Personal information includes information or an opinion about an individual that is reasonably identifiable. For example, this may include your name, age, gender, postcode and contact details. It may also include financial information.
We may collect the following types of personal information:
We will only collect sensitive information with your consent.
We may collect these types of personal information either directly from you, or from third parties. We may collect this information when you:
If you do not provide the information requested by us, we may not be able to provide you with our services.
There may be occasions when information is collected from third parties for example through our business partners or from a publicly maintained record. For example, we may collect location information through our app which you have downloaded on your mobile phone.
We collect your personal information to be able to provide our service to you including to enable us to verify your identity and details so we can provide our service to you.
We use your personal information for the purpose for which it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include using your personal information for the following purposes:
We and/or our carefully selected business partners may send you direct marketing communications and information about our financial products and services. This may take the form of emails, SMS, mail or other forms of communication, in accordance with the Spam Act 2003 (Cth) and the Privacy Act. By providing us with your personal information, you consent to us and our business partners using your information to contact you on an ongoing basis for this purpose, including by mail, email, SMS and telephone. You may opt-out of receiving marketing materials from us by contacting us using the details set out below or by using the opt-out facilities provided (e.g., an unsubscribe link).
We may use AppsFlyer and Hotjar, which are analytics solution. AppsFlyer provides attribution and marketing analytics services (“Services“) that enable advertisers and developers (collectively, “Customer(s)“) to: (i) measure and analyse the effectiveness of their marketing campaigns by understanding which marketing campaigns contributed to the download/installation of their mobile applications (“Applications“) or such other conversion metric (e.g. relaunch of Application); and (ii) measure and analyse certain events and actions within their Application or websites, such as in-app purchases made by End Users (as defined below). The Services also help our Customers identify and protect against fraudulent behaviour related to their marketing campaigns.
We may also disclose your personal information to a trusted third party who also holds other information about you. This third party may combine that information in order to enable it and us to develop anonymised consumer insights so that we can better understand your preferences and interests, personalise your experience and enhance the products and services that you receive. By providing us with your personal information, you consent to us disclosing your information to such entities without obtaining your consent on a case by case basis.
We may disclose personal information outside of Australia to our partners with locations in the US and the UK. When you provide your personal information to us, you consent to the disclosure of your information outside of Australia and acknowledge that we are not required to ensure that overseas recipients handle that personal information in compliance with Australian Privacy Law.
We may collect personal information about you when you use and access our app and website.
We may hold your personal information in electronic form and your personal information may be stored on behalf of third- party service providers. We take reasonable steps to protect your personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect yourpersonal information. Measures we take to protect your personal information include:
We do our very best to protect the security of your personal information.
You can access the personal information we hold about you by contacting us using the information below. Sometimes, we may not be able to provide you with access toall of your personal information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your personal information. If you think that any personal information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected. We will generally rely on you to assist us in informing us if the information we hold about youis inaccurate or incomplete.
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information or want to correct the information we hold about you, you can contact us using the details set out below. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.
Beforepay allows users to invite friends and family to sign up for our Services.Sometimes we offer a promotional value for every friend or family member who signsup through your referral link. To help you do this, we may request you to grant usaccess to your mobile device address book. You can then direct us to send referralemails to contacts you select in your address book. By sendinga referral, you alsoconsent to Beforepay sending your public profile image to the contacts you select toreceive a referral link. By choosing to invite a friend you represent that you havereceived the friend’s consent to provide his or her name and email address with us.Beforepay will use that information to send an email inviting him or her to visit thesite and will store that information to track the success of the referral program andmay send marketing emails. You can also send an SMS with a referral link to yourcontacts. If you use this option, you understand that Beforepay does not control thetiming, content, or recipients of these SMS messages.
Users may not send, publish, or share any false, misleading, or deceptivecommunications in connection with participation in the Referral Program. Suchactions may violate various federal, state, and/or international laws. Users may notsend any referral emails, SMS messages, or other communications to children underthe age of 18.
If you are referred to Beforepay through one of our referral programs, or if someoneattempts to refer you, we may share your name, whether you have already signed upfor Beforepay or not.
If you require further information about Privacy laws generally, please contact:
This document was last updated November 2020