PRIVACY POLICY

1.Introduction

Business IT and services Pty Ltd T/as Moneyfirst, 6 Montcliff Ct, Springfield QLD 4300, Australia, are committed to protecting your personal information collected when you interact with us through our websites, mobile applications, e-mail, phone, retail locations or our agents.

2.Purpose of this Privacy Statement

The purpose of this privacy statement (”Privacy Statement”) is to inform consumers (”you” or ”your”) of how we collect, use, share and protect personal information. Financial companies, such as MoneyFirst, choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

3.Personal Information

3.1 Types of Personal Information Collected

The types of personal information we collect, and share depend on the product or service you have with us. This information can include, but is not limited to:

• Name
• Address
• Phone number
• Relationship between sender and recipient of a transaction
• E-mail address
• Gender
• Date of birth
• Place of birth
• Place of employment
• Social security number
• Information to confirm your identity, which may include government issued identification
• Information from a transaction, such as transaction history, credit card or bank information
• Information for fraud prevention and similar security purposes
• Technical information, which may include the host from which you access the Internet, your IP address or device advertising ID, geolocation if enabled, information about your device, mobile application, browser

As a financial institution, MoneyFirst has certain obligations with regards to identity verification, fraud prevention and other similar security purposes. To ensure compliance with those obligations, certain of the personal information described above may be collected from, or verified against, third party sources such as government agencies and consumer reporting agencies. For identity verification purposes, senders and recipients of money transfers may be required to produce valid identification or consent to verification by other means before funds are released.

3.2 How Personal Information is Collected

We collect your personal information in a variety of ways which may include:

1. When you interact with us by providing information to create an account, using our money transfer service or any other service or product provided by us, using your credit or debit card, providing banking or other billing information. If you provide information about someone else, you represent that you have permission to do so.
2. From other sources such as services providers, credit bureaus, affiliates, public databases, government agencies, consumer reporting agencies, social media platforms, and other third parties.
3. Cookies

In order to provide better service, we may occasionally use a “cookie”. A cookie is a small piece of information which a website stores on the web browser of your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of purposes in the following categories:

• Essential cookies: These cookies are necessary for the Website to operate as it was intended and, therefore, they cannot be turned off or rejected. These cookies do not gather any information about you and do not have the ability to remember how you have used the Website;
• Performance cookies: These cookies help analyze how the Website is used in order to improve its performance. For example, MoneyFirst uses them to understand where visitors to the Website are located, how many visitors access the Website and which sections of the Website are the most used;
• Functionality Cookies: These cookies allow the Website to remember if you have previously visited and the selections, such as language preferences, previously made to provide a more personalized online experience;
• Third-Party cookies: These cookies collect information from your device and perform tasks that analyze behaviour and collect other information, such as demographics. These cookies may be used to provide you with personalized advertising.

With the exception of essential cookies, as described above, accepting cookies when visiting the Website for the first time will assist in optimizing the Website experience. Most internet browsers are initially set up to automatically accept cookies, however you can change the browser settings at any time. Blocking or deleting cookies may result in some features of the Website not working as intended.
Website usage data: with or without cookies, our Website keeps track of usage data, such as source address that a page request is coming from, your IP address or domain name, the date and the time of the page request, the referring Website (if any) and other parameters in the URL.

4.1 Third Party Marketing Cookies and Advertising

MoneyFirst has relationships with online advertisers and social media networks. These third parties use cookies and similar technologies for marketing purposes and may send you targeted advertising about MoneyFirst services while you are on their website or mobile applications. You can choose to decline these third-party cookies that enable this type of marketing at any time by not accepting the cookies when visiting our Website.

4.2 How to manage cookies

Our Performance, Functionality and Third-Party cookies are not strictly necessary for our website to work but will provide you with a better browsing experience. You can delete or block these cookies, but if you do this, you may have to manually adjust some preferences every time you visit our website and some features of the site may not work as intended. Most internet browsers are initially set up to automatically accept cookies, however you can decide at any time what type of cookies you want to accept. You can change the settings on your browser to block cookies or to alert you when cookies are being sent to your device.

5. Do Not Track Request

We currently do not recognize the Do Not Track request from your web browser. We may engage third parties, such as marketing or analytics partners, who may collect information about your online activities over time and from time to time and across different websites when you use our Website.

6. Third Party Websites

We may provide a link to websites that are owned or operated by other companies (“third-party websites”). We have not reviewed, do not control, and are not responsible for the content or privacy practices employed by third-party websites that are linked from our Website. We do not assume responsibility for any of these third-party websites, their content, or their privacy policies. We do not endorse third party websites or make any warranties about any information, software or other products or materials you may find on such websites, or any results that may be obtained from using them.

7. Deleting Personal Data

If you no longer want us to use your information or data to provide the MoneyFirst Services to you, you can request that we remove your personal information and delete your account, write us at: support@moneyfirst.com.au. The admin will erase your personal, transactional, and other related information to you and your account permanently.

We generally save your personal information or other personal data for as long as is necessary for the implementation of the contract between you and us and to comply with our legal responsibilities. If any of your personal, transactional, or other information or data is deleted after you request to admin through email, it can never be retrieved on your request in the future.

8. MONEYFIRST CONTACT

If you wish to exercise any of your rights, or if you have any questions or suggestions about this Privacy Statement, you can contact MoneyFirst at: support@moneyfirst.com.au