Legal
Privacy Policy
How CapGuard collects, uses, stores and protects your personal information in accordance with the Australian Privacy Principles.
1. Who we are
CAPGUARD AU PTY LTD (ABN 36 697 297 840, ACN 697 297 840) (“CapGuard”, “we”, “us”, “our”) is an Australian payment services provider with its registered office at Level 26, 1 Bligh St, Sydney NSW 2000. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This policy explains what personal information we collect, how we use and protect it, and the rights you have in relation to that information.
2. Information we collect
The information we collect depends on how you interact with us. It may include:
- Identity and contact details — full name, date of birth, residential address, email, phone number, nationality, and identification documents required by law.
- Financial and transactional information — account numbers, transaction details, source of funds, and counterparty information.
- Business information — for business customers, details of directors, beneficial owners, and company structure.
- Technical information — IP address, device identifiers, browser type, and interaction logs when you use our website or applications.
- Communications — records of correspondence, phone calls and support enquiries.
3. How we use your information
We use personal information to:
- Provide and administer our payment services, including wallets, remittance, FX and card products.
- Verify your identity and comply with applicable anti-money laundering and counter-terrorism financing obligations.
- Prevent, detect and investigate fraud, sanctions breaches and other unlawful activity.
- Improve our products, services and website.
- Communicate with you about your account, transactions, and service updates.
- Meet other legal and regulatory obligations.
4. When we share your information
We do not sell your personal information. We may share it with:
- Banking, card and payment partners required to execute your transactions.
- Identity verification, fraud screening and compliance service providers.
- Regulators and law enforcement when required or permitted by law.
- Professional advisors bound by duties of confidentiality.
Some recipients may be located outside Australia. Where this occurs, we take reasonable steps to ensure the recipient handles your information consistently with the APPs.
5. How we protect your information
We apply technical and organisational measures appropriate to the sensitivity of the information we hold. These include encryption of data in transit and at rest, access controls, staff training, and ongoing monitoring for security events.
No system is perfectly secure. In the unlikely event of an eligible data breach, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required by law.
6. How long we keep your information
We retain personal information for as long as necessary to provide our services and to meet legal obligations. Financial and transactional records are typically held for seven years after the end of the relationship, as required by Australian law.
7. Your rights
You have the right to:
- Request access to the personal information we hold about you.
- Request correction of information that is inaccurate, out of date or incomplete.
- Make a complaint about how we have handled your information.
To exercise any of these rights, contact us at info@capguard.com.au. We will respond within a reasonable time.
8. Cookies and analytics
Our website uses cookies and similar technologies. See our Cookie Policy for details about the cookies we use and how to control them.
9. Changes to this policy
We may update this policy from time to time. The “last updated” date at the top of this page shows when it was most recently revised. Material changes will be highlighted on our website.
10. Contact us
If you have questions about this policy or how we handle your information, please contact:
CAPGUARD AU PTY LTD
ABN 36 697 297 840 · ACN 697 297 840
Attn: Privacy Officer
Level 26, 1 Bligh St, Sydney NSW 2000
Email: info@capguard.com.au
If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au.