Privacy Policy

This Privacy Policy is designed to tell you what will happen to the information you provide through this website or through any other form of communication with us, Pixel Payments Pty Ltd (ABN 14 642 518 143), our wholly owned subsidiaries, or our agents or contractors.  Please be sure to read this entire Privacy Policy before using this website or submitting personal information to us or our agents or contractors.

Personal Information

This Privacy Policy concerns any personal information or sensitive information of yours which is provided to us. 

Personal information is any information about an identified individual or an individual who is reasonably identifiable, whether the information is true or not and whether the information is recorded in a material form or not.

Sensitive information is any personal information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, health, genetics, biometrics or biometric templates.  We generally do not wish to be informed of a person’s sensitive information.  We, in any event, will collect, use or disclose sensitive information about you only as allowed by law, for example where we have received your consent to do so or the collection is required by law.

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Your consent

By using this website or otherwise providing us directly, or through others, with your personal information, you agree with the terms of this Privacy Policy and consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy, the Privacy Act 1988 (Cth) as amended (including the Australian Privacy Principles) (the Act) and other applicable privacy laws.

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About children 

This website is not intended for children under the age of 18.  We will not knowingly collect information from website visitors in this age group.  We encourage parents to talk to their children about their use of the Internet and the information which they disclose to websites.

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Passive information collection

As you navigate through this website, certain information can be passively collected (that is, gathered without you actively providing the information) through various technologies, such as cookies, internet tags or web beacons and navigational data collection. 

This website may use and combine such passively collected anonymous information to provide better services to website visitors, customise the website based on your preferences, compile and analyse statistics and trends and otherwise administer and improve the website for your use.  Such information is not combined with personally identifiable information collected elsewhere on the website unless you have consented.

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How we collect your personal information 

We collect personal information that is necessary for our business activities and in order to provide and develop our services.  We may do this in a number of ways, including:

• directly from you, when you provide it to us or our agents or contractors;
• from publicly available resources;
• by analysing our own records of your use of our services and website; or

We also may collect your personal information when legally required to do so under laws such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). 

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What personal information do we collect and why?

The type of personal information we collect may include your full name, date of birth, age and demographic information, address, postcode, telephone number, email address, Internet Protocol (IP) address, drivers licence details, credit card information and information about your transactions and what services and products you use or purchase. If we are not provided with the personal information that we request, we may not be able to meet your request or provide our products or services to you.

The personal information you provide us may be used for a number of purposes connected with our business operations, which include to:

• verify your identity;
• facilitate provision of our products and services to you;
• comply with our anti-money laundering and counter-terrorism legal obligations;
• conduct anti-money laundering checks (through a third-party provider); 
• recover amounts owed by you where you use our Backpocket Split Now Pay Later (Backpocket SNPL) service; 
• address or respond to any requests from you;
• inform you of existing and proposed products and services which we provide;
• better understand your needs in the area of payment technology services;
• develop and improve the quality and scope of the products and services we provide and seek your feedback; 
• meet our obligations in relation to external payment system providers; and
• manage our relationship with you.

Your personal information may be used so that we, our wholly owned subsidiaries, agents and contractors can provide you with information about our products and services, such as by way of direct mail or telemarketing, and, where you have opted in, by email, SMS and MMS, or to request your feedback for promotional purposes.  You always have the right to opt-out of receiving such information.  You may exercise that right by contacting us as set out below.

We may also use your personal information for purposes related to those described above which would reasonably be expected by you.

We will not use your information for purposes other than those described above unless we have your consent or as permitted by law (including for law enforcement or public health and safety reasons).

More information about the digital information we collect is available in the Privacy Collection Notice.

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Sharing your personal information

We may disclose your personal information in certain circumstances, such as where we are required or authorised by law or where you have consented to us doing so.

We also may disclose your personal information to:

• others in accordance with a request made by you;
• our related companies and business partners; and
• persons engaged in providing us with professional, business, technology and corporate services, when reasonably required.

When making such a disclosure we will take reasonable steps to ensure that the recipient is bound by privacy obligations.

Unless you consent, we otherwise will not disclose your personal information to third parties.

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Does my personal information leave Australia?

We will only send your personal information outside Australia:

• if we are authorised to do so by law;
• for any of the purposes set out in this Privacy Policy (but only to parties that are subject to obligations in relation to personal information no less onerous than those in this Privacy Policy); or 
• if you have consented to us doing so.

In the course of our ordinary business operations we commonly disclose personal information to third parties located in the following countries:

• United States of America. 

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Access and correction

You may request access to any of the personal information we hold about you by contacting us as specified below.  We reserve the right to charge a reasonable fee for the costs of retrieval and supply of any requested information.

We will take all reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up to date.  To ensure your personal information is accurate, please notify us of any errors or changes to your personal information and we will take appropriate steps to update or correct such information in our possession.

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Storage and security

We will take all reasonable precautions to safeguard your information from loss, misuse, unauthorised access, modification, disclosure or destruction.  We may store your files electronically or in hardcopy form (stored securely on our premises or stored offsite in secure facilities). We implement a range of physical and electronic security measures to protect the personal information that we hold, including SSL Protocol and encryption. 

You should keep in mind that no internet transmission is ever completely secure or error-free.  In particular, e-mails sent to or from this website may not be secure.

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Links to other websites

This website may contain links or references to other websites to which this Privacy Policy may not apply.  You should check their own privacy policies before providing your personal information.

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Notifiable Data Breaches scheme

In the event of any loss or unauthorised access or disclosure of your personal information that is likely to result in serious harm to you, we will:

• investigate; and
• notify you and the Australian Information Commissioner as soon as practicable, 

in accordance with the Act.

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Complaints

If you have any questions or concerns about our collection, use or disclosure of personal information, or if you believe we have not complied with this Privacy Policy or the Act, please contact us as set out below.  Our Privacy Officer will investigate the complaint and determine whether a breach has occurred and what action, if any, to take. 

Pixel Payments Pty Ltd will take any privacy complaint seriously and will aim to resolve any such complaint in a timely and efficient manner, and our target response time is 30 days. 

Pixel Payments Pty Ltd expects our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied, you can also make a formal complaint with the Officer of the Australian Information Commissioner (which is the regulator responsible for privacy in Australia):

Office of the Australian Information Commissioner (OAIC)

Complaints must be made in writing:

Phone: 1300 363 992

Director of Compliance  

Office of the Australian
Information Commissioner
GPO Box 5218
Sydney NSW 2001

www.oaic.gov.au

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How to contact us

If you wish to exercise your right to opt-out of receiving our marketing materials, or you have any questions or concerns about this Privacy Policy or our information practices (including whether and what type of health information we hold about you), please contact us at:

support@backpocket.com.au 

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Changes to this Privacy Policy

Our Privacy Policy may change from time to time as updated on this website.  Before providing us with personal information, please check this Policy on our website for any changes.

This Privacy Policy was last updated May 10th, 2022.