Privacy Policy

Effective Date: 22 June 2025

MerchPay ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website https://merchpay.com.au or use our products and services.

By accessing our website or using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of personal information:

• Contact details: name, email address, phone number, business name
   
• Account information: login credentials, billing and payment details
   
• Business information: business size, industry, and service preferences
   
• Usage data: how you use our website, including IP address, browser type, and session duration
   
• Communication history: records of your contact with our team (email, phone, etc.)
   

We only collect personal information by lawful and fair means, and where possible, directly from you.

2. How We Use Your Information

We use your personal information to:

• Provide and manage our services (e.g. payment, loyalty, and POS solutions)
   
• Respond to your enquiries and provide customer support
   
• Improve our website and service offerings
   
• Send service updates, newsletters, and marketing communications (you can opt-out at any time)
   
• Comply with legal and regulatory obligations
   

3. Disclosure of Your Information

We may share your information with:

• Third-party service providers (e.g. hosting, analytics, payment processors and gateways) to assist us in operating our business
   
• Regulatory authorities, if required by law
   
• Other parties with your consent or as permitted under the Privacy Act
   

We ensure third-party providers are bound by confidentiality and privacy obligations.

4. Security of Your Information

We take reasonable steps to protect your personal information from loss, misuse, unauthorised access, disclosure, or modification, including:

• Secure data storage
   
• Encrypted communications (SSL)
   
• Access controls and employee training
   

5. Access and Correction

You may request access to or correction of your personal information held by us at any time. Please contact us using the details below. We will respond within a reasonable timeframe.

6. Cookies and Tracking Technologies

Our website may use cookies to enhance user experience, track usage patterns, and improve functionality. You can disable cookies via your browser settings, but this may limit some features.

7. Overseas Disclosure

Some of our third-party service providers may be located outside Australia. When we share information overseas, we ensure it is handled according to the Australian Privacy Principles.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website. Your continued use of our services indicates your acceptance of any changes.

9. Contact Us

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

MerchPay
Email: info@merchpay.com.au

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at https://www.oaic.gov.au.