Privacy Policy
RuralPay ("we", "us", "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and the credit reporting provisions of that Act.
1. Information We Collect
Personal Information
We may collect the following types of personal information:
- Identity information (name, date of birth, driver's licence, passport)
- Contact information (address, email, phone number)
- Financial information (income, assets, liabilities, bank account details)
- Business information (ABN, business structure, trading history)
- Employment information (occupation, employer details)
- Credit information (credit history, credit scores, repayment history)
How We Collect Information
We collect personal information:
- Directly from you when you apply for our products or services
- From third parties such as credit reporting bodies and identity verification services
- From publicly available sources
- Through our website and digital platforms
2. How We Use Your Information
We use your personal information to:
- Assess your credit application and eligibility
- Verify your identity
- Provide and manage our products and services
- Process payments and transactions
- Communicate with you about your account
- Comply with legal and regulatory requirements
- Prevent fraud and manage risk
- Improve our products and services
- Send you marketing communications (with your consent)
4. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. Our security measures include:
- Encryption of data in transit and at rest
- Secure access controls and authentication
- Regular security assessments and testing
- Staff training on privacy and security
- Physical security of our premises
5. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, and reporting requirements.
Credit information is generally retained for the periods required under the Privacy Act, which may be up to 7 years after the relevant event.
6. Your Rights
You have the right to:
- Access - request access to your personal information
- Correction - request correction of inaccurate information
- Complaint - make a complaint about our handling of your information
- Opt-out - opt out of direct marketing communications
To exercise these rights, please contact us using the details at the end of this policy. We may need to verify your identity before processing your request.
8. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date.
We encourage you to review this policy periodically for any changes.
9. Contact Us
If you have any questions about this Privacy Policy, wish to make a complaint, or want to access or correct your personal information, please contact our Privacy Officer:
Privacy Officer
RuralPay
Email: privacy@ruralpay.com.au
Phone: 1300 XXX XXX
Post: [Address to be inserted]
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.