September 2023
This privacy policy applies 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).
PressPay respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). This policy sets out how we collect, use and disclose your personal information and credit-related information.
‘Personal information’ is the information we hold which is identifiable as being about you. This information may include information or an opinion about you.
‘Credit-related information’ means:
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), 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.
This Privacy Policy applies when you visit one of our websites or a registration of an account is completed by you, in relation to any of our products or services.
PressPay will receive and store the personal information you enter onto our website, provided to us directly or given to us in other forms which may include from third parties such as your employer or banking institution. We may collect personal information such as your name, date of birth, address, phone number, email address, driver’s licence, Medicare and passport details, bank account details, employment and income details as well as any other information we may need to identify you. We collect personal information for the purposes of assessing your application for our products and services, establishing your identity, contacting you, managing our risk and to comply with our legal obligations.
PressPay collects personal information from you in a variety of ways, including when you interact with us electronically or in person, when you access our website and when we provide our services to you. We may receive personal information from your employer and third parties. If we do, we will protect it as set out in this Privacy Policy and relevant privacy laws.
PressPay may use personal information collected from you or through third parties to:
Provide you with information, updates, and our services;
Verify your identity (to ensure we know who you are), which may include checking with the document issuer or official record holder via third party systems;
Make you aware of new and additional products, services, and opportunities available to you; and
Use your personal information to improve our products and services and to better understand your needs.
PressPay may contact you through a variety of methods including, but not limited to email, SMS, other forms of digital communications or telephone and mail.
As part of our Services to you, we as well as our business partners from time to time may send you direct marketing information and/or offers about other products and services which may be of interest to you in accordance with the relevant laws and regulations. You are under no obligation to take up or use any of the products or services and if you wish to stop receiving this information you can unsubscribe directly from the communication you have received or inform us by using the contact information found at the end of this policy.
We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) and the Anti-Money Laundering and Counter-Terrorism Act 2006. As a result, we may be required to store and retain personal information including transaction history for up to 7 years after you stop being a customer of ours in order to meet our legal obligations.
The personal information we hold about you may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store this personal information. The cloud storage and the IT servers may be located outside Australia.
Any personal information you provide about other individuals will be treated in accordance with this Privacy Policy. We may use this information to support the services we provide to you, and also enable us to contact individuals via messages (e.g. SMS, messaging platforms), email, phone, and any other reasonable means to make product recommendations, reminders, and notifications about our services.
Your personal Information may be disclosed by us:
To prospective funders or other intermediaries in relation to your finance requirements;
To 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;
To associated businesses that may want to market products to you;
To companies that provide information and infrastructure systems to us;
To our agents, contractors or external service providers to outsource certain functions, for example, statement production, debt recovery and information technology support;
To any person who represents you, such as, lawyers, guardians, persons holding power of attorney and accountants;
To anyone where you have provided us consent;
To 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;
To investors, agents or advisers, trustees, rating agencies or any entity that has an interest in your finance or our business;
To other financial institutions, for example, to process a claim for mistaken payment;
To organisations that provide products or services used or marketed by us; or
To your employer, former employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) The person or organisation has a commitment to protecting your personal
information at least equal to our commitment; or
(b) You have consented to us making the disclosure.
We may disclose credit-related information for the purposes of managing your account. Usually, credit-related information is exchanged between credit and finance providers and credit reporting bodies. We do not collect your credit-related information from credit reporting bodies. We may disclose your credit-related information if you default on your obligations to us.
The credit-related information we hold about you may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store this credit-related information. The cloud storage and the IT servers may be located outside Australia.
We and the businesses we disclose your personal information and credit-related 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.
PressPay is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss, unauthorised access, modification, and disclosure. The transmission and exchange of information is carried out at your own risk. While PressPay will make every effort to safeguard and secure the information we hold, we cannot guarantee the security of any information that you transmit to us or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that the personal information that we collect will not be disclosed in a manner that may be inconsistent with this Privacy Policy.
The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit-related information. You may request to have these notifiable matters (and this policy) provided to you in an alternative form.
We exchange your credit-related information with credit reporting bodies. We use the credit-related information that we exchange with credit reporting bodies to confirm your identity, and assist us with managing your account e.g. if you default on your repayments to us. The information we may disclose with credit reporting bodies includes your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations, whether you have entered into a financial hardship arrangement, and if you have committed a serious credit infringement (such as fraud).
If you fail to meet your payment obligations in relation to your account with us, or if you have committed a serious credit infringement, we may disclose this information to a credit reporting body.
You have the right to request access to the credit-related information that we hold about you and make a request for us to correct that credit-related information if needed. See ‘Accessing and correcting your personal information and credit-related information’ below for further information.
Sometimes your credit-related information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting bodies at any time to request that your credit-related information is not used in this way.
You may contact the credit reporting bodies to advise them that you believe that you may have been a victim of fraud. Credit reporting bodies must not use or disclose your credit-related information for a period of 21 days after you notify them that you may have been a victim of fraud.
You can contact any of the following credit reporting bodies for more information:
Equifax Pty Limited | website: www.equifax.com.au | phone: 13 83 32 | Privacy Policy: https://www.equifax.com.au/privacy.
Illion (Australia) Pty Limited | website: www.illion.com.au | phone: 13 23 33 | Privacy Policy: https://www.illion.com.au/privacy-policy.
Experian Australia Credit Services Pty Limited | website: www.experian.com.au | phone: 1300 783 684 | Privacy Policy: https://www.experian.com.au/privacy-policy-terms-conditions.
You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act 1988 (Cth). A small administrative fee may be payable for the provision of information to recover any costs that we may incur. If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant, or misleading, please contact us immediately. If appropriate, we will to assist you in correcting the personal or credit-related information at the time of your request, where we are able to do so. Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected your personal or credit-related information within 30 days.
There may be situations where we are not required to provide you with access to your personal or credit-related information, for example, if the information relates to existing or anticipated legal proceedings, if your request is vexatious, or if the information is commercially sensitive. If we deny you access to the personal or credit-related information we hold about you, we will explain why.
We take complaints very seriously and will ensure we respond to your complaint in a timely manner. If you have any complaints about our products or services including our privacy practices, we will acknowledge your complaint within seven days and aim to resolve the complaint as quickly as possible. We will provide you with a decision on your complaint within 30 days If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, AFCA, which can be contacted on 1800 931 678 or the Office of the Australian Information Commissioner, which can be contacted at www.oaic.gov.au or 1300 363 992.
Please refer to our Complaints Policy for further information.
With advancements in technology, changes to the law as well as changes to the products and services we may offer, we may make changes to this Privacy Policy from time to time as the need arises. Any changes made will be posted to our website and will be effective immediately from the date it is posted.
When you visit our website or affiliate sites we may collect certain information such as browser information, ip address, device information, geographic information, usage statistics, marketing and behavioural information. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.
We may from time to time use cookies on our website. Cookies are very small files that a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may use cookies to analyse website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third-party services such as Google and Facebook. These ads may appear on this website or other websites you visit.
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. If you have accessed third-party websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties. Links to third-party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that PressPay is not responsible for the privacy practices of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that may collect personal information.
To contact us regarding our privacy policy, refer to the details below:
Email: privacy@presspay.com.au
Writing: Suite 1, 185 Gloucester St, The Rocks, NSW 2000.
