Privacy Policy

We generally collect personal information directly from you. For example, personal information will be collected through our application processes, forms and other interactions with you in the course of providing you with our products and services, including when you visit our website, call us, email us or send us correspondence. Sometimes we may collect personal information about you from a third party, such as referrers, marketing agencies or identity verification service providers.

We collect and hold personal information about you so that we can:
• provide you with our products and services, including our money transfer and package delivery services;
• verify your identity and the fund recipient’s identity;
• identify where funds and packages should be sent, and to whom;
• let you know about other products or services we offer, send you information about special offers or invite you to events;
• protect our business and other customers from fraudulent or unlawful activity;
• consider any concerns or complaints you may have;
• comply with relevant laws, regulations and other legal obligations in Australia and Indonesia including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006;
• help us improve the products and services offered to our customers; and
• provide a personalised customer experience.

If you do not provide us with the personal information we request, we may not be able to provide you with our products or services, or meet your needs appropriately.

We may disclose personal information to:
• our related entities;
• identity verification service providers;
• an agent, professional advisor or service provider we engage to carry out our functions and activities, such as accountants;
• organisations involved in a transfer or sale of our assets or business;
• financial institutions involved in managing our payments and money transfers, such as banks and post offices;
• regulatory bodies, government agencies, law enforcement bodies and courts;
• anyone to whom you authorise us to disclose it;
• delivery organisations involved in the delivery of your packages; and
• third-party lawyers.

We are likely to disclose your personal information to recipients in Indonesia. We store personal information overseas using ‘cloud’ accounting software. These servers are located in the United States of America.

We also store client correspondence on servers located in the United States of America, which may contain personal information.

We will not disclose your personal information to overseas recipients without your consent unless:

We may disclose personal information to:
• we have taken reasonable steps to ensure that the recipient does not breach the Privacy Act 1988 (‘Privacy Act’), or the Australian Privacy Principles (‘APPs’); or
• the recipient is subject to a similar information privacy regime.

Our Privacy Policy contains information about how:

We may disclose personal information to:
• you may access the personal information we hold about you;
• you may seek the correction of your personal information; and
• you may complain about a breach of the Privacy Act, including the APPs; and
• we will deal with a privacy complaint.