How do we collect personal information?

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.

Why do we collect personal information?

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 personalized customer experience.

What if you don’t provide your personal information?

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

Disclosure of your personal information

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.
• organizations involved in a transfer or sale of our assets or business.
• financial institutions involved in managing our payments and money transfers, such as banks, post offices and other payment providers.
• regulatory bodies, government agencies, law enforcement bodies and courts.
• anyone to whom you authorize us to disclose it.
• delivery organizations involved in the delivery of your packages; and
• third-party lawyers.

Sending information overseas

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.

Your Rights

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

• 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:

• 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.