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Credit Reporting Policy

Powershop Australia Pty Limited’s (Powershop) credit reporting policy set out below outlines how Powershop manages your credit information as required by the Privacy Act 1988 (Cth) (the Act).

The ‘what’ and ‘how’

In offering and enabling services to you, Powershop may collect and hold credit information about you which is personal information (such as identification information, repayment history information, default information and payment information). We may obtain credit history information from credit reporting bodies from time to time.

The ‘use’

In providing services to you we may use or disclose your credit information for the following purposes:

  • to manage your account and for the payment for our services;
  • carrying our credit checks or otherwise assessing your creditworthiness;
  • to take action if there is a payment default; or
  • debt collection.

We will keep your credit information secure. Most credit information will be held in our customer application which is stored and processed in Australia and New Zealand. However, some credit information will be held in physical files at our offices or electronically in our computer network. Our staff have unique user identifications and passwords. We work to ensure that our staff understand all of their and our responsibilities under the Act. Our physical premises are protected by reasonable security precautions. We do use some services which involve the transfer, processing and storage of some credit information outside of Australia, including New Zealand and these are likewise protected by unique user identifications and passwords.

Access to and correction of credit information

You may ask us for access to any credit information we hold about you. If you think that information is inaccurate or incorrect, you may ask us to consider correcting it or deleting it from Powershop’s database. You can do this by sending an e-mail to the following address: info@powershop.com.au. Within 30 days, we will either make the correction and let you know what we have done or deny your request and let you know why.


If at any time you feel that we have not complied with this policy please let us know by sending an e-mail to the following address complaints@powershop.com.au or write to us at:
PO Box 1639
Melbourne VIC 3001
c/o Contact Centre Manager.

We will let you know how we intend to deal with your complaint within 7 days. Within 30 days we will let you know our decision and let you know what you can do if you are not satisfied with our decision.

The way in which we deal with general complaints is set out on our website www.powershop.com.au/complaints/.