Privacy Policy

Last updated: 6 July 2026

1. Who We Are

Perfect Score Pty Ltd (ACN 615 704 633) ("Perfect Score", "we", "us", "our") provides financial education and credit file improvement services.

We are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs), and by the obligations relating to credit reporting information under Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code.

2. What Personal Information We Collect

We collect personal information that is reasonably necessary to provide our services.

Personal information:

• Full name
• Date of birth
• Address history
• Contact details (email and phone)
• Employment and financial information

Credit-related information:

• Credit reports and credit scores
• Default listings and repayment history
• Credit accounts and liabilities
• Correspondence with credit providers

Sensitive information (where relevant):

• Financial hardship information
• Health or personal circumstances, where directly relevant to a dispute

We only collect sensitive information with your consent, and only where it is reasonably necessary for our services.

3. How We Collect Your Information

We collect information:

• Directly from you, by phone, email, SMS, forms and agreements
• Through our website, including enquiry forms and tracking technologies
• From credit reporting bodies (Equifax and Experian)
• From credit providers, debt collectors and government agencies
• From third parties you have authorised

By engaging our services, you authorise us to collect, use and disclose your information where necessary to provide those services.

4. Why We Collect, Use and Hold Your Information

We collect and use your personal information to:

• Provide financial education and credit file improvement services
• Obtain and review your credit file
• Investigate and dispute credit listings where there are grounds to do so
• Communicate with credit reporting bodies and credit providers where you have authorised us to do so
• Manage your account, payments and service delivery
• Comply with our legal and regulatory obligations

We do not guarantee outcomes such as the removal of defaults, as results depend on third parties and legal requirements.

5. Disclosure of Personal Information

We may disclose your personal and credit-related information to:

• Credit reporting bodies (Equifax and Experian)
• Credit providers, lenders and debt collectors
• The Australian Financial Complaints Authority (AFCA)
• Your legal representatives, our consultants and our service providers
• Government agencies, where required or authorised by law

These disclosures are necessary to carry out your instructions and provide our services. We do not sell your personal information.

6. Credit Reporting Information

We collect, use and disclose credit-related information in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code.

This includes:

• Requesting your credit file
• Assessing the accuracy of listings
• Requesting corrections to your credit information
• Communicating with credit reporting bodies and credit providers

You have the right to:

• Access your credit information
• Request corrections to inaccurate or misleading information
• Obtain a free credit report from a credit reporting body (subject to eligibility)

Only incorrect or misleading information can be removed from a credit report. Accurate information cannot be removed simply on request.

A copy of the Privacy (Credit Reporting) Code is available at oaic.gov.au. You can also ask us not to use or disclose your credit-related information for direct marketing or for pre-screening of credit offers, and we will honour that request.

7. Overseas Disclosure

Some of our third-party service providers, such as our customer relationship management (CRM) and data storage platforms, store or process data overseas, including in the United States. Where this happens, we take reasonable steps to ensure your information is handled consistently with Australian privacy law.

8. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps include:

• Secure CRM systems and databases
• Restricted staff access
• Secure document storage
• Internal policies and staff training

We keep your information only for as long as we need it to provide our services or to comply with our legal obligations.

If we experience a data breach that is likely to result in serious harm, we will respond in line with the Notifiable Data Breaches scheme under the Privacy Act, including notifying you and the Office of the Australian Information Commissioner (OAIC) where required.

9. Direct Marketing

We may use your personal information to send you service updates, educational content and relevant offers. You can opt out at any time by:

• Clicking unsubscribe in our emails
• Contacting us directly

We handle marketing communications in line with the Spam Act 2003 (Cth). We do not use your credit-related information for direct marketing without your consent.

10. Cookies and Website Data

Our website may collect technical information such as your IP address, browser type and the pages you visit. We use this information to improve website performance and our marketing. Where required, we will ask for your consent to non-essential cookies through a notice on our website. You can also manage cookies through your browser settings.

11. Access and Correction

You have the right to request access to the personal information we hold about you, and to request correction of anything that is inaccurate or incomplete. You can make a request using the contact details below. We will respond within a reasonable time, and usually within 30 days.

12. Complaints

If you believe we have breached the Privacy Act or mishandled your personal information, you can lodge a complaint with us by emailing support@perfectscore.com.au. Please include your name, contact details and a clear summary of the issue. We will investigate and respond as soon as practicable, and usually within 30 days.

If you are not satisfied with our response, you can escalate your complaint to the Office of the Australian Information Commissioner (OAIC):

OAIC | oaic.gov.au | 1300 363 992 | GPO Box 5288, Sydney NSW 2001

Where your complaint relates to a financial service, you may also be able to lodge it with the Australian Financial Complaints Authority (AFCA) at afca.org.au or on 1800 931 678.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website, with the date it was last updated shown at the top.

14. Contact Us

Perfect Score Pty Ltd ACN 615 704 633 
Australian Credit Licence 562270
2/33 Ereton Drive, Arundel QLD 4214
General enquiries: info@perfectscore.com.au
Support: support@perfectscore.com.au
Phone: 0485 980 275