Privacy Policy

Please read this Privacy Policy carefully before using the Beyond Debt website. By entering into our website, you agree to be bound by this Privacy Policy.

In summary, while you should read each provision in this Privacy Policy, by using our website, you agree that:

• If you submit your personal information to us, we may create a databse record about you and

• We can use cookies on your browser unless you remove them

Beyond Debt is committed to safeguarding your privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.

Unless you directly give us consent to do otherwise, Beyond Debt will only collect and use your personal information as set out below. We will also observe the relevant privacy laws, including the Privacy Act 1988 (Commonwealth) and the National Privacy Principals in Australia.
Collecting information about you

Beyond Debt will only collect or monitor any personal information about you in accordance with the relevant laws, with your consent or as necessary to provide a service that you have asked us to provide to you e.g. credit history from a registered credit bureau. The only personal information we collect through the website is what you tell us about yourself, for example, name and address on our enquiry form, and how often you access our site.

Whichever way you seek specific information from us or apply for a product from us, most likely we will ask for your personal information (such as name and address) in order to service your application. You do not have to provide this information to us, however, we may not be able to help you if we  don’t have this information

Our Use of Cookies

Cookies are pieces of information that a website transfers to your computer’s hard disk for record keeping purposes.

Most web browsers are set to accept cookies. Beyond Debt uses cookies to make your use of our website and services as convenient as possible. Cookies do not themselves personally identify users, although they do identify a user’s browser. For example, cookies allow us to remember the information you have entered as you move through our site, and let us know how many people are using the different parts of the site. If you do not wish to receive any cookies you may set your browser to refuse cookies. However, this may mean you are not able to take full advantage of Debt Mediators Australia’s website.

When you submit information on our site anonymously, such as when you use a calculator, we do not link this information back to a cookie which identifies you or retain it in any way unless we have your consent.

Using and Disclosing your Personal Information

We inted to use your information for the following purposes only:

• To fulfill our obligaiton under a contract, including a contract between you and Beyond Debt,

• To provide you with information about our products, service and or special offers,

• To ask you for your opinion or comments about our products and /or services and

• To track general traffic patterns of the usage of our website

Please note that for us to operate our website or deliver a service, sometimes we may have to share your personal information with a non-Debt Mediators Australia service provider.

As Beyond Debt recognises the trust you place in us when you give us personal information, we will only use or disclose this information for other purposes with your consent, except for in exceptional cases such as if disclosure is required by laws, when it is necessary to protect ours or the publics rights or property, or to lessen a serious threat to a person’s health or safety

Whe we may contact you

If you provide us with an email, phone number or residential address, we may use it to contact you in order to:

Provide your with information which may be of interest such as updates and new Beyond Debt Servcies.
Send you a newsletter

If you are receiving communications (electronic or otherwise) from Beyond Debt and do not wish to receive them any longer, please contact us so we can remove your name from our list.

Storage and Security of you personal information

Beyond Debt will endeavour to take all reasonable steps to keep secure any information we hold about you, and to keep this information accurate and up to date. Your information is stored on secure systems that are protected in controlled facilities. Our employees, contractors and data processors are obliged to respect the confidentiality of any personal information held. However, as we cannot guarantee the security of communications over the Internet, we cannot give an absolute assurance that your information will be secure at all times. Beyond Debt is not responsible for events arising from unauthorised access to your personal information.

Beyond Debt and Links to other websites

Where Beyond Debt  provides links to websites outside of our own site. These linked sites are not under our control and we are not responsible for the conduct of companies linked to our website. Before disclosing your personal information via any other websites, please examine theses websites’ terms and conditions.

Accessing Personal Information Held
You can request your personal information at any time by emailing us at support@dcsgroup.com.au. You can also email us to update, change or delete any personal information. If you request we delete your personal information, we will take reasonable steps to do so unless we need to keep it for legal reasons.

What to do if you have a problem or question
If Beyond Debt becomes aware of any ongoing concerns or problems with our website, we will take them seriously and will address these concerns. If you have a query relating to our Privacy Policy, or if you want to give us any feedback, please contact us via the phone number on this website.

Future Changes
Our commitment to be a quality provider of financial services means that our business will continue to evolve as we introduce new services and features. Because of this, our policies will be reviewed and revised from time to time. Beyond Debt reserves the right to change our Privacy Policy and other policies at any time. We will notify you of any changes to this policy by posting on the website or as required by law. You are bound by an amended Privacy Policy whether or not we have given you specific notice.