Privacy Policy

Last updated 01/08/2024 

This Privacy Policy outlines the manner in which Philip Joseph Parker (hereinafter referred to as "Philip Joseph Parker") collects, uses, stores, and discloses personal information in accordance with the Australian Privacy Principles (APPs) as set forth in the Privacy Act 1988 (Cth) and the Privacy Amendment (Privacy Protection) Act 2012.

Philip Parker is committed to protecting the privacy of your personal information. We recognise the importance of ensuring its confidentiality and security. For the purposes of this policy, personal information refers to any information or opinion, whether true or not, that relates to an identified or identifiable individual.

This policy applies to Philip Joseph Parker, its employees, contractors, agents, and any other parties acting on its behalf. Philip Joseph Parker reserves the right to amend this policy at its discretion, and any such amendments will become effective upon posting on Philip Joseph Parker's website or by other means as deemed appropriate. Users are encouraged to review this policy periodically to stay informed of any changes.

Philip Joseph Parker's obligations regarding the management of personal information are governed by the Australian Privacy Principles (APPs), which ensure transparency and fairness in how personal information is handled. Philip Joseph Parker will take all reasonable steps to ensure that it complies with the APPs in its collection, use, storage, and disclosure of personal information.

Privacy and Consent Agreement
By submitting a request for contact with Philip Joseph Parker, you, the applicant, acknowledge and consent to the collection, use, and disclosure of your personal and financial information as described below:

Collection of Information
As part of the assessment process, Philip Joseph Parker will collect personal and financial information, including but not limited to, your identity, income, current financial commitments, and household budget. This information is necessary to assess your eligibility for credit repair services and to identify the most suitable financial options for your circumstances.

Authority to Access Credit Information
By submitting a request for contact, you grant Philip Joseph Parker explicit authority to access your consumer and commercial credit information from a Credit Reporting Body (CRB) on your behalf. This authority allows Philip Joseph Parker to act as an access seeker in relation to your credit file. Accessing your credit information will not result in a credit enquiry being listed on your credit report. The information will only be used to assist you in managing existing credit or to facilitate the application for new credit.

Confidentiality and Disclosure
Philip Joseph Parker is committed to maintaining the confidentiality of your personal and financial information. Your information will not be disclosed to any unrelated third parties without your explicit consent, except in circumstances where disclosure is necessary to provide services or as required by law. In certain cases, your information may be shared with other entities as part of the solution or service being offered to you (e.g., credit reporting bodies, credit providers, or legal advisors).

Consent to Sharing of Information
By submitting your request for contact, you expressly consent to Philip Joseph Parker sharing your information with third parties only where necessary to provide the services requested (e.g., credit reporting bodies, credit providers, or legal advisors). This sharing will be limited to the extent required to facilitate the resolution of your credit-related matters.

By proceeding with your request, you confirm that you understand and agree to the terms outlined in this Privacy and Consent Agreement. You acknowledge that your consent is provided voluntarily and that you may withdraw your consent at any time by contacting Philip Joseph Parker, subject to legal and contractual obligations.

This agreement is binding upon submission of your request for contact.

Updating Your Personal Information
It is essential that the personal information we hold about you remains accurate and up to date. In the event of any changes to your personal information, you are required to promptly notify Philip Joseph Parker.

To ensure your details are current in our records, please send the necessary updates via email to contact@philipparker.com.au. Failure to provide updated information may impact the services we provide or our ability to assist you in a timely manner.

Access to Your Personal Information Held by Philip Joseph Parker
In accordance with the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth) and the Privacy Amendment (Privacy Protection) Act 2012, you have the right to request access to the personal information that Philip Joseph Parker holds about you. If you wish to obtain a copy of the personal information we maintain, you may submit a request to us via the following methods:

Email: contact@philipparker.com.au
Phone: 0439 368 382
Postal Mail: PO Box 5784, Cairns QLD 4870
Upon receiving your request, Philip Parker will respond within a reasonable timeframe and provide you with access to your personal information, subject to any legal exceptions that may apply. Please note that in certain circumstances, a fee may be charged for providing access to your information.

Security of Your Personal Information
Philip Parker is committed to safeguarding your personal information. We will take all reasonable steps to protect your data by storing it in a secure environment. Philip Joseph Parker will also take reasonable precautions to protect your personal information from misuse, loss, unauthorized access, modification, or disclosure, in compliance with the Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth) and the Privacy Amendment (Privacy Protection) Act 2012.

Overseas Recipients
Philip Joseph Parker does not disclose personal information to overseas recipients. All personal information held by Philip Joseph Parker will remain within Australia, unless disclosure to overseas recipients is required by law or expressly authorized by you.

Complaints
If you have any concerns regarding our privacy practices or wish to make a complaint about how your personal information has been handled, please contact Philip Joseph Parker using one of the following methods:

Email: contact@philipparker.com.au
Phone: 0439 368 382
Postal Mail: PO Box 5784, Cairns QLD 4870
Philip Parker will investigate all complaints and take appropriate action to address your concerns in accordance with the Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth) and the Privacy Amendment (Privacy Protection) Act 2012.

Children’s Privacy
Philip Joseph Parker does not knowingly collect or maintain personal information from individuals under the age of 16. No personal information should be submitted to Philip Joseph Parker by children under 16 years of age without the prior consent of a parent or guardian. Philip Joseph Parker does not monitor the age of its users, and it is the responsibility of parents or guardians to ensure that their child’s information is submitted in compliance with applicable consent requirements.