Pocketbook Australia Pty Ltd ABN: 61 162 562 110 (referred to hereafter as “we”, “us” or “our”) provides an online service that allows you to easily better understand your spending (“Pocketbook”) and offers a cashback rewards program (“Pocketbook Rewards”) in Australia to help consumers save money. More information about using Pocketbook and Pocketbook Rewards is available here: https://getpocketbook.com/terms-of-use/. Pocketbook consolidates and tracks your financial information on the Pocketbook app (“the App”) available on the Pocketbook website https://getpocketbook.com (“the Website”). Based on this information, Pocketbook may also present information relating to third party products or services.
Our privacy and security procedures aim to (1) prevent identity theft and (2) secure the Personal Information that we hold. We regularly re-evaluate those procedures and adapt them, as necessary, to deal with new challenges and emerging issues. We strive to implement best-practice security standards.
Certain features of Pocketbook are made available to You without the need to register or to provide any of Your Personal Information to us. However, other features of Pocketbook require You to register as a Pocketbook User.
When You register as a Pocketbook User, we will collect Personal Information such as Your email address, Your first name and Your last name (depending on whether you register via the Website or the App).
In order to benefit from the full functionality of Pocketbook, You must provide us with Your Account Credentials. By doing so, You will enable us to link Your Pocketbook account with Your Bank Account. For clarity, Account Information will be collected from all Bank Accounts for which You provide Account Credentials.
Due to the nature of Pocketbook, from time to time, we may collect and hold additional Personal Information or other information about You. This information may be secured shared with a third party if required or necessary and can include:
This is not an exhaustive list.
Tax file number
We will only collect, hold, use and disclose Your tax file number in accordance with the Privacy Act 1988 (Cth), the Privacy (Tax File Number) Rule 2015, the Tax Administration Act 1953 (Cth) and other applicable laws (as amended from time to time). Without limiting our obligations under those laws, we will take reasonable steps to ensure that You are informed of:
We may collect Your information in a number of ways including:
You have a right not to provide information to us. We will give You the opportunity to provide or to decline to provide information and, where practicable and lawful, we will allow You to interact with us anonymously or by using a pseudonym. However, if You choose not to provide certain information about You, we may not be able to provide You with the service You request or the level of service on which we pride ourselves.
We take the privacy and security of Your information seriously.
We use various technical solutions, security controls and internal procedures to help us protect Your information. For example:
For clarity, these precautions apply only to Pocketbook. We exercise no control over how Your information is stored, maintained or displayed by third-parties or on third-party websites.
You are responsible for maintaining the confidentiality of Your Pocketbook Registration Information.
If You have a security related concern, please contact us at [email protected]. We will work closely with You to ensure a rapid and personal response to Your concerns.
Our main purpose for collecting information about You is:
We may use Your information so that we and our business partners can promote and market products and/or services that we think may be of interest to You (including products and/or services provided by a third-party). This marketing may be carried out in a variety of ways (including by email or by customising online content) and may continue after You stop using Pocketbook, until You opt-out. You may opt-out by emailing us at [email protected] or by following the “unsubscribe” instructions in any email communication You receive from us.
From time to time, we may disclose Your information with entities outside of our organisation. These may include:
The entities to which we disclose Your information have been selected in accordance with our security policies and practices, and are bound by confidentiality obligations. If they fail to meet these obligations, they may be subject to disciplinary action, termination of contract and/or criminal prosecution.
Our contracts with the entities to which we disclose Your information:
We do not share information with entities which are located, or have operations, outside of Australia. However, should this change in the future, we will seek Your consent and we will deal with that change in accordance with all applicable laws.
We may de-identify Your Personal Information or aggregate it in such a way that it cannot be used to identify You. We may disclose de-identified information to several entities, including:
Our de-identification procedure involves:
Your Data is Yours. You can remove it anytime You want. When You request us to delete Your Pocketbook account, Your Data will be permanently expunged from our primary production servers and further access to Your Pocketbook account will not be possible. We will also promptly disconnect any connection we had established to Your Account Information and delete all Account Credentials.
However, portions of Your Data, consisting of aggregate Data derived from Your Account Information, may remain on our production servers indefinitely. Your Data may also remain on a backup server or media. We keep these backups to ensure our continued ability to provide the Service to You in the event of malfunction or damage to our primary production servers.
If Your Personal Information changes, You may update it at any time via the Website or the App. Otherwise please contact us at [email protected].
If You wish to access any of Your information that we hold or You would like to correct any errors in that information, You may contact us at [email protected].
The Australian Privacy Principles set out a number of rules in respect of accessing, updating and correcting Your information. For example, we may refuse to give You access to Your information if giving access would have an unreasonable impact on the privacy of other individuals, if Your request for access is frivolous or vexatious, or if the information relates to existing or anticipated legal proceedings.
If we refuse to give You access to, or update, or correct Your Personal Information, we will provide You with a written explanation including the reasons for our refusal.
We may charge You an administrative fee for providing access to Your information in response to a request.
We may gather information about You through cookie technology. For example, we may assign a cookie to You to limit the amount of times You see a particular Pocketbook offer or to help better determine which Pocketbook offers to serve to You or to track your activity on a merchant website to confirm your eligibility for any reward earned via Pocketbook Rewards. Please note that most Internet browsers will allow You to stop cookies from being stored on Your device and to delete cookies stored on Your device. However, if You choose to eliminate cookies, the full functionality of Pocketbook may be impaired for You.
We encode our cookies so that only we can interpret the information stored in them.
We also use web and mobile analytics, including using Google Advertising ID. For example, Web beacons are images embedded in a web page or email for the purpose of measuring and analysing a website’s usage and activity. We, or third-party service providers acting on our behalf, may use web beacons to help us analyse Pocketbook usage and improve Pocketbook.
For clarity, the information provided by web beacons and cookies may personally identify You. By using Pocketbook, You consent to the collection of Your information by those methods.
There are a number of products and services offered by third-parties, advertised through Pocketbook that may be complementary to Your use of Pocketbook. If You choose to use these separate products or services, disclose information to the providers, or grant them permission to collect information about You, then their use of Your information will governed by their own privacy policies.
We may present links in a format that enables us to keep track of whether these links have been followed and whether any action has been taken on a third-party website. We use this information to improve the quality of our offer and to customise the content available from Pocketbook.
We will take all reasonable precautions and measures to maintain the security and privacy of your Personal Information. This includes using the very best in hardware, software, and security practices available to us. However, due to the nature of the Internet and the nature of the systems and technology available at the current time, it is unfortunate that breaches of security are still possible. Therefore, we cannot guarantee that your information will be completely secure, and to the maximum extent permitted by law we cannot be held liable for any loss or damage arising out of a breach of security.
Personal Information may be transferred to a third-party as a result of a sale, acquisition, merger, reorganisation or other change of control affecting us. If we sell, merge or transfer any part of our business, part of the sale may include Your Personal Information.
If You wish to notify us of any privacy complaint You may have against us, including if You think that we have failed to comply with the Australian Privacy Principles, You may contact us at [email protected].
We are committed to acknowledging Your complaint in a prompt manner and will give You an estimated timeframe for when we will respond to Your complaint.
It is our intention to resolve Your complaint to Your satisfaction. However, if You feel that Your complaint has not been satisfactorily addressed or that it is taking too long to resolve Your complaint, You are entitled to contact the Office of the Australian Information Commissioner (OAIC), on 1300 363 992 or the other contact details on the OAIC’s website (oaic.gov.au), who may investigate Your complaint further.
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