Privacy & Terms
We take your rights and privacy seriously and have outlined what that means to us and our relationship with you.
Your rights and privacy
We respect that your debt is personal.
Each debt is a different story about people, conversations, agreements, promises and good intentions. It’s just that those intentions went wrong somewhere.
At Baycorp we believe that the more information you have available, the easier it is to lift the burden of debt and make the right decisions.
Your rights and responsibilities
Legally, responsibility lies with you when it comes to paying your debts on time, and you shouldn’t deliberately avoid your obligations.
Sometimes it also helps to get assistance from a community-based financial counsellor, solicitor or other qualified adviser who might be able to help. Across Australia and New Zealand there are several non-profit organisations that can help you with financial advice. If you are struggling with unmanageable debt we suggest taking a look at some of these websites.
Australia
The Australian Competition and Consumer Commission (ACCC) and Australian Securities and Investments Commission (ASIC) offer a booklet on ‘Dealing with debt: your rights and responsibilities’ which can be viewed here.
You can also contact the Office of the Australian Information Commissioner who is an independent statutory agency within the Attorney General's portfolio.
New Zealand
The Commerce Commission website provides an overview of your rights and responsibilities under the Fair Trading Act. Click here for the overview.
The Office of the Privacy Commissioner has a summary of Your Privacy and can be found here.
Our promise
At Baycorp our aim is to help you lift the burden of debt because as uncomfortable as debt is, resolving it once and for all, is a great feeling.
We respect that your debt is your business, so when you are dealing with us, you can always expect to be treated fairly, with respect and courtesy. We will not unduly harass or coerce you about debts owed.
Privacy & Credit Reporting Policy
Baycorp is a wholly owned subsidiary of the Credit Corp Group of Companies, which comprises Credit Corp Group Limited at Level 15, 201 Kent St, Sydney 2000 (ACN 092 697 15) and its subsidiaries (“Credit Corp”, “we” and “our”). We are committed to ensuring that the privacy of your personal information is respected and maintained at all times.
We are bound by the Privacy Act 1988 (“Act”), the Australian Privacy Principles (“APP”), the Privacy (Credit Reporting) Code 2014 (“CR Code”) as well as other applicable laws and codes.
We only collect personal information as required or authorised by law. In particular, the Act authorises us to collect personal information in various ways and in certain circumstances. Information about the ways and circumstances in which we collect personal information is contained in this Privacy and Credit Reporting Policy (“Privacy Policy”).
We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. This Privacy Policy outlines how we manage your personal information and how we maintain, use and disclose that information. It also provides you with information about how you can access your personal information.
In addition to your privacy rights arising under Australian Law and this Privacy Policy, individuals who are located in the European Union (EU)/United Kingdom (‘UK’) also have privacy rights arising under the General Data Protection Regulation (GDPR). The GDPR gives rights to individuals located in the EU/UK and places obligations on organisations holding their personal information.
Please visit the following link for details on your privacy rights if you are located in the EU/UK and information on how we meet these obligations to protect your privacy.
What is personal information?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:
- whether the information or opinion is true or not; and
- whether the information or opinion is recorded in a material form or not.
The types of personal information that Credit Corp collects typically includes your:
- name;
- contact details (such as address, telephone and email);
- date of birth;
- account details;
- gender;
- marital status and other household information such as number and age of dependents;
- occupation and employment information;
- financial information such as assets, liabilities, income and expenditure;
- complaint details; and
- involvement as a party in pending and completed legal proceedings.
Other types of personal information that Credit Corp collects relates to credit information. This typically includes:
- identification information;
- credit liability information;
- credit history;
- type and amount of credit;
- details of amounts payable and when such amounts are payable;
- repayment history, including when payments were made and whether payments were made when due; and
- default information.
How does Credit Corp collect personal information?
Credit Corp collects personal information from various sources. This may include collecting personal information from:
- you (and in some cases, your family, friends or other third party associates);
- your authorised representative (such as your legal or financial adviser);
- other credit providers;
- credit reporting bodies; and
- publically available information.
Protecting your personal information
We are committed to ensuring the security of your personal information. We store information in both hard copy and electronic form. We protect your personal information from misuse, loss, unauthorised access, modification and disclosure. The steps that we take to protect your personal information include:
- ensuring database security through password protection and secure servers and data storage devices;
- encryption of certain records;
- staff training on confidentiality; and
- maintaining accreditation to International Standard – ISO27001 Information Security Management.
Why is personal information collected by Credit Corp?
Credit Corp collects personal information that is reasonably necessary for one or more of its functions or activities. We collect personal information about you so that we can:
- identify you;
- contact you;
- respond to your enquiries;
- provide you with products and services;
- enter into payment arrangements with you; and
- comply with relevant laws and regulations.
In certain circumstances, we may also collect sensitive information about you. Sensitive information has a particular meaning under the Act and includes health information. However, we only collect and use sensitive information with your consent and where we are legally authorised to do so.
Unless you otherwise consent or we are otherwise permitted to do so by law, personal information will only be used for the purpose for which it was collected (“the primary purpose”) or for a purpose related, or in the case of sensitive information directly related, to the primary purpose (“the secondary purpose”).
The main consequences of us not collecting personal information are an inability or delay in being able to identify you, contact you or provide services to you.
We do not use your tax file number, pension number, drivers licence number, Australian Business Number, Medicare number or any other government related identifier as an account number or as our own identifier for you. However, we may ask you for one of these identifiers to prove your identity when you deal with us.
Disclosure of personal information
Credit Corp only discloses personal information as authorised or required by law. This may involve disclosing such information to:
- organisations forming part of the Credit Corp Group of Companies;
- our authorised agents;
- our legal advisors;
- your authorised representatives;
- courts and tribunals;
- our service providers where we outsource functions (such as process serving, repossession, bulk mailing, information technology maintenance, functionality and support or document storage);
- any entity that may acquire an interest in your loan account; and
- other persons with your consent.
Disclosure to credit reporting bodies
Credit Corp may also disclose certain credit related personal information to credit reporting bodies. For example, if you fail to meet repayment obligations, we may be entitled to disclose this to a credit reporting body. When such information is disclosed to a credit reporting body, the credit reporting body may include such information in reports provided to credit providers to assist them in assessing your credit worthiness. We disclose information to the following credit reporting bodies:
illion Data Registries Pty Ltd
Tel: 1300 734 806
Email: pac.austral@illion.com.au
Web: www.creditcheck.illion.com.au
Equifax
Phone: 1300 850 211
Mail: PO Box 964
North Sydney NSW 2059
Web: www.equifax.com.au
Experian Australia Credit Services Pty Ltd
Phone: 1300 784 134
Mail: PO Box 1969
North Sydney NSW 2060
Web: www.experian.com.au/credit-services/credit-services.html
You have the right to request the above credit reporting bodies not to:
- use credit reporting information for the purposes of pre-screening of direct marketing by a credit provider; or
- use or disclose credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
If you would like more information about how the above credit reporting bodies manage credit related information you can contact them directly and request a copy of their privacy policy.
Does Credit Corp provide information to overseas entities?
If you relocate overseas, we may disclose personal information to our overseas agents that operate in the particular country to which you have relocated. We may also disclose personal information to entities or branches which are part of the Credit Corp Group of Companies which are located overseas including within the Philippines.
Access to personal information
You have the right to request access to any personal information that we hold about you and for such information to be corrected. You can make a request for access to your personal information by contacting customercare@creditcorp.com.au.
In some circumstances, we may refuse to provide you with access to your personal information. These circumstances include where:
- providing access would have an unreasonable impact on the privacy of others;
- the information relates to existing or anticipated legal proceedings and would not be discoverable in those proceedings;
- providing access would reveal our intentions in relation to negotiations with you in such a way as to prejudice those negotiations;
- providing access would be unlawful;
- denying access is otherwise required or authorised by law; and
- the request for access is frivolous or vexatious.
In the event that we refuse to provide you with access to your personal information, we will provide you with an explanation for that refusal. Depending on the complexity of the information and/or the request, we will respond to any request for access within 30 days.
You will not be charged a fee for making a request to access your personal information. However, depending on the type of request, a fee may apply and be charged for providing the information to you. The fee covers the cost to us in collating, copying and providing certain information to you.
We will endeavour to provide the requested information as promptly and inexpensively as possible. Following receipt of your request, we will let you know if a fee applies and if so, the amount. Any applicable fee will most likely be required to be paid prior to us providing documents or information to you. Information about how any applicable fee is calculated will be provided following receipt of your request.
Credit Corp will take reasonable steps to ensure that your personal information is accurate, complete and up to date. This allows us to provide quality services to you. If you believe the information we hold about you is incorrect please write to us at the address listed below.
Websites
Our websites use cookies. A cookie is a small text file that a website may place on your computer or mobile device to remember your preferences. The use of cookies may enable us to identify the pages you access and the prior site you visited. You can set your web browser to refuse cookies, however this may mean that you are unable to use the full functionality of our websites.
We also use online advertising tools such as Google Analytics. These may include Remarketing, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting. Like cookies, these tools collect data about how you interact with our websites. These tools mean that third-party vendors, including Google, use cookies to collect such data and show our ads on sites across the Internet. You can find out more about how Google uses such data and how you can control information sent to Google at www.google.com/policies/privacy/partners. Information about how you can opt out of Google Analytics can be found at https://tools.google.com/dlpage/gaoptout. We also interact with social media sites such as Facebook for advertising purposes.
Contacting Us
You may obtain more information about the way Credit Corp manages your personal information and about access to and correction of your personal information by applying in writing to:
Customer Care
Credit Corp Group Limited
GPO Box 4475
Sydney NSW 2001
Email: customercare@creditcorp.com.au
Further information on privacy in Australia may also be obtained by visiting the website of the Office of the Australian Information Commissioner at www.oaic.gov.au.
Making a complaint
You may make a complaint if you believe that we have breached this Privacy Policy, the Act, the APP or the CR Code by contacting:
Customer Care
Credit Corp Group Limited
Telephone 1300 768 621
Email: customercare@creditcorp.com.au
We will endeavour to deal with your complaint as soon as is reasonably practicable. If we are unable to satisfactorily resolve your complaint, it may be referred to a recognised external dispute resolution scheme of which Credit Corp is a member. Credit Corp is currently a member of the dispute resolution scheme of the Australian Financial Complaints Authority (AFCA) which is approved by the Office of the Australian Information Commissioner and the Australian Securities and Investments Commission. AFCA provides an impartial dispute resolution service which is free to consumers and can be contacted at www.afca.org.au or on 1800 931 678.
You can also contact the Office of the Australian Information Commissioner by visiting the following website and following the steps listed on the website: www.oaic.gov.au/privacy/privacy-complaints.
This Privacy Policy may be reviewed from time to time. We reserve the right to change our policy at any time. Any revised version of this policy will be published on our website.
This Privacy Policy was last updated in March 2023
Acceptance
This site ("Site") is owned by Baycorp (referred to on the Site as "we", "us" or "our"). Use of our Site is subject to the following terms and conditions of access to and use of the Site ("Terms of Access"). By accessing and browsing the Site you represent that you have read, understood and accepted these Terms of Access and agree to be bound by them. If you do not agree to these Terms of Access please do not use our Site.
Changes
We reserve the right, at our discretion, to update or revise these Terms of Access. Please check the Terms of Access periodically for changes. Your continued use of this Site following the posting of any changes to the Terms of Access indicates your acceptance of those changes.
Jurisdiction
Your access to, and use of, the Site is governed by and construed in accordance with the laws of Australia or New Zealand, whichever is applicable, and you agree to submit to the exclusive jurisdiction of the courts in Australia or New Zealand, whichever is applicable.
Intellectual property rights
You acknowledge and agree that all content and material available on the Site is protected by copyrights, trade marks or other intellectual property rights and laws. No content or material on the Site may be reproduced, adapted, linked to, distributed or used in any way without our prior written consent. However, you may print or download one copy of the materials or content on this site on any single computer for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices.
Links
We have not reviewed all or any of the sites linked to the Site and are not responsible for the contents of any those sites. We request that you seek permission prior to linking to this site. Your linking to this site is at your own risk.
General disclaimer
Whilst we have endeavoured to ensure that the content and material on the Site is free from error, we do not warrant its accuracy, adequacy or completeness or that it is suitable for your intended use. This Site may not be continuously available.
Liability exclusion
Your use of the Site is at your own risk. By using this site, you agree that we are not responsible for any damage or harm arising out of your use of the Site. You also agree that all warranties, conditions and representations in respect of the Site (express or implied) are excluded to the fullest extent permitted by law.
What is a cookie?
Cookies are small files which are placed in your browser by the websites you visit on your desktop, tablet or smartphone. When you visit a website that has issued a cookie to your computer, your web browser sends the data that it has stored in that cookie back to the website's server.
There are two types of cookies - session and persistent.
Session cookies are temporary and deleted when you close your browser.
Session cookies are temporary and deleted when you close your browser.
Persistent cookies help websites remember your information and settings when you visit our site in the future.
What is the purpose of using cookies?
We use cookies for a variety of purposes, including the following:
- To enable the efficient operation of our website;
- To produce data on web traffic;
- To learn about how we can improve the digital experiences we provide;
- To advertise our products and services;
What cookies do use?
There several cookies categories we use on this site, including the following:
-
Strictly necessary cookies – These are cookies which are essential for use of the website.
a. Session: are temporary cookies which only exist during the time you use the website (or more strictly, until you close the browser after using the website).
-
Functional cookies – these are cookies facilitate the functioning of our website (for example language preferences).
Cookie Name and expiration term Recorded information Purpose Data Sharing PHP Session PHPSESSID - browser session Values of your session, such as visited pages Functional - Enhancing your website experience by enabling website functionalities. For example, this cookie ensures that when you click on "back", you actually return to the relevant previous page. No data sharing - Performance/tracking cookies – These are cookies used to gather data on how we can improve the online experience. We may use google analytics, hotjar, crazyegg for this particular purpose.
- Advertising/targeting cookies – These cookies are used to recognise you online so we can deliver adverts that more relevant. We may use google remarketing, google conversion tracking, doubleclick, adroll and linkedin ads/insights for this purpose.
How delete or disable cookies?
Your browser should allow you to delete your cookies. If you do choose to set your browser to disable all cookies, this may affect your ability to use this site. To learn more how you manage cookies click here
Purpose
Baycorp is committed to protecting the credit information of its customers in performing its debt collection services.
Baycorp’s Credit Information Management Policy (the Policy) is designed to align with our corporate values of:
- Honesty and Integrity;
- Strive to Excel; and
- People Do Matter.
This Credit Information Management Policy explains how we handle and protect your credit information.
Scope
Baycorp complies with the Privacy Act 1988 (Cth) as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012 and the Credit Reporting (CR) Code (the Acts).
The Act sets out principles that govern the collection, storage, use and disclosure of your credit information to promote and protect consumer privacy.
You can find the complete version of the Privacy Act and CR Code at www.oaic.gov.au.
What is Credit Information?
Credit information is information is personal information that is, amongst other things:
- identification information;
- consumer credit liability information;
- repayment history information;
- default information;
- payment information;
- new arrangement information;
- court proceedings and personal solvency information; and
- serious credit infringemen
Collecting and using your credit information
We collect and use your credit information when we perform debt collection services for ourselves and our clients.
We will not collect your credit information unless it is related to our debt collection services. We collect your credit information, from credit reporting agencies, our external dispute resolution scheme (the Credit and Investments Ombudsman or CIO) and from our clients.
Where we collect the information from parties other than yourself, we will take reasonable steps to ensure you are made aware of how to contact us to access the information, how and why we collected the information and what we will do with it.
We exchange your credit information with the following credit reporting agencies in Australia:
- Experian
- Equifax
- Dun & Bradstreet
The contact details for these agencies are as follows:
Experian - www.experian.com.au
Level 6
549 St Kilda Road Melbourne VIC 3004
T: (61) 3 8699 0100
Equifax – www.equifax.com.au
Level 15/100 Arthur St, North Sydney NSW 2060
T: 1300 921 621
Email: [javascript protected email address]
Dun & Bradstreet –www.dnb.com.au
Ground Floor,
479 St Kilda Road, Melbourne VIC 3004
Email [javascript protected email address]
T: 13 23 33 or +61 39828 3333 for international callers
We will provide you with at least 14 days notice in writing if we intend to disclose default information about you to any or all of the credit reporting agencies above.
Use and disclosure of information
We will limit our use of your credit information to the performance of our debt collection activities and in fulfilling our legal obligations.
We only disclose your credit information with your express or implied consent, or where we are entitled or required to do so by law. The types of third parties we may disclose your credit information to in the performance of our debt collection activities include:
- our clients;
- credit reporting agencies;
- our legal advisors;
- your authorised agents, including your legal and financial advisors; and
- service providers where we outsource functions such as process serving, repossession, mailing houses and mercantile agents.
These organisations are limited in their use of your credit information to the purposes of those debt collection activities only.
We may also sometimes need to send your credit information to an organisation in another country for the purpose of assisting us with the performance of our debt collection activities.
We will only transfer your credit information to another country in accordance with the law.
Information quality and security
If we have accurate information about you, it enables us to provide you with the best possible service.
We take all reasonable steps to ensure that your credit information is accurate, complete and up to date. Please contact us if you believe the credit information we hold about you is not accurate, complete or up-to-date. You can find details on how to contact us in the “Contacting Us” section below.
We will protect the credit information we hold about you from misuse or loss, unauthorised access, modification or disclosure. We have a range of physical, electronic and procedural safeguards to protect the credit information we hold.
Please see our Privacy Policy for information on how we store and protect your credit information.
Access to and correction of credit information
You may request access to and correction of your credit information that we hold about you. All requests for information must be in writing. Information on how to contact us can be found in the “Contacting Us” section below.
We will need to verify your identify before giving you access to your credit information. If we are satisfied that the credit information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take all reasonable steps to correct the information:
- within 30 days of the date that you made the request; or
- such longer period as we agree with you in writing.
We do not charge you a fee to provide you with or correct your credit information.
In certain circumstances, we are permitted by the Acts to deny requests for access, or limit the access we provide. If we refuse or limit your access to your credit information, we will provide you with an explanation.
If we identify that your credit information that we hold is inaccurate, out-of-date, incomplete, irrelevant or misleading and make corrections to this information, we will ensure, if necessary, that any third party, including a credit reporting agency, that may hold this information is provided written notice of the need to make corrections.
Correction of information
We take reasonable steps to ensure that all credit information we hold about you is accurate, complete and up to date. You may ask us at any time to correct credit information held by us about you, which you believe is incorrect or out of date. Information on how to contact us can be found in the “Contacting Us” in section below.
If we disagree as to the accuracy of the information, you may request that we attach a statement to that information noting that you consider it is not accurate, complete or up to date.
Contacting us
If you have any questions, concerns or complaints about our Credit Information Management Policy or you wish to request access to or correction of any of your credit information that we hold about you, please contact us on the contact details below:
Privacy Officer
Baycorp (Aust) Pty Limited
Locked Bag 5031
Parramatta NSW 2124
Telephone number: 1300 305 087
Email: [javascript protected email address]