Privacy Policy

Your privacy matters deeply to us. Here is exactly how we handle your data.

Last updated: 1 January 2026

PayPig Australia Pty Ltd ("we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform at paypigaustralia.com.au ("Platform"). This policy is compliant with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using the Platform, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use the Platform.

1. What Information We Collect

1.1 Information You Provide Directly

Account information: username, email address, password (stored as a one-way hash), date of birth, gender, and location (city/state);
Profile information: photos, bio, preferences, and any other information you choose to add to your public profile;
Communications: messages sent through our platform messaging system, and correspondence with our support team;
Payment information: billing address and payment method details. Note: full card numbers are processed by our PCI-DSS-compliant payment processor and are never stored on our servers;
Identity verification: government-issued ID documents submitted for age or identity verification (retained only as long as legally required).

1.2 Information Collected Automatically

Usage data: pages visited, features used, search queries, and interaction patterns;
Device data: IP address, browser type, operating system, device identifiers, and time zone;
Cookies and similar technologies: session cookies, preference cookies, and analytics identifiers. See Section 8 for details.

1.3 Information From Third Parties

If you sign in using a third-party service (e.g., Google), we may receive basic profile information such as your name and email address, subject to that service's privacy settings.

2. How We Use Your Information

We use the information we collect to:

Create and manage your account;
Provide, operate, and improve the Platform and its features;
Match you with compatible members using our recommendation algorithm;
Process payments and send transaction confirmations;
Verify your age and identity;
Respond to your enquiries and provide customer support;
Send you service-related notifications (account activity, policy updates);
Send you optional marketing communications if you have opted in;
Monitor for and prevent fraud, abuse, and violations of our Terms of Service;
Comply with our legal obligations under Australian law.

We will not use your information for any purpose that is incompatible with the above without your consent.

3. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

With other members: information you include in your public profile is visible to other registered members;
Service providers: trusted third-party vendors who assist us in operating the Platform (hosting, payment processing, email delivery, analytics) under strict data processing agreements;
Legal compliance: where required by law, court order, or government authority, or to protect the rights, property, or safety of our users or the public;
Business transfers: in connection with a merger, acquisition, or sale of all or a portion of our assets, subject to the acquirer agreeing to honour this Privacy Policy;
With your consent: for any other purpose with your explicit prior consent.

4. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our services. If you delete your account:

Your public profile and messages are removed within 30 days;
Billing records are retained for 7 years as required by Australian tax law;
Identity verification documents are deleted within 90 days of account closure;
Backup copies may persist for up to 90 days before being purged.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

TLS 1.3 encryption for all data in transit;
AES-256 encryption for sensitive data at rest;
End-to-end encryption for private messages between members;
Regular third-party security audits and penetration testing;
Multi-factor authentication options for your account;
Role-based access controls limiting employee access to personal data.

No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee absolute security. If you become aware of any security vulnerability, please contact us immediately at security@paypigaustralia.com.au.

6. Your Rights Under Australian Privacy Law

Under the Australian Privacy Act 1988 and the Australian Privacy Principles, you have the right to:

Access: request a copy of the personal information we hold about you;
Correction: request correction of inaccurate or incomplete personal information;
Anonymity: where practicable, interact with us anonymously or using a pseudonym;
Complaint: lodge a complaint about our privacy practices with us or the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au;
Opt-out: unsubscribe from marketing communications at any time via the unsubscribe link in any email or through your account settings.

To exercise any of these rights, contact us at privacy@paypigaustralia.com.au. We will respond within 30 days.

7. International Data Transfers

Our servers are located in Australia. Some of our third-party service providers may process data outside Australia. Where this occurs, we take reasonable steps to ensure those providers are subject to privacy obligations comparable to the Australian Privacy Principles, in accordance with APP 8.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to operate and improve the Platform. The types we use include:

Essential cookies: required for the Platform to function (login sessions, security tokens). Cannot be disabled.
Preference cookies: remember your settings and preferences.
Analytics cookies: help us understand how users interact with the Platform (aggregated, anonymised). You may opt out via your browser settings or our cookie banner.

You can control cookies through your browser settings. Disabling certain cookies may affect Platform functionality.

9. Children's Privacy

The Platform is strictly for adults aged 18 and over. We do not knowingly collect personal information from anyone under 18. If we become aware that a person under 18 has provided us with personal information, we will delete that information immediately and terminate the relevant account. If you believe we have inadvertently collected information from a minor, please contact us at safety@paypigaustralia.com.au.

10. Links to Other Sites

The Platform may contain links to third-party websites. This Privacy Policy applies only to our Platform. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or by a prominent notice on the Platform at least 14 days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the updated policy.

12. Contact Our Privacy Officer

If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact our Privacy Officer:

Email: privacy@paypigaustralia.com.au
Post: Privacy Officer, PayPig Australia Pty Ltd, Sydney NSW, Australia
Web: Contact form — select "Privacy Enquiry" as the subject

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.