"Cash Converters" means Cash Converters International Limited and all its subsidiaries and controlled entities and any entity trading under the Cash Converters brand in Australia, or any one of these depending on the context. Any reference to “us” or “we” is a reference to Cash Converters.
This privacy policy sets out how we comply with our obligations under the Privacy Act 1988 (Cth) (Privacy Act), Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2025 In this privacy policy, 'personal information' and ‘information’ are used interchangeably and have the same meaning as defined by section 6 of the Privacy Act.
Cash Converters collects personal information to provide you with the products and services you request as well as information on other products and services offered by or through us.
We are committed to safeguarding your personal information in accordance with the APPs contained in the Privacy Act (which can be found at: http://www.oaic.gov.au/privacy/) and any applicable industry privacy code.
Cash Converters recognises the importance of the personal information we hold about individuals and the trust placed in us. We understand how important it is for you to know how we deal with your personal information. This Privacy Policy is intended to provide a general overview of our policies in respect of handling of your personal information. This Privacy Policy also sets out the rights that individuals have to access their personal information held by us and to seek a correction.
We hope that you will better understand how we keep personal information private and secure while using it to provide better products and services. ‘Personal information’, for the purposes of this Privacy Policy is information about, and which identifies, individuals, whether that information is obtained from the relevant individual or from a third party.
Within this policy statement “you” and “your” means a Cash Converters customer or shareholder.
Any information you provide Cash Converters, either using the internet or by any other means, is only collected for purposes which are reasonably necessary for, or directly related to, one or more of Cash Converters business functions or activities. These purposes include:
to gather and aggregate information for statistical, prudential, actuarial and research purposes;
We may also share de-identified information for research or promotional purposes.
In addition, as required by Part IIIA of the Privacy Act, we may obtain your consent to collect, use and disclose information about you.
You are not required to provide us with the information that we request, or to allow us to collect information from third parties. However, if you choose not to provide information which we require for the above purposes, we may be unable to provide you with the goods and services you request from us.
Personal information collected by Cash Converters (or on our behalf) generally comprises name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.
If you are applying for credit, we may also collect the number and ages of your dependants, the length of time at your current address, your employer’s name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment.
Where we receive unsolicited personal information about you, we will consider if we could have collected the information if we had solicited the information. Where we determine that we could have collected the personal information from you, we will treat your personal information in the same manner as if we have solicited the information directly from you. Where practical and reasonable we will obtain your explicit consent before collecting sensitive information. Where we determine that we could not have collected the personal information, we will destroy the information or ensure that the information is deidentified as soon as practicable.
Cash Converters will not give your information to Government agencies, private sector organisations or anyone else unless one of the following applies:
Depending on the product or service Cash Converters has provided you with, we may disclose information to:
Cash Converters is required by law to conduct identity verification and credit checks under legislation such as the AML/CTF (identity verification) and the NCCP (identity verification and credit checks).
Information you give us when you fill out an application online or in-store, including your name, date of birth, residential address and other personal or sensitive information may be used to verify your details and to conduct a Politically Exposed Person or identity verification check with a credit reporting body, including via e-verification.
At the time of your application, we will specifically seek your consent for these verifications and checks to be conducted. If there is a partial or no match, you will have an opportunity to submit further documentation in support of your application to enable us to conduct further checks and properly verify your identity.
Where you provide your identity document details for the purpose of online data verification, our third-party service provider will use your details to confirm the authenticity of identification documents using the Attorney-General’s Document Verification Service (DVS). Your information will be subject to an information match request in relation to relevant official record holder information and a corresponding information match result will be provided via the use of third-party systems. You do not have to agree to verify your identity documents through the DVS. However, if you do not provide the personal information, we may not be able to provide you with goods and services you request from us.
Cash Converters cannot view or edit any personal information transmitted through DVS hub. We do store audit information such as your match ID outcome that helps to make sure the services are being used properly. This information is kept for the minimum amount of time needed for auditing purposes.
DVS Hub itself does not retain any personal information either, and the Attorney-General’s Department cannot view or edit any of the personal information transmitted through the DVS Hub through the third-party provider. The Attorney-General’s Department is authorised to operate the DVS Hub for the purpose of verifying individual’s identities.
For more information on how the Attorney-General’s Department may handle your personal information, see the Attorney-General’s Department’s ‘Privacy Statement – Identity Verification Services’ at: https://www.idmatch.gov.au/resources/identity-verification-services-privacy-statement
Where you have given, us consent and provided your login and account information, we may also access and collect your financial records from your financial institutions on your behalf via an online portal. This service is provided to remove the need for you to provide the physical financial statements we need to assess applications and comply with our obligations under the NCCP.
Please note that if you fail to meet a payment obligation in relation to credit, we have provided to you or commit a serious credit infringement, we may disclose this to a credit reporting body.
If you apply for credit with us, we may request credit reports from credit reporting bodies. Credit reports are designed to assist credit providers to accurately assess an individual’s ability to repay credit.
Under law, Cash Converters is not required to get your consent to disclose your information to the reporting bodies.
When requesting a report, we will tell the credit reporting body that you have made an application and the type and amount of credit you are applying for – this information is referred to as an information request. Our information request will appear on your credit report and may be used by the credit reporting bodies to assess your credit worthiness when calculating a credit score or rating, including when you make subsequent applications for credit. Information requests on your credit report can affect your credit score or credit rating depending on the amount and type of credit you are applying for, frequency of information requests appearing on your credit report and your credit history (and subject to any other use or disclosure limitations under the Privacy Act, the Privacy Regulations or Credit Reporting Code). We can also ask credit reporting bodies to give us your overall credit score and may use credit information from credit reporting bodies together with other information to arrive at our own assessment of your ability to manage credit.
We may disclose information to the following credit reporting bodies:
Equifax Pty Ltd., a wholly owned subsidiary of Equifax Inc.
Equifax's Privacy Policy: http://www.equifax.com.au/privacy
Address: Equifax - Public Access,
Equifax Australia Information Services and Solutions Pty Limited,
PO Box 964,
NORTH SYDNEY, NSW 2059
illion Australia Pty Ltd (Formerly Dun & Bradstreet (Australia) Pty Ltd)
illion’s Privacy Policy: https://www.illion.com.au/privacy-policy/
Postal Address: PO Box 7405
St Kilda Rd Melbourne VIC 3004
Email: chc-au@illion.com.au
Phone: 1300 734 806
Experian Asia Pacific Pty Ltd
Experian’s Privacy Policy: http://www.experian.com.au/privacy-policy
Address: Level 20, 101 Miller Street
North Sydney, NSW 2060
Email: creditreport@au.experian.com
Phone: 1300 783 684
You can request a free copy of your credit report and check your credit score through a credit reporting body. You're entitled to one free report:
Credit reporting bodies may hold different information about you, so you may need to request a copy of your credit report from each credit reporting body.
Victim of Fraud
You also have the right to request credit reporting bodies not to use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, you suspect someone is using your identity details to apply for credit). You must contact the credit reporting bodies directly should this be the case. If you make such a request, a credit reporting body will place a 21 day ban period on your consumer credit report. You can request an extension to this period if you believe you are still, or still likely to be, a victim of fraud.
Direct Marketing
All credit providers can ask credit reporting bodies to use the information they hold about you for pre-screening assessments. If you don’t want credit reporting bodies to use your information this way, you can ask them not to by contacting them directly.
If you visit the Cash Converters website to read, browse or download information, our systems and other third-party services like Google may record the following information which is provided by your browser:
Website data is kept strictly confidential. We use this information to help analyse how you use our websites. It is used for internal research purposes or may be required for certain website functions to work. It helps us monitor which sections of the site are most popular to give us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site so that we can customise the website information and presentation.
When you use one of our websites, we may send you a “cookie” that gives you a unique identification number. A “cookie” is a packet of information that allows the server (the computer that houses the website) to identify and interact more effectively with your computer. A different identification number is sent each time you use one of our websites. These cookies may be Session cookies which only last until you close your browser, or they may be Persistent cookies which are stored longer term on your browser. Most cookies do not identify individual users, although they may identify a user’s browser type, your Internet Service Provider (ISP), your IP address and your IP geolocation. Some cookies may be able to associate your browser information with a contact record in our first party platforms as part of our contact management and marketing activities. Cookies are used to generate statistical reports and other information about website use as well as inform marketing activities. Our systems and third parties will store this information to make your online experience easier.
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. Please refer to your browser instructions or help screens to learn more about these functions. If you reject all cookies, you may not be able to use our websites or certain website functions may not work properly or at all. If you do not want your website visit data reported by Google Analytics specifically, you can install the Google Analytics opt-out browser add-on. For more details on installing and uninstalling the add-on, please visit the Google Analytics opt-out page at https://tools.google.com/dlpage/gaoptout
If you decide to complete an online form, we will track, collect and store the information that you enter into the online form, the IP address of your computer and where possible associate the information with a contact record, including email and visit history in our first party platforms as part of our contact management and marketing activities. Our first party platform will not capture sensitive or hidden fields (e.g., credit card numbers) for privacy and security reasons. If you cancel the form prior to submission, any information entered on the current screen which has not yet been submitted, will be automatically deleted. Information you have already submitted to us prior to you cancelling your form may be used to contact you to respond to your query or in the future, provide you with updates we think might interest you if you have provided consent.
Our websites may contain links to non-Cash Converters websites. While such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not be the same as ours and we encourage you to read and understand the privacy policies on these websites prior to providing any information to them.
We use several advertising companies and third-party platforms to devise and deliver our marketing activity. This can involve advertisements on third party websites. In addition, we also use our first party data to communicate and advertise to our customers, which could include personalised targeted offers. We may use data collected to contextualise and personalise the ads to you on any one of these platforms.
When you see one of our advertisements on our website or a third-party website, cookies and in some cases, tags are sometimes used to collect information such as:
When you visit our websites directly or after seeing one of our advertisements on a third-party website or platform, anonymous information is collected on how you use our website. This might include which pages you view, and whether you start or complete an online application. The tracking companies aggregate all the captured information and use it to study internet user behaviour patterns.
Our third-party providers do not include personal information in their studies and use the data mainly to measure advertising effectiveness and relative consumer interest in the various areas of our websites. No personal information is collected during this process. If, however, any information is automatically collected, the tracking companies are required under their arrangements with us to maintain the privacy and confidentiality of that personal information.
We may disclose the information collected, in an aggregated form only, to third parties including advertisers or potential advertisers. In some instances, personal information may be encrypted and shared with third party platforms for matching purposes only, to enable targeted or personalised advertising.
For first party platforms, where possible we may associate the information with a contact record, including email and visit history as part of our contact management and marketing activities.
We may use your personal information, including your contact details, to provide you with information about products and services which we consider may be of interest to you.
We will preserve the content of any communication that you send us if we are legally required to do so. Where appropriate, we may record your personal information against the relevant company name on our confidential customer database.
We will take reasonable steps to destroy or de-identify your personal information if we no longer need it for the purpose of which it was collected, unless required by law.
If you request that we destroy or de-identify any personal information that we hold, we may refuse your request if it is required by law for us to retain the information for a certain period of time. If this occurs, we will write to you to explain our reasons.
We will take reasonable care to prevent unauthorised access, modification, disclosure, interference, misuse and loss of your personal information, and to protect the security of your personal information when transmitted over the internet. The internet is not always a secure environment. If you use the Internet to send us any information, it is sent at your own risk.
Cash Converters may use third party platforms to deliver information. These are sites hosted and managed by organisations other than Cash Converters. These third-party providers store the data securely using systems and processes which are equivalent to those required under the Australian Privacy Principles, so that Cash Converters can update, use or disclose the collected information remotely.
We take our privacy obligations seriously and are committed to ensuring the protection of your personal information no matter where you are located. The types of personal information we may send overseas are outlined in this Policy and the countries to which we may send personal information may vary from time to time depending on the location of the recipients of the information. We take reasonable steps to ensure that such recipients respect your privacy in a similar manner.
We may monitor and record telephone calls for training and security purposes.
Cash Converters will not send you unsolicited communication relating to marketing and promotional purposes where you have opted out of receiving such communication. Cash Converters will not sell, rent or lend our contact lists or our customers’ contact lists (including customer data) to third parties.
You may opt-out at any time if you no longer wish to receive marketing information or do not wish to receive marketing information through a particular channel, such as email, telephone, SMS or mail. In order to do so, simply let us know by contacting our Privacy Officer at the details below and let us know that you no longer want us to send you marketing materials. You can also 'unsubscribe' from our marketing messages, which always include an unsubscribe option.
Cash Converters may use remarketing services (or similar audience-targeted feature) in any of its websites for the purpose of advertising and displaying content online. In addition, we may also use interest-based advertising to encourage traffic to our website if you opt-out from marketing communications from us, we may still contact you for the other purposes described in the “Why we collect information” section above. You can unsubscribe from these communications by using the details provided in the communication.
“Biometric data” means personal information stored by Cash Converters regarding an individual’s physical characteristics that can be used to identify a person, such as fingerprints, voiceprints, facial shape, or scan of hand or face geometry.
We do not actively collect or use biometric data unless explicitly required for a specified and lawful purpose. In instances where the collection or use biometric data is necessary, it will only be collected or used in accordance with applicable standards and laws.
Within our physical premises in Australia, we employ continuous Closed-Circuit Television (CCTV) systems for the purpose of enhancing the safety and security of our employees, visitors, and assets. If you visit a Cash Converters store, your photographic data may be recorded by our CCTV systems.
The footage obtained from CCTV cameras are only collected, stored, accessed and disclosed for legitimate and lawful purposes, such as security monitoring, incident investigation, or compliance with legal requirements. We securely discard the data collected from our CCTV surveillance systems when it is no longer required for business or legal purposes.
Access to our CCTV systems and any associated recorded images which contain personal information is strictly controlled and is limited to those who need to have access in accordance with applicable standards and laws. Access, storage, and disclosure of information obtained from CCTV is done so in accordance with applicable standards and laws.
We may use automated decision-making when we first review your loan application. When using automated decision-making we first try to match you with any existing customer profiles and evaluate your application based on your profile information and bank statement data. Our automated decision-making system checks for key conditions in deciding if the application should proceed to the next stage or be declined . You can always express your opinion about a decision based solely on automated processing, including profiling, if such a decision would produce legal effects or otherwise similarly significantly affect you.
If you believe we have incorrectly made a decision based on automated decision-making and profiling, please contact us using the information in the ‘Contact us’ section of this Privacy Policy.
Your right not to be subject to automated decision making and profiling does not apply if the decision was necessary for entering into or performing a contract with you or is authorised by law and there are suitable safeguards for your rights and freedoms. However, in these situations, you can still obtain human intervention in the decision-making process and will make sure there are methods in place for you to express your point of view.
Cash Converters takes all reasonable care to preserve the security of personal information collected or submitted to us both physically and digitally in accordance with the Cash Converters website Terms and Conditions (located at http://www.cashconverters.com.au/termsandconditions) and this Privacy Policy.
Cash Converters regularly reviews developments in security and encryption technologies. As no data transmission over the Internet can be guaranteed as totally secure, Cash Converters cannot guarantee the security of any information you transmit to us or which is generated from our online products or services and you engage with us at your own risk.
Upon receiving your transmission, we ensure that reasonable steps are taken to preserve the security of the information in our customer database.
In the event that you cease to be a customer of ours, and if we have provided you a ‘designated service’, any personal information which we hold about you will be maintained for a period of not less than 7 years in order to comply with legislative requirements. For the purpose of this section, a ‘designated service’ means lending services provided by Cash Converters.
If you have any questions or would like further information about our privacy and credit information handling practices and policies, or a hard copy of this policy, or you wish to exercise your right to make a correction, complaint, request access to, or deletion of, any information which we have collected about you, please contact our Privacy Officer at:
The Privacy Officer
Cash Converters
Level 11, 141 St Georges Terrace
Perth WA 6000
Phone: 08 9221 9111
Email: privacy@cashconverters.com
Our Privacy Officer will attend to your matter within a reasonable period after your communication is received and if access to information has been requested, will give access to the information in the manner requested by you, for a reasonable fee where it is reasonable and practical to do so.
If you consider that we have failed to resolve the complaint satisfactorily and you are an individual located in Australia, you can complain to the Office of the Australian Information Commissioner. The complaint is to be in writing and the service is free of charge. The complaint may be submitted via mail, fax, email or online and addressed to:
Director of Compliance (Investigations)
GPO Box 5218, Sydney NSW 2001
Email enquiries@oaic.gov.au
You acknowledge and accept that your use of Cash Converters website or of products which direct you to this Privacy Policy indicates your acceptance of the Cash Converters website Terms of Use and of the use and disclosure of information provided for under this Privacy Policy.
This is the current Privacy Policy. It replaces any other Privacy Policy for the Cash Converters website previously published on the Cash Converters website. Cash Converters may notify you about changes to this Privacy Policy by posting an updated version on our website. We encourage you to check our website from time to time to ensure you are familiar with our latest privacy policy.
Our privacy policy was last updated on 4 December 2025
