Privacy
At Qpay we are committed to ensuring that your personal information is
protected.
Our Privacy Policy details how we collect use and disclose your personal
information so that you are confident that any of your personal information
entrusted to us is treated with the appropriate degree of privacy.
• Who is Qpay?
• What does "personal information" mean?
• Why we collect your personal information
• How do we collect your personal information?
• How we use your personal information
• Direct marketing
• Do we disclose your personal information to anyone?
• Ensuring your personal information is up-to-date
• Is my personal information secure?
• Can I access the personal information Qpay holds about me?
• Can my request for access to my personal information be denied?
• What is a Commonwealth identifier?
• Do I have to be identified at all?
• Does my personal information leave Australia?
• Sensitive information
• Access to our services via the Internet
• Our Privacy Policy may change from time to time
• Concerns or requests for access?
• Can I complain about a breach of my privacy?
• What if I am not satisfied with Qpay's response?
Who is Qpay?
• Qpay is Qpay Pty Ltd – an Australian registered Company.
• Our ABN is 85 115 833 808
• We provide the ability for you to buy things simply by using your mobile
phone
• We also provide you with a voucher each week to the value of at least
$5. This voucher comes as an SMS – or may come via Email
What does "personal information" mean?
Personal information is any information that identifies you or by which your
identity can be reasonably determined.
Why we collect your personal information
The collection, use and disclosure of your personal information by Qpay is
essential to enable us to conduct our business of offering and providing our
mobile phone payment capability and SMS and Email vouchers.
By collecting your personal information we can generally administer our
relationship with you which may include,
• establishing and administering products and services;
• determining your requirements and providing the appropriate product
or service;
• knowing where to deliver purchases you have made
• Understanding things you like to buy so we can tailor your SMS and
Email vouchers to be of more interest to you
• identifying you and protecting you from unauthorised access to your
personal information, accounts or services;
• satisfying our legal obligations in respect to customer identification.
Without collecting and making use of your personal information, we may not
be able to interact or do business with you.
How do we collect your personal information?
Where possible we collect your personal information directly from you.
Collection may take place in a number of ways such as when you register with
Qpay or request a product or service over the telephone or Internet.
Often personal information is collected during the course of our relationship
with you. Examples of personal information collection during our relationship
may be when you advise us of a change in your contact details, make a
purchase or redeem an SMS or Email voucher.
Sometimes personal information may be collected about you from other
sources. Examples of where we may receive personal information about you
from another source and why this may happen are,
• publicly available sources of information such as telephone directories
in the course of identification verification;
• market research organisations for the purpose of product development
or marketing.
In most cases we will require you to specifically acknowledge any collection,
use or disclosure of your personal information by Qpay. Your
acknowledgment will usually be required in writing or by a specific act such as
when you click an acknowledgment on our Internet sites however verbal
acknowledgment may also be appropriate in certain circumstances.
Sometimes however your consent or acknowledgment may be implied
through your conduct such as,
• when you continue a telephone call to our Call Centre after you have
heard a recorded message that tells you that the call may be recorded;
• when you provide us with information that we have not specifically
requested.
However, no matter how your personal information is collected it is dealt with
by Qpay in accordance with this Privacy Policy.
How we use your personal information
We use the personal information that we collect so that we can conduct our
business of providing financial products and services and to administer and
enhance the relationship we have with you.
Direct marketing
From time to time we may use your personal information to provide you with
SMS or Email vouchers for savings and discounts that we deem will be of
more interest to you.
If you do not wish us to send you SMS vouchers, you will need to close your
Qpay account by calling us on 1800 456 289.
Once you close your Qpay account with us, we will not send you any further
material.
You can, however, change your mind about receiving information about our
products and services at any time by re-opening your account- either way,
you just need to let us know.
Qpay does not disclose your personal information to a party outside Qpay for
the purposes of allowing that party to direct market its products or services to
you.
Often the law requires us to provide you with certain information about the
product or service that you receive from us. You will continue to receive this
type of information from us even if you have decided not to receive
information about our products and services generally.
Do we disclose your personal information to
anyone?
Qpay may disclose your personal information in certain circumstances.
Sometimes we are required or authorised by law to disclose your personal
information. For example, we may disclose your personal information to a
Court in response to a subpoena or to the Australian Taxation Office following
a direction issued under taxation laws.
We may also disclose your personal information where you have consented to
us doing so. Where you make a purchase using Qpay that requires a delivery,
we will disclose your name, mobile phone number and address to our
merchant. Whenever we disclose information to a merchant it is similar to the
information the merchant would otherwise get from you if you were to pay by
other means. If for example, you were to pay for something over the counter
by cash, the merchant would not have any information about you, only about
what they sold you. If you were to make the same purchase by Qpay, we
would not give the merchant any information about you. If, however, you
purchased something you saw on a TV advertisement by credit card, you
would have to give the merchant your name, address and phone number so
they can deliver the item to you. So too, if you made that purchase using
Qpay, we would give the merchant your name, address and mobile phone
number. We will give out the same information about you to a merchant
reasonably required for any other purchase mechanism. We will not however,
give out your credit card, debit card or banking information to a merchant or
any third party.
Your consent to the disclosure of your personal information may be given
explicitly either in writing or verbally or it may be implied from your conduct
such as when you discuss details of the relationship you have with us publicly
with the media.
Generally however we do not disclose your personal information to a party
outside Qpay, unless that party is providing administrative services or
activities to Qpay, or on its behalf, and that party is bound by the same
privacy rules we follow.
Ensuring your personal information is up-todate
We rely on the personal information we hold about you to efficiently
administer our relationship and conduct our business of providing financial
products and services.
For this reason, it is very important that the personal information we collect
from or about you is accurate, complete and up-to-date.
During the course of our relationship with you we will ask you to tell us of any
changes to your personal information however you can contact us at any time
to update your personal information or to tell us that the information we hold
about you is inaccurate or incomplete.
Is my personal information secure?
The protection of your personal information is a priority for Qpay.
This is why we take all reasonable precautions to safeguard your personal
information from loss, misuse, unauthorised access, modification or
disclosure.
We employ a number of means to protect your personal information including,
• external and internal premises security;
• restricted access to personal information;
• entering into confidentiality agreements with all employees, contractors
and third party organisations that may have access to your personal
information;
• having in place stand-by systems to deal with major business
interruptions;
• maintaining technology products to prevent unauthorised computer
access;
• regular reviewing and testing of our technology in order to improve the
level of security;
• the use of technology to capture your PIN and secret answer.
Furthermore, when we no longer require your personal information it is our
practice to securely destroy or delete the information from our systems.
Qpay may be required by law to retain your personal information for a period
of time after you have ceased your relationship with us. After the required time
has passed we attend to the secure destruction or deletion of your personal
information.
Can I access the personal information Qpay
holds about me?
You may request access to any of the personal information we hold about
you.
In most cases, a summary of personal information such as your name and
address details, contact telephone numbers, policy numbers, policy cover and
the products and services you have with us is freely available for you to view
by logging in to our website using your username and password or by calling
Qpay on 1800 697729
For more detailed requests for access to personal information, for example,
access to information held in archives, a fee may be charged to cover the cost
of retrieval and the supply of this information to you.
All requests for access to personal information will be handled as quickly as
possible and we shall endeavour to process any request for access within
thirty (30) days of having received the request. Some requests for access may
take longer than thirty (30) days to process depending upon the nature of the
personal information being sought.
Can my request for access to my personal
information be denied?
Qpay is not always required to provide you with access to your personal
information upon your request.
We may refuse you access to personal information in a number of
circumstances such as where the information may relate to existing or
anticipated legal proceedings with you, where denying access is required or
authorised by law, or where the request for access is regarded as frivolous or
vexatious.
If we deny your request for access to, or refuse your request to correct your
personal information, we will explain why.
What is a Commonwealth identifier?
A Commonwealth identifier is a Commonwealth Government or
Commonwealth Government agency designated identification number such
as your Tax File Number (TFN) or Medicare number.
Qpay does not use Commonwealth identifiers as a means of identifying the
personal information that we may have collected about you.
We only use Commonwealth identifiers as a means by which you may prove
your identity, for example when you are establishing a new account with us or
for purposes required by law such as if we are required to supply your TFN to
the Australian Taxation Office.
Do I have to be identified at all?
It may not always be not possible for us to do business with you unless we
have identified you and in some cases, such as when you wish to open a new
account with us, the law may require that you identify yourself to us.
Wherever it is lawful and practicable to do so, we may offer you the
opportunity to deal with us anonymously. For example, when making an
inquiry about Qpay fees or the type of products or services we offer or when
you are browsing our Internet sites.
Does my personal information leave Australia?
Qpay may send personal information outside Australia in circumstances that
may include where,
• you have requested that we do so;
• we outsource an activity or function to an overseas contractor with
whom we have a contractual arrangement;
• it is necessary in order to facilitate a transaction on your behalf.
Qpay does not send personal information outside Australia unless it is
authorised to do so by law.
Sensitive information
If personal information concerns particular topics it is regarded as sensitive
information.
Sensitive information can be 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 preferences or practices
• criminal record
• health
Qpay only collects, uses or discloses sensitive information in circumstances
that include where,
• we have received your consent to do so;
• it is necessary for our business purposes and is allowed by law;
• it is necessary for the establishment, exercise or defence of a legal
claim.
Access to our services via the Internet
We understand that you may have concerns about the personal information
collected about you online or the security of your personal information that
may be exchanged between us online.
Information collected about you online
The only personal information Qpay collects from you online, either via Qpay's
Internet sites or through e-mail transmission is your IP address and also
personal information that you choose to submit to us in this manner.
Qpay does not collect personal information from you online without your
knowledge.
Qpay's Internet sites rely on "cookies" to provide a number of services to you.
A cookie is a piece of data that an Internet site can send to your browser,
which may then be stored on your computer. Cookies generally allow the
Internet site you are browsing to interact more efficiently with your computer.
Usually you can set your browser to notify you before you receive a cookie so
that you can decide whether to accept it however sometimes not accepting a
cookie may affect your use of an Internet site.
If your computer does not accept Qpay cookies, you may not be able to make
full use of our Internet sites. For example, to use the Qpay Login, your
computer must accept Qpay's cookies.
The cookies used by Qpay are not used to track your browsing habits and
Qpay does not seek to identify any person browsing its Internet sites.
When you are browsing a Qpay Internet site a cookie is placed onto your
computer. This cookie does not collect any personal information about you,
but it may collect information such as the type of operating system on your
computer. Qpay uses these cookies to collect statistical information such as
how many visitors our Internet sites receive and how these users interact with
the site. Qpay gathers this information to maintain and improve upon the
operation of our Internet sites.
If you logon to a Qpay Internet site (for example, Qpay Login), a different type
of cookie is placed onto your computer that is necessary to identify you
throughout your session. Once you have logged out, the cookie is no longer
active.
Security of your personal information online
Qpay maintains technology and procedures no less than industry standard in
respect to its information management and provision of online services. These
measures are revised and updated to ensure we continually maintain and
improve our level of security.
Transactions involving the submission of personal information over the
Internet to Qpay using one of our online forms via Qpay's Internet sites use
encryption technology to ensure the security of that personal information
transmission.
Once received by Qpay your personal information is stored and protected by
a range of security controls including system firewalls and user identification
requirements and audit trails. Qpay's systems and information technology
infrastructure are regularly audited both by internal experts.
Unless our e-mail transmission is made via Qpay's "Secure Messages" or
otherwise secured using encryption techniques, Qpay does not transmit your
personal information by e-mail externally unless you have consented to such
transmission either expressly or impliedly through your interaction with us.
An example of where you may impliedly consent may be when you e-mail us
your personal information and require a response using the same medium or
when you raise no objection to our advised, intended communication with you
or a third party in this manner.
Our Privacy Policy may change from time to
time
Qpay constantly reviews all its policies and procedures to keep up to date with
changes in the law, technology and market practice.
As a result we may change this privacy policy from time to time.
This Privacy Policy was last amended on 29th March 2007.
Concerns or requests for access?
If you have a question about this Privacy Policy or wish to lodge a request to
access your personal information you can contact us in any of the following
ways,
• By visiting our website at http://www.myqpay.com
• By telephoning 1800 456 289
• By writing to Qpay
Privacy Information
3/2 Pittwin Street North, Capalaba Qld 4157
Can I complain about a breach of my privacy?
If you believe that Qpay has not protected your personal information as set
out in this privacy policy you may lodge a complaint with us in any of the
following ways,
• By visiting our website at http://www.myqpay.com
• By telephoning 1800 456 289
• By writing to Qpay
Privacy Information
3/2 Pittwin Street North, Capalaba Qld 4157
What if I am not satisfied with Qpay's response?
If you are not satisfied with the result of your complaint to Qpay you can refer
your complaint to the Federal Privacy Commissioner.
You can contact the Federal Privacy Commissioner,
• By telephoning 1300 363 992
• By writing to Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney, NSW 1042