Privacy Policy

Tax Hitech Pty Ltd, trading as PayMyTax (“PayMyTax”, “we”, “us” or “our”), respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, hold, use and disclose personal information in connection with our website and referral services. It also explains how you can access or correct your information and raise a privacy concern.

We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles where they apply to us.

1. About PayMyTax

PayMyTax is an intermediary and referral service that connects customers seeking finance to pay Australian Taxation Office (ATO) liabilities with third-party lenders.

PayMyTax is not the lender. Any loan agreement is entered into directly between you and the relevant lender. The lender is responsible for assessing your application, making lending decisions and administering the loan.

PayMyTax may receive a referral fee or commission from the lender.

This policy applies to personal information handled through our website, enquiry forms, referral services, customer support and marketing communications. Lenders handle information they collect under their own privacy policies.

2. Personal information we collect

We collect information reasonably necessary to respond to enquiries, arrange referrals and operate our business. Depending on your interaction with us, this may include:

• Contact details: your name, state, email address and telephone number.
• Business details: your business name, ABN, and your role or authority to act for the business.
• Enquiry and referral details: the amount of finance you are seeking, the amount or general nature of the tax liability you wish to finance, and information you provide about your request.
• Tax documents: statements such as Business Activity Statements (BAS) or Instalment Activity Statements (IAS) that you or your authorised representative upload through the platform, which we collect and store to support your enquiry, referral and payment arrangements.
• Referral progress and outcomes: the lender to which you are referred, application status, whether finance proceeds, and relevant settlement or commission information provided lawfully by the lender.
• Communications and preferences: correspondence, enquiries, feedback, complaints, consent records and marketing preferences.
• Website and technical information: IP address, browser and device type, operating system, pages visited, referring websites, access times, cookie identifiers and security or diagnostic logs.

Business information is covered by this policy where it identifies, or could reasonably identify, an individual.

Tax documents you upload through the platform, such as BAS or IAS statements, are collected and stored by us to support your enquiry, referral and payment arrangements. We store them securely and use them only for the purposes described in this policy. Apart from these documents, we do not require detailed financial documents to provide our referral service, so please do not send us documents that should be submitted directly to a lender.

3. Information collected directly by lenders

A third-party lender may request tax returns, financial statements, bank statements, details of income, expenses, assets, liabilities and existing borrowing, or other documents needed to assess a loan application.

The lender may also request identification documents, bank account details and any authorisations required for identity verification or credit checks.

These documents and details are provided directly to the lender and handled under its privacy policy. PayMyTax does not collect or hold these documents or detailed financial records as part of its referral service. They should be submitted using the lender’s own secure channels.

A lender may separately provide us with limited referral progress, outcome or settlement information, as described in this policy. This does not mean we receive the financial documents submitted to the lender.

Before providing information to a lender, please review its privacy policy and any collection notices or consent forms. Questions about information held by a lender should be directed to that lender.

4. Tax file numbers and sensitive information

PayMyTax does not request or require your tax file number (TFN) for its referral service. Please do not include your TFN in an enquiry or correspondence sent to us.

We do not ordinarily need sensitive information, such as health information, religious beliefs or biometric information. Please do not provide it unless we have explained a lawful reason for requesting it.

If we receive personal information we did not request, including a TFN or financial documents intended for a lender, we will assess whether we may lawfully retain it. Where required, we will securely delete, redact or de-identify it.

We will only collect sensitive information where reasonably necessary and with your consent, unless otherwise permitted or required by law. TFN information will only be handled where specifically permitted by law.

5. How we collect information

We generally collect information directly from you when you:

• complete an enquiry or referral form;
• contact us by telephone, email or another communication channel;
• request assistance with a lender referral;
• subscribe to our communications; or
• visit or interact with our website.

Where lawful and appropriate, we may also receive relevant information from your authorised accountant, tax agent or other representative, from publicly available business registers, or from a lender providing referral updates.

If you provide another person's information, you must have authority to do so, make them aware of this policy and obtain any consent required. This does not remove our own privacy obligations.

When we collect information, we will provide a notice or explanation appropriate to the interaction about why it is needed, the proposed recipients and any relevant choices. This may appear on our enquiry form or be provided during our communications with you.

Submitting an enquiry does not authorise PayMyTax to access your ATO account or obtain your consumer credit report. Reading this policy or using our website does not, by itself, constitute consent to every use or disclosure described in it.

6. Your choice to provide information

You may make a general enquiry anonymously or using a pseudonym where practicable and lawful.

To arrange a referral, we will usually need your contact details and relevant information about your request. If you do not provide information reasonably required for that purpose, we may be unable to arrange the referral or assist further.

A lender will separately explain the information it requires to assess your application.

7. How we use personal information

We may use personal information to:

• respond to enquiries and explain our services;
• understand your request and arrange a lender referral;
• communicate with you, your authorised representatives and relevant lenders;
• follow up referrals and confirm application outcomes;
• calculate, reconcile and maintain records of referral fees or commissions;
• provide customer support and resolve complaints;
• maintain business records and consent records;
• protect our website and systems and prevent fraud or misuse;
• analyse and improve our services;
• send permitted marketing communications; and
• comply with applicable legal obligations and establish, exercise or defend legal claims.

We will use or disclose information for other purposes only with your consent or where otherwise permitted or required by law.

8. Sharing information with lenders and other third parties

Lender referrals

When you request a referral, we may share your name, contact details, business details and relevant enquiry information with one or more lenders involved in that referral.

Before making a referral, we will identify the lender or lenders that will receive your information, explain the purpose of the disclosure and obtain your consent. We will keep a record of that consent. A lender may then contact you directly about your request and collect the information it needs for its own assessment.

If we propose referring you to an additional lender outside the scope of your original consent, we will obtain further consent before doing so.

We may receive relevant referral updates and outcome information from the lender where authorised or otherwise permitted by law.

Our referral fee or commission arrangements do not authorise unrelated uses of your information.

Other service providers and recipients

Where reasonably necessary for the purposes described in this policy, we may also disclose personal information to:

• your authorised representatives;
• website hosting, software, customer-management, communications, IT support and security providers;
• accountants, legal advisers, auditors and insurers;
• regulators, courts, law enforcement agencies or government bodies where lawfully required or authorised; and
• parties involved in a proposed or completed business sale, merger or restructure, subject to appropriate confidentiality and privacy safeguards.

We limit disclosures to information reasonably required for the relevant purpose. Where appropriate, we require service providers to protect information and restrict its use to authorised purposes.

We do not sell personal information for unrelated third-party marketing. This does not prevent the authorised lender referrals described above, for which we may receive a fee or commission.

9. Credit checks

Credit checks associated with a loan application are handled by the relevant lender in accordance with applicable law and any required consent.

The lender's privacy and credit reporting notices should explain how it handles credit information.

A general enquiry or referral request to PayMyTax does not, by itself, authorise a consumer credit check. This Privacy Policy is not a credit-check consent form.

10. Overseas handling

Personal information may be stored, processed or accessed outside Australia through our hosting, software, communications or support arrangements.

Where we disclose personal information overseas, we take reasonable steps required by applicable law to ensure recipients handle it consistently with the Australian Privacy Principles, unless a lawful exception applies. These steps may include reviewing privacy and security arrangements and imposing appropriate contractual protections.

Contact us if you would like further information about overseas handling.

11. Cookies, analytics and advertising technologies

Our website uses cookies and similar technologies to support functionality, remember preferences, maintain security and understand website usage.

Analytics providers may receive technical and usage information, such as your IP address, browser and device details, cookie identifiers, referring pages, pages visited and interactions with the website, to help us measure and improve website performance.

Where we use advertising pixels or similar marketing technologies, these may disclose website activity and online identifiers to advertising providers to measure campaign performance, build audiences and display relevant advertisements on other websites or platforms. Providers may associate that information with information they already hold about you, subject to their own privacy practices.

We will explain the relevant providers and tracking purposes through our website privacy or cookie notices and obtain consent where required. We do not authorise the transmission of TFNs, financial documents or the contents of enquiry-form fields to advertising platforms through tracking tools.

You can manage cookies through your browser settings and use any privacy controls we provide. Advertising providers may also offer controls for personalised advertising. Blocking certain technologies may affect website functionality; browser settings may not control every form of tracking.

12. Marketing communications

We may send newsletters, educational information, service updates or promotional communications where you have consented or the communication is otherwise permitted by law. Consent to a lender referral is not, by itself, consent to unrelated marketing. Where we request optional marketing consent, it will be separate from your referral request.

Our commercial emails and SMS messages will identify us and provide a functioning unsubscribe facility. You may opt out using that facility or by emailing support@paymytax.com.au. We will stop sending commercial emails and SMS messages within five working days of receiving your unsubscribe request, without charge. We will action other marketing opt-out requests within the applicable legal timeframe.

Where applicable, you may also ask us to identify the source of personal information used for direct marketing. We will respond as required by law.

Opting out of marketing does not prevent necessary communications about your enquiry, referral, a security issue or a legal obligation.

Marketing preferences held by an independent lender may need to be updated directly with that lender.

13. Security and retention

We hold personal information in our business systems and those of service providers, and in physical records where necessary.

We take reasonable technical and organisational steps to protect information against misuse, interference, loss and unauthorised access, modification or disclosure. Safeguards are selected according to the information and risks involved and may include access controls, secure transmission, authentication controls, staff training and confidentiality requirements.

No transmission or storage method is completely secure. Please contact us promptly if you suspect that information held by us has been compromised.

We retain information for as long as reasonably needed to provide our services, maintain necessary records, manage complaints and meet applicable legal requirements. When it is no longer needed and retention is not legally required, we take reasonable steps to securely destroy or de-identify it.

Where immediate removal from backups is not practicable, the information remains protected until it can be removed through the applicable retention cycle.

14. Access, correction and deletion

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

Send your request to support@paymytax.com.au. We may take reasonable steps to verify your identity or your representative's authority.

We aim to respond within 30 days. If more time is reasonably required, we will explain the delay and keep you informed.

There is no charge to make an access request or to request or make a correction. Where legally permitted, a reasonable charge may apply to providing access; we will explain any proposed charge beforehand.

If we refuse access or correction, we will provide written reasons, except where it would be unreasonable to do so, and explain how to complain. If we decline a correction, you may ask us to associate a statement of your disagreement with the information. Where required and requested, we will take reasonable steps to notify previous recipients of a correction.

You may request deletion, although we may need to retain information for lawful business or legal reasons.

Where we rely on consent, you may withdraw it for future handling by contacting us. We will explain any effect on our ability to assist you. Withdrawal does not undo lawful handling that has already occurred.

Requests concerning documents or information held independently by a lender should be made to that lender.

15. Data breaches

We will assess suspected privacy or security incidents and take appropriate steps to contain and address them.

Where the Notifiable Data Breaches scheme applies, we will take all reasonable steps to assess a suspected eligible data breach within 30 calendar days of becoming aware of the grounds for suspicion. If notification is required, we will notify the Office of the Australian Information Commissioner (OAIC) and individuals at risk of serious harm as soon as practicable, including providing guidance about protective steps.

16. Privacy complaints

Please direct privacy complaints to:

Privacy Officer

Tax Hitech Pty Ltd

Email: support@paymytax.com.au

Please describe your concern and the outcome you are seeking. We will acknowledge your complaint, investigate it and aim to provide a written response within 30 days. If more time is needed, we will explain why and provide an expected response date.

17. External websites and children

Our website may link to lender websites or other external services. Their handling of personal information is governed by their own privacy policies.

Our referral services are intended for people aged 18 and over. If we become aware that we hold information about a child that is not lawfully required, we will take appropriate steps to remove it.

18. Changes and contact details

We may update this policy to reflect changes to our services, practices or legal obligations. The current version will be published on our website with its latest revision date. Where appropriate, we will draw material changes to your attention.

An update to this policy does not replace any separate consent required by law.

This policy is available free of charge on our website. You may request a free copy in another reasonable format.

For privacy questions, requests or complaints, contact:

Privacy Officer

Tax Hitech Pty Ltd (ABN 38 642 032 666)

Website: paymytax.com.au

Email: support@paymytax.com.au