The policy is divided into 3 sections:
Part 1 outlines how we deal with personal information across the agency, including in relation to our legislative responsibilities and corporate service functions.
Part 2 describes how we collect information via this website.
Part 3 contains information about how you can access, or ask us to correct, personal information we hold about you, along with some important privacy definitions, and how to contact us for further information or to raise a privacy concern.
What we do
We administer Australia’s personal insolvency system pursuant to the Bankruptcy Act 1966 and related legislation. We also administer the Personal Property Securities Register (PPSR) where security interests in personal property can be registered and searched. In addition, we have responsibility for the control and realisation of property under a number of Commonwealth acts, including the Proceeds of Crime Act 2002, the Proceeds of Crime Act 1987, the Customs Act 1901 and the Crimes Act 1914, and under court orders relating to certain child support matters.
The kinds of information that we collect and hold
Our functions under the Bankruptcy Act require us to collect and hold a range of information, some of which is personal information.
If you are bankrupt or a debtor, we will hold a variety of information including your contact details, date of birth, qualifications and employment, and financial details.
If you are a creditor in a personal insolvency administration, we will commonly hold your contact details and information about the amount of money you are owed.
If you are, or have been, a personal insolvency practitioner, or have applied for registration as a practitioner, we will hold information about your application and/or your registration and information about your practice. We will also hold information concerning complaints that may have been made to AFSA about your conduct as an insolvency practitioner.
If you have made a complaint to AFSA about someone who is bankrupt, a debtor, creditor or personal insolvency practitioner, we will hold personal information that was contained in the complaint, as well as information which is necessary to collect in order to deal with the complaint.
If you are investigated in relation to, or prosecuted for, an offence against the Bankruptcy Act or related legislation, we may hold personal information relevant to that investigation or prosecution. This information may include criminal records.
Under the Personal Property Securities Act 2009, we may hold personal information if a security interest is registered against your property. The information is usually limited to your name and date of birth, details of the subject collateral and the contact details of the secured party.
Our responsibilities regarding the control and realisation of property under other Commonwealth acts and court orders requires us to collect and hold a range of information about certain people including contact and financial details.
We will also collect information, such as contact, qualifications and employment history details, if you apply for a job with us, are employed or contracted by us for employment service, human resource management and other corporate service functions.
We may collect information such as your email address, if you ask to be on an email or mailing list so that we can send you publications or updates about our activities, or if you agree to participate in surveys or research that we may conduct, or have conducted on our behalf. If you telephone, email or send a letter to our contact centre (or directly to a staff member) we may collect or hold information such as your contact details. We also collect information that may be used to establish your identity in some situations.
Dealing with us anonymously
You can choose to deal with us anonymously or by using a pseudonym. For example, if you call us with a general enquiry you will be able to choose not to provide a name or to provide us with a name that is not your real name. However, this does not apply where it is impractical to do so, or where we are required or authorised by law to deal with you only if you disclose your identity. For example, if you seek information about a personal insolvency administration that is not publicly available information, you will need to identify yourself and provide proof of your identity, so that we can determine whether you have the right to access the information you seek. The amount and type of evidence required to prove your identity will depend on who you are and the nature of the information you are seeking.
Why and how we collect and hold personal information
We only collect and hold personal information that is reasonably necessary for, or directly related to, AFSA functions or activities. Generally we will collect personal information directly from you. In some circumstances we may collect personal information from other sources. We may collect personal information from another source if you consent to the collection from another source, or if it is unreasonable or impractical to collect the personal information from you.
We may also collect personal information from another source if authorised to do so by an Australian law, including the Privacy Act 1988, the Bankruptcy Act and the Personal Property Securities Act, or a court order. For example, the Personal Property Securities Act permits your lender to provide us with your name and date of birth to register a security interest on the PPSR. The Bankruptcy Act contains powers for various parties, including the Official Trustee and Official Receivers, to collect information to assist in the exercise of powers by those parties, or to assist in the administration of the Act.
We only collect sensitive information (see Privacy Definitions) if it is reasonably necessary for, or directly related to, AFSA functions or activities and you consent to that collection. However, we may also collect sensitive information if we are permitted to collect the information by an Australian law or court/tribunal order; if we believe the collection is reasonably necessary for, or directly related to, our regulatory and enforcement functions or activities; or if a permitted general situation exists (see Privacy Definitions).
An example of a situation in which AFSA collects sensitive information is the Statement of Affairs that must be lodged by a debtor or a person who is bankrupt under the Bankruptcy Act, which requires the provision of details about the debtor’s or someone who is bankrupt’s spouse, as well as disclosure of whether the debtor or person who is bankrupt was born overseas or has passports issued by overseas countries.
We hold personal information in different mediums, including paper and electronic. We take steps to protect personal information we hold from misuse, interference, loss and from unauthorised access, modification or disclosure. These steps include password protection for accessing our IT systems, locked filing cabinets for paper documents, physical access restrictions to our premises and staff training in appropriate procedures regarding the handling of personal information. When no longer required, personal information is destroyed in a secure manner, subject to our obligations under the Archives Act 1983.
Why we use and disclose personal information
We use and disclose personal information in order to fulfil our functions and responsibilities under the legislation referred to in What We Do.
If we collect personal information for one purpose, generally we will not disclose or use it for another purpose unless you have consented. We may also disclose or use it for another purpose which is related (or directly related if it is sensitive information) to the purpose for which the personal information was collected and you would reasonably expect that we would do so. For example, if you lodge an amendment statement with us under the Personal Property Securities Act, we will generally disclose the personal information you include in that form to the secured party.
We may use details you have provided to us (such as postal or email address) for the purpose of contacting you to invite you to participate in surveys or research that we may conduct, or have conducted on our behalf. You will not be obliged to participate in such surveys or research, and if you choose not to participate, we would respect your decision and not contact you again.
We may also disclose or use information for another purpose if a permitted general situation exists (see Privacy Definitions below); if it is required or authorised by law or a court or tribunal order; or if we reasonably consider that the use or disclosure is reasonably necessary for one or more enforcement- related activities conducted by, or on behalf of, an enforcement body. The terms “enforcement body” and “enforcement-related activity” are defined in the Privacy Act.
We are responsible for three accessible registers: the National Personal Insolvency Index (NPII), the Register of Trustees and the Personal Property Securities Register (PPSR). The NPII is established under the Bankruptcy Regulations 2021, and contains a range of information relating to personal insolvency administrations. The Bankruptcy Regulations set out in more detail the information that is contained on the NPII. Public access to the NPII is by way of direct searching on our website – this direct search attracts a fee. For more information about the data that is available in accordance with the Bankruptcy Act, see Inspection of Public Documents.
The Register of Trustees is a publicly searchable register of all bankruptcy trustees who are registered under the Bankruptcy Act 1966. It contains contact details for registered trustees as well as information relating to conditions on their registration and particulars of disciplinary action they may have been subject to. The register can be accessed at Register of trustees and there is no fee to search it.
The PPSR is an online register of security interests in personal property. For example, when you borrow money against your car, the lender could register their interest on the PPSR. It is possible to search the PPSR by using the details of a “grantor” (commonly the borrower); including an individual’s name and date of birth. However, a person must have an “authorised purpose” to search this personal information. Other measures taken to protect your privacy include prohibiting your name being included in a registration over consumer “serial numbered property”. For example, a PPSR registration over your car which is not used to carry on a business will not include your name or date of birth.
Disclosure to government departments, agencies and researchers
We may from time to time provide data to government departments and agencies, or to researchers, to assist them to carry out duties, perform functions, or conduct research. These duties, functions or research will generally be for purposes that benefit the public (for example, economic modelling or analysis) and will be enhanced by our data. Where possible, the data is shared in a format such that no individual is reasonably identifiable. Where data is provided that may identify one or more individuals, the department or agency receiving the data must either be subject to the Privacy Act and Australian Privacy Principles, or equivalent legislation at the State or Territory level. Data that enables an individual to be identified is not shared with non-government recipients.
Disclosure to overseas recipients
Some personal information held by AFSA may be disclosed to overseas recipients. For example, the PPSR is an online register and it can be accessed via the internet both inside and outside of Australia. In accordance with the requirements of the Personal Property Securities Act a search of the PPSR may reveal some personal information. However, as outlined above, there are provisions in the Act to protect your privacy. Similarly, there is no restriction on who can access information on the NPII, and persons in any overseas country may search it by paying the requisite fee.
Information collected via our websites
When you visit any of our websites, our servers log the following information which is provided by your browser:
the type of device, browser and operating system you are using
the address of the referring site
your server’s IP address
the date and time of your visit
the address of the pages accessed and the documents downloaded.
The information is used for statistical analysis, system improvement or administration purposes. We also use this data to understand how people are using our systems to improve our services. Outside of the context of your account and information provided by you to us, we will not attempt to identify your activities except where we are authorised or required to do so by law and/or in response to a court order, such as a warrant or subpoena.
In addition to the above, when you visit our Online Insolvency Services or PPS Register web-based applications, any information you enter on the applications is collected, logged and associated with your session or your account (if logged in). This information is collected in line with the provisions of the Bankruptcy Act and PPS Act respectively for the purposes of administration of those Acts.
Our website uses a range of analytics services which may send website traffic data to servers both inside and outside of Australia. The third party analytics software vendors in use on our website are:
- Google Analytics - a widely used web analytics service.
- Google APIs - such as Search Console (which enables us to monitor our site’s performance in Google Search) and Tag Manager (a tag management system that allows us to track activity across the site).
- Hotjar - an online tool to collect anonymous user behaviour used to improve website user experience.
- Monsido – a web optimisation tool to help us monitor and meet quality standards on the website.
We use reports provided by analytics providers to help us understand website traffic and website usage.
These services do not identify you personally or associate your IP address with any other data held by the agency for any other purposes. For information on how these vendors handle your personal information, review their privacy policies:
By using this website, you consent to the processing of data about you for the purposes set out above. You can opt-out of having your site activity available to Google Analytics.
A cookie is an electronic token that is passed to your browser and your browser passes it back to the server whenever a page is sent to you. Both our servers and our analytics providers generates cookies to collect information about how you browse our websites.
Cookies are used to:
Maintain your logged in session state with our servers.
Measure how you use the website so we can update and improve it based on your needs.
Remember the notifications you’ve seen so that we don’t show them to you again.
When used for analytics, the information we collect is aggregated and therefore anonymous. Some cookies we use are required for our website to function correctly, these are the cookies issued by our servers and should not be disabled or blocked. In addition, our websites use third party cookies from Google Analytics for Display Advertisers using the Google Analytics Demographics and Interest Reporting - which gives us insight into behaviour information relating to visitor age, gender and interests on an anonymous and aggregate level. This will help us to understand our website users and their browsing behaviour, so we can use these insights to improve our information and services.
You can opt-out of Google Analytics cookies to prevent the use of activity tracking in Google Analytics.
Links to other sites
AFSA takes reasonable care in linking websites but has no direct control over the content of the linked sites, or the changes that may occur to the content on those sites. It is the responsibility of the user to make their own decisions about the accuracy, currency, reliability and correctness of information contained in linked external websites.
How you can access, and seek to correct, personal information we hold about you
If you would like access to personal information we hold about you, or to request that we correct that personal information, please contact us via our Contact details. In response to a request, we will provide access to, or amend or annotate, the information unless we consider there is a sound reason under the Privacy Act, Freedom of Information Act 1982, Bankruptcy Act, Personal Property Securities Act or other relevant law to withhold the information or refrain from amending it.
If we refuse access to personal information or to amend or annotate the personal information we hold about you, you may be entitled to seek a review of the decision under the Freedom of Information Act or make a complaint to the Australian Information Commissioner (see below).
If you have a query regarding privacy or wish to lodge a complaint regarding a breach of the Australian Privacy Principles please contact us via our Contact details. Please mark written correspondence “Attention: Privacy Officer”. Your issue or complaint will be referred to our Privacy Officer, who will provide you with a considered response.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) by:
- Telephone: 1300 363 992
- Email: firstname.lastname@example.org
- Post: The Office of the Australian Information Commissioner GPO Box 5218 Sydney NSW 2001
You may make a complaint to the OAIC without contacting us, but it is likely the OAIC will suggest you contact us in the first instance.
Sensitive information is a subset of personal information, which includes information or opinions regarding your racial or ethnic origin, your religious beliefs or affiliations, political opinions or affiliations, membership of a trade union or professional or trade association, your sexual orientation or practices, or your criminal record.
Permitted general situations include situations in which collection, use or disclosure of personal information may occur because:
it is unreasonable or impractical to obtain your consent and we believe it is necessary to lessen or prevent a serious threat to life, health or safety of an individual
we have reason to suspect that unlawful activity or misconduct of a serious nature relating to our functions has occurred or may be occurring and reasonably believe it is necessary in order to take appropriate action
we reasonably believe it is necessary to assist in locating a person who has been reported as missing
it is reasonably necessary to establish or defend a legal or equitable claim or
it is reasonably necessary for the purposes of a confidential alternative dispute resolution process.
Website: AFSA corporate enquiries form
Post: AFSA Service Centre GPO Box 1550 Adelaide SA 5001
Additional privacy information
Includes the use of Google Analytics, email addresses and links to other sites.
The following is additional privacy information about how we use this website:
In addition to web server logs, this website uses Google Analytics, a web analytics service provided by Google Inc. ('Google'). Reports obtained from Google Analytics are used to improve the efficiency and useability of this web site.
Google Analytics uses 'cookies' to help analyse how users use this site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted and stored by Google on servers in the United States.
Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.
Electronic mail addresses
We will only record your email address if you send us a message or if you subscribe to an email mailing list provided in this site.
Your email address will only be used for the purpose for which you provide it, and will not be added to a mailing list (other than one you have requested) without your consent. Email mailing list addresses are stored on a separate server and can only be accessed by authorised AFSA staff.
Links to other sites
This website contains links to other websites that are external to Australian Financial Security Authority (AFSA). AFSA takes reasonable care in linking websites but has no direct control over the content of the linked sites, or the changes that may occur to the content on those sites. It is the responsibility of the user to make their own decisions about the accuracy, currency, reliability and correctness of information contained in linked external websites.
Links to external websites do not constitute an endorsement or a recommendation of any material on those sites or of any third party products or services offered by, from or through those sites. Users of links provided by this website are responsible for being aware of which organisation is hosting the website they visit.