Privacy Policy

PaydayAU appreciates the importance of privacy to all of our visitors. We are committed to protecting your privacy and ensuring that use of our website and its facilities is a safe and useful.

We recognize the importance of protecting your privacy

and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site. This policy will be continuously assessed against new technologies, business practices and our customers' needs.

Fraud Prevention:

If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.

Consent for identity verification

If your personal information is provided to Other Parties, you also expressly acknowledge and consent to those Other Parties obtaining your personal information from, and exchanging your personal information with, third parties to verify the information you provide to us in the application form, and in order to for those Other Parties to meet identity verification and other obligations under the AML Act.

What Information Do We Collect?

When you visit this web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.

1. Personal Information You Choose to Provide

2. Registration Information

When you register for any of our products, services or newsletters you will provide us information about yourself.

PaydayAU appreciates the importance of privacy to all of our visitors. We are committed to protecting your privacy and ensuring that use of our website and its facilities is a safe and useful.

3. Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

4. Web Site Use Information

Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.

How Do We Use the Information That You Provide to Us?

When you provide your personal information through this website, PaydayAU.com.au collects your personal information and potentially sells it to providers of loan facilities and finance brokers. If you do not provide this information, PaydayAU.com.au will not be able to provide your contact information and other details to those potential providers of loan facilities and finance brokers. You can access your personal information stored by the PaydayAU.com.au by contacting feedback@pdbuk.com

In addition by providing your personal information to this website you have asked us to put you in touch with potential providers of loan facilities and finance brokers and lead providers. To that end, by clicking the privacy check box you consent to:

PaydayAU.com.au selling (for a fee) your personal information to potential finance brokers, providers of loan facilities and other lead providers; and
PaydayAU.com.au providing your personal information to third party credit providers and finance brokers which may provide you with offers or information on goods or services they may be able to provide to you; and
any personal information you provide to us (or give to any other third party consistent with this consent), and any other information about you (including any credit information), being sent or stored in the Australia.

Furthermore, by providing your e-mail address and other contact details in your online application and by clicking the privacy check box , you consent to the entities named here (DollarsDirect, PaydayMate and CashDoctors) contacting you by phone, mail or e-mail to:

assist you in completing your online application to their satisfaction; and
confirm and verify your personal information and identity; and
check why you have failed to complete the application form or other documents(for example to check if there were technical or other issues) ; and
market to you products and services you may like and provide you special offers and discounts.

In addition, by providing your personal information on this website, you have asked us to put you in touch with potential providers of loan facilities and finance brokers. Some of these finance brokers listed here (DollarsDirect, PaydayMate and CashDoctors) may conduct a credit check before deciding whether to assist you. By clicking the check box , you expressly:

acknowledge that for the purposes of the Privacy Act 1988 (Cwlth) the finance broker is acting as an agent of a credit provider
may give information about you (Credit Reporting Information) to a credit reporting agency to obtain a consumer credit report about you; and/or allow the credit reporting agency to create or maintain a credit information file containing information about you.

The Credit Reporting Information provided will be limited to identity particulars – your name, sex, address (and the previous two addresses), date of birth, name of employer, and driver's licence number.

We use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, , to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site's content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.

Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.

Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.

Sharing and Selling Information

We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the lenders who we work with. We may use statistical and email information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both PaydayAU and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.

What About Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.

What About Other Web Sites Linked to Our Web Site?

We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.

Please remember that when you use a link to go from our Website to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

Our Commitment To Data Security

Please note that your information will be stored and processed on our computers in the Australia. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

We have taken all reasonable care to preserve the security of personal information. PaydayAU is committed to regularly reviewing developments in security and encryption technologies. As no data transmission over the Internet can be guaranteed as totally secure, PaydayAU cannot guarantee the security of any information you transmit to us or from our online products or services and you do so at your own risk.

Choice/Opt-In/Opt-Out

This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

A Special Note About Children

Children are not eligible to use our services and we ask that children do not submit any personal information to us.

Acquisition or Changes in Ownership

In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.

Policy Modifications

We may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.