Privacy Policy

1. About This Policy

CreditLift Pty Ltd ("CreditLift", "we", "us", "our") provides professional credit repair services across Australia. We are a member of the Australian Financial Complaints Authority (AFCA) and operate in full compliance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2024.

This Privacy Policy applies to all personal information collected by CreditLift through our website, digital platforms, client portal, and in the course of providing credit repair services. By engaging our services or using our website, you consent to the collection and use of your information as described in this policy.

2. Scope of Services and Eligibility

CreditLift's credit repair services are made available exclusively to individuals who satisfy the eligibility criteria set out in this section. By submitting a consultation request, engaging our services, or providing personal information through our website or digital platforms, you represent and warrant that you meet all of the following criteria at the time of engagement and on a continuing basis.

Eligibility Criteria

To be eligible to engage CreditLift's services, a person must:

• Be aged 18 years or over
• Hold Australian Citizenship or Australian Permanent Residency status at the time of engagement
• Have been declined for a credit product or finance facility, be experiencing difficulty in servicing existing debt obligations, or have reason to believe that information held on their credit file may be inaccurate, incomplete, or unlawfully recorded
• Derive a regular income, or be the partner or spouse of a person who derives a regular income, sufficient to demonstrate capacity to engage professional services
• Have an active Australian credit file held with one or more of the recognised Australian credit reporting bodies — Equifax, illion, or Experian
• Have a genuine need to access credit or finance, including but not limited to a home loan, personal loan, vehicle finance, business finance, or credit card
• Have the legal capacity to enter into a binding agreement under Australian law and to provide informed consent
• Be capable of providing valid identification and consenting to a credit file review in accordance with the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2024
• Not be an undischarged bankrupt at the time of engagement, unless otherwise agreed in writing with CreditLift
• Not be subject to a court order, guardianship arrangement, or other legal restriction that would limit their ability to enter into a services agreement

Important Limitations

CreditLift does not provide financial advice, credit advice, or credit assistance within the meaning of the National Consumer Credit Protection Act 2009 (Cth). Our services are limited to credit repair, being the identification, investigation, and dispute of credit information held by credit reporting bodies that may be inaccurate, incomplete, out of date, or otherwise in breach of the Privacy Act 1988 (Cth) or the Privacy (Credit Reporting) Code 2024.

Satisfaction of the eligibility criteria above does not constitute a guarantee that CreditLift will accept an engagement or that any particular outcome will be achieved. CreditLift reserves the right to decline to provide services at its absolute discretion, including where it determines that the services are unlikely to be of benefit to the prospective client.

3. Information We Collect

We collect personal information that is necessary to provide our credit repair services and to comply with our legal obligations. The types of information we may collect include:

• Full name, date of birth, and residential address
• Contact details including email address and phone number
• Government-issued identification documents (where required for identity verification)
• Credit file information obtained from Australian credit reporting bodies including Equifax, illion, and Experian
• Financial information relevant to your credit repair matter
• Information about your dealings with creditors and credit providers
• Communications between you and our Credit Repair Consultants

Website and Digital Collection

When you visit our website, we may also collect non-personal information including your IP address, browser type, pages visited, and time spent on our site. This information is used for analytics and to improve your experience.

4. How We Use Your Information

We use your personal information only for the purposes for which it was collected or as otherwise permitted by law. These purposes include:

• Providing credit repair services and managing your case
• Communicating with credit reporting bodies and creditors on your behalf
• Verifying your identity in accordance with our compliance obligations
• Complying with our obligations as a member of AFCA
• Meeting our regulatory obligations under ASIC and applicable Australian law
• Improving our services and website
• Sending you relevant service communications (you may opt out at any time)

We will not use your personal information for direct marketing without your consent, and we will never sell your personal information to third parties.

5. Credit Reporting Information

As a credit repair service, we handle credit-related personal information on your behalf. This is governed by both the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2024.

What is credit reporting information?

Credit reporting information includes information held about you by credit reporting bodies such as Equifax, illion, and Experian. This may include your repayment history, defaults, credit enquiries, court judgements, and personal insolvency information.

How we handle it

• We only access your credit reporting information with your express consent
• We use this information solely for the purpose of providing credit repair services
• We may disclose this information to credit reporting bodies and credit providers when lodging formal disputes on your behalf
• We comply fully with the Privacy (Credit Reporting) Code 2024 in all handling of credit reporting information

6. Disclosure of Your Information

We may disclose your personal information to the following parties where necessary to provide our services:

• Credit reporting bodies — Equifax, illion, and Experian, for the purpose of disputing or correcting listings on your behalf
• Credit providers and creditors — when formally disputing listings or negotiating corrections
• AFCA — if a complaint is lodged or escalated through the external dispute resolution process
• ASIC — if required by law or regulation
• Our service providers — including IT, data storage, and professional advisors who are bound by confidentiality obligations
• Law enforcement or government bodies — where required or authorised by Australian law

We do not disclose your information to overseas entities unless required by law or with your explicit consent.

7. Digital Platforms, Cookies & Third-Party Services

Our website and digital services use a range of third-party tools to operate and improve our platform. By using our website, you acknowledge the use of the following:

Google Services

We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as how often users visit the site, what pages they visit, and what other sites they used prior to arriving. We use this information to improve our website. Google's use of this data is governed by Google's Privacy Policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

We may also use Google Ads to promote our services. Google may use cookies to serve ads based on your prior visits to our website. You can opt out of personalised advertising by visiting Google's Ad Settings.

Meta (Facebook & Instagram)

We may use Meta Pixel on our website to measure the effectiveness of our advertising and to deliver relevant ads to people who have visited our site. Meta's collection and use of information is governed by Meta's Privacy Policy. You can manage your ad preferences through your Meta Ad Preferences.

Cookies

Our website uses cookies — small text files stored on your device — to improve your browsing experience, remember your preferences, and help us understand how our site is used. You can control cookies through your browser settings. Disabling cookies may affect the functionality of some parts of our website.

Client Portal

Our Client Portal is a secure platform for managing your credit repair matter. Information entered into the portal is encrypted and stored securely. We do not share portal data with third-party advertising platforms.

8. Security of Your Information

CreditLift takes the security of your personal information seriously. We implement appropriate technical and organisational measures to protect your information against unauthorised access, loss, misuse, or disclosure.

• All data is stored on secure, encrypted servers located in Australia
• Access to personal information is restricted to authorised staff only
• Our Client Portal uses SSL encryption for all data transmission
• We conduct regular security assessments of our systems and processes

While we take all reasonable steps to protect your information, no method of transmission over the internet is completely secure. If you become aware of any security breach, please contact us immediately at contact@creditlift.com.au.

9. Accessing and Correcting Your Information

Under the Privacy Act 1988, you have the right to access the personal information we hold about you and to request corrections if it is inaccurate, incomplete, or out of date.

To request access or correction, please contact us in writing at contact@creditlift.com.au. We will respond to your request within 30 days. In some circumstances we may charge a reasonable fee for providing access, and we will notify you of any such fee in advance.

We may decline access in certain circumstances permitted by the Privacy Act 1988, such as where providing access would pose a serious threat to the safety of another person. Where we decline, we will provide reasons in writing.

10. Privacy Complaints

If you believe we have breached your privacy or mishandled your personal information, we encourage you to contact us directly in the first instance. We take all privacy complaints seriously and will respond within 30 days.

For complaints relating to our credit repair services or our conduct as an AFCA member, you may also contact AFCA at www.afca.org.au or by calling 1800 931 678.

For matters relating to our obligations under ASIC, you may contact ASIC at www.asic.gov.au.

11. Contact Us

For all privacy-related enquiries, access requests, or complaints, please contact our Privacy Officer:

This Privacy Policy was last updated in March 2026. We reserve the right to update this policy from time to time. Any changes will be published on this page with an updated effective date. We encourage you to review this policy periodically.

12. No Guarantee of Outcome

CreditLift operates as a professional credit repair service and applies its best endeavours to identify, investigate, and dispute credit information that may be inaccurate, incomplete, out of date, or recorded in breach of the Privacy Act 1988 or the Privacy (Credit Reporting) Code 2024. However, by engaging CreditLift's services, you acknowledge and agree to the following:

• CreditLift cannot guarantee that all adverse credit listings, defaults, enquiries, or other negative notations will be removed from your credit file
• CreditLift will use its best endeavours to ensure that information held on your credit file is accurate, complete, and lawfully recorded, but outcomes are subject to the decisions of credit reporting bodies and credit providers
• The success of any dispute or correction request depends on the individual circumstances of each listing and the applicable legislative framework at the time of lodgement
• You retain the right to dispute information on your credit file directly with the relevant credit reporting body at no cost, without engaging CreditLift
• Any credit file information that is accurate, complete, and lawfully recorded cannot be removed, regardless of its impact on your credit score or borrowing capacity

CreditLift will provide you with an honest assessment of your matter at the outset of the engagement. We will not accept an engagement where we believe there are no reasonable grounds for a dispute.

13. Limitation of Liability

To the maximum extent permitted by applicable Australian law, CreditLift and its officers, directors, employees, consultants, and agents shall not be liable for any loss or damage, whether direct, indirect, incidental, consequential, or otherwise, arising out of or in connection with:

• The use of, or inability to use, CreditLift's website or digital platforms
• Any reliance placed on content, information, or materials provided through CreditLift's website, which are provided for general informational purposes only and do not constitute financial, legal, or credit advice
• Any outcome or result of credit repair services, including where a dispute is unsuccessful or where a credit listing is not removed
• Any decision made by a credit reporting body or credit provider in response to a dispute lodged by CreditLift on your behalf
• Any third-party website linked from CreditLift's website, including their content, availability, or accuracy

Nothing in this policy limits any rights you may have under the Australian Consumer Law or other non-excludable statutory rights.

14. Cooling Off Period

In accordance with applicable Australian consumer protection legislation, clients who engage CreditLift's paid services are entitled to a seven (7) day cooling off period commencing from the date of signing the services agreement, provided that CreditLift has not yet commenced work on the engagement.

For the avoidance of doubt, the cooling off period will not apply where CreditLift has already commenced substantive work on your matter, including but not limited to accessing your credit file, preparing dispute documentation, or lodging any formal correspondence with a credit reporting body or credit provider on your behalf. In such circumstances, the engagement will be considered active and the cooling off period will be deemed to have been waived.

To exercise your right to withdraw during the cooling off period, you must notify CreditLift in writing at contact@creditlift.com.au prior to the commencement of any work. Full details of the cooling off period and conditions are set out in CreditLift's Terms and Conditions, which will be provided to you upon commencement of a services engagement.

15. Data Retention

CreditLift retains your personal information for as long as is necessary to provide our services and to comply with our legal and regulatory obligations. In general terms:

• Client records are retained for a minimum of seven (7) years following the conclusion of an engagement, in accordance with applicable Australian regulatory requirements
• Records relating to credit reporting disputes are retained in accordance with the timeframes prescribed under the Privacy (Credit Reporting) Code 2024
• Website analytics and digital data are retained for a period consistent with the data retention policies of the relevant third-party platforms, including Google and Meta

Following the expiry of the applicable retention period, personal information will be securely destroyed or de-identified in accordance with the Privacy Act 1988.

16. Consent to Credit File Access

By engaging CreditLift's services, you provide CreditLift with your express authority to access your consumer credit information held by Australian credit reporting bodies — including Equifax, illion, and Experian — on your behalf. This authority applies for the purpose of reviewing, disputing, and seeking correction of information on your credit file in connection with your engagement with CreditLift.

When CreditLift accesses your credit file on your behalf for the purpose of credit repair, this access will not appear as a credit enquiry to lenders.

17. Marketing Communications

By providing your contact details to CreditLift, you consent to receiving service-related communications from us. We may from time to time send you information about our services, updates, or relevant credit file guidance.

You may opt out of marketing communications at any time by contacting us at contact@creditlift.com.au. Please include your full name and preferred contact details in your request. We will endeavour to process your request promptly. Opting out of marketing communications will not affect your receipt of service-related communications necessary to the delivery of your engagement.

18. Intellectual Property

All content on CreditLift's website, including but not limited to text, graphics, logos, and digital assets, is the property of CreditLift Pty Ltd and is protected under Australian copyright law and applicable international conventions. You may access and print a single copy of website content for your personal, non-commercial use only.

You may not copy, modify, distribute, republish, or upload any content from CreditLift's website without our prior written consent. No intellectual property rights are transferred to you through your use of this website. CreditLift reserves the right to modify or remove website content at any time without notice.

19. Broker Authority and Third-Party Referrals

Where a client has been referred to CreditLift by a mortgage broker, finance broker, financial adviser, or other third-party referral partner ("Referring Party"), the following terms apply in addition to the general terms of this policy.

Authority to Disclose

By engaging CreditLift's services through or alongside a Referring Party, you provide CreditLift with an irrevocable authority to engage in full and frank disclosure with your nominated Referring Party in connection with your credit repair matter. This authority includes CreditLift's right to:

• Share updates on the progress of your matter with your nominated Referring Party via CreditLift's client portal or other secure communication methods
• Request information from your Referring Party that is reasonably necessary to assess or progress your credit repair matter
• Provide your Referring Party with information about the outcome of disputes or corrections lodged on your behalf, where that information is relevant to their assessment of your finance application

Referring Party Obligations

Where a Referring Party engages with CreditLift in connection with a mutual client, the Referring Party warrants that they have obtained the client's prior informed consent to share information with CreditLift and to receive updates from CreditLift in relation to the client's credit repair matter. CreditLift accepts no liability for any breach by a Referring Party of their obligations to their client under applicable Australian privacy or financial services law.

Independence

CreditLift operates independently of all Referring Parties. A referral arrangement does not create any agency, partnership, or joint venture between CreditLift and a Referring Party, and CreditLift's obligations are solely to the client in respect of the credit repair services provided.

20. Governing Law

This Privacy Policy and all matters arising from it are governed by the laws of the State of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and any courts competent to hear appeals from those courts.