Terms and Conditions

Welcome to Payble! We provide a payment platform that allows you to pay your council rates, fees and other charges online (Services), as set out in more detail on our website (Site).

In these Terms, when we say you or your, we mean you as an individual using our Services to make payments. When we say we, us, or our, we mean Payble Pty Ltd (ACN 644 944 927). If you are located in New Zealand, we contract with you through our Australian entity.

These terms and conditions (Terms) form our contract with you, and set out our obligations as a service provider and your obligations as a customer. You cannot use the Services unless you agree to these Terms.

Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.

OUR DISCLOSURES

Please read these Terms carefully before you accept. We draw your attention to:

- our privacy policy (on the Site) which sets out how we will handle your personal information;

- clause 1.4 (Variations) which sets out how we may amend these Terms;

- clause 3 (Payments) which sets out important information about making payments, including payment plans and direct debit arrangements; and

- clause 7 (Liability) which sets out exclusions and limitations to our liability under these Terms.

These Terms do not intend to limit your rights and remedies at law, including any of your Consumer Law Rights.

1. Services

1.1 Acceptance: These Terms apply from the time you agree to these Terms by clicking "I accept" (or similar) or by using the Services. Subject to your compliance with these Terms, we will provide you with access to the Services to enable you to make payments to your council or other organisations that use our platform.

1.2 Your responsibilities: When using the Services, you agree to:

(a) provide true, accurate and complete information when making payments or setting up payment plans;

(b) only use the Services for lawful purposes and in accordance with these Terms; and

1.3 Acceptable use: You must not:

(a) use the Services in any way that breaches any laws or infringes any person's rights (including privacy rights);

(b) attempt to gain unauthorised access to the Services or any systems or networks connected to the Services;

(d) use the Services to transmit, publish or communicate material that is defamatory, offensive, abusive, indecent, menacing, harassing or unwanted;

(e) attempt to reverse engineer or discover the source code of the Services; or

(f) use the Services in any way that could damage, disable, overburden or impair the Services.

1.4 We may amend these Terms at any time by providing written notice to you (including by displaying a notice on the payment platform). By clicking "I accept" or continuing to use the Services after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you should cease using the Services.

2. Payments

2.1 You can use the Services to make payments to council or other organisations who use our platform. When you make a payment, you authorise us to process that payment on behalf of the council or organisation.

2.2 All payments must be made in Australian dollars (AUD) for Australian users, or New Zealand dollars (NZD) for New Zealand users.

2.3 We accept payments by:

(a) credit card;

(b) debit card; and

(c) direct debit from your Australian bank account (for Australian users) or New Zealand bank account (for New Zealand users).

2.4 You may set up a payment plan to pay amounts owing in instalments. Payment plans allow you to:

(a) choose your instalment frequency (weekly, fortnightly or monthly);

(b) select your payment start date and schedule; and

2.5 When you set up a payment plan, you agree to the payment schedule you have selected. Payments will be automatically debited from your nominated bank account or charged to your nominated card on the scheduled dates.

2.6 If you choose to pay by direct debit (whether for a one-off payment or a payment plan), by providing your bank account or card details and accepting these Terms, you:

(a) authorise us (or our nominated third-party payment processor) to debit your bank account or charge your card for the amounts and on the dates specified in your payment arrangement;

(b) confirm that you are either the account holder or an authorised signatory of that bank account, or the authorised cardholder; and

(c) agree to notify us immediately if your bank account or card details change or if you wish to cancel the direct debit arrangement.

2.7 You may modify or cancel your payment plan by contacting us at hello@payble.com.au. Changes or cancellations will take effect:

(a) immediately for future scheduled payments that have not yet been processed; but

(b) will not affect payments that have already been processed or are currently being processed.

2.8 If you cancel a payment plan, you remain responsible for paying any outstanding amounts owing to your council or organisation. If a scheduled payment fails (for example, due to insufficient funds, expired card, or closed account):

(a) we will notify you of the failed payment;

(b) we may attempt to process the payment again;

(c) your council or organisation may charge you fees or interest on overdue amounts (in accordance with their terms); and

(d) we may suspend or cancel your payment plan if multiple payments fail.

2.9 You are responsible for ensuring that sufficient funds are available in your account or that your card details are current and valid.

2.10 Once a payment is successfully processed, you will receive a confirmation (via email or SMS, depending on your preferences). This confirmation is your receipt for the payment.

2.11 Payments made through the Services are payments to your council or organisation, not to us. If you believe a payment was made in error or you wish to dispute a payment, you must contact your council or organisation directly. We cannot issue refunds for payments made to councils or organisations. If you have been charged incorrectly by us (for example, duplicate processing), please contact us at hello@payble.com.au and we will use reasonable commercial endeavours to investigate and resolve the issue.

2.12 You must not pay, or attempt to pay, any amounts by fraudulent or unlawful means. If we suspect fraudulent activity, we may:

(a) suspend your access to the Services;

(b) cancel any pending payments or payment plans;

(d) take legal action to recover any losses.

2.13 We do not charge you any fees for using the Services to make payments. However:

(a) your council or organisation may charge fees, interest or penalties on overdue amounts;

(b) your bank or card provider may charge fees for processing payments or failed payments; and

(c) third-party payment processors may charge transaction fees (if applicable, these will be disclosed to you before you complete the payment).

You are responsible for paying any such fees or charges.

3. Availability, Disruption and Downtime

3.1 While we strive to always make the Services available to you, we do not make any promises that these will be available 100% of the time. The Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.

3.2 The Services may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.

3.3 We will try to provide you with reasonable notice, where possible, of any disruptions to your access to the Services.

4. Intellectual Property and Data

4.1 We own all intellectual property rights in the Services. This includes how the Services look and function, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on the Services.

4.2 We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

Your Data

4.3 We do not own any of Your Data, but when you enter or upload any of Your Data into the Services, you grant us the right to access, analyse, backup, copy, store, transmit, and otherwise use Your Data for the duration of your use of the Services (and for a reasonable period of time afterwards). We may use Your Data (or disclose it to third party service providers) to:

(a) supply the Services to you (for example, to process your payments and communicate with you about your payments and payment plans), and otherwise perform our obligations under these Terms;

(b) diagnose problems with the Services;

(d) send you information we think may be of interest to you based on your marketing preferences;

(e) perform analytics for the purpose of remedying bugs or issues with the Services; or

(f) perform our obligations under these Terms (as reasonably required).

4.4 You acknowledge and agree that because of the nature of the internet, the processing and transmission of Your Data by us may occur over various networks.

4.5 You are responsible for (meaning we are not liable for):

(a) the integrity of Your Data on your systems, networks or any device controlled by you; and

(b) backing up Your Data.

4.6 When you use the Services, we may create anonymised statistical data from Your Data and usage of the Services (for example, through aggregation). Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve the Services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you. This may include making such anonymised data publicly available, provided it is not compiled using a sample size small enough to make underlying portions of Your Data identifiable.

4.7 If you do not provide Your Data to us, it may impact your ability to receive the Services.

4.8 This clause 4 will survive the termination or expiry of these Terms.

5. Confidential Information and Personal Information

5.1 While using the Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a ‘need-to-know basis’ (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.

5.2 However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.

5.3 We collect, hold and disclose and use any Personal Information you provide to us in accordance with our privacy policy, available on the Site, and applicable Australian privacy laws (for Australian users) or the Privacy Act 2020 (for New Zealand users).

5.4 You must only disclose Personal Information to us if you have the right to do so (such as having the individual’s express consent).

5.5 We may need to disclose Personal Information to third parties, such as councils and our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).

5.6 Where we are required by law to report on our activities under Australian or New Zealand law (as applicable), you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.

5.7 This clause 5 will survive the termination or expiry of these Terms.

6. Consumer Law Rights

6.1 In some jurisdictions, you may have guarantees, rights or other remedies provided by law (Consumer Law Rights), and these Terms do not restrict your Consumer Law Rights. We will only be bound by your Consumer Law Rights and the express wording of these Terms.

6.2 Subject to your Consumer Law Rights, we do not provide a refund for a change of mind or change in circumstance.

6.3 If you accept these Terms in Australia, nothing in these Terms should be interpreted to exclude, restrict or modify the application of, or any rights or remedies you may have under, any part of the Australian Consumer Law (as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth)).

6.4 If you accept these Terms in New Zealand, nothing in these Terms should be interpreted to exclude, restrict or modify the application of, or any rights or remedies you may have under, the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

6.5 If you are a business in New Zealand, you agree and represent that you are acquiring the Services for the purposes of trade. The Parties agree that:

(a) to the maximum extent permitted by law, the Consumer Guarantees Act 1993 and sections 9, 12A and 13 of the Fair Trading Act 1986 do not apply to the supply of the Services or these Terms; and

(b) it is fair and reasonable that the Parties are bound by these Terms, including this clause.

6.6 This clause 6 will survive the termination or expiry of these Terms.

7. Liability

7.1 To the maximum extent permitted by law, we will not be liable for, and you release us from liability for, any Liability caused or contributed to by, arising from or in connection with:

(a) your computing environment (for example, your hardware, software, information technology and telecommunications services and systems);

(b) any use of the Services by a person or entity other than you;

(d) any fees charged by your bank, card provider or payment processor;

(e) failed payments due to insufficient funds, expired cards or closed accounts;

(f) any disruption to the Services caused by third parties (including third-party payment processors, hosting providers or telecommunications providers); or

(g) any loss or corruption of Your Data on your systems or devices.

7.2 Regardless of whatever else is stated in these Terms, to the maximum extent permitted by law:

(a) neither we or you are liable for any Consequential Loss;

(b) a party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party, including any failure by the other party to mitigate its loss;

(c) (where the Services are not ordinarily acquired for personal, domestic or household use or consumption) in respect of any failure by us to comply with relevant Consumer Law Rights, our Liability is limited (at our discretion) to supplying the Services again or paying the cost of having the Services supplied again; and

(d) our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to AU$1,000 (for Australian users) or NZ$1,100 (for New Zealand users).

7.3 This clause 7 will survive the termination or expiry of these Terms.

8. Suspension and Termination

Suspension

8.1 We may suspend your access to the Services where we reasonably believe there has been any unauthorised access to or use of the Services (such as the unauthorised sharing of login details for the Services). If we suspend your access to the Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate these Terms and your access to the Services will end.

Termination

8.2 We may terminate these Terms (meaning you will lose access to the Services) if:

(a) you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;

(b) you breach these Terms and that breach cannot be remedied;

(d) you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors’ schemes of arrangement).

8.3 You may terminate these Terms if:

(a) we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or

8.4 You may also terminate these Terms at any time by notifying us through your Account or to our email for notices (as set out in clause 9.8), and termination will take effect immediately.

8.5 Upon termination of these Terms, we will retain Your Data (including copies) as required by law or regulatory requirements.

8.6 Termination of these Terms will not affect any other rights or liabilities that we or you may have.

8.7 This clause 8 will survive the termination or expiry of these Terms.

9. General

9.1 Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

9.2 Disputes: Neither we or you may commence court proceedings relating to any dispute, controversy or claim arising from, or in connection with, these Terms (including any question regarding its existence, validity or termination) (Dispute) unless we and you first meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us or you from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction.

If the Dispute is not resolved at that initial meeting:

(a) where you are resident or incorporated in Australia, refer the matter to mediation, administered by the Australian Disputes Centre in accordance with Australian Disputes Centre Guidelines for Commercial Mediation;

(b) where you are resident or incorporated in New Zealand, refer the matter to mediation administered by AMINZ (Arbitrators' and Mediators' Institute of New Zealand) in accordance with the AMINZ Mediation Protocol and Rules, with such mediation to be conducted in Auckland, New Zealand; or

(c) where you are not resident or incorporated in Australia or New Zealand, refer the matter to arbitration administered by the Australian Centre for International Commercial Arbitration, with such arbitration to be conducted in Sydney, New South Wales, before one arbitrator, in English and in accordance with the ACICA Arbitration Rules.

9.3 Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations (including the Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.

9.4 Governing law: These Terms are governed by the laws of New South Wales (for Australian users) or the laws of New Zealand (for New Zealand users), and any matter relating to these Terms is to be determined exclusively by the courts in the relevant jurisdiction and any courts entitled to hear appeals from those courts.

9.5 Illegal Requests: We reserve the right to refuse any request for or in relation to the Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.

9.6 Marketing: You agree that we may send you electronic communications about our products and services. You may opt-out at any time by using the unsubscribe function in our electronic communications.

9.7 Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.

9.8 Notices: Any notice you send to us must be sent to hello@payble.com.au. Any notice we send to you will be sent to the email address registered against your Account.

9.9 Professional Services Disclaimer: The Services do not constitute, and are not a substitute for, financial, legal or risk management advice.

10. Definitions

10.1 In these Terms:

Account means an account accessible to the individual or entity who signed up to the Services.

Consequential Loss includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise. However, your obligation to pay us any amounts for access to or use of the Services (including the Services) will not constitute “Consequential Loss”.

Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.

Personal Information means any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a tangible form or not.

Services means the services we provide to you, as detailed at the beginning of these Terms.

Your Data means the information, materials, logos, documents, qualifications and other intellectual property or data supplied by you when receiving the Services or stored by or generated by your use of the Services, including any Personal Information collected, used, disclosed, stored or otherwise handled in connection with the Services. Your Data does not include any data or information that is generated as a result of your usage of the Services that is a back-end or internal output or an output otherwise generally not available to users of the Services.

Effective from: 2/06/2026

Privacy Policy

Payble Pty Ltd (ABN 88 644 944 927) (we, us or our) is committed to protecting your privacy. This policy explains how we collect, use and protect your personal information. when you use our services or interact with us. This policy applies to all personal information we handle in Australia and New Zealand, whether we collect it through our website, platform, in person, or through other means.

Quick Overview

• We collect information you provide to us and information we gather when you interact with our platform

• We use this information to provide our payment services and improve your experience

• We protect your information using secure systems and processes

• You have rights regarding your personal information, including access and correction rights

• We may share information with your bill providers (councils) as necessary to provide our services

Information we Collect

We may collect the following types of personal information about you:

Identity and Contact Information

• Name, address, email address and phone number

• Photographic identification (where required for verification)

Bill and Service information

• Property details and billing account information (provided by councils and other bill providers)

• Bill information (either uploaded by you or provided by your bill provider)

• Payment plan preferences (weekly/fortnightly/monthly)

Financial information

• Payment and transaction details

• Credit information

• Bank account details and payment card information (processed through our third-party payment processor)

• Billing information

Technical and Usage Information

• IP address and general location information derived from your IP address

• Browser type, device information and network information

• Search and browsing behaviour on our website or platform

• Website usage patterns and page views

• Login data, browser session and geo-location data

• Cookie preferences

• The times and manner in which you access or use our platform

• Interaction and Communication Information

• Feedback and survey responses

• Information you provide when you participate in surveys, contests, promotions or events

• Support requests and communications with us

• Your preferences in receiving marketing from us

Professional information (for job applicants and workers)

• Employment history and professional experience

• Required authorisations and licences

• Professional registrations

• Information about your right to work in the relevant jurisdiction

How we collect personal information

We collect personal information in the following ways:

Directly from you when you:

• Register for or use our services

• Contact us or fill out forms.

• Interact with us face-to-face, over the phone, over email, or online

• Apply for a job with us

• Respond to surveys or provide feedback

• Register for events or newsletters

Automatically when you:

• visit our website or use our platform

• Use our technologies or interact with our online services

From third parties, including:

• Your bill providers (such as councils)

• Our service providers (such as analytics and cookie providers, marketing providers)

• Business partners

• Public sources such as the New Zealand Companies Office, ASIC and other regulatory bodies

• Professional networking sites such as LinkedIn

• Government organisations

• Organisations or people authorised by you

Where we collect personal information about you from a third party (other than information we have specified will be collected in accordance with this Privacy Policy), we will take reasonable steps to notify you of such collection. This notification will include the fact that the information has been collected, the purpose for which it has been collected, the intended recipients of the information, and the name and address of the agency holding the information, as required by law.

Why we collect, hold, use and disclose personal information

We collect, use and disclose your personal information for the following purposes. We do not and will not sell or deal in personal or customer information.

To Provide Our Services

• To process payments to bill providers (such as councils) on your behalf

• To set up and manage payment plans

• To enable bill providers to update their records with your payment information

• To facilitate direct debit arrangements

• To provide you with a login and enable you to access and use our platform

• To assess whether to take you on as a new client, including to perform anti-money laundering, anti-terrorism, sanction screening, fraud and other background checks

• To register your attendance at our events

Communication and support

• To contact and communicate with you about our services

• To respond to your questions, support requests and enquiries

• To handle communications made through our website or platform

• To send SMS reminders before scheduled payments (where you have opted in)

• To communicate important updates about our services

• To manage your participation in surveys, feedback sessions, or events

Business Operations

• To maintain accurate records for billing and administration

• To verify your identity when required or permitted by law

• For internal record keeping and administrative purposes

• For analytics (including profiling on our platform), market research and business development

• To develop and improve our business operations and services

• To understand how our services are used

Marketing and promotions

• To send you promotional information about our services and events (where you have consented)

• To inform you about products or services that may interest you

• To manage your marketing preferences

• To run competitions, promotions, and special offers

• To provide additional benefits to our customers

Employment purposes

• To assess employment applications and evaluate candidate qualifications

• To manage professional certifications and licences

• To maintain employment records

Legal and compliance

• To comply with our legal obligations

• To respond to court orders or legal processes

• To maintain required business records

• To fulfill regulatory requirements or reporting obligations

• To protect our legal rights and interests or as authorised by law

Our disclosures of personal information to third parties

We may disclose personal information to the following third parties:

Your Bill Providers

• We share necessary information with your bill providers (such as councils) to provide you with the products or services you have requested

• Your bill providers may also share some personal information with us as their service provider

• We will only share personal information with your bill providers that is necessary to provide the service you have requested

• We will not use this information for any other purposes or share it with other bill providers who are also connected to Payble

Service providers

• IT service providers

• Data storage provider, web hosting and server providers

• Payment processors (who store credit card information - we do not have access to this information)

• Marketing and advertising providers (such as Google, LinkedIn, Facebook, Instagram or Twitter)

• Analytics providers

• Fraud prevention services

• Customer service providers

• Technology service providers

Professional advisers and Business Partners

• Bankers, auditors, insurers and insurance brokers

• Legal advisers

• Our existing or potential agents, business partners or contractors

• Sponsors or promoters of any promotions or competitions we run

Corporate transactions

If we merge with or are acquired by another company, or sell our business assets:

• Your information may be disclosed to our advisers and the potential purchaser's advisers

• Your information may be included in the transferred assets

• Anyone to whom our business or assets (or any part of them) are, or may (in good faith) be, transferred

Legal and regulatory bodies

• Courts and tribunals

• Regulatory authorities (including as required for reporting obligations)

• Law enforcement officers

• In the event you fail to pay for goods or services we have provided to you

Other parties

• Third parties you have authorised

• Emergency services when necessary

• Third parties to collect and process data, such as Google Analytics and Meta

• Any other parties as required or permitted by law, such as where we receive a subpoena

Overseas Disclosure

Storage and Access

We store your personal information in Australia using secure cloud hosting. However, your information may be accessed from or transferred to locations outside Australia and New Zealand in these circumstances:

• When our service providers are located overseas

• When we work with overseas business partners

• When using cloud-based services or data storage solutions

Our Approach to Overseas Disclosure

Before disclosing your personal information overseas, we take reasonable steps to ensure that the recipient treats your information in accordance with applicable privacy laws by:

• Only sending information that is necessary

• Requiring recipients to protect your information through contractual agreements which require the recipient to comply with the privacy standards in applicable law

• Using other mechanisms that provide comparable safeguards

• Monitoring how recipients handle your information

We will only disclose your personal information overseas in accordance with the Australian Privacy Principles and the New Zealand Privacy Principles. Some of our service providers may be overseas and may not be subject to Australian or New Zealand Privacy Laws. Please contact us if you require specific details about where your information may be disclosed.

Your Rights and Controlling Your Personal Information

Your Choice

• Please read this Privacy Policy carefully. If you provide personal information to us, you understand we will collect, hold, use and disclose your personal information in accordance with this Privacy Policy.

You do not have to provide personal information to us. However, if you don't provide certain information, we may not be able to provide some services or it may affect our ability to do business with you. Let us know if you don't want to provide information and we will let you know when information is required versus optional.

Information from Third Parties

If we receive personal information about you from a third party, we will protect it as set out in this Privacy Policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person's consent to provide the personal information to us.

Access to Your Information

You may request access to the personal information that we hold about you. We will respond to your request within a reasonable time.

We may charge a reasonable administrative fee for providing access. Please note, in some situations, we may be legally permitted to withhold access to your personal information. If we cannot provide access to your information, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal. If we can provide access to your information in another form that still meets your needs, then we will take reasonable steps to give you such access.

Correction of Your Information

• If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below.

We will take reasonable steps to correct your information promptly. Please note, in some situations, we may be legally permitted to not correct your personal information. If we cannot make the correction, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal. You can ask us to add a statement to your information noting your requested correction.

Marketing Communications and Direct Marketing

We may use your personal information from time to time to inform you about current and future products and services, including sending you electronic communications such as emails or SMS (where you have consented).

You can opt out of receiving marketing communications at any time by:

• Using the unsubscribe option in each marketing communication

• Updating your notification preferences with us

• Contacting us using the details below

We will process your request as soon as practicable.

How to Make a Complaint

• Step 1: Contact us at hello@payble.com.au

Please include:

• Your full name and contact details

• clear details about your request or complaint

• any relevant dates or reference numbers.

• Step 2: Our response

We will:

• Verify your identity before processing your request

• Investigate thoroughly (for complaints) or process your request (for rights)

• Respond to you in writing within reasonable timeframes and as required by law

• Explain what actions we will take and keep you updated on progress

• Not charge you for making a complaint

• Help you understand and exercise your rights

• Step 3: If you're not satisfied (complaints only)

If you're not satisfied with our response to your complaint, you can:

• Ask for a review by our senior management, or

Contact external bodies:

• Australian residents: Office of the Australian Information Commissioner (Phone: 1300 363 992, Website: www.oaic.gov.au)

• New Zealand residents: Office of the New Zealand Privacy Commissioner (Website: www.privacy.org.nz)

Protecting your information

We are committed to ensuring that the personal information we collect is secure. We use multiple layers of security to protect your information.

Technical safeguards

• Enterprise-grade encryption for data storage and transmission

• Secure servers with industry standard security measures

• Regular security testing and monitoring

• Automated threat detection systems

Operational security

• Staff training on security and privacy

• Strict access controls based on job requirements - only authorised staff or service providers who require access to do their job will be able to access your information

• Regular security audits and incident response procedures testing

Physical security

• Secure premises with controlled access

• Secure disposal of physical documents

• Equipment security protocols

Important Limitations

• While we are committed to security, we cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk.

Public information

Please note that any information you choose to share publicly on online platforms (such as comments or reviews) can be accessed and used by others. We cannot control or protect information that you make publicly available.

How long we keep your information

We keep your personal information only as long as we need it for the purposes we collected it, or as required by law. When we no longer need it, we securely destroy or de-identify it.

Cookies and Analytics

What We Use

We use cookies, tracking pixels, and similar technologies on our website and in our emails to improve your experience and our services.

Cookies

• Small text files stored on your device

• Help remember your preferences

• Enable certain website functions

• Make your interactions with our website more efficient

• Customise our content for you

Tracking Pixels

• Tiny, invisible images in web pages and emails

• Help us understand how you interact with our content

• Allow us to measure email engagement

• Enable more relevant content delivery

How we use these technologies

Essential Functions

• Remember your login status

• Maintain your session security

• Store your preferences

• Enable core website features

Analytics and Performance

• Understand how our website and platform are used

• Measure page views and traffic

• Analyse user navigation patterns

• Identify areas for improvement

• Standard web log data (e.g. the type of browser you use)

Personalisation

• Remember your preferences

• Tailor content to your interests

• Improve your browsing experience

• Provide relevant recommendations

Advertising

• Deliver relevant ads through third party services

• Measure advertising effectiveness

• These ads may appear on our website or other websites you visit

Your control

You can manage these technologies by:

• Adjusting your browser settings to block or delete cookies

• Using privacy-focused browser extensions

• Configuring your email client to block images

• Using our cookie preference settings (if available)

Note: Blocking all cookies may affect website and platform functionality and your user experience. If you use your browser settings to block all cookies (including essential cookies), you may not be able to access all or parts of our website or platform.

Google Analytics

We use Google Analytics to understand how people use our website and platform. We have enabled Google Analytics Advertising Features. We and third-party vendors may use first-party cookies (such as the Google Analytics cookie) or other first-party identifiers, and third-party cookies (such as Google advertising cookies) or other third-party identifiers together.

This involves cookies that collect information about your browsing activity. To find out how Google uses data when you use third party websites or applications, please see www.google.com/policies/privacy/partners/ or any other URL Google may use from time to time.

You can opt out of Google Analytics Advertising Features by:

• Using a Google Analytics Opt-out Browser add-on (available at tools.google.com/dlpage/gaoptout)

• Adjusting your Google account settings

• Using your device's privacy settings

• Visiting Google's Ads Preferences Manager

To opt out of interest-based ads on mobile devices:

• Android: Open the Google Settings app on your device and select "ads" to control the settings

• iOS: Use Apple's advertising identifier settings (visit the settings menu on your device)

Meta advertising tools

We may use Meta's advertising tools (such as Meta Pixel) to understand how our ads perform and to show you more relevant advertisements on Meta platforms like Facebook and Instagram when you visit our website or app. You can manage whether we connect information from our website with your Meta account for advertising purposes by adjusting your settings within your Meta account preferences.

• Links to Other Websites

• Our website and platform may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship, endorsement or approval of these websites.

Please be aware that we are not responsible for the privacy practices of such other websites. We encourage you to read the privacy statements of each website that collects personally identifiable information. This Privacy Policy applies solely to information collected by our website and platform.

Amendments

We may update this policy at any time by posting the revised version on our website. We recommend that you check our website regularly to ensure you are aware of our current Privacy Policy.

Effective from: 2/06/2026

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Payble © Payble Pty Ltd (ABN 88 644 944 927). The content on the platform is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. It is subject to change without prior notice. “Payble” is a registered trademark of Payble Pty Ltd.