Privacy Policy

1. Introduction

Freedom Pacific provides remittance and money-transfer services for people sending money between New Zealand, Australia and the Pacific Islands. We are committed to protecting the privacy of everyone who uses our website, mobile apps and services.

This Privacy Policy explains what personal information we collect, how we use it, when we share it, and the choices and rights you have. Please read it together with our Terms & Conditions.

2. Who we are

Freedom Pacific operates under Licence No. AAN 100817830. In New Zealand the service is provided by Freedom Pacific (New Zealand) Limited (company 4960959, NZBN 9429041099254).

We are the organisation responsible for the personal information collected through our services.

3. Information we collect

Depending on how you use our services, we may collect:

• Identity information — your full name, date of birth, nationality and government-issued identification documents.
• Contact information — your email address, phone number and residential or postal address.
• Financial information — bank account details, payment card details, transaction history and source-of-funds information.
• Verification information — documents and data required for Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.
• Technical information — device identifiers, IP address, app version and log data generated when you use our services.

4. How we use your information

We collect and use your personal information to:

• Create and manage your account and provide the services you request.
• Process your remittances and other transactions.
• Verify your identity and meet our KYC, AML and sanctions-screening obligations.
• Prevent, detect and investigate fraud and other unlawful activity.
• Communicate with you about your account, transactions and service updates.
• Comply with applicable laws and respond to lawful requests from authorities.
• Improve the security, reliability and functionality of our services.

5. Legal basis for processing

We process your personal information where it is necessary to provide our services to you, to comply with our legal and regulatory obligations, to protect our legitimate interests (such as preventing fraud), or where you have given us your consent.

6. When we share your information

We may share your information with:

• Banking, payment and payout partners needed to complete your transactions, including our cash pick-up partners in the Pacific.
• Identity-verification, fraud-prevention and compliance service providers.
• Regulators, law-enforcement agencies and other authorities where required by law.
• Professional advisers and service providers who support our operations under confidentiality obligations.

7. International data transfers

Because we operate across New Zealand, Australia and the Pacific, your information may be stored or processed in more than one country. Where information is transferred across borders, we take reasonable steps to ensure it remains protected in line with applicable privacy laws.

8. How we protect your information

We use appropriate technical and organisational measures — including encryption, access controls and secure infrastructure — to protect your personal information against unauthorised access, loss, misuse or disclosure. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

9. How long we keep your information

We keep your personal information for as long as your account is active and for any further period required to meet our legal, regulatory and record-keeping obligations, including AML record-retention requirements. When information is no longer required, we securely delete or anonymise it.

10. Your rights

Subject to applicable law, you may have the right to:

• Access the personal information we hold about you.
• Ask us to correct inaccurate or incomplete information.
• Ask us to delete your information where we are not required to keep it.
• Object to or restrict certain uses of your information.
• Withdraw your consent where our use is based on consent.

11. Cookies and analytics

Our website and apps may use cookies and similar technologies to operate the service, remember your preferences and understand how the service is used. You can manage cookies through your browser or device settings, though some features may not work properly if they are disabled.

12. Children

Our services are intended for people aged 18 and over. We do not knowingly collect personal information from minors. If we learn that we have, we will take steps to delete it.

13. Changes to this policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised date. Your continued use of our services after an update means you accept the revised policy.

14. Contact us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, contact us at info@freedompacific.com.au.