Privacy and Disclosure Statement IRS Group complies with the Privacy Act 1988 (Cth) ("Privacy Act") as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (Cth)("Amendment Act") and has adopted a set of principles in its policy which is consistent with the Australian Privacy Principles as amended in March 2014 (APPs)

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Your Privacy

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At IRS Group, we are committed to protecting your privacy. We use the information we collect about you to maximize the services that we provide to you or the assessment in the cases we are managing. International Recovery Solutions Pty Ltd respects the privacy and confidentiality of the information provided by you and adheres to the National Privacy Principles.

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If debt/case related these Principles require us to:

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1. Only collect personal information about you that is necessary for the recovery of debt; service of documents; Locations services; Repossession services; accounts receivable; financial and credit management services; provision of credit and business information and credit risk assessment; or to meet any legal obligations imposed on IRS.

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2. Use only fair (accepted industry standards) and lawful ways to collect personal information.

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3. Collect personal information directly from a client, subject or debtor if it is reasonable and practicable to do so.

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4. Take reasonable steps to ensure the client, subject or debtor is aware of any information IRS collects, even if IRS has collected it from someone else (a third party).

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5. Obtain consent to collect sensitive information about you, unless specified exemptions apply.

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6. Permit only authorised personnel, who are trained in the proper handling of client information, to have access to that information. Personnel who violate our Privacy Policy will be subject to our disciplinary procedures.

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7. Not reveal customer information to any external organisation unless we have previously informed the customer in disclosures or agreements (such as this document), or have been authorised by the customer, or are required by law or our regulators. We will always maintain control over the confidentiality of our client information.

 

8. Whenever we hire other organisations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.

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9. Attempt to keep customer files complete, up-to- date, and accurate. We will tell our customers how and where to conveniently access their information (except when we are prohibited by law) and how to notify us about errors, which we will promptly correct.

 

10. Take reasonable steps to destroy or permanently de-identify personal information if IRS no longer needs it for any purpose for which we may use or disclose the information.

 

11. Provide advice in a short document that sets out clearly expressed policies on the way IRS manages personal information and make it available to anyone who asks for it.

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Keeping client/customer/debtor information secure is a top priority for IRS.

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Your Rights

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If any individual asks, IRS will take reasonable steps to let the individual know, generally, what sort of personal information we hold, what purposes we hold it for and how we collect, use and disclose that information.

 

If an individual asks us, we must give access to the personal information IRS holds about that individual unless particular circumstances apply that permit us to limit the extent to which we give access – these include emergency situations, specified business imperatives and law enforcement or other public interests.

 

If it is lawful and practicable to do so, IRS will give individuals the option of interacting anonymously with us.

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How We Collect Personal Information

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IRS collect personal information in a few ways, including:

 

• Directly from you, when you provide information by phone, in person or in documents;

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• From third parties such as the other Group Organisations, credit reporting agencies or your representatives;

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• From publicly available sources of information;

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• From our own records of how you use our services;

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• When legally required to do so;

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Categories Of Personal Information We Collect

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The nature of the personal information we collect, and where it comes from, will vary according to the specific product or service, and may include:

 

• Information we collect from you during enquiries or on forms, such as name, address and telephone number, email address and other relevant details;

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• Information about your financial transactions with us, affiliates, third parties (such as account balances), payment history, and account activity;

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• Information we receive from credit bureau reports;

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Purposes of Collecting Your Information

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We will only collect personal information necessary for the product/service

 

These purposes may include:

 

• Processing a product/service request and providing what you require;

 

• Administering and managing those services, including charging, billing and collecting debts. Processing receipts and payments, and servicing customer’s accounts;

 

• Evaluating and monitoring credit worthiness;

 

• Informing you of ways the services provided to you could be improved;

 

• Responding to customer inquiries about products, services or accounts;

 

• Understanding customer’s needs and offering products and services to meet those needs;

 

• Maintaining our relationships with clients;

 

• Conducting market or customer satisfaction research;

 

• Researching and developing our services;

 

• Assessing, processing and investigating assorted risks or claims;

 

• Locating items or individuals;

 

• Service of Documents

 

• Repossessions of secured goods

 

• Prevention and investigation of crime or fraud to protect your interests and our interests;

 

• Meeting legal and regulatory requirements.

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Complaints and Disputes

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If you have reason to believe that any IRS employee has breached the Privacy Policies outlined in this document, we urge you to raise this with our Privacy Officer.

 

We will investigate all complaints and respond to you within 14 days. If we find a complaint justified, we will promptly resolve it. If necessary, we will change policies and procedures to maintain our high standards of performance, service and customer care.

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Access

 

You are entitled under the Privacy Act to access the information an organisation holds about you, subject to some exceptions allowed by law. We want to make this as simple as possible for you. You can make the request in a letter, or email. (Please do not include account numbers or other sensitive data in email or fax, since they may not be secure.)

 

We will need to validate the identity of anyone making an access request, to ensure that we do not provide your information to anyone who does not have the right to that information.

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Where a client/subject establishes that the personal information we hold on them is not accurate, complete or up-to-date we will correct our records as necessary.

 

We may charge you an administration fee for providing access in accordance with your request. Your request will receive a response within 30 days.

 

Access to information about you is your right under the Privacy Act.

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Help Us to Ensure We Hold Accurate Information

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IRS take all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends largely on the information you provide. That is why we recommend that you let us know if there are any errors in your personal information and keep us up to date with changes to personal information such as your name or address.

 

For further information about the contents of this Privacy Policy, please contact our office.

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CHANGE IN PRIVACY POLICY

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As we plan to ensure our privacy policy remains current, this policy is subject to change. We may modify this policy at any time, in our sole discretion, and all modifications will be effective immediately. Please return periodically to review our privacy policy.

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If you have any questions or concerns at any time about our privacy policy or the use of your personal information, please contact us at admin@ir-solutions.com.au and we will respond within 48 hours. If you would like further information on our Privacy Policy or if you have any concerns over the protection of the information you have given to us or that we have collected from you or others, please contact us: 

 

Address: PO Box 880

Noarlunga Centre SA 5168

Telephone: 07 5518 8460

Email: admin@ir-solutions.com.au

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