Privacy Policy

About this policy

This Privacy Policy explains how Shimco Pty Ltd (ABN 28 602 204 473), trading as Reset My Debt (“we”, “us”, “our”), collects, uses, discloses and protects your personal information. We are committed to handling your information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and, where it applies to credit information, Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code (CR Code).

The information we collect

Depending on the service you ask us about, we may collect:

• Identity and contact details — your name, date of birth, email address and phone number.
• Financial information — your income, expenses, debts, assets and details of your financial situation.
• Credit information — information from your credit report, including defaults, credit enquiries and repayment history, where you provide it or authorise us to obtain it.
• Situation details — such as financial hardship, or whether you have entered a formal insolvency arrangement.
• Website information — basic technical information when you use our website and enquiry forms.

Some of this is “sensitive information” or “credit information” under the Privacy Act, and we only collect it with your consent or where the law allows.

How we collect it

We usually collect information directly from you — through our website enquiry forms, by email, or in conversation. With your consent, we may also collect information from credit reporting bodies (Equifax, Experian and illion), from your creditors, or from other parties involved in your matter.

Why we collect and use it

• To assess whether and how we can assist you.
• To provide our debt‑negotiation and credit‑repair services.
• To communicate with you and act on your behalf where you have authorised us to.
• To meet our legal, regulatory and licensing obligations.

Who we may share it with

Where necessary to provide our services or meet our obligations, we may disclose your information to:

• your creditors and their representatives;
• credit reporting bodies (Equifax, Experian and illion);
• [our Australian Credit Licence holder / licensee];
• our professional advisers and service providers (including the provider that delivers our website enquiry forms);
• the Australian Financial Complaints Authority (AFCA) or regulators, where required;
• anyone else you have authorised, or where the law requires or permits.

Storage, security and overseas disclosure

We take reasonable steps to protect your information from misuse, loss and unauthorised access. Please note that some of our service providers — including the provider that processes our website enquiry forms — may store information on servers located overseas (for example, in the United States). No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Accessing and correcting your information

You may ask us for a copy of the personal information we hold about you, and ask us to correct it if it is inaccurate or out of date. To make a request, contact us using the details below — we may need to verify your identity first.

Complaints

If you have a concern about how we have handled your personal or credit information, please contact us first using the details below, or see our page. You may also contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.

Changes to this policy

We may update this policy from time to time. The current version will always be available on our website.

Contact us

For any privacy question or request, contact our Privacy Officer at support@resetmydebt.com.au or Narrabeen NSW 2101. Shimco Pty Ltd — ABN 28 602 204 473 — [Credit Representative Number / ACL details].

Last updated: 28 September 2026.