Privacy Policy

MyDebtDiaries.com (“MyDebtDiaries”, “we”, “our” or “us”) respects your privacy. This Privacy Policy explains how we collect, hold, use and disclose personal information when you use our website, quizzes, forms, advertisements and related online services (collectively, the “Service”).

Our Service is primarily intended for people located in Australia. We seek to handle personal information consistently with the Privacy Act 1988 (Cth), the Australian Privacy Principles (“APPs”) and other applicable Australian laws, including the Spam Act 2003 (Cth), to the extent those laws apply to us.

1. Personal Information We Collect

The personal information we collect depends on how you use the Service and may include:

• Your name, email address, telephone number and other contact details.
• Your State or Territory, postcode, age range, residency status and preferred contact method.
• Responses submitted through a quiz, questionnaire, enquiry or eligibility form.
• General financial information, such as estimated unsecured debt, number and types of creditors, income range, employment status, household or housing status and ability to make repayments.
• Information about current financial hardship, debt-management arrangements, bankruptcy or a Part IX debt agreement.
• Your communications with us and your choices regarding telephone calls, SMS messages and emails.

Please do not submit passwords, banking login details, tax file numbers, full payment-card information or identity documents unless we specifically request them through an appropriate secure process.

We may also automatically collect technical and usage information, such as your IP address, browser and device type, operating system, referring page, pages viewed, approximate location and interactions with the Service. This information may be collected through cookies, tracking pixels, tags, analytics tools and similar technologies.

2. How We Collect Personal Information

We generally collect personal information directly from you when you complete a form, use an eligibility questionnaire, contact us, interact with an advertisement or consent to be contacted.

We may also receive information from advertising platforms, analytics providers, referral partners, service providers or other third parties where you have authorised the disclosure or where collection is otherwise permitted by law.

Where lawful and practicable, you may interact with general website content without identifying yourself. However, we may be unable to assess or respond to an enquiry if you do not provide the information reasonably required for that purpose.

3. Why We Collect and Use Personal Information

We may collect, hold and use personal information to:

• Operate, maintain, secure and improve the Service.
• Review your responses and assess whether you may be suitable for information or services offered by an independent third-party provider.
• Refer or connect you with an independent Australian provider that may discuss debt, financial-hardship or related options with you.
• Confirm your enquiry, verify submitted information and respond to questions or requests.
• Contact you by telephone, SMS or email where you have consented or where otherwise permitted by law.
• Measure website and advertising performance, improve our campaigns and understand how people use the Service.
• Detect and prevent fraud, spam, misuse, security incidents and unlawful activity.
• Maintain consent, referral, compliance and business records.
• Comply with legal, regulatory, contractual and dispute-resolution obligations.

4. Disclosure to Referral Partners and Service Providers

If you submit an enquiry or eligibility form, we may disclose relevant personal information to one or more independent third-party providers that may be able to assist you. Depending on your circumstances, these recipients may include debt-service providers, registered debt agreement administrators, financial-service providers, credit or hardship specialists, financial counsellors, insolvency professionals or other relevant organisations.

We may also disclose personal information to providers that support our operations, including website hosting, cloud storage, customer relationship management, form processing, communications, call handling, analytics, advertising, fraud prevention, information technology, security and professional advisory services.

We may disclose information:

• with your consent or at your direction;
• where reasonably necessary to provide the Service or process your enquiry;
• as part of a merger, acquisition, financing, reorganisation, sale of assets or similar business transaction; or
• where required or authorised by law, a court or tribunal order, or a lawful government request, or where reasonably necessary to protect rights, safety, property or security.

5. Consent and Direct Marketing

By voluntarily submitting information through the Service, you consent to its collection, use and disclosure for the purposes described in this Privacy Policy and any collection notice or consent wording displayed when you submit the information.

Where you expressly consent, MyDebtDiaries and selected referral partners may contact you about your enquiry or relevant services by telephone, SMS or email. Your consent may cover contact using the details you provide, including through automated communication systems where permitted by law.

You may withdraw marketing consent at any time by:

• using the unsubscribe link in an email;
• replying “STOP” to an applicable SMS message;
• telling the caller that you do not wish to receive further marketing calls; or
• emailing info@mydebtdiaries.com.

We will process unsubscribe requests as required by applicable law. Withdrawal of consent does not affect handling that occurred before the withdrawal and may limit our ability to process or respond to your enquiry. Message and data charges may apply to SMS messages.

6. Cookies, Analytics and Online Advertising

We may use cookies, pixels, tags, local storage and similar technologies to operate the Service, remember preferences, understand website usage, measure advertising performance, prevent abuse and improve content and marketing.

Third-party analytics and advertising platforms may collect or receive information about your device and interactions with the Service in accordance with their own privacy policies. This may be used to measure campaigns, create audiences, limit repeated advertising or show advertisements that may be more relevant to you.

You can control many cookies through your browser or device settings. Blocking some technologies may affect the availability or operation of certain features.

7. Overseas Storage and Disclosure

Some of our service providers, technology platforms or related operations may be located outside Australia. As a result, personal information may be stored, processed or disclosed overseas, including in Canada, the United States and other countries in which our hosting, communications, analytics, advertising, customer-management or referral providers operate.

Where the Australian Privacy Principles apply, we will take reasonable steps in the circumstances to ensure an overseas recipient handles personal information consistently with those principles, unless an exception applies. Privacy protections and lawful-access rules in another country may differ from those in Australia.

8. Data Quality, Security and Retention

We take reasonable steps to keep personal information accurate, complete and up to date, having regard to the purposes for which it is used or disclosed.

We use reasonable administrative, technical and organisational safeguards designed to protect personal information against misuse, interference, loss and unauthorised access, modification or disclosure. No internet transmission or electronic storage method can be guaranteed to be completely secure.

Where the Notifiable Data Breaches scheme applies, we will assess suspected eligible data breaches and notify affected individuals and the Office of the Australian Information Commissioner (“OAIC”) where legally required.

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to process enquiries, maintain consent and referral records, resolve disputes, prevent fraud and satisfy legal, regulatory or contractual obligations. When information is no longer required, we may securely destroy or de-identify it.

9. Access, Correction and Privacy Choices

Subject to applicable law, you may ask us to:

• provide access to personal information we hold about you;
• correct information that is inaccurate, out of date, incomplete, irrelevant or misleading;
• withdraw consent where our handling is based on consent;
• stop sending direct-marketing communications; or
• delete information where appropriate and legally permitted.

We may need to verify your identity before completing a request. We will respond within a reasonable period and, where required, explain any lawful reason for refusing access or correction. We generally do not charge for making a request, although we may charge a reasonable amount for providing access where permitted by law and notified in advance.

10. Privacy Complaints

If you believe we have mishandled your personal information, please email info@mydebtdiaries.com with details of your concern. We will acknowledge and investigate the complaint and aim to respond within a reasonable period.

If the Privacy Act applies to the matter and you are not satisfied with our response, you may be able to lodge a complaint with the Office of the Australian Information Commissioner.

11. Third-Party Websites and Providers

The Service may contain links to or facilitate contact with websites and services operated by third parties. We do not control those third parties and are not responsible for their content, advice, security, eligibility decisions or privacy practices. You should review the privacy policy and terms of each third party before providing further personal information or accepting a service.

12. Children’s Privacy

The Service is intended for people aged 18 years and older. We do not knowingly collect personal information from children. If you believe a person under 18 has submitted personal information, please contact us so we can review and delete it where appropriate.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, technology or legal obligations. The updated version will be posted on this page with a revised “Last updated” date. Where appropriate, we may also provide notice of material changes through the Service.

14. Contact Us

For privacy questions, complaints, access or correction requests, or to withdraw consent, contact: