Privacy Policy
Effective Date: 4 September 2026 · Reviewed Annually
About This Policy
Sendwise Pty Ltd (ABN 54 698 935 741) ("Sendwise", "we", "us", or "our") respects the confidentiality of your information and is committed to protecting your privacy. This Privacy Policy explains how we collect, hold, use, and disclose your personal information when you use our remittance services, visit our website, or interact with us. It applies to all customers, website visitors, and individuals whose personal information we handle.
We are bound by the Privacy Act 1988 (Cth) and comply with the Australian Privacy Principles (APPs). By using our services or providing us with your personal information, you agree to the collection, use, and disclosure of that information as described in this Policy.
Who We Are
| Aspect | Details |
|---|---|
| Company Name | Sendwise Pty Ltd |
| ABN | 54 698 935 741 |
| ACN | 698 935 741 |
| AUSTRAC Registration | 282360556 |
| Registered Address | 33 Albavale Road, Piara Waters, WA 6112, Australia |
| Contact Email | hbaig@sendwise.com.au |
| Contact Phone | +61 407 155 886 |
For privacy-related enquiries, please contact our Privacy Officer at hbaig@sendwise.com.au.
What Personal Information We Collect
We collect personal information to provide our remittance services and to comply with our legal obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act) and other applicable laws. The types of personal information we collect include:
| Information Type | Examples |
|---|---|
| Identity Information | Full name, date of birth, gender, nationality, residential address, email address, phone number. |
| Identification Documents | Passport, driver's licence, government-issued ID, visa details. |
| Financial Information | Bank account details, source of funds, purpose of remittance, transaction history. |
| Beneficiary Information | Recipient's full name, address, bank account details, relationship to sender. |
| Technical Information | IP address, device information, browser type, cookies, website usage data. |
Sensitive Information: Where required by law, we may collect sensitive information such as biometric data (e.g., facial images for identity verification) or criminal record information (e.g., for police checks). We do not collect personal information that is not reasonably necessary for our functions or activities.
How We Collect Personal Information
| Collection Method | Description |
|---|---|
| Directly from You | When you sign up for an account, upload identification documents, complete a transaction, or contact us. |
| Through Our Website | When you visit our website or use our online portal, we may collect technical data and usage information. |
| Through Our Service Providers | We may receive personal information from third-party service providers (e.g., Shufti for identity verification, Monoova for payment processing). |
| From Public Sources | Where permitted by law, we may collect information from publicly available sources to verify your identity or comply with sanctions screening requirements. |
| From Other Users | When a sender provides beneficiary details for a remittance, we collect information about the recipient. |
Why We Collect and Use Your Personal Information
| Purpose | Description |
|---|---|
| To Provide Remittance Services | To process your money transfers, verify beneficiary details, and complete transactions. |
| To Comply with Regulatory Obligations | To meet our obligations under the AML/CTF Act, including identity verification (KYC), sanctions screening, transaction monitoring, and reporting to AUSTRAC. |
| To Manage Your Account | To set up and maintain your account, communicate with you, and provide customer support. |
| To Improve Our Services | To monitor, develop, and improve the quality of our services and customer experience. |
| For Security and Fraud Prevention | To detect, investigate, and prevent fraudulent or suspicious activities. |
| For Direct Marketing | Subject to your consent and your right to opt out, we may use your information to send you promotional materials about our services. |
How We Hold and Protect Your Personal Information
| Security Measure | Description |
|---|---|
| Storage | Your personal information is securely stored on our systems and servers located in Australia. |
| Access Controls | Access to personal information is restricted to authorised personnel on a need-to-know basis. |
| Encryption | We use industry-standard encryption (SSL/TLS) to protect data transmitted through our website. |
| Security Policies | We have implemented physical, electronic, and procedural safeguards to protect your information from unauthorised access, misuse, loss, or disclosure. |
| Third-Party Security | We require our third-party service providers to implement appropriate security measures and comply with applicable privacy laws. |
Who We Disclose Your Personal Information To
| Recipient | Purpose |
|---|---|
| AUSTRAC | To comply with mandatory reporting obligations under the AML/CTF Act, including Threshold Transaction Reports (TTRs), International Funds Transfer Instructions (IFTIs), and Suspicious Matter Reports (SMRs). |
| Government Agencies | Where required by law or to comply with a lawful request from a government body, regulator, or law enforcement agency. |
| Third-Party Service Providers | To facilitate identity verification, payment processing, document verification, sanctions screening, and other services. |
| Correspondent Banks and Payout Partners | To complete international money transfers, including sharing beneficiary information with correspondent banks and our payout partner in Pakistan. |
| Professional Advisors | To obtain legal, accounting, or other professional advice where necessary. |
We do not sell or rent your personal information to third parties for marketing purposes.
Overseas Disclosure of Personal Information
As a remittance service provider, we may disclose your personal information to overseas recipients to complete international money transfers. This is a necessary part of our service.
When we disclose personal information overseas, we take reasonable steps to ensure that the recipient does not breach the Australian Privacy Principles in relation to that information. We do this through contractual arrangements and due diligence. However, the overseas recipient may not be subject to the same privacy obligations as Australian entities.
By using our services, you consent to the disclosure of your personal information to overseas recipients for the purposes described in this Policy.
How You Can Access and Correct Your Personal Information
Accessing Your Information
You have the right to request access to the personal information we hold about you. Contact us at hbaig@sendwise.com.au with your request. We may require you to verify your identity before providing access. We may charge a reasonable fee for providing access, but we will notify you of any charges before proceeding.
Correcting Your Information
You have the right to request correction of personal information that is inaccurate, out of date, incomplete, irrelevant, or misleading. Contact us at hbaig@sendwise.com.au with details of the information to be corrected. We will respond to access and correction requests within 30 days.
How You Can Make a Privacy Complaint
If you believe we have breached the Privacy Act, the Australian Privacy Principles, or this Privacy Policy:
- Contact us at hbaig@sendwise.com.au with details of your complaint.
- We will acknowledge your complaint within 5 business days and investigate it promptly.
- We will provide a written response within 30 days, outlining our findings and any actions we will take.
- If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
OAIC Contact Details
- Website: https://www.oaic.gov.au
- Phone: 1300 363 992
- Email: enquiries@oaic.gov.au
Automated Decision-Making
From 10 December 2026, where we use substantially automated systems to make decisions that could significantly affect your rights or interests, we will disclose this as required by the Privacy and Other Legislation Amendment Act 2024 (Cth).
Our Current Practice: We use automated systems for identity verification, sanctions screening, and transaction monitoring. These systems assist in decision-making but are subject to manual review by our Compliance Officer where required. If you believe an automated decision has significantly affected you, you may request human review by contacting us at hbaig@sendwise.com.au.
Cookies and Website Data
Our website may use cookies and similar technologies to enhance your experience, analyse usage, and improve our services. You can adjust your browser settings to refuse cookies, but this may limit your ability to use certain features of our website.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal obligations. We will post the updated version on our website with a new effective date. For significant changes, we may provide additional notice by email. We encourage you to review this Policy periodically to stay informed about how we protect your privacy.