Privacy Policy

Change Financial Limited

ABN 34 150 762 351 

Our website address is: 

Who we are

Change Financial Limited is a group consisting of Change Financial Payments Services Pty Ltd, Change Financial Services Pty Ltd, Change Labs NZ Pty Ltd and Change Financial LLC (“Change” or “we”, “us” or “our”).  

At Change, we are committed to protecting your privacy. Our Privacy Policy governs your use of our products and services and your visit to our website. In this Privacy Policy we explain how Change collects, stores, uses and shares your personal information. Personal information is information about an identifiable individual. It includes information that could be used to identify you, such as your name and contact details.  

By using any of our products and services and visiting our website, you consent to the collecting, storing, utilising and sharing of your personal information in accordance with this Privacy Policy. 

How we collect your information

When you contact us: We collect information from you when you contact us directly. If you contact us via the website or subscribe to our updates, you may be asked to enter 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 a form or application for our products or services. 

From third parties: We may collect your personal information from a range of third parties, including other organisations who provide products or services to you with us jointly. The type of personal information we collect will depend on the product or service you need and may include your name, date of birth, address, email address and phone number. 

Interaction with our website: We also collect information of your visit to our website using cookies or other similar technologies. Information we collect includes but is not limited to your IP address, 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 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

      If we collect personal information about you, we will store it in secure data storage facilities usually located in New Zealand or Australia. We use a variety of electronic and physical data security measures to maintain the safety of your personal information.  

      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 visit.  
      • 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.  

      What rights you have over your information

      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. 


      If you have any concerns or complaint regarding this Privacy Policy, please let us know and we will do our best to resolve it. Any questions or concerns relating to the collection, sharing and storage of your personal information should be directed to us through our website Change Financial contact us page.

      If you are unhappy with our response, you may wish to contact: 

      New Zealand

      Financial Dispute Resolution Service (FDRS)  


      Email: [email protected]   

      Telephone: 0508 337 337 (free call) 

      Mail: Freepost 231075, PO Box 2272, Wellington 6140   


      Australian Financial Complaints Authority (AFCA) 


      Email: [email protected] 

      Telephone: 1800 931 678 

      Mail: GPO Box 3, Melbourne, VIC, 3001 

      If you have raised a complaint with us and you are not satisfied with our response or have concerns about how we manage your personal information, you can complain to:

      New Zealand

      Office of the Privacy Commissioner (OPS)  



      Office of the Australian Information Commissioner (OAIC) 


      Changes to this Privacy Policy

      Change 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.