Paydby has partnered with Pin Payments, an Australian-based payment system company, to keep your information and account secure. Pin Payments is certified to the highest standard of PCI Compliance.
We keep your account secure with a Pin code, mobile phone authentication and email authentication, so you can achieve your goals with confidence.
We use encryption to protect and secure your financial details and ensure your money and information remains safe.
Our fraud detection tools and processes help us to detect fraudulent activity.
You will receive prompt push or email notifications for changes to your group goals.
1.75% + 30c per transaction - payment processor fee (More info on www.pinpayments.com)
+3% Paydby fee (This fee is waivered for Goal Administrators)
Our priority is protecting your personal information
1. About us
1.1 Paydby Pty Ltd ABN 35 622 489 874 ('us, we, or the Company') provides a group financial goal saving facility / app called Paydby.
1.2 We work with Pin Payments (Southern Payment Systems Pty Ltd ABN 46 154 451 582) to help provide you with this facility.
2. Your privacy is important
2.1 We reference the Privacy Act, the Australian Privacy Principles (APPs) and the APP guidelines in how we choose to look after your privacy.
2.2 We protect your information and communicate clearly what we do with it. You can find more detailed information in our Paydby terms and conditions.
3. The information we collect
3.1 We collect personal information from you such as your name, address, date of birth, email address and mobile number.
3.2 When you visit our website or use the Paydby app, we collect information such as your location, IP address, third-party sites you access, details you enter in the Paydby app and other details of your interaction with Paydby.
3.3 If we need sensitive information from you such as fingerprints or face recognition, we will ask your permission first, except where otherwise allowed by law (in accordance with the Privacy Act).
4. How we use your information
4.1 We use the information you provide to:
verify your identification
improve our Paydby app and manage our services and products
identify fraud or other illegal activities
comply with the law and help government / law enforcement agencies.
contact your bank to help resolve a chargeback issue.
4.2 We upload your phone contacts list to show any other Paydby customers you may know. We do not store your contacts list.
4.3 Where the law allows or requires us to do so, we may collect, use or share your information.
5. Our communication with you
5.1 We may use your information to get in touch with you and tell you about new products or services.
5.2 We may contact you via phone, sms, email, social media or in-app notifications.
5.3 You can opt-out of any direct marketing from Paydby by emailing support@Paydby.com
6. How we share your information
6.1 We may share your information with third parties (see Section 4). These third parties may include:
Marketing agencies, identification verification agencies or other service providers
Government and law enforcement organisations
Those organisation that help identify illegal activities and prevent fraud
Other banks and financial institutions
6.2 In some cases we may send your information overseas to, for example:
Service providers who store data or operate outside Australia
Law enforcement or government agencies requiring our assistance
7. Your information is kept safe
7.1 We take several steps to protect your information at all times.
We ensure your information is protected whenever we need to send information overseas or use third parties to store data
We encrypt any data sent from your computer or phone to our system to ensure no one else has access. We use secure networks and passwords to stop unauthorised people accessing your information.
When we no longer need to keep your information, we will destroy or de-identify your data.
8. Information updates and corrections
8.1 You can view your information, including your transaction history in the Paydby app.
8.2 If your details in the Paydby app are not correct, and you are having trouble updating them yourself, please email us at support@Paydby.com
9. Making a privacy complaint
Paydby endeavours to serve you well and if something is not right, we will do our utmost to fix it. If you want to lodge a complaint with us, please email support@Paydby.com
9.1 Our process for responding or resolving complaints;
A record of your complaint will be kept
We will aim to respond to your complaint within 14 - 21 days.. If we need more time we will let you know.
We will aim to have our final response to you within 45 days.
If, some some reason, we cannot complete our investigation in the time frame stated, we will let you know why.
9.2 If you are not happy with our process for handling your complaint, you can lodge a complaint with the Queensland Ombudsman or with the Australian Financial Complaints Authority.
10. Contact Details
Want to ask a question, provide feedback or make a complaint? Email us at support@Paydby.com
Has your phone been lost or stolen? Or you suspect unauthorised use of the Paydby app? Email Paydby at support@Paydby.com and contact your card issuer straight away.
Need to update how Paydby contacts you or ask not to receive direct marketing? Email us at support@Paydby.com
Phone 1800 068 908
Australian Financial Complaints Authority
Phone 1800 931 678
If a user requires a refund for any reason, they can do so via the Paydby app. Users may request a single transaction or multiple transactions under the refund settings. This incurs a $25 refund fee to discourage the incompletion of goals. Users will not be refunded any fees or charges made to payment processor.