Privacy Policy

Changes to This Privacy Policy

We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal or regulatory reasons. We will post the revised Privacy Policy on the Site and update the "Last updated" date above.

What Personal Information We Collect (APP 3)

The personal information we collect depends on how you interact with us:

• Enquiry and contact details. Your name, phone number, email address, location, and your preferred method of contact.
• Asset and loan information. The type of asset you are enquiring about, its estimated value, your desired loan amount, how quickly you need funding, a description of the asset, and any photos or supporting documents you choose to upload with your enquiry.
• Identification and transaction information. If your enquiry proceeds to an in-person assessment or a completed loan, we are required to collect identification documents such as your driver licence, passport, Medicare card or proof of age card, along with the relevant ID numbers and expiry dates, and any other information required under NSW pawnbroking legislation.
• CCTV footage. If you visit our premises, CCTV footage is captured for security and safety purposes.
• Website usage information. Standard technical information such as your IP address, browser and device details, and the pages you view on the Site, collected via analytics tools such as Google Analytics.

How We Collect Personal Information

We collect information directly from you when you submit an enquiry through the Site, when you communicate with us by phone or email, and — if your enquiry proceeds — when you visit our premises for an asset assessment or transaction, including information we are required to collect under NSW pawnbroking legislation and CCTV footage recorded on-site. We also automatically collect website usage information when you browse the Site.

Why We Collect and Use Your Personal Information (APP 6)

• To respond to your enquiry and assess whether your asset may be suitable for asset-backed lending.
• To discuss and provide a funding option, and to complete a transaction if you choose to proceed.
• To verify your identity, in line with our obligations under NSW pawnbroking legislation.
• To comply with the Pawnbrokers and Second-hand Dealers Act 1996 (NSW) and its Regulation, including uploading required transaction data daily to NSW Police.
• To prevent fraud and theft, and to maintain safety and business records.
• To process payments, including via EFTPOS.
• To send you marketing communications, but only where you have given your consent.

Disclosure of Personal Information (APP 6 & APP 8)

We may disclose personal information to:

• NSW Police, through mandatory daily uploads required for completed pawnbroking transactions.
• Payment processors, for the purpose of processing payments.
• Technology and service providers who help us operate this Site and respond to your enquiry, such as our website hosting and email providers.
• Law enforcement agencies and NSW Fair Trading, where legally required.

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

CCTV Surveillance

CCTV operates at our premises for security, safety and crime prevention purposes. Footage may be provided to NSW Police where required by law.

Cookies and Website Analytics

We use cookies and analytics tools, including Google Analytics, to understand how visitors use this Site and to help keep it secure. This may include your IP address, browser and device information, and the pages you view. Most browsers let you remove or block cookies through your browser settings, though doing so may affect how parts of the Site function.

Storage and Security of Personal Information (APP 11)

We use secure systems, restricted access, encryption, locked physical storage and secure destruction methods to protect the personal information we hold. We retain records for as long as required under applicable law, including NSW pawnbroking legislation, and no longer than necessary for the purposes described in this policy.

Access and Correction (APP 12 & APP 13)

You may request access to, or correction of, the personal information we hold about you by contacting us using the details below. We may need to decline a request in limited circumstances permitted by law, such as where disclosure could affect a police investigation.

Anonymity and Pseudonymity (APP 2)

You are welcome to make a general enquiry through this Site without providing more information than is needed for us to respond to you. However, we cannot complete an actual asset-backed lending transaction anonymously or under a pseudonym, as identity verification is a legal requirement under NSW pawnbroking legislation.

Children's Data

Our Services are not intended for use by children, and we do not knowingly collect personal information about children. If you are the parent or guardian of a child who has provided us with personal information, please contact us using the details below to request that it be deleted.

Complaints

If you have a complaint about how we handle your personal information, please contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

Contact

Should you have any questions about our privacy practices or this Privacy Policy, or if you would like to exercise any of the rights available to you, please contact us: