cashwo

Get Started
Menu

Privacy Policy

Overview

Effective Date: 01/09/2025

Last Updated: 01/09/2025

PayAny1 Pty Ltd (ABN 51 630 466 303), trading as Cashwo, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our payment gateway services and website, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

1. Information We Collect

1.1 Personal and Business Information

  • Full name, business name, ABN, address, email, and phone number
  • Bank account details for settlement and direct-debit authorisations
  • Transaction history, PayTo agreement details, and invoice records
  • Device and browser data (IP address, cookies, operating system)
  • Communications with support (phone, email, chat)

1.2 Information from Third Parties

  • Credit reporting bodies and identity-verification services
  • Banks, payment networks, and financial institutions
  • AUSTRAC, ASIC, and other regulatory authorities
  • Publicly available sources (e.g., government registers)

2. How We Collect Information

  • When you register for a Cashwo Business User account
  • When you set up or manage PayTo agreements through the web portal
  • When you make enquiries or lodge support requests
  • Through website cookies and analytics tools
  • From third parties for identity verification and compliance

3. Use of Your Information

We use personal information to:

  • Provide and manage our payment gateway and PayTo services
  • Process direct-debit transactions and settlements
  • Verify identities under AML/CTF laws
  • Monitor for fraud, unauthorised activity, and compliance reporting
  • Communicate service updates, notices, and support responses
  • Conduct internal audits, risk assessments, and service improvements

4. Disclosure of Your Information

We may disclose information to:

  • Our employees, contractors, and professional advisers
  • Banks, payment service providers, and technology partners
  • AUSTRAC, ASIC, and other regulators as required by law
  • Debt-recovery agencies (if necessary)
  • Prospective buyers or investors in a corporate transaction

We do not currently disclose personal information overseas. If this changes, we will update this Policy and ensure appropriate safeguards.

5. Direct Marketing

We will only send marketing communications if you have opted in. You can opt out at any time by:

6. Data Retention and Security

  • We retain personal information as long as necessary for service delivery, legal obligations, and dispute resolution.
  • We employ encryption, access controls, secure servers, and regular security audits to protect data.
  • Upon request, we will securely delete or anonymise data that is no longer required, subject to legal and regulatory retention requirements.

7. Cookies and Tracking

  • We use cookies and analytics (e.g., Google Analytics) to improve portal functionality and user experience.
  • You may disable cookies via your browser settings, but this may affect service performance.

8. Access and Correction

You may request access to or correction of your personal information by contacting us at support@cashwo.com.au. We will respond within 30 days and may require identity verification.

9. Data Breach Notification

In the event of an eligible data breach causing serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) under the Notifiable Data Breaches scheme.

10. AML/CTF Compliance

To meet our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), we collect and verify identity information and monitor transactions for suspicious activity. We may report certain transactions to AUSTRAC without prior notice and, if required, delay or suspend services.

11. Complaints

If you are concerned that we have not complied with your legal rights or the applicable privacy laws, contact our Privacy Officer in the first instance. Please contact our Privacy Officer with a thorough description of your concerns and a response will be provided within a reasonable period. All complaints must be in writing.

When processing a compliant, we will require you to provide us with information to confirm your identity before processing a request related to information we may hold about you.

Privacy Officer
PayAny1 Pty Ltd (trading as Cashwo)
Suite 403, 227 Collins Street, Melbourne VIC 3000
Phone: 1300 757 757
Email: support@cashwo.com.au

We expect our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied, you can also contact the Office of the Australian Information Commissioner as follows:

  • Director of Compliance Office of the Australian Information Commissioner
  • GPO Box 5288
  • Sydney NSW 2001

For more information on privacy see the Australian Information Commissioner’s website

12. Changes to This Policy

We may update this Policy periodically. The latest version will be availableat www.cashwo.com.au/privacy-policy.html. Please review it regularly.

Thank You

your message has been sent