UCFS Group Pty Ltd
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Privacy Policy
Privacy Policy
1. Our Commitment to Privacy
At UCFS Group Pty Ltd ("we", "our", or "us"), we are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy explains how we collect, use, disclose, store and protect your personal information when you interact with us through our website, by telephone, email, post, or in the course of providing debt collection and related services.
By using our website or providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy.
2. Who We Are
Company Name: UCFS Group Pty Ltd
ABN: 99 136 959 567
Address: PO Box 607 North Sydney NSW 2060
Telephone: 02 7908 7002
Email: privacy@ucfsgroup.com.au
3. What Personal Information We Collect
Depending on the nature of our relationship with you, we may collect personal information including:
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Full name
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Residential or postal address
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Email address
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Telephone numbers
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Date of birth (where required)
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Identification details
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Employment information
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Financial information relevant to a debt
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Payment history
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Bank account details where payments are made
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Records of communications with us
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Website usage information
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IP address and browser information
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Any other information required to provide our services or comply with legal obligations.
4. How We Collect Personal Information
We collect personal information directly from you when you:
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Contact us
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Complete an online enquiry form
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Make a payment
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Submit documents
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Apply for employment
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Communicate by telephone or email
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Use our website.
We may also collect information from:
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Our clients
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Credit providers
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Government agencies
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Public registers
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Credit reporting bodies (where authorised)
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Legal representatives
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Skip tracing and location service providers
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Other third parties where permitted by law.
5. Why We Collect Your Information
We collect, hold and use personal information to:
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Verify your identity
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Locate individuals where legally permitted
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Administer debt collection services
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Process payments
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Respond to enquiries
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Resolve complaints
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Meet legal and regulatory obligations
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Prevent fraud
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Maintain accurate records
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Improve our services
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Manage employment applications
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Protect our legal rights.
6. Disclosure of Personal Information
We may disclose personal information where necessary to:
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Our clients
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Legal advisers
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Courts and tribunals
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Government agencies
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Regulators
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Credit reporting bodies (where permitted)
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Financial institutions
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Payment service providers
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IT service providers
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Professional advisers
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External auditors
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Contractors acting on our behalf.
We will not sell your personal information.
7. Overseas Disclosure
Where practical, your personal information is stored within Australia.
If information is disclosed to service providers located overseas, we will take reasonable steps to ensure your information receives protection consistent with Australian privacy laws.
8. Website Information
When you visit our website, we may automatically collect:
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IP address
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Browser type
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Device information
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Pages visited
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Date and time of access
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Referring website
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Session information.
This information assists us to maintain website security and improve user experience.
9. Cookies
Our website may use cookies to:
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Improve website performance
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Remember user preferences
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Analyse website traffic
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Maintain website security.
You may disable cookies through your browser settings, although some website functionality may be affected.
10. Security of Personal Information
We take reasonable steps to protect personal information from:
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Misuse
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Interference
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Loss
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Unauthorised access
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Modification
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Disclosure.
Security measures include:
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Secure IT systems
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Firewalls
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Encryption where appropriate
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Restricted staff access
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Password protection
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Secure document storage
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Staff confidentiality obligations.
11. Data Retention
We retain personal information only for as long as necessary to:
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Provide our services
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Meet legal obligations
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Resolve disputes
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Enforce agreements
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Comply with regulatory requirements.
When information is no longer required, it is securely destroyed or permanently de-identified.
12. Access to Your Information
You may request access to personal information we hold about you.
Requests should be submitted in writing to our Privacy Officer.
We will respond within a reasonable timeframe.
Access may be refused where permitted by Australian law.
13. Correction of Personal Information
If you believe personal information we hold is inaccurate, incomplete or out of date, you may request that it be corrected.
We will investigate your request and update our records where appropriate.
14. Privacy Complaints
If you have concerns regarding the handling of your personal information, please contact our Privacy Officer.
Privacy Officer
Email: privacy@ucfsgroup.com.au
Telephone: 02 7908 7002
Postal Address: PO Box 607 North Sydney NSW 2060
We aim to acknowledge complaints promptly and investigate them fairly.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
15. Third-Party Websites
Our website may contain links to external websites.
We are not responsible for the privacy practices or content of third-party websites.
Users should review the privacy policies of those websites before providing personal information.
16. Children's Privacy
Our services are not intended for individuals under the age of 18 years.
We do not knowingly collect personal information from children.
17. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legislation, business practices or operational requirements.
The latest version will always be available on our website.
18. Contact Us
UCFS Group Pty Ltd
Address: PO Box 607 North Sydney NSW 2060
Telephone: 02 7908 7002
Email: privacy@ucfsgroup.com.au
Website: www.ucfsgroup.com.au/privacy
Legislative References
This Privacy Policy has been prepared having regard to:
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Privacy Act 1988 (Cth)
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Australian Privacy Principles (APPs)
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Notifiable Data Breaches Scheme
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Spam Act 2003 (Cth) (where applicable)
Have we reached out to you regarding an account that we've taken over? If so, please let us assist you by choosing one of the options below.
The Importance of Avoiding or having a Credit Default status of paid
We advocate for our partners to allow us to assume complete responsibility of accounts before it negatively impacts your future credit opportunities.
Our ultimate goal is to support individuals in the repayment of debt and minimise the impact on their long-term creditworthiness.
A credit default can have serious consequences for an individual's financial future, affecting everything from loan approvals to interest rates. Understanding the importance of avoiding a credit default, or addressing one promptly, is crucial for maintaining good financial health.
Here’s why taking proactive steps is essential:
We recognize that life can be unpredictable, and changes in circumstances can affect our ability to meet financial obligations. The worst thing you can do in these situations is to ignore them. At UCFS, we advocate for our partners to allow us to take over accounts before a credit default is lodged. While this may not always be possible, it is our goal.
This proactive approach puts us in a unique position to assist you in escaping a situation that may be beyond your control. Making contact demonstrates our clients' commitment to regaining control of their finances. All we ask is for our clients to communicate openly with us about their individual situations. We can establish a minimal weekly payment amount to alleviate unnecessary financial pressure and stress.
We don’t require extensive documentation or proof of your circumstances, as we understand that can add to the existing stress. If you find yourself unable to make any payments for a period, we can discuss alternative options, such as extending your time to pay rather than setting up a repayment plan. We're here to help you avoid a credit default and guide you toward financial well-being, reducing the stress that comes from having debt. If you can’t pay, please reach out to us and we’ll assist you.