Privacy Policy

Merion Pty Limited (Merion, we, us or our) is committed to protecting the privacy of the personal information it handles. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains what we collect, how we use it, and the choices and rights available to you.

1. The information we collect

The personal information we collect depends on our dealings with you. It may include your name, contact details, date of birth and other identifiers, information about accounts and transactions, your correspondence with us, financial information relevant to a payment arrangement, and information needed to verify your identity.

2. How information is collected

We collect personal information directly from you — for example, when you contact us, complete a form on this website, or speak with our team. We also receive information from our clients (the original creditor) when an account is referred to us, and we may collect information from third parties and publicly available sources where it is reasonable and lawful to do so.

3. How we store and protect information

We take reasonable steps to protect personal information from misuse, interference and loss, and from unauthorised access, modification or disclosure. This includes administrative, technical and physical safeguards. We retain information only for as long as it is needed for the purposes described in this policy or as required by law, and we take reasonable steps to destroy or de-identify it when it is no longer needed.

4. How we use and disclose information

We use personal information to provide our services — primarily to recover outstanding accounts on behalf of our clients — to communicate with the people involved, to consider payment arrangements and hardship requests, to meet our legal and regulatory obligations, and to improve our services. We may disclose information to the original creditor, to service providers who assist our operations under appropriate confidentiality obligations, and to courts, regulators or other parties where required or authorised by law. We do not sell personal information.

5. Overseas disclosure

Where it is necessary to disclose personal information to a recipient located outside Australia — for example, a service provider — we take reasonable steps to ensure the information is handled consistently with the Australian Privacy Principles.

6. Direct marketing

Merion’s contact with people about outstanding accounts is not direct marketing. If we ever send you marketing communications, you will be able to opt out, and we will action any opt-out request promptly.

7. Dealing with us anonymously

You may ask general questions of us anonymously or using a pseudonym. However, to discuss or resolve a specific account we will need to verify your identity, so that account information is only ever shared with the account holder.

8. Cookies and this website

This website may use cookies and similar technologies to help it function and to understand how it is used. You can control cookies through your browser settings. This website may also contain links to third-party sites, which are governed by their own privacy policies.

9. Accessing and correcting your information

You may request access to the personal information we hold about you, and ask us to correct it if you believe it is inaccurate, out of date or incomplete. We will respond to your request within a reasonable period. To make a request, contact us using the details below.

10. Data breaches

We maintain procedures for responding to data breaches. Where a breach is likely to result in serious harm and the Notifiable Data Breaches scheme applies, we will notify affected individuals and the Office of the Australian Information Commissioner as required.

11. Complaints

If you have a concern about how we have handled your personal information, please contact us first so we can address it. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

12. Contact us

For any privacy question, or to make a privacy request or complaint, email us at contact@merion.com.au.

13. Changes to this policy

We may update this Privacy Policy from time to time. The current version is the one published on this page.