AIRPAY Financial Technologies Pty Ltd
Effective Date: 1 January 2024
1. Introduction
AIRPAY Financial Technologies Pty Ltd (ABN 99 615 157 572) (“AirPay”, “we”, “us” or “our”) is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose and store personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By using our services, visiting our websites or interacting with us in any way, you consent to the handling of your personal information in accordance with this Privacy Policy.
2. What Personal Information We Collect
We may collect the following types of personal information:
- Full name, email address, mobile number, residential and/or business address
- Identity information such as date of birth, passport or driver licence details
- Transaction records, payment history, and customer support queries
- Account credentials, login data and authentication information
- Device data, including IP address, operating system, and browser details
- Usage data including logs, cookies, and user interaction analytics
- KYC/AML documentation as required by AUSTRAC and the AML/CTF Act 2006
We do not collect sensitive information (such as biometric, health, political or religious information) unless required by law or with your consent.
3. How We Collect Your Information
We collect personal information directly from you when you:
- Register or create an account with AirPay
- Use our services or make transactions
- Contact our support team or interact with us via email, website or app
- Complete identification verification processes
- Participate in surveys, promotions or feedback channels
We may also collect information from third parties (e.g. credit reporting bodies, verification providers, government agencies) if permitted by law or with your consent.
4. Why We Collect, Use and Disclose Personal Information
We collect, hold and use your personal information for the following purposes:
- To provide and manage our payment, remittance, and digital services
- To verify your identity and comply with AML/CTF obligations
- To detect and prevent fraud, financial crime, or security threats
- To communicate with you and provide customer support
- To improve our products, services, security, and user experience
- To meet legal, regulatory or reporting requirements
- To send direct marketing messages (unless you opt-out)
We will not use your personal information for purposes unrelated to these without your prior consent.
5. How We Store and Protect Your Information
We store personal information in secure physical and electronic systems. We use industry-standard measures including:
- Encrypted data transmission (SSL/TLS)
- Access controls, firewalls, and user authentication
- Encrypted data storage and system audits
- Internal privacy governance, staff training and annual reviews
- Incident response plans for potential data breaches
If we become aware of a data breach involving your personal information, we will promptly investigate and notify affected individuals and regulators where required.
6. Disclosure of Personal Information
We will not sell or rent your personal information. We may disclose your personal information:
- To our employees, contractors, and service providers to deliver our services
- To regulators (e.g. AUSTRAC) to comply with legal obligations
- To third parties where disclosure is required by law or court order
- To financial institutions, auditors or fraud detection entities
- In the event of a merger, acquisition, or asset sale
- Where you have given express consent to do so
All third-party service providers are contractually bound to handle your data securely and only for authorised purposes.
7. Overseas Disclosure
Some of our service providers and systems may be located outside of Australia. In these cases, your personal information may be stored or processed overseas, including in jurisdictions such as the United States, Singapore, or the European Union.
Where data is disclosed to overseas recipients, we will take reasonable steps to ensure the recipient does not breach the APPs. By providing your personal information to us, you consent to such cross-border transfers.
8. Use of Cookies and Tracking
We use cookies and other tracking technologies on our website and applications to:
- Authenticate users and enhance account security
- Analyse usage and performance data
- Provide a more personalised experience
You can modify your browser settings to manage or disable cookies. However, some features of our services may not function properly without cookies.
9. Access, Correction and Your Rights
You have the right to request access to personal information we hold about you and to request corrections if it is inaccurate or out of date. To do so, please contact us via the details below.
We may require identity verification before processing your request. We may refuse access in limited circumstances, such as where required by law or to protect third-party privacy.
10. Direct Marketing
We may send you information about our services or promotions that we believe may interest you. You may opt out of receiving such communications at any time by:
- Clicking the “unsubscribe” link in emails
- Contacting our Privacy Officer at the address below
We will not sell or share your information with third parties for marketing without your consent.
11. Links to Third Party Websites
Our websites may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We recommend you review their privacy policies before providing any personal information.
12. Complaints and Contact Details
If you have concerns about how we handle your personal information or believe we have breached the Privacy Act, please contact us:
Privacy Officer
AirPay Financial Technologies Pty Ltd
Email: admin@airpayfintech.com
Phone: +61 2 8046 7682
Address: Tower One, 100 Barangaroo Avenue, Barangaroo NSW 2000, Australia
We will acknowledge and investigate your complaint promptly and respond in accordance with the Office of the Australian Information Commissioner (OAIC) guidelines.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will publish the latest version on our website with the “Effective Date” clearly noted. We will notify users of significant changes via email or prominent website notices.