As this site uses PayPal for it's transactions, we adhere to
the same Privacy Policy as below, which is the same used by
PayPal.
This Privacy Policy applies to Australia. To view the Privacy
Policy for a different country or region, please click the
appropriate link above.
This Privacy Policy applies to Australian users of the PayPal
Service.
The Privacy Policy below governs your PayPal account and any
information you provide to PayPal Australia Pty Limited.
A. Overview
To operate the PayPal service and to reduce the risk of fraud,
PayPal Australia Pty Limited ABN 93 111 195 389 ("PayPal", "we" or
“us”) must ask you to provide us with information about yourself
and your credit or debit card and/or bank account. This Privacy
Policy describes the information we collect and how we use that
information. PayPal takes the privacy of your personal information
very seriously and will use your information only in accordance
with the terms of this Privacy Policy. We will not sell or rent
your personally-identifiable information or a list of our customers
to third parties. However, as described in more detail in Part C
below, there are limited circumstances in which some of your
information will be shared with third parties, under strict
restrictions, so it is important for you to review this Privacy
Policy. This Privacy Policy applies to all services that are hosted
on the PayPal.com/au Web site, whether the services are offered by
PayPal or by its related companies.
By accepting the Privacy Policy and User Agreement when you
register for the PayPal Service, you expressly consent to our use
and disclosure of your personal information in the manner described
in this Privacy Policy. This Privacy Policy is incorporated into
and subject to the terms of the PayPal User Agreement. This Privacy
Policy was last updated on 2 February 2006.
Please note that your personal information may be stored and
processed on PayPal’s computers in Australia, Singapore or the
United States. The laws on holding personal data in Singapore or
the United States may not be identical to the laws of Australia but
PayPal will hold and transmit your personal information in a safe,
confidential and secure environment. If you object to your personal
information being transferred or used as described in this Privacy
Policy, please do not register for the PayPal service.
Notification of Changes
This policy may be revised over time as new features are added to
the PayPal service or as we incorporate suggestions from our
customers. If we are going to use or disclose your
personally-identifiable information in a way that is materially
different from the way stated at the time we collected the
information, you will be able to choose whether or not we use or
disclose your information in this new way. Any material changes
will be effective only after we provide you by email with at least
30 days notice of the amended Privacy Policy (if you have closed
your PayPal account, you will not be contacted to notify you of the
amended Policy and your personal information will not be used or
disclosed in this new manner).
We will post the amended Privacy Policy prominently on our Web
site so that you can always review what information we gather, how
we might use that information and whether we will disclose it to
anyone. Please check the PayPal Web site at www.paypal.com.au at
any time for the most current version of our Privacy Policy.
Other pages on the PayPal Web site include links to third-party
websites. These sites are governed by their own privacy statements
and PayPal is not responsible for their operations, including but
not limited to their information practices. Users submitting
information to or through these third-party Web sites should review
the privacy statement of these sites before providing them with
personally-identifiable information.
A Special Note About Children. Children are not eligible to use
our service and we ask that minors (under the age of 18) do not
submit any personal information to us or use the service.
B. Information We Collect
Required Information
To open a PayPal account, you must provide your name, address,
phone number and email address. To make payments through PayPal you
must provide credit card, debit card or bank account information.
We also ask you to choose two different security questions to
answer (such as your city of birth or your pet's name). This
required information is necessary for us to process transactions,
issue a new password if you forget or lose your password, protect
you against credit card fraud and bank account fraud, and to
contact you if we need to, when administering your account.
Transaction Information
When you use PayPal to send money to someone else or request money
from someone else, we ask you to provide information related to
each transaction, including the amount of the transaction, the type
of transaction (purchase of goods, purchase of services, or simple
money transfer ("quasi-cash")) and the email address of the third
party. We retain this information for each of your transactions
through PayPal. We also collect the Internet address (IP address)
of the computer or device you use to access your PayPal account, to
help detect potentially-unauthorised transactions.
Information About You From Third Parties
To protect all our customers against potential fraud, we may use
third parties to verify the information you provide. In the course
of such verification we receive personally-identifiable information
about you from such services. In particular, if you register a
credit card or debit card with PayPal, we will use card
authorisation and fraud screening services to verify that your card
information and address matches the information that you supplied
to PayPal and that the card has not been reported as lost or
stolen.
If you send or receive high overall payment volumes through
PayPal, in some circumstances we will conduct a background check on
your business by obtaining information about you and your business
from a credit bureau or a business information service such as Dun
& Bradstreet. If you incur a debt to PayPal we will generally
conduct a credit check on you by obtaining additional information
about you from a credit bureau, to the extent permitted by law.
PayPal, at its sole discretion, also reserves the right to
periodically retrieve and review a business and/or consumer credit
report for any account and reserves the right to close an account
based on information obtained during this credit review
process.
Additional Verification
If we cannot verify the information that you provide, we ask you to
send us additional information by fax (such as your driving
licence, credit card statement and/or a recent utility bill or
other information linking you to the applicable address), or to
answer additional questions online to help verify your
information.
Web Site Traffic Information
Because of the way that World Wide Web communication standards
work, when you arrive at or leave the PayPal Web site, we
automatically receive the Web address of the site that you came
from or are going to. We also collect information on which pages of
our Web site you visit while you are on the PayPal site, the type
of browser you use and the times you access our Web site. We only
use this information to try to understand our customers'
preferences better and to manage the load on our servers, so as to
improve our service and your experience with PayPal.
Our Use of "Cookies"
"Cookies" are small files of data that reside on your computer and
allow us to recognise you as a PayPal customer if you return to the
PayPal site using the same computer and browser. We send a "session
cookie" to your computer if and when you log in to your PayPal
account by entering your email address and password. We use these
cookies to recognise you if you visit multiple pages in our site
during the same session, so that you don't need to re-enter your
password multiple times. Once you log out or close your browser,
these session cookies expire and no longer have any effect.
We also use longer-lasting cookies to display your email address
on our sign-in form so you don't have to retype the email address
each time you log in to your PayPal account. In addition, we use
cookies to process our referral programme, described in Section C
below. Our cookie files are encoded so that your email address and
other information can only be interpreted by PayPal. We may,
however, share cookie information with certain merchants with whom
we have an official co-marketing relationship regarding whether a
user identified by the merchant is already registered with
PayPal.
Customer Service Correspondence
If you send us correspondence, including emails and faxes, we
retain such information in the records of your account. We will
also retain customer service correspondence and other
correspondence from PayPal to you. We retain these records so that
we can measure and improve our customer service and investigate
potential fraud and violations of our User Agreement. We may, over
time, delete these records if permitted by law.
Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys to
our users for such purposes as collecting demographic information
or assessing users' interests and needs. The use of the information
collected will be explained in detail in the survey itself. If we
collect personally-identifiable information from our users in these
questionnaires and surveys, the users will be given notice of how
the information will be used prior to their participation in the
survey or questionnaire.
Non-member Recipients and Requests
When a member either sends a payment to, or requests a payment
from, an individual who is not a registered member of PayPal, we
will retain the information that the member submits to us,
including, for example, the other party's email address and/or
name. We do this for the benefit of the member who is attempting to
contact the non-member, so that the member can see a complete
record of his or her transactions, including uncompleted
transactions. Although this information is stored indefinitely, we
will not use or share this information to sell to the non-member in
any way at any time. Additionally, these non-members have the same
rights to access and correct information about themselves (assuming
that their email addresses were correct enough to reach them) as
anyone else who uses PayPal.
C. Our Use and Disclosure of Information
Internal Uses
We may collect, store and process your personal information on
servers operated by a related company located in Singapore or in
the United States. We use the information we collect about you for
these purposes: 1) to provide our services and process your
transactions, 2) to provide customer service, 3) to determine if
you are eligible to receive offers for special features or products
and 4) to improve our products and services. At your option (as
indicated in your PayPal Profile settings), we use the information
you provide to access specific third party services on your behalf
and perform the actions that you request us to perform, such as
invoicing winning bidders on your behalf if you are an auction
seller.
We only give access to individually-identifiable information
about our users to specific employees who need it to fulfil
customer service requests.
Disclosure to Other PayPal Customers
If you are a registered PayPal user, your name, email address, date
of sign-up and whether you have verified control of a bank account
are displayed to other PayPal customers whom you have paid or who
are attempting to pay you through PayPal. If you are a Business
account holder, we will also display to other PayPal customers the
Web site address (URL) and customer service contact information
that you provide us. However, your credit card number, bank account
and other financial information will NEVER be revealed to anyone
whom you have paid or who has paid you through PayPal, except with
your express permission or if we are required to do so pursuant to
a subpoena or other legal process. As PayPal may outsource some of
its functions, including data storage and processing, to related
entities or service providers in foreign jurisdictions those
related entities or service providers may be required to disclose
your personal information pursuant to a subpoena or other legal
process which originates in that foreign jurisdiction.
If you are buying goods or services and paying through PayPal,
the seller of the goods or services may request you to provide a
postal address that PayPal has confirmed as matching the billing
address in the credit card system. You do not have to provide this
information. If you do not provide the information, however, the
seller may choose not to accept your PayPal payment and not to
complete the transaction.
We work with third party merchants to enable them to accept
PayPal payments from you. Merchants who offer this service will
share personally-identifiable information you provide to them with
PayPal to validate your ability to pay with PayPal or the existence
of your account. By accepting this Privacy Policy you permit PayPal
to reply to the merchant with verification results of the validity
of the personally-identifiable information that you provided to the
merchant.
PayPal does not store the personally-identifiable information
provided by these merchants to validate the existence of your
account.
PayPal also discloses to other PayPal customers the number of
payments you have received from Verified PayPal customers (as
defined in the User Agreement on the www.paypal.com.au site), as an
indication of your reputation with other PayPal customers.
We may disclose to other PayPal customers and to third parties
information that we in good faith believe is appropriate to
cooperate in investigations of fraud or other illegal activity. For
example, this means that if we conduct a fraud investigation and
conclude that one side has engaged in deceptive practices, we can
give that person or entity's contact information (but not bank
account or credit card information) to victims who request it.
Disclosure to Third Parties Other Than PayPal Customers
PayPal will not sell or rent any of your personally-identifiable
information to third parties. PayPal will not share any of your
personally-identifiable information with third parties except in
the limited circumstances described in paragraphs 1 to 8 below, or
with your express permission (and with other PayPal customers as
described above). These third parties are limited by law or by
contract from using the information for secondary purposes beyond
the purposes for which the information is shared.
1. We share information with companies that help us process the
transactions you request and protect our customers' transactions
from fraud. For example, we may report your credit card number to a
service that screens for lost and stolen card numbers. See
"Information About You From Third Parties" in Section B above.
Additionally, if your balance with us goes into the negative, and
you owe us money, we may share information with processing
companies including collection agencies.
2. We may disclose the information we collect, as described in
Section B above, to companies that perform marketing services on
our behalf, such as companies that conduct user surveys. These
companies are subject to confidentiality agreements with us and
other legal restrictions that prohibit using the information except
to market the specified PayPal-related products or services, unless
you have affirmatively agreed or given your prior permission for
other uses.
3. We disclose information that we in good faith believe is
appropriate to cooperate in investigations of fraud or other
illegal activity, or to conduct investigations of violations of our
User Agreement. For example, this means that if we conduct a fraud
investigation and conclude that one side has engaged in deceptive
practices, we can give that person or entity's contact information
(but not bank account or credit card information) to victims who
request it.
4. We disclose information in response to a subpoena, warrant,
court order, levy, attachment, order of a court-appointed receiver
or other comparable legal process, including subpoenas from private
parties in a civil action. As PayPal may outsource some of its
functions, including data storage and processing, to related
entities or service providers in foreign jurisdictions those
related entities or service providers may be required to disclose
your personal information pursuant to a subpoena or other legal
process which originates in that foreign jurisdiction.
5. We disclose information to your agent or legal representative
(such as the holder of a power of attorney that you grant, or a
guardian appointed for you).
6. We share aggregated statistical data with our business
partners or for public relations. For example, we may disclose that
a specific percentage of our users live in Australia. However, this
aggregated information is not tied to personally-identifiable
information.
7. As with any other business, it is possible that PayPal in the
future could merge with or be acquired by another company. If such
an acquisition occurs, the successor company would have access to
the information maintained by PayPal, including customer account
information, but would continue to be bound by this Privacy Policy
unless and until it is amended as described in Section A above.
8. We share your information with our parent companies,
subsidiaries and joint ventures to help coordinate the services we
provide to you, enforce our terms and conditions and promote trust
and safety. In particular, a number of information technology and
payment processing functions of the PayPal service are performed by
related PayPal group companies, including PayPal Singapore
(Private) Limited (in Singapore) and PayPal, Inc. (in the USA). By
accepting this Privacy Policy you are consenting to the transfer of
your personal information to such entities in accordance with this
Privacy Policy.
Our Contacts with PayPal Customers
We send users regular emails to provide requested services and we
also communicate by phone to resolve customer complaints or
investigate suspicious transactions. We use your email address to
confirm that you have opened a PayPal account, to send you notice
of payments that you send or receive through PayPal to send
information about important changes to our products and services
and to send notices and other disclosures required by law.
Generally, users cannot opt out of these communications, but they
will mainly be for information purposes, rather than
promotional.
We also use your email address to send you other types of
communications that you can control, including the PayPal
Periodical newsletter, auction tips, customer surveys and notice of
special third-party promotions. You can choose whether to receive
some, all or none of these communications when you complete the
registration process, or at any time after that, by logging in to
your account on the PayPal Web site and changing your preferences
in the Profile page of the My Account tab. You can also use the
same procedure to change your choices at any time.
In connection with independent audits of our financial
statements and operations, the auditors may seek to contact a
sample of our customers to confirm that our records are accurate.
However, these auditors cannot use personally-identifiable
information for any secondary purposes.
Internet Address Information
We use IP addresses, browser types and access times to analyse
trends, administer the site, improve site performance and gather
broad demographic information for aggregate use.
Your Use of Information and Our Services
To facilitate the transactions between PayPal members, our service
allows you limited access other users' contact or postage
information. As a seller you may have access to the name, email
address and other contact or postage information of the purchaser
and as a purchaser you may have access to the name, email address
and other contact information of the seller.
By entering into our User Agreement, you agree that you will
only use other users' personally-identifiable information which you
obtain through the site or through a PayPal-related communication
or PayPal-facilitated transaction, for: (a) PayPal-related
communications that are not unsolicited commercial messages, (b)
completing a transaction (e.g. postage of a purchased item or
dispute resolution) and (c) any other purpose that such user
expressly agrees to after adequate disclosure of the
purpose(s).
In all cases, you must provide users with the opportunity to
remove themselves from your database and review any information you
have collected about them to comply with Australian privacy laws.
In addition, under no circumstances, except as defined in this
Section, can you disclose personally-identifiable information about
another PayPal user to any third party without the consent of that
other user after adequate disclosure. Note that law enforcement
personnel and other rights holders are given different rights with
respect to information they access.
Anti-Spam
PayPal does not tolerate spam. Therefore, without limiting the
foregoing, you may not add a PayPal user to your mail list (email
or physical mail) without their express consent after adequate
disclosure, even if said user has previously made a purchase from
you. We strictly enforce this Policy. To report PayPal-related spam
to PayPal, please contact us.
Merchant Referral Programme
When you sign up for a PayPal account, you become eligible to
participate in our Merchant Referral Bonus programme. We provide
you with a link on the Merchant Referral Bonus page (available from
the Referrals link in the footer of any PayPal page) which
identifies you as the referrer. If a merchant uses that link to
sign up for a Premier or Business PayPal account and completes the
bonus requirements, you are eligible for a referral bonus.
If you use a referral link to sign up for a PayPal account, your
business name (if you have a Business account) or first and last
name (if you have a Premier account) may be listed in the
referrer's PayPal account, along with the amount of bonus you have
generated for the referrer, which is calculated as a percentage of
your transaction volume, as described in the Merchant Referral
Bonus Policy.
Please use our referral programme responsibly. We strictly
enforce our Anti-Spam Policy set out above. Read details on the
Referral Bonus by going to the Referrals link in the footer of any
PayPal page.
D. Information Security
Information Security
PayPal is committed to dealing with your customer information with
high standards of information security. Your credit card and bank
account information are stored only in encrypted form. We only give
access to your individually-identifiable information to specific
employees who need it to provide products or services to you. We
maintain physical, electronic and procedural safeguards to guard
your non-public personal information. We test our security systems
regularly and also contract with outside companies to audit our
security systems and processes. For more information on PayPal's
security practices, please visit the PayPal Security Centre. Where
the handling of your information is outsourced to a related company
or third party we ensure that they meet our standards in relation
to maintaining adequate information security and that their
handling of your personal information complies with our Privacy
Policy.
The security of your PayPal account also relies on your
protection of your PayPal password. You cannot share your PayPal
password with anyone. PayPal will never ask you to send your
password or other sensitive information to us in an email, though
we may ask you to enter this type of information on the PayPal
website, which will always have a URL beginning with
https://www.paypal.com/au.
Any email or other communication requesting your password,
asking you to provide sensitive account information via email, or
linking to a website with a URL that does not begin with
https://www.paypal.com/au should be treated as unauthorised and
suspicious and should be reported to PayPal immediately using the
contact form available from the footer of any PayPal page. If you
do share your PayPal password with a third party for any reason,
including because the third party has promised to provide you
additional services such as account aggregation, the third party
will have access to your account and some of your personal
information and you may be responsible for actions taken by the
third party using your password. If you believe someone else has
obtained access to your password, please change it immediately by
logging in to your account at www.paypal.com/au/ and changing your
Profile settings and also contact us right away as described in
Section F below.
E. Accessing and Changing Your Information
You can review the personal information you provided to us and
make any desired changes to that information, or to the settings
for your PayPal account, at any time by logging in to your account
on the PayPal Web site and changing your preferences in the Profile
page of the "My Account" tab. You can also close your account
through the PayPal Web site. If you close your PayPal account, we
will mark your account in our database as "Closed," but will keep
your account information in our database. This is necessary to
deter fraud, by ensuring that persons who try to commit fraud will
not be able to avoid detection simply by closing their account and
opening a new account. However, if you close your account, your
personally-identifiable information will not be used by us for any
further purposes, nor sold to or shared with third parties, except
as necessary to prevent fraud and assist law enforcement, or as
required by law.
F. Contacting Us
If you have any questions about this privacy statement, PayPal's
information practices, or your dealings with PayPal, you can
contact us on line using the contact form available from the footer
of any PayPal page, call (02) 8223-9500. Hours of operation for
Australian users are Monday to Thursday 8:00 am - 6:30 pm, and
Friday and Saturday from 8:00 am - 4:00 pm AEST, or write to us,
Attention: PayPal, Locked Bag 10, Australia Square PO, SYDNEY NSW
1215.
Concerning PayPal’s privacy practices as a financial institution
and our compliance with this Privacy Policy, PayPal is regulated by
the Commonwealth Privacy Act 1988 and the National Privacy
Principals.
You can obtain information about Australia’s privacy laws at http://www.privacy.gov.au. |
