Privacy Policy

Change Financial Limited

ABN 34 150 762 351 

Our website address is: https://changefinancial.com 

Last updated May 2026 

Who we are

Change Financial Limited (ABN 34 150 762 351) is a group consisting of Change Financial Payment Services Pty Ltd, Change Financial Services Pty Ltd and Change Labs NZ Pty Ltd (Change Financial or “we”, “us” or “our”).

This Privacy Policy explains how Change Financial collects, stores, uses and shares your personal information when providing our products and services and when you visit our website at https://changefinancial.com.

Personal information is information about an identifiable individual and includes information that could reasonably be used to identify you, such as your name and contact details.

By using our products or services or visiting our website, you consent to the collection, storage, use and disclosure of your personal information in accordance with this Privacy Policy.

What personal information we collect

The type of information we collect may include:

• Identification documents and identification information (ID)
• Name
• Date of birth
• Email address
• Residential or mailing address
• Phone number
• IP address and device/browser information
• Transaction or service-related information
• Information required for AML/CTF and customer identification purposes

How we collect your information

When you contact us: We may collect information directly from you when you contact us. If you contact us via our website or subscribe to our updates, you may be asked to provide your name, email address and / or phone number. You may, however, visit our site anonymously.

When you provide the data to us: We collect information when you complete an application form or request for our products or services.

From third parties: We may collect your personal information from a range of third parties, including organisations that provide products or services jointly with us, identity verification providers, financial institutions and government agencies where permitted by law. The type of personal information collected will depend on the product or service you require and may include your name, date of birth, address, email address and phone number.

Where required for customer identification purposes, Change Financial may use and disclose your personal information to authorised third parties and official record holders through identity verification services, including the Australian IDMatch, to verify your identity in accordance with applicable laws, including AML/CTF obligations.

Interaction with our website: We may also collect information about your interaction with our website using cookies or other similar technologies. Information collected may include, but is not limited to, your IP address, browser type, browser version, domain name and access time.

What do we use your information for

We collect your personal information for a range of purposes including for the provision of products and services and to conduct and develop our business.

Any of the information we collect from you may be used in one of the following ways:

• To establish and verify your identity
• To provide our products and services
• To assist you with your inquiries
• To comply with laws, regulations, scheme requirements and external payment systems
• To meet security purposes
• To carry out investigations
• To prevent fraud and criminal activities
• To personalise your experience (your information helps us to better respond to your individual needs)
• To improve our website
• To improve customer service
• To notify you that the system is available for use
• To contact you. We may contact you by various means, including email, mail, telephone and SMS/text message. For example, we may send you periodic emails including occasional company news, updates, promotions, related product or service information, etc.

How do we store and protect your information

Personal information is generally stored in secure data storage facilities located in New Zealand or Australia. Personal information will only be retained for as long as reasonably necessary to meet legal, regulatory and operational requirements.

Change Financial uses a range of electronic and physical data security measures to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.

These security measures include:

• password protected directories and databases to safeguard your information and prevent unauthorised access;  
• SSL (Secure Sockets Layer) technology to ensure that your information is fully encrypted and sent across the internet securely and in a PCI compliant manner;  
• procedures and technologies to actively protect our servers from hackers and other vulnerabilities;
• mandatory information security training for all employees; and
• employees are required to keep information secure by adhering to information security policies and procedures.

If you submit a query through our website, your comments and submissions may be checked through an automated spam detection service.

How do we use cookies

A cookie is a small piece of data sent by a website to the browser on your device to help us collect and store information about your use of a particular website. We use cookies and similar technologies on our website for these purposes:

• Personalisation – to understand and save your preferences for future visits.
• Measurement and analysis – to measure website traffic and website interaction so that we can offer better experience and tools in the future.

Information we collect includes but is not limited to your IP address, browser version, domain name and access time.

We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected except on our behalf and to help us conduct and improve our business.

Do we use content from other websites

Articles on our website may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your information with

We may share your personal information with governmental and law enforcement agencies and third-party service providers.

We will share or disclose information to third parties about the cards, or transactions made with the cards, whenever allowed by law or when necessary:

• for processing and completing a transaction;
• to authenticate the existence and condition of a card;
• to utilise services of affiliates who assist in providing a card;
• if there are legal proceedings or a complaint relating to the card;
• to protect against potential fraudulent and / or criminal activities; or
• if you give us permission.

We will also share your personal information to other financial institutions or governmental and law enforcement agencies in the country where we conduct our business or overseas:

• To comply with the law.
• To help us decide how to comply with the law.
• If we believe the information will help prevent fraud, money laundering, or other crimes.

You agree to give us any information we ask for if we believe we need it to comply with the law of the country where we operate.

We may not be allowed to tell you if we give out information about you.

Overseas disclosure

Some third party service providers or systems used by Change Financial may be located overseas. Where personal information is disclosed overseas, Change Financial will take reasonable steps to ensure the information is handled in accordance with applicable privacy laws.

Your rights

We will do our best to ensure your personal information is accurate. You have the right to ask for a copy of personal information we hold about you (including your name, address, telephone, mobile and email address). You can request for your personal information to be corrected if you think it is wrong.

You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

In some circumstances, we do not have to give you access to or correct your personal information. If that is the case, we will explain why and provide information about how you can complain should you wish to do so.

What to do if you have concerns or complaints

If you have questions, concerns or complaints regarding how Change Financial handles your personal information, please contact us through the Change Financial website contact page: https://changefinancial.com/contact/

Changes to this Privacy Policy

Change Financial may make changes to this Privacy Policy from time to time. We encourage you to periodically review our Privacy Policy on our website for the latest information on our privacy practices.