Privacy Policy

Chron Payments Pty Ltd (trading as Chron)

Effective Date: [Insert Date]

Chron Payments Pty Ltd ("Chron," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We collect personal information in order to provide our card issuing services, improve user experience, and comply with legal obligations. The types of personal information we collect include:

• Identification details (e.g., name, date of birth, government-issued identification)
• Contact information (e.g., email address, phone number, residential address)
• Financial details (e.g., payment information, transaction history, banking details)
• Usage data (e.g., website activity, IP address, browser type, device information, cookies)
• Communication records (e.g., customer service interactions, feedback, complaints)

We may also collect non-personally identifiable data through website analytics tools, such as Google Analytics and similar tracking software.

2. How We Collect Information

We collect personal information through the following means:

• When you register for an account or apply for our services
• When you interact with our website, mobile app, or customer service team
• When you make payments, transactions, or access our services
• Through cookies, web beacons, and tracking technologies (e.g., Google Analytics)
• From third-party service providers, banks, regulatory bodies, or business partners

3. How We Use Your Information

We use your personal information to:

• Provide, manage, and improve our card issuing and payments
• Process transactions and verify your identity
• Ensure compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations
• Analyse website and user activity to improve our services (e.g., through Google Analytics)
• Send promotional, marketing, or service-related communications (with your consent)
• Detect and prevent fraud, security breaches, and unlawful activities

4. Disclosure of Information

We may share your personal information with:

• Regulatory authorities, law enforcement, or government agencies when required by law
• Payment processors, banks, and financial institutions for transaction processing
• Third-party service providers, including cloud storage, analytics tools, and marketing partners
• Business partners or affiliates (only with your consent)
• Legal representatives in the event of disputes or claims

We do not sell, rent, or trade personal information to third parties for marketing purposes.

5. Website Analytics and Tracking Technologies

We use Google Analytics and other tracking software to analyse website traffic and user behaviour. These tools may collect data such as:

• IP addresses
• Device and browser information
• Pages visited and time spent on the website
• Referral sources (how users arrived at the website)

This information helps us optimise our website, improve services, and understand user preferences. You can manage your cookie preferences through your browser settings or opt out of Google Analytics by using the Google Analytics Opt-Out Browser Add-on.

6. Data Security

We implement robust security measures to protect your personal information, including:

• Secure servers and data encryption
• Access controls and authentication processes
• Regular monitoring for security threats and vulnerabilities

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

7. Your Rights and Choices

You have the right to:

• Access and correct your personal information
• Withdraw consent for marketing communications
• Request deletion of certain data (subject to legal obligations)
• Complain if you believe we have mishandled your information

To exercise these rights, contact us at [Insert Contact Email].

8. International Data Transfers

Some of our third-party service providers may store or process data outside of Australia. Where this occurs, we ensure appropriate safeguards are in place to protect your information.

9. Changes to This Policy

We may update this Privacy Policy periodically. Any significant changes will be communicated via our website or other appropriate channels. Your continued use of our services constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

Chron Payments Pty Ltd
Email: [email protected]

Last Updated: 13/03/2025