Privacy Policy
National Reboot Group
NRG Global Recoveries Pty Ltd (ACN 671 745 663)
Credit Representative Number: 574014
Authorised under MCR Advisors Pty Ltd — Australian Credit Licence 531570
1. Introduction
NRG Global Recoveries Pty Ltd, trading as National Reboot Group (referred to as “we”, “us”, or “our” in this policy), is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
We provide debt management, credit repair, and related financial services as an authorised credit representative. This Privacy Policy explains how we collect, use, disclose, and protect your personal information.
2. What is Personal Information?
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether recorded in material form or not.
Sensitive information is a subset of personal information that includes information about your racial or ethnic origin, political opinions, religious beliefs, health information, sexual orientation, criminal record, and membership of professional or trade associations.
3. Types of Information We Collect
To provide our debt management and credit assistance services, we may collect the following types of personal information:
3.1 Identity and Contact Information
Your full name, date of birth, residential and postal addresses, email addresses, telephone numbers, and proof of identity documents such as driver’s licence or passport details.
3.2 Financial Information
Details of your debts and creditors, income and employment information, bank account details for payment purposes, asset and liability information, and details of any hardship circumstances.
3.3 Credit Information
Information obtained from credit reporting bodies, including your credit report, credit scores, repayment history, and details of credit applications and defaults.
3.4 Sensitive Information
Where relevant to your matter, we may collect sensitive information such as health information (for hardship applications) or details of any court proceedings. We will only collect sensitive information with your express consent or where required or authorised by law.
3.5 Technical Information
When you visit our website, we may collect technical information including your IP address, browser type, device information, pages visited, and cookies. This information helps us improve our website and services.
4. How We Collect Your Information
We collect personal information directly from you when you enquire about or use our services, complete application forms or questionnaires, communicate with us by telephone, email, or in writing, visit our website, or provide information through our client portal.
We may also collect information about you from third parties, including credit reporting bodies, your creditors and financial institutions, publicly available sources, your authorised representatives or advisers, and government agencies where authorised by law.
5. Why We Collect Your Information
We collect and use your personal information for the following purposes: to assess your eligibility for our services; to provide debt management, credit repair, and related services; to communicate with your creditors on your behalf; to negotiate debt settlements, hardship variations, or payment arrangements; to prepare and lodge complaints with external dispute resolution schemes; to process payments and manage your account; to comply with our legal and regulatory obligations; to respond to your enquiries and provide customer support; and to improve our services and develop new offerings.
If you do not provide the personal information we request, we may not be able to provide our services to you, or our ability to assist you may be limited.
6. Who We Disclose Your Information To
In providing our services, we may disclose your personal information to the following types of recipients:
Credit providers and creditors: We disclose your information to creditors to negotiate on your behalf, seek hardship variations, or resolve disputes.
Credit reporting bodies: We may access your credit report and, where authorised, request corrections to inaccurate information.
External dispute resolution schemes: Including the Australian Financial Complaints Authority (AFCA) when lodging or managing complaints.
Our authorising licensee: MCR Advisors Pty Ltd, as required under our credit representative agreement and for regulatory compliance.
Professional advisers: Including lawyers, accountants, and auditors who assist us in providing services or meeting our obligations.
IT and service providers: Including our customer relationship management system provider, payment processors, and communication platforms.
Government and regulatory bodies: Where required by law, including ASIC, the OAIC, and courts or tribunals.
7. Overseas Disclosure
Important: Some of our staff and service providers are located overseas. By engaging our services, your personal information may be disclosed to recipients in the following countries:
Philippines: Staff who assist with client communications, marketing, and administration of our client management systems.
India: Staff who assist with complaint preparation, document review, and case management.
We take reasonable steps to ensure that overseas recipients handle your personal information in accordance with the Australian Privacy Principles. However, you acknowledge that by consenting to the overseas disclosure of your personal information, Australian Privacy Principle 8.1 will not apply to the disclosure, and we will not be accountable under the Privacy Act for the actions of the overseas recipients.
If you do not consent to overseas disclosure, please advise us before engaging our services. This may limit our ability to provide certain services to you.
8. Data Quality and Security
We take reasonable steps to ensure that the personal information we collect and hold is accurate, up-to-date, complete, and relevant. We rely on you to inform us of any changes to your personal information.
We protect your personal information through physical security measures for our premises, password protection and access controls for electronic systems, encryption of sensitive data during transmission, staff training on privacy obligations, and secure destruction of information no longer required.
While we take reasonable precautions, no data transmission over the internet or electronic storage method is completely secure. We cannot guarantee the absolute security of your information.
9. Accessing and Correcting Your Information
You have the right to request access to the personal information we hold about you. To request access, please contact us using the details in Section 12. We will respond to your request within 30 days.
We may charge a reasonable fee to cover the cost of locating and providing access to your information. We will advise you of any applicable fees before proceeding.
In some circumstances, we may refuse access to your information. If we do, we will provide you with written reasons for the refusal and information about how to complain about our decision.
If you believe personal information we hold about you is inaccurate, out-of-date, incomplete, irrelevant, or misleading, you may request that we correct it. We will respond to correction requests within 30 days. If we refuse to correct information, we will provide written reasons and advise you of complaint mechanisms.
10. Privacy Complaints
If you believe we have breached the Australian Privacy Principles or mishandled your personal information, you may lodge a complaint with us.
10.1 How to Complain
Please submit your complaint in writing to our Privacy Officer using the contact details in Section 12. Your complaint should include your name and contact details, a description of the conduct you are complaining about, and the outcome you are seeking.
10.2 Our Response
We will acknowledge receipt of your complaint within 7 days and aim to resolve it within 30 days. If we need more time, we will advise you of the reason for the delay and the expected timeframe.
10.3 External Complaints
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Phone: 1300 363 992
Post: GPO Box 5218, Sydney NSW 2001
11. External Dispute Resolution
Note: This section is included as best practice for credit service providers and is not a mandatory Privacy Act requirement.
As a credit representative, we are a member of the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme.
If you have a complaint about our services (not limited to privacy matters), and you are not satisfied with our internal complaint resolution, you may refer your complaint to AFCA.
Australian Financial Complaints Authority
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Our AFCA Membership Number: 118629
12. Contact Us
If you have any questions about this Privacy Policy, wish to access or correct your personal information, or want to make a privacy complaint, please contact us:
NRG Global Recoveries Pty Ltd
Trading as: National Reboot Group
Postal Address: 526/368 Sussex Street, Sydney, NSW 2000
Phone: 1300 553 132
Email: support@lightslategray-shark-270246.hostingersite.com
Website: www.lightslategray-shark-270246.hostingersite.com
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The current version will always be available on our website. We encourage you to review this policy periodically.
Where we make significant changes that may affect you, we will take reasonable steps to notify you, such as by email or a prominent notice on our website.
Effective Date: 01/12/2025
Last Updated: 12/12/2025
Version: 1.0