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Privacy Notice

1. INTRODUCTION
This Privacy Notice describes how World Prime Pty Ltd (ACN 681 841 083), trading as ”Worldprime” (“World Prime”, “we”, “us”, “our”), collects, holds, uses and discloses personal information in connection with the provision of its payment facilitation and remittance services (the “Services”). This Privacy Notice is issued in accordance with the Privacy Act 1988 (Cth) (the Privacy Act) and the Australian Privacy Principles (APPs). This Privacy Notice applies to individuals who interact with World Prime, including users who submit payments for remittance through merchant websites using the Services.

2. CONTACT DETAILS
[email protected]

3. APPLICATION OF THIS NOTICE
This Privacy Notice applies when we collect personal information in connection with:

  • receiving, processing and remitting payments to approved merchants;
  • maintaining transaction records and providing transaction overviews through a World Prime Profile;
  • verifying identity and conducting fraud, sanctions and AML/CTF checks;
  • complying with applicable laws and regulatory obligations; and
  • responding to enquiries, complaints or disputes.

This Notice should be read together with any applicable merchant privacy policy. World Prime acts as a payment intermediary and does not control how merchants independently handle personal information.

4. PERSONAL INFORMATION WE COLLECT
(APP 3 & APP 5)

The types of personal information we may collect include:

  • Identity and verification information
    • full name, date of birth, residential address;
    • nationality and residency status;
    • identity document details and copies (where required by law).
  • Contact information
    • email address;
    • telephone number.
  • Transaction and payment information
    • payment method details (as applicable);
    • transaction amount, date and time;
    • merchant name and transaction reference;
    • transaction status and identifiers.
  • Compliance, fraud and risk information
    • identity verification outcomes;
    • sanctions, politically exposed person (PEP) and adverse media screening results;
    • fraud indicators and risk assessments.
  • Technical and usage information
    • IP address, device identifiers and browser details;
    • log data, timestamps and usage activity;
    • cookies and analytics data.
  • Communications
    • correspondence with us, including enquiries and complaints.

We generally do not collect sensitive information (as defined in the Privacy Act) unless required or authorised by law or with your consent.

5. HOW WE COLLECT PERSONAL INFORMATION
(APP 3)
We may collect personal information:

  • directly from you, including when you submit a payment, access a World Prime Profile, complete verification steps or contact us;
  • from merchants with whom you transact, where necessary to process payments and maintain records;
  • from third-party service providers, including identity verification, fraud prevention, payment and banking partners;
  • from public or official sources, such as sanctions lists and regulatory databases, where permitted by law.

If required personal information is not provided, we may be unable to process your payment or provide the Services.

6. PURPOSES OF COLLECTION, USE AND DISCLOSURE
(APP 6)
We collect, use and disclose personal information for the following purposes:

  • to provide, operate and administer the Services, including receiving funds and remitting payments to merchants;
  • to verify identity and conduct customer due diligence, where required;
  • to comply with legal and regulatory obligations, including obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
  • to detect, prevent and investigate fraud and financial crime;
  • to manage operational and security risks;
  • to communicate with you, provide customer support and manage complaints;
  • to maintain records, conduct analytics and improve our services; and
  • to establish, exercise or defend legal rights.

We take reasonable steps to ensure you are notified of the matters required under APP 5 at or before the time of collection.

7. DISCLOSURE OF PERSONAL INFORMATION
(APP 6)
We may disclose personal information to:

  • approved merchants, to facilitate and reconcile payment remittance and handle enquiries or disputes;
  • payment system participants and banks, including PayID/NPP participants and other clearing and settlement providers;
  • identity verification, screening and fraud prevention providers;
  • technology and infrastructure providers, including hosting, security and customer support providers;
  • professional advisers, such as legal, accounting and audit advisers; and
  • government agencies, regulators and law enforcement, where required or authorised by law.

We do not sell personal information.

8. OVERSEAS DISCLOSURES
(APP 8)
Some service providers engaged by us may store or process personal information outside Australia (for example, cloud hosting or security services). Where personal information is disclosed overseas, we take reasonable steps to ensure the recipient handles the information in a manner consistent with the APPs, unless an exception under the Privacy Act applies.

9. DIRECT MARKETING
(APP 7)
We may send direct marketing communications where permitted by law. You may opt out at any time by using the unsubscribe mechanism provided or contacting us. We do not use sensitive information for direct marketing without consent where required.

10. DATA SECURITY AND RETENTION
(APP 11)
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
We retain personal information for as long as necessary to fulfil the purposes outlined in this Notice and to meet legal, regulatory and record-keeping obligations. When information is no longer required, we take reasonable steps to securely destroy or de-identify it.

11. ACCESS AND CORRECTION
(APP 12 & APP 13)
You may request access to, or correction of, personal information we hold about you. Requests will be handled within a reasonable time and may require identity verification. Access or correction may be refused in circumstances permitted by law.

12. COMPLAINTS
(APP 1)
If you have a complaint or concern about how we handle personal information, please contact our Privacy Officer using the details above.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

13. CHANGES TO THIS PRIVACY NOTICE
We may amend this Privacy Notice from time to time. The current version will be published on our website and will take effect from the stated effective date.