Terms of Use

Perfectpayday.com.au is a trading style of Pingtree PTY Ltd registered address, (registered number 159 893 491), whose registered office is at Level 3, Queen Adelaide Building, 112 Queen Street Brisbane QLD. We are regulated by the Australian Securities and Investments Commission under the National credit l Act Registered Licence Number: 159 893 491 I.

Perfectpayday.com.au appreciates the importance of privacy to all of our website visitors. We are committed to

Collection of Information

Our primary purpose in collecting your personal information and other data, is to provide you with our services as a credit broker and assist you in finding a payday loan. You must not give us inaccurate or incorrect information, or omit to provide us with information as we may not be able to provide you with our services.

We collect and/or track the following types of personal information:

a. The personal information you provide to us through our on-line forms and surveys including your name, address, occupation, age, gender, your e-mail addresses, bank account details, income details, and other financial information.

b. Information we receive from third parties, such as credit bureaus, consumer credit reporting agencies and other lenders, regarding creditworthiness and credit history.

c. Information we receive from other third parties, such as lead providers and others.

We may collect the following types of website related information:

a. Information in relation to your web page “http headers” and home server domain names, IP address, the type of computer you are using, and the type of Web browser you are using.

b. We also collect information, on what pages visitors to our website access. This information can be both user specific or collected in aggregate.

c. We receive and store certain types of information, i.e. “cookies”, whenever you interact with our website. It helps us monitor which sections of the site are most popular and gives us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site, which further helps us to customise our on-line information.

d. The email addresses of visitors that communicate with us via email.

e. To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email or have clicked on the images and/or links therein.

f. If you are required to telephone us using the specified telephone numbers on our website or advertising/marketing/correspondence material then your call may be recorded for training, quality and regulatory purposes.

Use and Disclosure of Information

We use your personal information and other data provided to us to assess and submit your application to our credit providers and assist you in obtaining a loan directly from them. We also use your personal information and other data to enhance your experience on our website, and to transmit marketing communications. We may also use your personal information and other data for such purposes records, improving our website, conducting statistical analysis and for editorial or feedback purposes.

When you provide your personal information and other data, you are consenting to sharing it with our third parties for the following purposes:

a. Third Party Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring and credit reporting companies, debt collectors, and lead providers. Their access is limited only to the personal information and other data needed to perform their functions, and only for the purpose of performing those functions.

b. Fraud Prevention: If false or inaccurate information is provided, including in relation to a person’s identity and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may access and use this information.

c. We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages or fax.

d. Direct marketers: The contents of our customer database is only shared with carefully selected 3rd parties who may email or SMS you from time to time with other financial offers that may be suitable to you. By providing us with your email address and mobile, you give your consent to us using this information as described. If you prefer not to receive 3rd party information, or information from us, you may opt out at any time by using the “unsubscribe” function available in the marketing emails or SMS that are sent to you. If you opt-out of our use of your personal information for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request.

e. Third parties could contact you as we may be unable to offer you the payday are looking for, this way third parties may have a product or service to offer you which potentially could suit your needs. If this is the case the third parties will pass your details onto a lender, who may require carry out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful they will too have their own privacy policy and recommend you refer to them, upon making your application, you will be requested to agree to their use of your information.

Use and Disclosure of Information

We will preserve the content of any e-mail that you send us if we are legally required to do so. Where appropriate, we may record your e-mail address against the relevant company name on our confidential customer database.

Security of Information

PerfectPayday.com.au has taken all reasonable care to preserve the security of personal information submitted via the PerfectPayday.com.au web site. PerfectPayday.com.au is committed to regularly reviewing developments in security and encryption technologies. As no data transmission over the Internet can be guaranteed as totally secure. PerfectPayday.com.au cannot guarantee the security of any information you transmit to us or from our online products or services and you do so at your own risk.

Upon receiving your transmission, we ensure the necessary steps are taken to preserve the security of the information in our customer database.

Access to your personal information

We are required by law to give you access to information that we hold about you upon your request. Please contact us at enquiries@pingtreeaus.com for access requests and other privacy related queries. Please note that there may be limited circumstances where we are prohibited by law to give you access to the information we hold about you. If you request this information then we ask that you submit your request in writing to us along with a fee for $10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.

Third party Websites

Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website’s contents to the relevant website provider.

Trademarks and copyright

All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the pages screens, information and material) included in the Website and all software and source codes connected with the Website (“Intellectual Property”) is owned by PerfectPayday.com.au or its related companies (unless otherwise noted). Any use of the Intellectual Property without PerfectPayday.com.au express permission is prohibited.

Perfect Payday is a trading name of Pingtree PTY Ltd, ACL Number (434380), Unit 4, 134 Constance Street, Fortitude Valley, Queensland 4006. Loans available to over-18s only, subject to status I Registration Number: 159 893 491 I @ 2012. Perfect Payday does not make payday loan or credit decisions, and is not a lender PaydayLoans matches customer’s loan applications with lenders in our database depending on the information provided.The completion of the application form does not guarantee approval of a loan. The payday loan amount will vary depending on the lender who accepts the application within our database. $1000 may not be available to every customer. The time taken to transfer a cash advance loan may vary. This website does not directly endorse a particular product and service. Any information on this website should be taken as opinion only.