BRADLEY DEBT MANAGEMENT PRIVACY POLICY
Last Updated: 22 October 2026
1. Our Commitment to Privacy
BRADLEY DEBT MANAGEMENT ("BDM") is committed to protecting personal privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). As a debt collection provider, we also ensure our information-handling processes comply strictly with the joint ACCC and ASIC Debt Collection Guidelines.
2. The Personal Information We Collect
To perform lawful debt recovery services we collect personal and financial information. This may include:
Identity and Contact Data: Full name, residential address, previous addresses, date of birth, telephone numbers, and email addresses.
Financial and Debt Data: Total outstanding balances, transaction histories, credit account details, repayment details, and employment or income data.
Public and Regulatory Data: Information sourced from public registers, bankruptcy records, or corporate directories.
Interaction History: Dates and times of contact.
3. How We Collect Personal Information
We collect information through lawful and fair means. This occurs via:
Creditors and Clients: Third-party businesses or original credit providers who refer an account to us for collection.
Direct Interaction: Correspondence, telephone calls, web forms, and electronic messages directly from you.
Legitimate Public Sources: Public records, court directories, or licensed data providers
4. Why We Use and Disclose Personal Information
We use your information strictly for the primary purpose of debt collection and managing credit accounts. This includes:
Verifying identity before discussing any account details to ensure data security.
Contacting individuals regarding overdue payments within legally permissible times.
Negotiating repayment plans and processing payments.
Third-Party Disclosure Protections:
In strict compliance with consumer law and privacy guidelines, we will never disclose the existence or details of a debt to unauthorised third parties (including family members, employers, colleagues, or neighbours) without explicit, documented consent or a legal requirement.
5. Automated Decision-Making
We do not use automated computer software or predictive algorithms to make legally significant decisions regarding your account or payment arrangements without direct human review.
6. Data Security and Storage
We protect your information through strict administrative and digital security measures:
Electronic data is stored securely on servers located within Australia.
We use password protection, access logging, and encrypted databases to prevent unauthorised modifications or data leaks.
Data that is no longer legally or operationally required is securely destroyed or de-identified.
7. Overseas Data Disclosures
We do not disclose personal information offshore.
8. Accessing and Correcting Your Information
You have a right under APP 12 and 13 to request access to the personal information we hold about you or to ask us to correct inaccuracies. If you challenge an identity detail or file error, we will halt collections activity where necessary to verify the documentation.
Requests can be made using our contact details in Section 10.
9. Privacy Complaints and Escalation
If you believe we have breached your privacy rights, please contact our internal Privacy Officer below. We will investigate and respond to your complaint within 30 days.
If you are unsatisfied with our response, you have the right to escalate the matter to the regulator:
Office of the Australian Information Commissioner (OAIC)
GPO Box 5218, Sydney NSW 2001
Website: www.oaic.gov.au [1]
10. Contact Us
For any privacy enquiries, contact our office at:
Privacy Officer: Peter Bradley
Email: peter@debtbdm.com.au
Postal Address: PO Box 1101 Williamstown Victoria 3016