will provide access unless an exemption applies under the law.

10.2 You can request that we correct inaccurate or incomplete data.

10.3 For access, corrections, or complaints, please contact us via the details below.

11. BUSINESS TRANSFERS

11.1 In the event of a merger, acquisition, restructuring, or asset sale, your personal information may be transferred as part of that transaction. This will only occur:

  • With your consent; or
  • Where allowed or required by law.
12. CONSEQUENCES OF NON-PROVISION

12.1 If you choose not to provide personal information, we may be unable to:

  • Deliver our services effectively;
  • Keep you informed about updates or promotions;
  • Tailor our services to your needs.
13. ANONYMITY & PSEUDONYMS

13.1 Where legally and practically possible, we allow individuals to interact with us anonymously or under a pseudonym. This may not be viable for service delivery or legal compliance reasons.

14. DATA BREACH NOTIFICATION

14.1 A data breach involves unauthorized access to, or loss or disclosure of, personal information that could lead to serious harm.

14.2 If we suspect a breach has occurred, we will investigate within 30 days.

14.3 If a breach is confirmed:

  • We will notify the Office of the Australian Information Commissioner (OAIC); and
  • Inform affected individuals with details and recommended actions.
15. CHANGES TO THIS POLICY

15.1 We may occasionally update this Privacy Policy. Any material changes will be published on our Site. Continued use of our services after updates indicates your acceptance.

15.2 We may not require your consent for minor administrative changes, but we will notify you if any changes materially affect your rights.

16. CONTACT US
DebtGo
Phone: 0498 657 472
Email: info@debtgo.com.au
For more information about privacy rights, visit www.oaic.gov.au.