Privacy Consent Form

July 2024

By accepting this document, you consent to Press Pay AUS Pty Limited (ACN 648 761 773), Press Pay Australia Pty Limited (ACN 647 464 686) and our related businesses (PressPay, We, Us and Our) collecting, using, holding and disclosing personal and credit-related information about you.  

Personal information includes any information which may identify you, such as your name, date of birth, address, the number and ages of your dependants, and employment information.  If you use our website or mobile applications, we may collect information that relates to your location or activity, including IP address, use of third-party sites, and other user information.  

Credit-related information means both:

  • Credit information, which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, financial hardship information (including information that any repayments are affected by a financial hardship arrangement) and default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information; and publicly available information; and
  • Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.


We refer to personal information and credit-related information collectively as ‘information’ in this document.

You can find out more about how we deal with your privacy by viewing our Privacy Policy at https://presspay.com.au/privacy-policy. By accepting this document, you also consent  to the collection, use, holding and disclosure of your information as set out in the Privacy Policy.

If you do not consent to us collecting, using, holding and disclosing your information in accordance with this document, or do not provide us with your information, we may not be able to provide you with our services.

We may disclose your information to third parties, including credit reporting bodies (CRBs), in a form that may enable those third parties to identify you.  

We may disclose your information to overseas entities that may not be subject to privacy laws or principles that are similar to those that apply in Australia. If you provide us with this consent, you acknowledge that you may not be able to seek redress for any breach of your privacy which occurs outside of Australia.

If you have any questions or concerns about how we handle your information, please contact us by email at privacy@presspay.com.au or in writing at Suite 1, 185 Gloucester St, The Rocks, NSW 2000.   

How we handle your information 

You agree to us collecting, using, storing and disclosing information about you.  We can use your information to process your application for a product or services, to market products and services by us and by third parties, to verify your identity by using information held by a credit reporting body (CRB) and using other online resources, and to perform associated tasks.  We can also use your information to comply with laws (for example, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).  

We may collect your information from you or from third parties. 

Access to information and privacy and credit reporting policies 

You may gain access to the information we hold about you or obtain a copy of our Privacy Policy at https://presspay.com.au/privacy-policy/ or by contacting us at privacy@presspay.com.au.  Our Privacy Policy and the privacy policies of the insurers and CRBs we deal with contain information about how you may access or seek correction of your information, see how that information is managed, how to make a privacy-related complaint, and how that complaint will be dealt with.

Disclosure of information to CRBs 

We may give information about you to CRBs, including information about your credit worthiness. CRBs may include information about you in reports provided to other lenders to assist them to assess your credit worthiness.  We do not perform credit checks against your credit file with a CRB and our assessments do not impact your credit score. We may inform CRBs if you default, fail to meet your repayment obligations, or commit a serious credit infringement.  You can ask a CRB not to use a credit report about you for the purposes of pre-screening or direct marketing.  You can also ask a CRB not to use or disclose credit reporting information about you if you have reasonable grounds to believe that you have been, or are likely to be, a victim of fraud.

The CRBs we may share information with are:


Exchange information with other businesses 

We may give or receive information about you to the following types of businesses, some of which may be located overseas.  

  • prospective funders or other intermediaries in relation to your finance requirements; 
  • other organisations that are involved in managing or administering your finance, such as third party suppliers, printing and postal services, call centres, lenders, trade insurers and credit reporting bodies;
  • associated businesses that may want to market products to you;
  • companies that provide information and infrastructure systems to us;
  • our agents, contractors or external service providers to outsource certain functions, for example, statement production, debt recovery and information technology support;
  • any person who represents you, such as, lawyers, guardians, persons holding power of attorney and accountants; 
  • anyone where you have provided us consent; 
  • anyone who gains a controlling interest in our business or business assets by way of transfer, assignment or novation;
  • where we are authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), or by government and law enforcement agencies or regulators; 
  • investors, agents or advisers, trustees, rating agencies or any entity that has an interest in your finance or our business;
  • other financial institutions, for example to process a claim for mistaken payment;
  • organisations that provide products or services used or marketed by us; or
  • your employer, former employer, referees or identity verification services.


Customer identification

We may disclose your name, residential address and date of birth to a CRB or other organisation (including the document issuer or official records holder) to verify your identity.  That organisation will use this information to give us an assessment/report of whether or not the information we have matches information held by the organisation, and that may involve use of third party systems and services.  If we use these methods and are unable to verify your identity in this way, we will let you know.  We may also use information about your Australian Passport, state or territory driver licence, Medicare card, citizenship certificate, birth certificate and any other identification documents to match those details with the relevant registries using third party systems and to record the results of that matching.  This information may be transmitted to New Zealand.  

If you do not consent to us disclosing your information in this way, we will verify your identity in another way, which may involve requiring you to provide various supporting identification documents (either original or certified copies.

Overseas disclosure 

We and the businesses we disclose your information to may disclose this information to businesses located overseas, such as in the USA, Canada, India, Ireland, the United Kingdom or the Philippines.  Overseas entities may be required to disclose this information to relevant foreign authorities under a foreign law.  While we attempt to select and secure reputable offshore service providers, we are not liable for any breach or misuse of information sent offshore.  An overseas entity may not be subject to privacy laws or principles similar to those that apply in Australia.  Any information disclosed to an overseas entity may not have the same protection as under the Australian privacy law.  You may not be able to seek redress for any breach of your privacy which occurs outside of Australia.  If we disclose your information to entities that are located overseas, we will take reasonable steps ensure that the overseas entity does not breach the Australian Privacy Principles in relation to your information.

 

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