Privacy Policy

Effective Date: 19.9.2025

Entity: MCRH Pty Ltd (ABN 89 677 410 909) trading as Edit Credit (“Edit Credit”, “we”,
“our”, “us”)

1. Introduction
At Edit Credit, your privacy matters to us. We are committed to protecting the personal
information you share with us, in line with the Privacy Act 1988 (Cth) and the Australian
Privacy Principles (APPs).
This Privacy Policy explains:
- what personal information we collect,
- how we use and store it,
- who we may share it with, and
- your rights to access and correct your information.
By using our website, products or services, you agree to the terms of this Privacy Policy.

2. What information we collect
We may collect personal information directly from you, from third parties, or from publicly
available sources. This can include:
- Identity details: name, date of birth, gender, driver’s licence, passport, Medicare number.
- Contact details: address, phone number, email.
- Financial information: income, expenses, assets, liabilities, credit history, bank statements,
tax returns, credit reports.
- Sensitive information: with your consent, we may collect hardship or health-related details
where relevant to your financial situation.
- Online information: IP address, browser type, cookies, website usage statistics.

3. Why we collect your information
We only collect, use and disclose your personal information where it is reasonably
necessary for our business activities, including:
- providing credit repair and related services,
- assessing your eligibility for certain services or products,
- dealing with credit reporting bodies and lenders on your behalf,
- complying with our legal and regulatory obligations,
- improving our website, communications and client experience, and
- marketing our services (you may opt out at any time).

4. How we collect your information

We may collect your information through:
- forms and applications you complete,
- phone, email, SMS, or online chat,
- meetings (in person or virtual),
- third parties such as credit reporting bodies, lenders, or brokers (with your consent), and
- our website, including cookies and analytics tools.

5. Disclosure of your information
We may disclose your information to:
- lenders, credit reporting bodies, and other financial institutions,
- our business partners, contractors and service providers (IT, compliance, marketing, data
storage),
- regulators such as ASIC, AFCA, or the OAIC where required by law,
- your authorised representatives, and
- third parties you consent to.
Some of our service providers may be located overseas. If so, we will take reasonable steps
to ensure they comply with Australian privacy standards.

6. Security of your information
We take reasonable steps to protect your information from misuse, interference, loss,
unauthorised access, modification, or disclosure. This includes secure systems, encryption,
access controls, and staff training.
When information is no longer required, we take reasonable steps to destroy or de-identify
it in line with legal obligations.

7. Access and correction
You can request access to your personal information or ask us to correct it if it is inaccurate,
out of date, incomplete, irrelevant, or misleading.
Requests can be made by contacting us (see Section 10). We will respond within a
reasonable timeframe, usually 30 days.

8. Credit information
Because we provide credit repair services, we may collect, use and disclose information
from your credit report. This may include repayment history, defaults, credit enquiries, and
court judgments.
We only use this information:
- to liaise with credit providers and reporting bodies on your behalf,
- to help correct or remove incorrect listings, and
- to provide you with advice and services.

We comply with Part IIIA of the Privacy Act and the Credit Reporting Privacy Code.

9. Complaints
If you have a privacy complaint, please contact us first. We will work with you to resolve the
issue quickly.
If you are not satisfied, you may contact:
- Office of the Australian Information Commissioner (OAIC) – www.oaic.gov.au
- Australian Financial Complaints Authority (AFCA) – www.afca.org.au

10. Contact us
For privacy questions, requests or complaints, please contact us:

MCRH Pty Ltd (ABN [89 677 410 909)
Email: compliance@editcredit.com.au
Address: PO Box 612, Albany Creek Qld 4035

11. Updates to this policy
We may update this Privacy Policy from time to time. The latest version will always be
available on our website.