Privacy Policy

Effective date: 23-09-2025

1. Introduction
Pay4 Payments Solutions Pty Ltd ("Pay4 Payments", "we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose and manage your personal data when you interact with us (e.g. via website, using our services, or contacting support).

2. What information we collect
We may collect, store and use the following types of personal information:

Identity & contact information: name, date of birth, postal address, email address, phone number.
Business / financial information: business name, bank account details, transaction history, merchant details.
Usage & technical information: IP address, device/browser type, pages visited, referral source, analytics on how you use our website.
Card & transaction data: for processing payments — card number, cardholder name, expiry date, payment amount, frequency, type, location details, etc.
Other information you provide us: e.g. in application forms, support requests, job applications.

3. How we use your information
We use your personal information for purposes including, but not limited to:

To provide, maintain, and improve our payment services, gateways, EFTPOS terminals, Pay By Link, etc.
To process payments and settle transactions.
To verify identity, prevent fraud, and meet legal/regulatory requirements (e.g. anti-money laundering, PCI-DSS compliance).
For customer support: responding to enquiries, troubleshooting, and to provide a better customer experience.
To personalize content and communications.
For marketing purposes (where permitted) — promotions, updates, newsletters — only if you consent or as allowed by law.
To generate reports, analytics, and business insights.

4. Disclosure of information
We do not sell your personal information. We may share your information under certain circumstances, including:

With service providers who help us deliver our services (e.g. payment processors, hosting providers, security / fraud prevention tools) under confidentiality obligations.
With our professional advisors (legal, accounting, auditing).
With regulatory, law enforcement or government bodies if required by law.
With third parties in relation to business transfers (e.g. merger, acquisition), under appropriate protections.
For debt recovery / chargebacks / dispute resolution, when necessary.

5. Security & storage

We use technical, administrative, and physical safeguards (including encryption, secure servers, access controls) to protect your personal data.
We ensure our systems are compliant with PCI-DSS for card data handling and secure transaction processing.
Information is stored only for as long as necessary for the purposes for which it was collected, or as required by law.
We keep personal information accurate and up-to-date to the extent possible.

6. Cookies & similar technologies

We use cookies, web beacons, pixels and similar tracking technologies to collect information about how you use our website.
Types of use include: analytics, remembering preferences, improving site usability and performance.
You can disable or delete cookies via your browser settings, though some site features may be affected.

7. International transfers

If we transfer your personal data to other countries (e.g. for cloud storage or processing by third-party providers), we will ensure adequate protection of that data (e.g. through legal agreements, data transfer safeguards) consistent with applicable law.

8. Your rights
Depending on your location and applicable laws, you may have rights such as:

Access your personal data.
Correct or update your data.
Request deletion or erasure of your data.
Object to or restrict certain processing (e.g. for direct marketing).
Data portability (receive data in structured format) where applicable.
Withdraw consent at any time (for marketing or other optional processing).

To exercise any of these rights, contact us at privacy@pay4payments.com.au (or the address below).

9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will post the new version on our website and indicate the effective date. It is your responsibility to check the policy periodically.

10. Contact us
If you have questions or concerns about this Privacy Policy or our data handling practices, you can contact:

Pay4 Payments Solutions Pty Ltd
📞 1300 505 281
📧 sales@pay4payments.com.au
📍 Head Office: 13/168 Melbourne St, North Adelaide SA 5006