Privacy Policy
Last Updated: July 2025
1. Introduction
ZIMONEY Pty Ltd 15 683 562 996 (referred to as "ZIMONEY," "we," "us," or "our") is committed to protecting the privacy of our customers and website users. We manage personal information in an open and transparent way in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth). This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. It also explains how you may access and correct your information, how to make a privacy-related complaint (and how we will deal with it), and whether we disclose information overseas. We have also integrated our Cookies Policy into this document for a comprehensive overview of all privacy-related practices.
2. Collection of Personal Information
We only collect personal information that is reasonably necessary for our business functions or activities. The types of information we may collect include:
Identity and Contact Details: Name, date of birth, address, phone number, email, and other identifying details.
Identification Documents: Government-issued identification (e.g. passport or driver’s license) and related information, as required to verify your identity under anti-money laundering and counter-terrorism financing laws.
Financial Information: Payment details such as bank account numbers, credit or debit card numbers, and transaction information needed to process transactions and comply with legal obligations.
Usage Data: When you use our website or app, we may collect technical data (e.g. IP address, device information, cookies) to understand usage patterns and improve our services.
We collect most personal information directly from you (e.g. when you create an account, make a transaction, or contact us). In some cases, we may also collect information from third parties – for example, verification service providers (to confirm your identity) or publicly available sources, but only as allowed by law.
3. Use of Personal Information
We use personal information only for purposes disclosed at the time of collection or otherwise permitted by law. Primary purposes include:
Providing Services: To set up and manage your ZiMoney account, process transactions, facilitate payments, and deliver the services you request.
Compliance: To meet our legal and regulatory obligations, such as verifying your identity, preventing fraud, and complying with anti-money laundering/counter-terrorism financing (AML/CTF) requirements.
Communication: To communicate with you about your account, transactions, updates to our services, and to respond to your enquiries.
Marketing (Opt-out): To offer you information about new features or promotions. We will only use your personal information for direct marketing with your consent or as otherwise allowed under Australian law, and we will provide a simple means for you to opt out of receiving marketing communications at any time.
We do not sell your personal information. We may, however, combine or anonymise data to generate statistical insights that do not identify individuals.
4. Disclosure of Personal Information
ZiMoney may share personal information with third parties, but only in accordance with this Policy and Australian law. Recipients of personal information may include:
Service Providers: Third-party companies who assist in our operations (such as banking partners, payment processors, identity verification services, information technology support, cloud storage providers, and professional advisors). These service providers are required to handle your information securely and only for the purposes we specify.
Affiliates: Our related companies, only as needed for internal administrative purposes or to provide our services to you.
Legal or Regulatory Bodies: Government authorities, regulatory bodies, law enforcement or courts, but only where we are required to by law or to protect our legal rights (for example, disclosures to AUSTRAC – the Australian Transaction Reports and Analysis Centre – or other regulators for compliance with AML/CTF and other laws).
Others with Your Consent: We will obtain your consent before disclosing your personal information to any other third parties for purposes not related to the above.
Some third-party service providers may be located overseas. If we transfer your personal information outside Australia, we will take reasonable steps to ensure the overseas recipient protects your information in accordance with the requirements of Australian law. By using our services, you consent to any such overseas disclosures, acknowledging that foreign jurisdictions may not have the same level of privacy protection as Australia. However, we will only transfer data to overseas entities if it is necessary for the services and after implementing appropriate safeguards.
5. Cookies and Tracking
When you visit our website, we use cookies and similar tracking technologies to enhance your experience. Cookies are small text files that our site may place on your device to remember your preferences and collect information about your use of our site. For example, we use cookies to recognize you on return visits, remember your settings, analyze site performance, and deliver targeted content or advertisements.
You can adjust your browser settings to refuse or delete cookies; however, some site features or services may not function properly without cookies. By continuing to use our website, you agree to our use of cookies as described in this Policy.
6. Data Security and Storage
We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorized access, modification or disclosure. This includes using technical and organizational security measures such as encryption, secure servers, and access controls to safeguard data.
Only authorized personnel who require access to personal information to perform their duties are permitted to do so. We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or to comply with legal and business record-keeping requirements. When no longer required, we will securely destroy or de-identify personal information in accordance with applicable laws and regulations.
7. Access and Correction
You have the right to request access to the personal information we hold about you and to request corrections if any information is inaccurate, out-of-date or incomplete. To protect your privacy, we may require proof of identity before releasing any information.
Wherever feasible, we will provide access to your information, and will correct any errors upon your request, except where the law permits us to refuse such access or correction. In certain circumstances, we may charge a reasonable fee to cover the cost of providing access. We will respond to all access or correction requests within a reasonable time.
Our aim is to ensure your personal information is accurate, complete, and up-to-date, in line with APP 12 and 13 obligations.
8. Privacy Enquiries and Complaints
If you have any questions about this Policy or how we handle your personal information, or if you wish to make a privacy-related complaint, please contact us at privacy@zimoney.com or by mail at Level 3, 480 Collins St, Melbourne VIC 3000.
We take privacy complaints seriously and will investigate your concerns and respond as soon as possible (generally within 30 days). If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).
The OAIC can be contacted at www.oaic.gov.au or by telephone at 1300 363 992.
9. Updates to this Policy
We may update this Privacy & Cookie Policy from time to time to reflect changes in law or our data handling practices. Any updated version of the Policy will be posted on our website with a revised effective date. We encourage you to review the Policy periodically.
If we make material changes, we will provide a prominent notice (e.g. on our website or by email). By continuing to use our services after any changes come into effect, you will be deemed to have accepted the updated Policy.