We are bound by the Privacy Act 1988 (Cth) (Privacy Act) and will protect your personal information in accordance with the Australian Privacy Principles (as defined in the Privacy Act).
These principles govern how we collect, use, hold and disclose your personal information, as well as how we ensure the quality and security of your personal information.
What is personal information?
Personal information includes any information or opinion, about an identified individual or an individual who can be reasonably identified from the information. This may include, for example, your name, address, telephone number or email address.
How do we collect personal information?
CHUB is a distributor of ‘cherrypay’ reloadable and non-reloadable prepaid solutions involving both products and services in Australia.
CHUB’s main functions and activities in connection with its supply of ‘cherrypay’ payment solutions include:
CHUB rarely has direct contact with the individual cardholder and we may need to collect personal information about you from other people or organisations. This may happen without your direct involvement. For instance, we may collect personal information about you from other organisations, who jointly with us, provide products or services to you.
The circumstances in which CHUB will collect personal information about you, as the holder of the prepaid solution, includes when:
What personal information do we collect?
CHUB collects a variety of personal information which depends on the nature of your interaction with us.
CHUB collects and/or tracks the following types of personal information when you use our cherrypay prepaid solution:
Domain names; and
Information we receive from third parties including the issuer of the prepaid card, credit bureaus and information services and aggregation businesses, regarding verification of identification details.
While you use our prepaid solution, we may collect and hold additional personal information about you. This could include transaction information or making a record of queries or a complaint you make.
For what purposes do we collect, hold, use and disclose personal information?
The main reason we collect, use, hold and disclose personal information is to provide you with products and services.
We may also collect, use and exchange your information so that we can:
CHUB encourages you to review the privacy statements of websites, if any, which are linked to our website so that you can understand how those websites collect, use and share your information. CHUB is not responsible for the privacy statements or other content on websites outside of the CHUB website.
We may aggregate and anonymise personal information (so that it cannot be used to identify you) to use in reports provided to third parties (such as venues offering the cherrypay prepaid solution to their customers) and for our own reporting for product and service development, enhancement and research.
Is the information disclosed to third parties?
CHUB may disclose your personal information to third parties:
CHUB may also disclose personal information to other third parties in circumstances where:
CHUB does not use or disclose the personal information for any other purpose unless one of the following applies:
As a matter of course, CHUB does not disclose personal information to overseas recipients.
If this position changes, we will only send your personal information outside Australia where, for example:
CHUB will continue to keep your personal information as is reasonably necessary, for the purposes mentioned above, after the expiry of the prepaid solution.
Your consent is important
CHUB may require your consent to use and/or disclose your information in particular ways.
We may need your consent, for example, if we use your information for a purpose that is not related to the purpose for which we collected your information in the first place.
Depending on the circumstances, this consent may be express (for example, you expressly agree to the specific use of your information by ticking a box) or implied by some action you take or do not take (for example your agreement is implied by the fact that you have agreed to your product terms and conditions which contains information about the use of disclosure).
Do we collect personal information electronically?
Each time you visit our cherrypay website or our cherrypay app, we collect information about your use of the website or app, which may include the following:
This information is obtained through the use of google analytics.
Security of your Personal Information
CHUB protects your personal information from unauthorised access, misuse and disclosure.
Our security safeguards include:
|Physical Security||We maintain physical security, such as locks and security systems over our paper and electronic data stores and premises where applicable.|
|Staff education||We train and remind our staff of their obligation with regard to your information.|
|System security||When you transact with us we encrypt data sent from your computer to our systems. Where appropriate, we have firewalls, password protection, intrusion detection systems and virus scanning tools to protect against unauthorised persons and viruses accessing our systems.
When personal information is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol. We also limit access by requiring use of passwords.
|Destroying or de-identifying data when no longer required||Where practical, we keep information only for as long as required (for example, to meet legal requirements or our internal needs).|
CHUB stores the personal information it holds in connection with its cherrypay pre-paid solution at datacentres in Australia.
Protecting your privacy
You can help us to protect your privacy by observing our security requirements and contacting us immediately if your contact details change.
We require you to keep your personal identification number (PIN), passwords and access codes confidential and secure at all times. This means that you should not disclose you PIN, passwords or access codes to any other person. You should contact CHUB immediately, if you believe that your PIN, passwords or access codes may have been disclosed to another person or if you would like to change your PIN or password.
Access to your personal information
You are entitled to ask us to supply you with any personal information that we hold about you. You must submit your request in writing to the appropriate address as below:
Cherry Hub Pty Ltd
International Towers, Tower 1, Level 35
100 Barangaroo Avenue,
Sydney, NSW, 2000, Australia
We maintain the quality of your personal information by taking reasonable steps to ensure that the information collected, used and disclosed is accurate, complete and up-to-date.
You may also update your personal information at any time by emailing CHUB at firstname.lastname@example.org.
We may decline an access or correction request in circumstances prescribed by the Privacy Act. If complying with your request for access requires considerable time and expense on our part, we may charge you a reasonable fee for providing you with the information.
If we do refuse your access or correction request, we will provide you with written reasons for our decision and, in the case of a request for correction, we will include a statement with your personal information about the requested correction (if you ask us to do so).
How to make a complaint
We will acknowledge your complaint as soon as we can after receipt of your complaint. We will let you know if we need any further information from you to resolve your complaint.
We aim to resolve complaints as quickly as possible. We strive to resolve complaints within five business days but some complaints take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response.
If you’re not satisfied with our handling of your matter, you can refer your complaint to external dispute resolution.
Under the Privacy Act, you may complain to the Office of the Australian Information Commissioner by calling them at 1300 363 992, online at www.oaic.com.au or writing to the Office of the Australian Information Commissioner, GPO Box 5218 Sydney NSW 2001.
Changes to this Statement
Cherry Hub can be contacted via: