The privacy of your Personal Information is important to Amalagam Holdings Pty Ltd ACN 643 971 439 trading as Qubix Money (we, us or our). We respect your rights to privacy and rights under the Privacy Act and are committed to complying with the requirements of the Privacy Legislation in the collection and handling of your Personal Information.
This policy explains how we collect, retain, process, share, transfer and handle your Personal Information and describes the kinds of Personal Information we collect, use, disclose and our purposes for doing so.
We use some defined terms in this policy which are set out at clause 11 below.
Personal Information is information which may be used to reasonably identify you. For example, your name, address, date of birth, gender, email address, telephone number are generally considered to be Personal Information. Personal Information may include information we collect about your individual preferences. We do not collect any sensitive Personal Information about you.
This policy applies to your Personal Information when you use our Platforms and interact generally with us but does not apply to Third Party Sites. We are not responsible for the privacy policies or content of Third Party Sites.
For the avoidance of doubt, unless stated otherwise, this policy will govern our collection of your Personal Information irrespective of the place where it is collected.
This policy may be updated from time to time and the most up to date version will be published on our Website. We encourage you to check our Website periodically to ensure that you are aware of our current policy.
When you visit our Platforms, we collect Personal Information so that we can provide you with products and services and improve and customise your experience with us. We only collect Personal Information if it is reasonably necessary for us to carry out our functions and activities.
The purposes for which we collect and hold your Personal Information include:
The kinds of Personal Information we collect will depend on the type of interaction you have with us. Generally, the kinds of Personal Information we collect may include:
Your telephone calls to us may also be recorded for training and quality assurance purposes.
We may disclose Personal Information collected from you:
In addition to the above recipients, we will disclose your Personal Information if we are required to do so under law or if the disclosure is made in connection with either the normal operation of our business in a way that you might reasonably expect, for example, if such disclosure is incidental to IT services being provided to our business or for the resolution of any dispute that arises between you and us. This disclosure may involve your Personal Information being transmitted Overseas via third party analytic tools that we use.
We may also disclose your Personal Information if you choose to participate in offerings on our Platforms whereby your Personal Information may be disclosed to and stored in software which is operated by a third party intermediary as part of your dealings with us. Personal Information disclosed in this manner may be transmitted offshore, including to the United States of America. When you provide your personal information to us, you consent to the disclosure of your personal information outside of Australia and acknowledge that other countries may have different data protection rules to Australia and that we are not required to ensure that the overseas recipients deal with that personal information in compliance with Privacy Legislation. We will, however, take reasonable steps to ensure any overseas recipient to which we provide your Personal Information deals with such information in a manner consistent with the APPs.
In the event of a proposed restructure or sale of our business (or part of our business) or where a company proposes to acquire or merge with us, we may disclose Personal Information to the buyer and their advisers without your consent subject to compliance with the Privacy Legislation. If we sell the business and the sale is structured as a share sale, you acknowledge that this transaction will not constitute the ‘transfer’ of Personal Information.
We will not sell, trade or rent your Personal Information to any third parties for marketing purposes without your consent.
We usually collect and store information in paper, physical and electronic form provided by you in person or when you communicate with us by telephone, email, our Platforms, letter, facsimile or other means, including when:
Where practicable we will only collect information from you personally. However, we will also collect your Personal Information through our partners and third parties who supply services to us.
Please note that we use our own and third party computer servers including our Website hosts, App hosts, data backups and payment gateway(s), which may be located overseas and your Personal Information will likely be stored and transmitted Overseas as part of the normal operation of our business.
We also collect information from your computer or mobile device automatically when you browse our Platforms. This information may include:
While we do not use some of this information to identify you personally, we may record certain information about your use of our Website such as which pages you visit and the time and date of your visit.
It may be possible for us to identify you from information collected automatically from your visit(s) to our Website. If you have registered an account with us, we will able to identify you through your user name and password when you log into our App. Further, if you access our Platforms via links in an email we have sent you, we will be able to identify you.
The device you use to access our Platforms may collect information about you including your location using longitude and latitude co-ordinates obtained through GPS, Wi-Fi or cell site tri-angulation. For information about your ability to restrict the collection and use of such information, please use the settings available on your device.
We may use statistical analytics software tools such as Google Analytics, Firebase and Facebook Pixel and software known as cookies which transmit data Overseas. To our knowledge, Google Analytics does not identify individual users or associate your IP Address with any other data held by Google.
We will endeavour to take all reasonable steps to keep secure and protect any Personal Information which we hold about you, including:
Notwithstanding that we will take all reasonable steps to keep your Personal Information secure, data transmission over the internet is never guaranteed to be completely secure. We do not warrant the security of any information you transmit to us or from any online services.
We may communicate with you by phone, email, SMS or push notification, to inform you about existing and new products and services that may be of interest to you.
We will ensure that any e-mail that you are sent by us as direct marketing complies with the SPAM Act 2003 (Cth) and contain an ‘unsubscribe’ option so that you can remove yourself from any further marketing communications. To opt-out of communications via SMS, reply with “STOP”. You may decline marketing messages sent by push notifications by refusing the relevant permission in your phone or tablet settings, however this setting will prevent you from receiving other messages from us via push notification. You may also opt-out of receiving marketing materials from us using the contact details set out below.
You can also call or write to us to request that your details be removed from our direct marketing list. We will endeavour to remove your details from our direct marketing list within 5 working days.
Our direct marketing list may be operated by software and servers located Overseas and your Personal Information may be sent Overseas as part of our marketing.
We will also send communications that are required or necessary to send to users of Platforms that contain information about important changes or developments to or the operation of our Platforms or as well as other communications you request from us. You may not opt out of receiving these communications but you may be able to adjust the media and format through which you receive these notices.
It may be impracticable to deal with you on an anonymous basis or using a pseudonym.
We may be able to provide you with limited information in the absence of your identifying yourself but generally we will be unable to provide you with any information, goods and/or services unless you have identified yourself.
If you have any queries in relation to this policy, you wish to access or correct the Personal Information we hold about you, or make a complaint, please contact us in writing at:
We aim to acknowledge receipt of all privacy complaints from you within 5 working days and resolve all complaints within 30 working days. Where we cannot resolve a complaint within that period, we will notify you of the reason for the delay as well as advising the time by which we expect to resolve the complaint.
In order to disclose information to you in response to a request for access we may require you to provide us with certain information to verify your identity. There are exceptions under the Privacy Legislation which may affect your right to access your Personal Information – these exceptions include where (amongst other things):
We may (depending on the request) charge you a fee to access the Personal Information. We will inform you of any fees payable in respect of accessing your Personal Information prior to actioning your request. All requests for Personal Information will be handled within 30 days after the request is made.
If you wish to have your Personal Information deleted, please contact us using the details above and we will take reasonable steps to delete the information (unless we are obliged to keep it for legal or auditing purposes).
In the event that you believe that there has been a breach of the Privacy Legislation, we invite you to contact us as soon as possible.
If you are not satisfied with our handling of a complaint or the outcome of a complaint you may make an application to:
This policy was last modified on 16th of December 2020.