Paymate Website Privacy Policy
This Privacy Policy applies to all personal information collected by Flexi Online through the website located at www.paymate.com, www2.paymate.com and www.my-paymate-onthego.com (the Paymate Website) or in the course of providing the "Paymate" services (online payment services) or "Paymate on the Go" services (access to the "Paymate" services through use of "Paymate on the Go"). References in this Privacy Policy to Flexi Online are references to Flexi Online Pty Ltd (ABN 42 154 594 199) of Level 8, 201 Pacific Highway, St Leonards NSW 2065.
Flexi Online recognises the importance of your privacy, and that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.
This Privacy Policy sets out how Flexi Online will deal with the personal information that it collects from you, as required by the Privacy Act 1988 (Cth). If an alternative processes will apply to any particular personal information, Flexi Online will notify you of the alternative processes at or before the time of collection of that personal information or, where that is not practicable, as soon as practicable after the point of collection.
By using the Paymate Website you consent to us using your personal information in accordance with this Privacy Policy.
Collecting information
Flexi Online may collect personal information about you when you use the Paymate Website or when someone else submits information about you to the Paymate Website (in which case we will contact you). We may also collect personal information if you fill in forms for us, during face-to-face meetings, in email messages or during telephone conversations. If you contact us, we may keep a record of that contact.
The main types of personal information we collect include:
- what you tell us about yourself (for example, through the registration process Paymate, the application process for "Paymate on the Go", or when we otherwise ask for information such as your name, phone number, fax number, email address, physical address, date of birth, bank account details and gender);
- information about how you use our website (for example, what pages you visit on our site and your IP address); and
- information relating to your application for, and use of, the "Paymate" and "Paymate on the Go" services including transactions processed.
Our use of cookies and other online tools
We sometimes use cookie technology on our website and permit third-party advertising companies who serve ads on the Paymate Website to use cookie technology and website traffic analysis tools on our website in a similar way. Cookies are pieces of information that a website transfers to your computer's hard disk for record keeping purposes and are a necessary part of facilitating online transactions. Cookies are useful to estimate traffic patterns through our website. Most website browsers are set to accept cookies.
If you do not wish to receive any cookies you may set your browser to refuse cookies. This may mean that you will not be able to take full advantage of the Paymate Website's services.
Using your personal information
Our purpose in collecting information about you is to:
- facilitate your full use of the Paymate Website and the "Paymate" and "Paymate on the Go" services;
- verify your identity and other relevant details when you seek to apply for provision of "Paymate" and "Paymate on the Go" services;
- provide you with the "Paymate" services, "Paymate on the Go" services and any other services available from time to time via the Paymate Website;
- to process payments and handle chargebacks;
- provide you with a better website experience;
- to notify you of information directly related to the services you are receiving (such as any changes to our Product Disclosure Statement);
- enable us to operate our business efficiently;
- improve our services to you; and
- comply with any laws.
Use and disclosure of your personal information
Flexi Online and its related bodies corporate recognise the trust you place in us when you give us personal information. In order to operate the Paymate Website or deliver a service we may sometimes share your personal information with a service partner. Flexi Online will also disclose data to third parties in the following circumstances:
- sending merchant data to banks for checking against such banks' "acceptable merchants policy";
- sending information to third parties for identity checking and to confirm bank/credit card account authority;
- sending transaction data, including bank account information, to banks for settlement purposes; and
- sending transactional data to a third party for fraud monitoring purposes.
- We will not otherwise disclose your personal information to other companies without your consent.
Flexi Online will not otherwise use or disclose any personal information about you without your consent, unless:
- the use or disclosure is for one of the purposes described in or otherwise permitted by this Privacy Policy;
- the use or disclosure is required or permitted by law;
- we believe it necessary to provide you with a service which you have requested;
- to implement our terms of service;
- we believe it necessary to protect the rights, property or personal safety of another person or Flexi Online; or
- the assets and operations of Flexi Online's business are transferred to a third party.
If you do not provide information requested by the Paymate Website, Flexi Online may not be able to provide you with access to or full use of sections of the Paymate Website.
Marketing activities
We do not disclose personal information about you to advertisers. Instead, advertisers give us advertisements and tell us the kind of audience they wish to reach. Flexi Online then takes the advertisement and displays it to end users who are most likely to have an interest in the product or service.
If you have opted-in to receive marketing information from us, we may use your personal information to provide you with information about new or updated products or services we offer or special offers or promotions that you may be interested in.
If you are receiving promotional information about Flexi Online and do not wish to receive this information any longer, please contact us and ask us to remove your name from our mailing list. Alternatively, if you are registered for "Paymate" services, you can log into "my account" on the Paymate Website and change your preferences. You will also be given the option to unsubscribe from any promotional emails that we send to you.
Access and correction
If you are registered for "Paymate" services, you can access and update your account details at any time through "my account" on the Paymate Website.
If at any time you want to know exactly what personal information we hold about you, you are welcome to access your record in the manner permitted by the Privacy Act 1988 (Cth) by contacting us via the contact details set out below.
You may request that we correct personal information we hold about you that is inaccurate or out-of-date by contacting us via the contact details set out below. If you request that we delete your personal information, we will take all reasonable steps to delete it unless we need to keep it for legal, auditing or internal business reasons.
Storage and security of your personal information
Flexi Online will take all reasonable steps to keep secure any information which we hold about you. We restrict access to personal information to our employees, contractors, agents and personnel who require the information to assist us to operate our business. Our security procedures include the following:
- All your transactions with Flexi Online are conducted in "secure sessions" using the financial industry's Secure Socket Layer (SSL) standards with 128-bit encryption. You should check that your browser is compatible with SSL encryption. This is often indicated by a "closed lock" icon at the bottom of your screen.
- If you have registered, your username and password are essential for you to access your account details or to conduct a payment transaction. For your own protection, Flexi Online requires you to keep these confidential and encourages you to change your password regularly. Please ensure that you never provide your user name and/or password to anyone in response to email requests. You will never be asked by Flexi Online to disclose such information legitimately.
- Flexi Online transfers financial data securely into the Australian payments clearing system via dedicated telecommunications lines and proprietary banking software to ensure the integrity of our direct debit and credit payments. We process credit card payments in a similar way.
- Flexi Online employs qualified, independent auditors to review our security standards and practices on a regular basis to ensure that our software, operational practices and management controls meet the stringent standards of the Australian financial industry.
Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure, so we cannot give an absolute assurance that the information you provide to us will be secure at all times. Flexi Online will not be responsible for events arising from unauthorised access to your personal information.
Please note also that Flexi Online uses an overseas facilities in the United States to store information relating to the "Paymate on the Go" service. As a result, we may transfer your personal information to our overseas facilities for storage.
You can also play an important role in keeping your personal information secure by maintaining the confidentiality of any password and accounts on the Paymate Website. Please notify us immediately if there is any unauthorised use or your account by any other internet user or any other breach of security.
Passwords and log-in security
If you are registered on the Paymate Website, you will have a user name and password. You are responsible for the security of your password and log-in information. You take responsibility to ensure the confidentiality of this information.
Links to other websites
The Paymate Website provides links to third party websites. These linked sites are not under the control of Flexi Online, and Flexi Online is not responsible for the conduct of companies linked to the Paymate Website. Before disclosing your personal information on any other website, we advise you to examine the privacy policy and terms of use of that website.
What to do if you have a problem or question
Please let us know if you have any questions about this privacy policy or the way that we handle your personal information.
If you have a complaint about how your personal information has been handled, please let us know immediately.
Future changes
Our commitment to being a leading provider of online payment services means that our business will continue to evolve as we introduce new services and features to the Paymate Website. Because of this, from time to time, our policies will be reviewed and may be revised. Flexi Online reserves the right to changes its Privacy Policy at any time and notify you by posting an updated version of the policy on the Paymate Website. You should therefore review this Privacy Policy frequently to ensure that you are aware of the most recent version of the Privacy Policy.
Contact details
You can contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or by calling us on the following numbers : in Australia 1800 240 112 (toll free) - in New Zealand 0800 000 095 (toll free)
Our postal details are:
Flexi Online Pty Ltd
Level 8, 201 Pacific Highway
St. Leonards NSW 2065
