Privacy Policy

Privacy Policy

www.pawnamotorbike.com.au

Protecting Your Personal Information with Integrity and Transparency

General

“Pawn a Motorbike” is a registered business name of MotoCafe Holdings Pty Ltd [ABN 69 620 572 223], hereinafter referred to as MotoCafe. MotoCafe is a licensed Pawnbroker and Second-hand Dealer in New South Wales [Licence #2PS26801].

“Pawn a Motorbike” operates as the dedicated Motorbike & ATV division of E-Pawn Pawnbrokers, the primary trading name under which MotoCafe conducts its pawnbroking and second-hand dealing operations.

Any references herein to “us,” “we,” or “our” should be interpreted as referring to MotoCafe.

The privacy obligations established under the Privacy Act 1988 (Cth) that apply to MotoCafe extend equally to all business operations conducted under its names, including ‘Pawn a Motorbike’ and ‘E-Pawn’.

This Privacy Policy explains how we meet our obligations under the Privacy Act 1988 (Privacy Act). In this policy, the terms ‘personal information’ and ‘information’ are used interchangeably and carry the same meaning as defined in section 6 of the Privacy Act.

We collect personal information to provide you with the products and services you request, to comply with our lawful obligations, and to keep you informed about other products and services offered by or through us.

We are committed to protecting your personal information in compliance with the Australian Privacy Principles (APPs) under the Privacy Act, which can be accessed at www.oaic.gov.au/privacy), as well as any applicable industry privacy codes.

Why We Collect Information

We collect information you provide to us, whether via the internet or by other means, solely for purposes that are reasonably necessary for, or directly related to, our business functions or activities. These purposes include:

  • Providing and Monitoring Services: Supplying customers with the products and services they request, as well as monitoring, evaluating, and delivering those products and services.
  • Customer Assistance: Addressing customer queries, resolving complaints, responding to access requests, or managing any legal action involving our business.
  • Operational and Administrative Management: Managing customer relationships or accounts, and performing tasks such as risk management, systems development and testing, staff training, debt collection, and market or customer satisfaction research.
  • Marketing and Communication: Sharing information about products and services offered by us, our affiliated providers, and external providers for whom we act as agents—unless the customer has opted out of such communications.
  • Legal Compliance: Fulfilling our obligations under relevant legislation, including but not limited to:
  • Research and Analysis: Gathering and aggregating information for statistical, prudential, actuarial, and research purposes.
  • Fraud Prevention: Developing and implementing measures to detect and prevent fraud and credit loss.

Additionally, as required by Part IIIA of the Privacy Act, we may seek your consent to collect, use, and disclose your information.

If you choose not to provide the information we require for the purposes outlined above, we may be unable to offer you the goods or services you have requested.

What Information We Collect

As a licensed pawnbroker and second-hand dealer, we are required by law to conduct identity verification checks under relevant legislation, including:

  • The Pawnbrokers and Second-Hand Dealers Act 1996 (NSW),
  • The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and
  • Other applicable laws governing pawnbroking in NSW.

The personal information we collect (or that is collected on our behalf) typically includes:

  • Identity Details: Name, address, date of birth, gender, marital status, and occupation.
  • Contact Information: Telephone number, email address, and facsimile (if applicable).
  • Financial Information: Account details and certain financial status details.
  • Additional Identification: Occasionally, we may request further details to help verify your identity, such as over-the-phone identification.

Failure to provide the necessary personal information to establish your identity may result in our inability to offer you products or services.

In some cases, we may also collect:

  • Information about your financial situation, including proof of earnings.
  • Details regarding the number and ages of your dependents.
  • Length of time at your current address.
  • Employment information, including your employer’s name, contact details, and length of employment.
  • If applicable, details of your previous employment.

Additionally, we may gather information through agreements or arrangements with third parties, such as banks, credit reporting agencies, or other financial institutions, to fulfill our legal and business obligations.

Collection of Information Regarding Pawned Goods

As part of our pawnbroking operations, we collect specific information about the goods you intend to pawn. This process includes:

1. Identity Verification:

We collect personal information sufficient to verify your identity, which may involve sighting and retaining copies (scanned or photocopied) of identification documents such as:

  • Driver’s license,
  • Medicare card,
  • Birth certificate,
  • Utility bills, or
  • Other acceptable forms of identification.

2. Ownership Verification:

To reasonably verify your ownership of the goods being pawned, we may request and retain copies of supporting documentation, such as sales receipts or invoices.

3. Compliance Checks:

To meet our legal and regulatory obligations, we may:

  • Conduct searches on the Personal Property Securities Register (PPSR) to ensure the goods are free from encumbrances.
  • Contact relevant third parties to verify the provenance of the goods.

These measures are necessary to fulfill our due diligence obligations and comply with applicable laws and regulations governing pawn transactions.

Disclosure

We are committed to maintaining the confidentiality of your personal information. However, we may disclose your information to government agencies, private organisations, or other parties under the following circumstances:

1. With Your Consent:

Disclosure occurs when you have explicitly consented to it.

2. Reasonable Expectations or Notification:

If you would reasonably expect, or have been informed, that information of this nature is typically shared with specific individuals, organisations, or agencies.

3. Legal Requirements:

We are required or authorised by law to disclose certain information. For example, the Pawnbrokers and Second-hand Dealers Act mandates that details of goods pawned, along with the pawnee’s name and address, be recorded on a central register maintained by the NSW Police.

4. Release by Action:

Your actions may imply consent or release from confidentiality, such as publicly discussing your financial matters with the media.s sales receipts or invoices.

5. Preventing Threats:

Disclosure is necessary to prevent or reduce a serious and imminent threat to someone’s life or health.

6. Legal or Revenue Enforcement:

Information is reasonably necessary for enforcing criminal law, laws imposing pecuniary penalties, or protecting public revenue.

Potential Disclosure Recipients

Depending on the services or products provided, we may disclose your information to:

  • Affiliated and External Providers: Product and service providers with whom we collaborate or act as agents to deliver products or services of interest to you.
  • Auditors: Appointed to ensure the integrity of our operations.
  • Referees and Guarantors: Including your employer(s), referee(s), guarantor(s), or potential guarantor(s).
  • Regulatory and Legal Bodies: Including regulatory authorities, courts, or other government agencies authorised to receive such information.
  • Participants in Payment Systems: Such as payment organisations, merchants, and financial institutions like banks.
  • Insurers: To facilitate necessary coverage or claims.
  • Joint Borrowers or Account Holders: Sharing accounts or obligations with you.
  • Other Financial Institutions: At their request when you seek credit or services from them.
  • Consented Parties: Where you have provided specific consent.
  • Suppliers: For goods or services ordered on your behalf.
  • Others: As specified elsewhere in this policy.

We take every precaution to ensure that disclosures comply with legal and ethical obligations, safeguarding your personal information at all times.

Data Storage Overseas

We may use cloud-based technologies and third-party service providers located outside Australia to support essential functions such as business continuity, software delivery, and website operations. Consequently, your personal information may be stored or accessed in countries other than Australia.

However, this does not compromise the level of protection we provide for your personal information. We are committed to ensuring your data is handled securely, irrespective of where it is stored or accessed.

When transferring personal information overseas, we take appropriate steps to comply with the requirements of the Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs), particularly APP 8. These steps include:

  • Verifying that the recipient country provides a level of protection for personal information comparable to Australia’s laws.
  • Entering into agreements with service providers to ensure the secure handling and storage of personal information.
  • Maintaining strict monitoring processes to uphold our legal obligations.

By implementing these measures, we ensure your personal information remains protected while benefiting from global resources and technologies.

Security

We take the protection of your personal information seriously and employ multiple layers of security to safeguard your data from unauthorised access, modification, or disclosure. These measures include:

  • Data Security Systems: We use advanced technologies, including firewalls and encryption tools, to secure both online and offline data.
  • Employee Training: Our staff receives regular training on privacy and security protocols to ensure they understand the importance of safeguarding personal information.
  • Access Control: Access to personal information is restricted to employees who require it to perform their duties. This ensures that only authorised individuals can view or handle sensitive data.

We store personal information in secure electronic or physical formats, adhering to strict storage protocols. Our policy is to retain personal data only as long as necessary to fulfill the purpose for which it was collected or as mandated by law. Once the information is no longer needed, we take reasonable steps to de-identify or securely destroy it.

Complaints

The Proper Officer
Pawn a Motorbike
c/- MotoCafe Holdings Pty Ltd
Suite 6, 3 Victoria Road
Parramatta NSW 2150

Phone:  1300 855 223

Email: complaints@epawn.com.au

Our Privacy Officer will investigate your complaint and provide a written response within 30 days of receipt. If you are not satisfied with our resolution, you have the right to escalate the matter to the Australian Information Commissioner.

Amendments to this Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, the updated version will be posted on our website. Any modifications will apply to information collected on or after the date of the update. The updated policy will be clearly dated, and by continuing to use our products or services after the update, you accept the changes.