Compliance • InDebted (New Zealand)


We lead the industry with compliance secured by code, international quality and information security certifications, and a compensation model that rewards great customer experience, not dollars collected.

InDebted is committed to compliance with all applicable state and federal legislation, industry codes of conduct, and industry best practice. This includes the National Credit Code, the Privacy Act and National Privacy Principles, the Federal Trade Practices Act, the ASIC / ACCC Debt Collection Guideline and the Banking Code of Practice.
InDebted maintains the appropriate licences to conduct its business in the regions we operate in, and operational staff receive full training in all aspects of compliance with the legal and regulatory requirements of the industry.
InDebted is actively involved in the ongoing development of the industry through our participation in industry governing bodies and professional associations such as The Institute of Mercantile Agents (IMA).
InDebted actively disencourages compensation models that promote non-compliant behaviours. As such, no member of our team is in anyway incentivised based on recovery performance and instead, our customer facing staff are incentivised based on customer experience.
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Compliance Firewall
Our proprietary technology includes a compliance firewall which secures local regulatory compliace by code.
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Secure Facility
We have a secure physical office environment with strict document retention and funds management procedures.
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Access Controls
Sensitive customer data is protected by a select group of individuals on our team and actions are written to an immutable log.



InDebted is accredited under ISO 27001, the international standard for information security management.
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InDebted is accredited under ISO 9001, the international standard for quality management systems.
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InDebted has completed an attestation of compliance and ensures secure payments through compliant processors.
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InDebted is a member of the Australian Financial Complaints Authority, member number 71939.
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InDebted is licensed as an Australian Credit Licensee puruant to the National Consumer Credit Protection Act 2009.
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