This policy sets out how Topups ABN [XX XXX XXX XXX] (Australian Credit Licence No. XXXXXX) and our related businesses (we/us/our) collect, use and disclose the personal information (including credit-related information) we hold about you.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
We are committed to protecting your personal information by abiding by the Australian Privacy Principles (APPs), the Privacy Act 1988 (Cth) (Privacy Act), the Privacy (Credit Reporting) Code 2014 (Credit Reporting Code) and any other relevant law.
When we refer to personal information, we mean information from which your identity is reasonably apparent, which may include information or an opinion that relates to you. The personal information we hold that relates to you may also include credit-related information.
Credit-related information means:
We use your credit-related information to assess your eligibility to be provided with finance. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we need to identify you.
We collect personal information for the purposes of assessing your application for finance and managing that finance, establishing your identity, contacting you, managing our risk, and to comply with our legal obligations. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.
Where reasonable and practical, we will collect your personal information directly from you. We may collect information about you that is publicly available, such as from public registers or social media, or made available by third parties. We may also collect your personal information from credit reporting bodies, mortgage and finance brokers, employers, and other people such as accountants and lawyers.
We may disclose your personal information:
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or you have consented to us making the disclosure.
We exchange credit-related information for the purposes of assessing your application for finance and managing that finance. The information we may exchange with credit reporting bodies includes your identification details, loan types, amounts borrowed, payment obligations, and any credit infringements.
You may contact the following credit reporting bodies for more information:
We may use your personal information from time to time to provide you with current information about finance, offers you may find of interest, or new products or services. You may at any time opt out of receiving marketing information by contacting us at hello@topups.com.au or calling 1300 804 318. We will not charge you for giving effect to your request.
The personal and credit-related information we hold about you may be stored in electronic form on secure servers, which may be located outside Australia. We may disclose your information to entities located overseas that provide support functions to us. While we attempt to select reputable offshore service providers, overseas entities may not be subject to privacy laws similar to those in Australia.
It is important to us that the personal information we hold about you is accurate and up-to-date. During the course of our relationship with you, we may ask you to inform us if any of your personal information has changed. If you wish to make any changes to your personal information, you may contact us.
We will provide you with access to the personal and credit-related information we hold about you. You may request access to any of the personal and credit-related information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.
We will usually respond within seven days of receiving your request. If any of the information we hold about you is incorrect, inaccurate or out-of-date, you may request that we correct the information by contacting us at hello@topups.com.au or calling 1300 804 318.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We will take a range of measures and reasonable steps to protect your personal information. Your personal information will always be stored in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are not satisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact us at hello@topups.com.au or by calling 1300 804 318. We will acknowledge your complaint within seven days and aim to resolve the complaint as quickly as possible.
We may change this policy from time to time or as the need arises. We will publish any changes to this policy on our website. This policy was last updated on 22 December 2025.
You may request further information about the way we manage your personal or credit-related information by contacting us at hello@topups.com.au or calling 1300 804 318.