Privacy Policy

Introduction

Microbacte Pty Ltd (referred to as "we", "us", or "our") is committed to protecting the privacy of individuals who visit our website and use our travel card services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Australian Privacy Act 1988 and the Australian Privacy Principles.

Information We Collect

We collect personal information that you provide directly to us when you:

• Apply for a travel card through our website or other channels
• Create an account or register for our services
• Contact us with enquiries or requests for support
• Subscribe to our newsletters or marketing communications
• Participate in surveys or promotional activities

The types of personal information we may collect include:

• Full name and contact details (address, email, telephone number)
• Date of birth and identification documents
• Financial information necessary for card issuance and transactions
• Employment information for verification purposes
• Transaction history and spending patterns
• Device information and usage data when you access our digital platforms

How We Use Your Information

We use the personal information we collect for the following purposes:

• Processing card applications and managing your account
• Facilitating transactions and currency exchanges
• Verifying your identity as required by law
• Communicating with you about your account and our services
• Improving our products, services, and customer experience
• Complying with legal obligations and regulatory requirements
• Detecting and preventing fraud or other illegal activities
• Sending marketing communications where you have consented

Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds:

• Performance of a contract with you for the provision of our services
• Compliance with legal obligations under Australian law
• Your consent, which you may withdraw at any time
• Our legitimate interests in operating and improving our business

Disclosure of Information

We may share your personal information with:

• Card network providers (such as Mastercard) to facilitate transactions
• Financial institutions that hold customer funds
• Identity verification services
• Professional advisers including legal, accounting, and audit services
• Government authorities and regulators when required by law
• Service providers who assist with our operations under strict confidentiality agreements

We do not sell your personal information to third parties for marketing purposes.

International Transfers

As we facilitate international payments, some of your personal information may be transferred to and processed in countries outside Australia. When this occurs, we take appropriate measures to ensure your information receives adequate protection consistent with Australian privacy law.

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Access controls limiting who can view personal information
• Regular security assessments and testing
• Staff training on data protection and privacy
• Incident response procedures for potential data breaches

Data Retention

We retain your personal information for as long as necessary to provide our services to you and to comply with legal obligations. When information is no longer required, we securely delete or de-identify it. Certain records must be retained for minimum periods under Australian financial services regulations.

Your Rights

Under Australian privacy law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your information in certain circumstances
• Opt out of marketing communications at any time
• Lodge a complaint if you believe your privacy has been breached

To exercise any of these rights, please contact us using the details provided below.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and collect usage information. For detailed information about our use of cookies, please refer to our Cookie Policy.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Officer:

Email: [email protected]
Address: Level 12, 88 Pitt Street, Sydney NSW 2000, Australia

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