Default Gone — Privacy Policy (v1.0)

1. Who we are

This policy applies to Austech Online (ABN 82 307 630 720), trading as Default Gone. It explains how we collect, use, store, and disclose personal information about you, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Personal information we collect

Identity and contact information — name, date of birth, address (current and historical), email address, mobile number.
Identification documents — government-issued ID for the purpose of verifying your identity before we act on your behalf.
Credit information — credit reports we request from credit reporting bodies on your behalf, listings on your credit file, and account-level information held by credit providers.
Financial information — information about the debt the listings relate to, hardship circumstances, prior dispute history, and any documents you provide in support.
Communications — emails, SMS messages, and voice-call transcripts between us and you, and between us and credit providers / credit reporting bodies on your behalf.

3. Sensitive information

Some of the information above is sensitive (financial, identification). By signing the service agreement and accepting this policy you consent to our collection, use, and disclosure of that information for the purposes set out below.

4. Why we collect it

To prepare and lodge dispute correspondence on your behalf.
To verify your identity before acting.
To communicate with you about your case.
To communicate with credit providers and credit reporting bodies on your behalf.
To meet record-keeping obligations under Australian law.

5. Who we disclose it to

We disclose your personal information only to the extent necessary to perform our service:

Credit providers named on the listings.
Credit reporting bodies — Equifax, Experian, illion.
Buy-Now-Pay-Later providers, telecommunications providers, debt collectors and assignees named on the listings.
External review pathways available to you under Australian credit-reporting law.
Our processors — Resend (email delivery), VoxReach (voice and SMS), Stripe (payment processing), AWS / SiteGround (hosting), and Anthropic (AI processing of your case under Anthropic's data privacy terms).

We do not sell your personal information.

6. Cross-border transfers

Some of our processors store and process data outside Australia:

United States — Anthropic, Stripe, Resend.
Singapore and other Asia-Pacific regions — VoxReach.
Australia — primary hosting (SiteGround AU).

Each processor is contractually required to handle your information consistently with Australian privacy standards.

7. Storage and security

Your information is stored on encrypted disks at rest and is transmitted over TLS in transit. Access to case records is restricted to our automated systems, named operations administrators, and approved processors. We review our security posture regularly.

8. Retention

We retain your case records and supporting documentation for seven years from the date your case is closed, in line with Australian record-keeping requirements. After that period the records are securely destroyed unless we are required by law to retain them for longer.

9. Access and correction

Under APP 12 you may request access to the personal information we hold about you. Under APP 13 you may request correction of any information you believe is inaccurate, out of date, incomplete, irrelevant, or misleading. To make a request, email contact@defaultgone.com.au.

10. Complaints

If you believe we have breached your privacy, please contact us first at contact@defaultgone.com.au or +61 2 5502 7025. If you are not satisfied with our response, you may complain to the relevant Australian privacy regulator.

11. Cookies and analytics

Our website uses Google Analytics 4 and Microsoft Clarity for site-usage analytics, and IndexNow for search-engine indexing. You can opt out of these via your browser settings.

12. Updates to this policy

We may update this policy from time to time. When we do, the new version is registered in our document store with its own version number and effective date. Your existing engagement remains governed by the version you accepted at sign-up; only new engagements after the effective date are bound by the new version.

13. Contact us

Email — contact@defaultgone.com.au
24/7 AI advisor — +61 2 5502 7025
Postal — Austech Online, ABN 82 307 630 720.

We may update this policy from time to time. Each version is registered with its own effective date and SHA-256 in our document store. Your existing engagement remains governed by the version you accepted when you signed up.