This policy explains what you can expect from us and what we need from you in relation to your personal data. Please read this carefully as this policy is legally binding when you use our Services.
For the purpose of the relevant data protection regulations, Instant Pay Pty Ltd are the “data controller” of your information. If you have any questions about how we protect or use your data, please email us at info@instantpay. net.au
How do we protect your personal information
We are serious about guarding the security of your personal information and use a secure server to store your personal information. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted.
As you will know, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We restrict access of your personal information to those employees of Instant Pay who have a business reason for knowing such information. We continuously educate and train our employees about the importance of confidentiality and privacy of customer information. We maintain physical, electronic and procedural safeguards that comply with the relevant laws and regulations to protect your personal information from unauthorised access
Information we may collect from you
We may collect and use the following data about you:
Information you give us.
(a) You may give us information about you when you use our service, e.g. when you provide us with your personal details, such as your name, phone number and email address. By completing a transaction with Instant Pay we will also retain yobur anking name, your BSB and Account number. We may also retain details about your items for purchase.
(b) We may also need additional commercial and/or identification information from your e.g. if you send or receive certain high-value or high volume transactions or as needed to comply with our anti-money laundering obligations under applicable law
Information we collect about you. With regard to your use of our Services we may automatically collect the following information:
(a) details of the transactions you carry out when using our Services, including geographic location from which the transaction originates;
(b) technical information, including the Internet protocol (IP) address used to connect your computer to the 3 Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
(c) information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.
Information we receive from other sources. We do not receive or pursue any other information about you from other sources
Uses made of the information
We use your information in the following ways:
(a) to carry out our obligations relating to the transaction you are completing with the merchant.
(b) to comply with any applicable legal and/or regulatory requirements;
(c) to notify you about changes to our Services;
(d) as part of our efforts to keep our Services safe and secure;
(e) for internal operations, including troubleshooting, data analysis, testing, research, statistical purposes;
(f) to improve our Services and to ensure that they are presented in the most effective manner;
Disclosure of your information
We may share your information with selected third parties including:
(a) affiliates, business partners, suppliers and sub-contractors for the performance and execution of any contract we enter into with them
(b) our group entities or subsidiaries
We may disclose your personal information to third parties:
(a) in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
(b) if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or to protect the rights, property, or safety of Instant Pay, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction;
(c) to assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;
(d) to prevent and detect fraud or crime;
(e) in response to a subpoena, warrant, court order, or as otherwise required by law;
(f) to assess financial and insurance risks;
(g) to recover debt
If you would like further information about who we have shared your data with, or to be provided with a list specific to You, you can request this by writing to firstname.lastname@example.org
Where we store your personal data
Automated Decision Making
As part of being a highly technical and innovative company, we may use Automated Decision Making (ADM) in order to improve your experience, or to help fight financial crime. None of our ADM processes have a legal effect on you.
Instant Pay is required by law to store some of your personal and transactional data beyond the date of use of our services. Your data is only accessed if required by law or compliance purposes.
You have the right to correct any personal information We hold on you that is inaccurate, incorrect, or out of date.
You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which Instant Pay is subject to.
Access to information
Subject to applicable laws, you may have the right to access information we held about you. Your right of access can be exercised in accordance with the relevant data protection legislation.