Privacy Policy

SmartRemit Privacy Policy

SmartRemit (Smart Remittance PTY LTD, ABN 19 639 161 158) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our services, website, or mobile application, you consent to the collection and use of your information as described in this policy.

Information We Collect

We may collect the following types of personal information:

• Identity information: Full name, date of birth, government-issued ID
• Contact information: Email address, phone number, residential address
• Financial information: Bank account details, payment card details, transaction history
• Usage data: How you interact with our website and app, IP address, device information
• Compliance data: Information required for AML/CTF obligations, including source of funds

How We Use Your Information

We use your personal information to:

• Process and complete money transfer transactions
• Verify your identity as required by Australian law
• Comply with anti-money laundering and counter-terrorism financing obligations
• Provide customer support and respond to your enquiries
• Improve our services, products, and user experience
• Send you important notices, updates, and security alerts
• Detect and prevent fraud and unauthorised activities

Disclosure of Your Information

We may share your information with:

• Partner financial institutions and correspondent banks required to complete your transfer
• Regulatory authorities including AUSTRAC, as required by law
• Third-party service providers who assist us in operating our platform under strict confidentiality agreements
• Law enforcement agencies when required by law or court order

We will never sell your personal information to third parties for marketing purposes.

International Data Transfers

As an international remittance service, some of your information may be transferred to and processed in countries outside Australia (such as the recipient's country). We take all reasonable steps to ensure that overseas recipients handle your information in accordance with the Australian Privacy Principles.

Security

We implement a range of technical and organisational measures to protect your personal information, including:

• SSL/TLS encryption for data in transit
• Two-factor authentication (2FA)
• Secure storage with established financial institutions
• Regular security audits and monitoring by our dedicated fraud team

Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Make a complaint about how we handle your personal information

To exercise these rights, please contact us at the details below.

Cookies

Our use of cookies is described in our Cookies Policy.

Changes to This Policy

We may update this Privacy Policy from time to time. We will post any changes on this page and, where the changes are significant, notify you by email.

Contact Us

If you have any questions or concerns about this Privacy Policy, or wish to make a privacy complaint, please contact us:

Smart Remittance PTY LTD (trading as SmartRemit)
3A/770 George Street, Sydney CBD, NSW 2000, Australia
ABN: 19 639 161 158

You may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au if you are not satisfied with our response to a privacy complaint.

Last updated: 2024