HUMANFORCE CREDIT REPORTING POLICY

In this Credit Reporting Policy, Humanforce, us, we or our means Humanforce Holdings Pty Ltd (ACN 618 020 401), in connection with certain credit-related features made available through the Humanforce Thrive app (App) operated by Humanforce.


This policy explains how Humanforce collects, uses, holds and discloses credit information, credit eligibility information and related personal information. Humanforce’s handling of personal information in connection with Humanforce Benefits is described in the Humanforce Benefits Privacy Policy and the Humanforce Privacy Policy.


Our handling of credit information is regulated by the Privacy Act 1988 (Cth) (Privacy Act), the Privacy Regulation 2013 and the registered Privacy (Credit Reporting) Code (CR Code).


This policy should be read with our Statement of Notifiable Matters, which describes certain rights you have in relation to your credit information and how Humanforce will notify you of any credit reporting bodies to whom it may disclose your credit information.


The types of credit information that Humanforce collects and holds, and how Humanforce collects and holds that information


Humanforce collects and holds credit information, which may include:

  • borrower identification information such as your name, date of birth and employer details;
  • consumer credit liability information about the credit you have had with us;
  • your repayment history, amounts, fees and dates;
  • default information relating to loan repayments of $150 or more that are more than 60 days overdue;
  • the amount of credit you have requested;
  • publicly available information about you that relates to your creditworthiness;
  • insolvency information from the National Personal Insolvency Index, court proceeding information in relation to credit and arrangement information; and
  • a reasonably formed opinion that you have engaged in a serious credit infringement in relation to credit that was provided to you as a consumer, for example, that you:
  • were, or were attempting to, fraudulently obtain credit;
  • are fraudulently evading or attempting to evade your credit obligations; 
  • are no longer intending to comply with your credit obligations because we have not been able to contact you for 6 months in accordance with the Privacy Act.


We collect this information directly from you, from Humanforce Group companies, from your employer and its payroll or workforce systems, from service providers, from publicly available registers and from other sources permitted by law.


We take reasonable steps to ensure that the credit information that we hold is free from misuse, interference, loss, unauthorised access or modification. Examples of these steps include: 

  • using a reputable Australian-based web services provider;
  • securing information, and implementing reasonable controls;
  • maintaining internal procedures and measures limiting access to credit information only to those that need access for legitimate purposes; and
  • protecting and monitoring our systems.

 

The kinds of credit eligibility information that Humanforce holds, and how it is held

Humanforce does not hold credit eligibility information. 


The kinds of CP derived information that Humanforce derives from credit reporting information disclosed by a credit reporting body

Humanforce does not currently obtain credit reporting information from CRBs and does not derive information derived by a credit provider from credit reporting information (CP derived Information). 


Why Humanforce collects, holds, uses and discloses credit information and credit eligibility information

Humanforce collects, holds, uses and discloses credit information for purposes reasonably necessary for our business activities, to provide its services and for reasons permitted in the Privacy Act and by law. These purposes may include:

  • assessing applications for credit;
  • providing, servicing and administering our accounts and products;
  • managing loans, outstanding debts, complaints and legal proceedings;
  • assisting borrowers if it appears that they are at risk of default;
  • verifying identity and eligibility;
  • detecting, preventing and investigating fraud, misuse, security incidents, unlawful activity or serious credit infringements; 
  • internal management, product development, reporting and data analysis;
  • meeting our legal and regulatory requirements, including reporting matters to regulators, enforcement bodies or other persons where authorised or required by law.


Who Humanforce may disclose credit information to

We may disclose credit information and related personal information where permitted by law to:

  • Humanforce Group companies, where needed to make credit-related features available through the App and where permitted by law;
  • your employer, where needed to confirm eligibility, process payroll-related instructions or repayments, administer credit-related features, investigate misuse or comply with law;
  • CRBs, where permitted by law;
  • service providers, including technology, hosting, verification, identity, communications, payment, support, security, analytics, collections and professional service providers;
  • payment providers, financial institutions, debt collection providers, assignees, funders, securitisation counterparties and other parties involved in funding, assignment or management of credit;
  • professional advisers, auditors, insurers, investors, prospective purchasers and parties involved in corporate transactions;
  • courts, regulators, law enforcement agencies, government authorities and dispute resolution bodies; and
  • other persons authorised by you or where required, authorised or permitted by law.


Credit reporting bodies

  • We may disclose credit information to CRBs where permitted by law. Before Humanforce discloses credit information to a CRB, Humanforce will use reasonable endeavours to make available the name and contact details of that CRB and provide notice required by law.  Each CRB may include your credit information in reports provided to credit providers to assist them to assess your creditworthiness.
  • You may contact a CRB to request that it not use your credit reporting information for the purposes of pre-screening direct marketing by a credit provider.
  • You may also request that a CRB not use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud. This is sometimes referred to as a credit reporting ban.


Offshore disclosure

Humanforce hosts our web services on an Australia-based cloud, and do not send credit information to offshore recipients.


Any third party to whom you have authorised us to disclose your personal information, such as your employer or a service provider, may send credit information offshore. The relevant countries are unknown to us at the time of preparing this Policy.


Where required by law, we take reasonable steps to require overseas recipients to protect your credit information in accordance with the Privacy Act and applicable credit reporting requirements.


 How to access and correct your credit information and credit eligibility information

You may request access to, or correction of, credit information and credit eligibility information that we hold about you by contacting us using the details below.


We will need to verify your identity before providing access to, or correcting, your information. If we are unable to give you access, or if we do not agree to your correction request, we will give you a written response explaining our decision where required by law.  Your request to access information is free, but we may charge an administrative fee to provide access where permitted by law.

 

How to complain if you feel that Humanforce has failed to comply with its credit reporting or privacy obligations, and how we will manage your complaint

If you believe we have not complied with the Privacy Act, the CR Code or other applicable privacy or credit reporting obligations, please contact us in writing using the details below and provide enough information for us to investigate your complaint.


We will attempt to resolve your complaint within a reasonable timeframe, and, where required, within the timeframe required by law. We will contact you if we need more information, and we will give you a final written response with our resolution, including any reasons for disagreeing where required by law.


You may also contact the Office of the Australian Information Commissioner (OAIC) or by calling 1300 363 992.


If you are unsatisfied with our response to your complaint, you may contact our External Dispute Resolution scheme, the Australian Financial Complaints Authority (AFCA), online at www.afca.org.au, by email at info@afca.org.au, or by phone on 1800 931 678.

 

Requesting a copy of this policy

You may ask us to provide you with a copy of this policy free of charge in another format such as email or post.  Please contact us on our details below to make such a request.

 

Our contact details

Humanforce Privacy Officer, 

Level 10, 90 Arthur Street, 

North Sydney, NSW 2060, AUSTRALIA 

privacy@humanforce.com

 

 

This Credit Reporting Policy was last updated on 01/09/2026.