UCFSA Privacy Policy

UCFS Australia Pty Ltd

Effective Date: August 2025

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UCFS Australia Pty Ltd ("UCFS", "we", "our", or "us") is committed to protecting your personal information and ensuring that your privacy is respected at all times.

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We comply with the Privacy Act 1988 (Cth) ("the Act"), the Australian Privacy Principles (APPs), the Privacy (Credit Reporting) Code 2014 (CR Code), and other applicable laws and regulations. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information, and explains your rights regarding access and correction.

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1. What Is Personal Information?

Personal information refers to information or an opinion about an individual who is either identified or reasonably identifiable, regardless of whether the information is true or recorded in material form.

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The types of personal information we collect may include:

• Name, date of birth, and contact details (e.g. address, phone number, email)

• Gender, marital status, and household details (e.g. dependents)

• Employment and occupation information

• Financial details (e.g. income, liabilities, assets, and expenses)

• Account and repayment history

• Information relating to complaints or legal proceedings

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We may also collect credit-related information, such as:

• Identification details

• Credit liability information and history

• Type and amount of credit provided

• Repayment and default information

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2. How We Collect Personal Information

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UCFS collects personal information from a variety of sources, including:

• Directly from you or your authorised representatives

• Third parties such as credit providers, credit reporting bodies, and publicly available records

• Other individuals (e.g. family or associates) with your consent

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3. Why We Collect Personal Information

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We collect personal information that is reasonably necessary to:

• Identify and communicate with you

• Respond to your enquiries and provide our services

• Establish or manage payment arrangements

• Comply with legal and regulatory obligations

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We may also collect sensitive information, such as health information, where required or authorised by law and with your explicit consent.

Your personal information is generally used only for the purpose for which it was collected (the “primary purpose”), or for related secondary purposes where permitted by law. If you choose not to provide certain information, it may delay or limit our ability to deliver services to you.

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4. Protecting Your Information

We are committed to safeguarding your personal information. It is stored in both physical and electronic formats with security measures in place, including:

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• Password-protected systems and secure servers

• Encryption of sensitive records

• Staff training on privacy and confidentiality obligations

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5. Disclosure of Personal Information

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We may disclose personal information where required or authorised by law, including to:

• Our legal and professional advisers

• Service providers (e.g. IT support, document storage, debt collection)

• Courts, tribunals, and regulatory bodies

• Your authorised representatives

• Any entity acquiring or considering acquiring an interest in your account

• Other parties with your consent

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6. Disclosure to Credit Reporting Bodies

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Where permitted by law, UCFS may disclose credit-related personal information to credit reporting bodies (CRBs), particularly if you fail to meet repayment obligations. The CRBs we may disclose to include:

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illion Australia Pty Ltd
Phone: 1300 734 806 | Email: pac.austral@illion.com.au | Web: www.illion.com.au

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Equifax
Phone: 1300 850 211 | Web: www.equifax.com.au

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Experian Australia Credit Services Pty Ltd
Phone: 1300 784 134 | Web: www.experian.com.au

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You can ask these CRBs:

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• Not to use your credit information for pre-screening direct marketing; and

• Not to use or disclose your credit information if you believe you are or may become a victim of fraud.

Each CRB has its own privacy policy which can be requested directly from them.

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7. Overseas Disclosure

If you relocate overseas, we may disclose your personal information to agents operating in your country of residence. Any such disclosure is made in accordance with the Act.

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8. Access and Correction

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You may request access to, or correction of, the personal information we hold about you by writing to us at privacy@ucfs.com.au or:

 

Privacy Officer
UCFS Australia Pty Ltd
PO Box 607, North Sydney NSW 2060

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In some cases, access may be refused in accordance with the law (e.g. where disclosure would impact the privacy of others or relate to legal proceedings). We will provide written reasons if access is denied.

Access requests are generally free, though we may charge a reasonable fee to cover administration costs in some cases. We aim to respond within 30 days.

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If you believe any information we hold about you is inaccurate or outdated, please contact us and we will take reasonable steps to correct it.

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9. Our Website and Online Activity

Our websites use cookies to enhance functionality and analyse usage. You can disable cookies via your browser settings, but this may impact website performance.

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We also use third-party tools (e.g. Google Analytics, Facebook) for advertising and website analysis. These tools may collect data about your browsing habits. For details on how to manage your preferences, visit:

• Google: www.google.com/policies/privacy/partners

• Opt-out of Google Analytics: https://tools.google.com/dlpage/gaoptout

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10. Making a Privacy Complaint

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If you believe we have breached your privacy rights under this Policy, the Privacy Act, the APPs, or the CR Code, you can lodge a complaint by contacting:

 

Privacy Officer
UCFS Australia Pty Ltd
PO Box 607, North Sydney NSW 2060
Email: privacy@ucfs.com.au

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We aim to resolve complaints as quickly as possible. If you’re not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC).

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• AFCA: www.afca.org.au | 1800 931 678

• OAIC: www.oaic.gov.au/privacy/privacy-complaints

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11. Changes to This Policy

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This Privacy Policy may be updated from time to time to reflect changes in legal obligations or business practices. The current version will always be available at www.ucfs.com.au/privacy.

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UCFS Australia Pty Ltd
ABN: 99136959567
www.ucfs.com.au