Privacy Policy

1. Our Commitment to Privacy

1.1 At FUNDiMO, privacy is at the core of everything we do. We've built our platform with a privacy-first approach, using FUN IDs so that your personal information stays private.

1.2 This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use the FUNDiMO platform.

1.3 By using FUNDiMO, you consent to the practices described in this policy.

2. FUN ID Privacy Protection

2.1 Your FUN ID is a unique three-word identifier that represents you on the FUNDiMO platform (e.g., "horse.green.hope").

2.2 Businesses interact with your FUN ID, not your personal information. This means:

2.2.1 Businesses never see your name, email, or contact details.

2.2.2 You can receive discounts anonymously.

2.2.3 You control what information you share, when you share it.

2.3 Your FUN ID cannot be used to identify you personally without access to your account.

3. Information We Collect

3.1 Account Information

3.1.1 When you create an account, we collect:

3.1.1.1 Email address (for account verification and communication).

3.1.1.2 Phone number (for PayTo authentication and account recovery).

3.1.1.3 Banking information — your BSB and account number, or PayID. When you save a preferred payment method, we store these details encrypted at rest and use them to set up payments when you link to a merchant; you can view or remove them at any time.

3.1.1.4 Identity documents (e.g., driver's licence, passport) when required for verification.

3.1.1.5 Passkey credentials (stored securely for passwordless authentication).

3.2 Transaction Information

3.2.1 We collect transaction data to provide our services, including:

3.2.1.1 Payment amounts and timestamps.

3.2.1.2 Merchant information.

3.2.1.3 Discounts applied.

3.2.1.4 Transaction reference identifiers.

3.3 Usage Information

3.3.1 To improve our service, we collect information about how you use FUNDiMO:

3.3.1.1 Pages visited and features used.

3.3.1.2 Businesses and products you follow or save.

3.3.1.3 Search queries and preferences.

3.3.1.4 Device information and browser type.

3.4 Business Information

3.4.1 For business accounts, we additionally collect:

3.4.1.1 Business name and trading name.

3.4.1.2 Australian Business Number (ABN).

3.4.1.3 Business address and contact details.

3.4.1.4 Bank account details for settlement.

3.4.1.5 Authorised representative information.

4. How We Use Your Information

4.1 We use your information to:

4.1.1 Provide and improve our payment and marketplace services.

4.1.2 Process transactions.

4.1.3 Send you notifications about discounts and offers (if you opt in).

4.1.4 Detect and prevent fraud and unauthorised activity.

4.1.5 Comply with legal obligations and regulatory requirements.

4.1.6 Respond to your enquiries and provide customer support.

4.1.7 Analyse usage patterns to improve the platform.

4.2 We will not use your personal information for purposes other than those described in this policy without your consent.

5. Information Sharing

5.1 We are committed to keeping your information private. We:

5.1.1 Never sell your personal information to third parties.

5.1.2 Share only your FUN ID with merchants, never your personal details.

5.1.3 Share information with payment processors only as necessary to complete transactions.

5.2 We may share information in the following circumstances:

5.2.1 With service providers who assist in operating the platform (under strict confidentiality agreements).

5.2.2 When required by law, regulation, or legal process.

5.2.3 To protect the rights, property, or safety of FUNDiMO, our users, or the public.

5.2.4 In connection with a merger, acquisition, or sale of assets (with notice to you).

6. Your Privacy Rights

6.1 You have the right to:

6.1.1 Access the personal information we hold about you.

6.1.2 Request correction of inaccurate information.

6.1.3 Request deletion of your account and data (subject to legal retention requirements).

6.1.4 Opt out of marketing communications at any time.

6.1.5 Control your notification preferences.

6.1.6 Request a copy of your data in a portable format.

6.2 To exercise these rights, contact us at privacy@fundimo.com.au.

6.3 We will respond to your request within 30 days.

7. Data Security

7.1 We implement industry-standard security measures to protect your information:

7.1.1 Encryption of data in transit using TLS 1.3.

7.1.2 Encryption of data at rest using AES-256.

7.1.3 Secure payment processing through PayTo.

7.1.4 Regular security audits and penetration testing.

7.1.5 Strict access controls for our team (role-based access).

7.1.6 Multi-factor authentication for all administrative access.

7.2 While we take all reasonable precautions, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

8. Data Retention

8.1 We retain your personal information for as long as necessary to provide our services and comply with legal obligations.

8.2 Specific retention periods:

8.2.1 Account information: retained while your account is active, plus 7 years after closure.

8.2.2 Transaction records: retained for 7 years (as required by Australian tax law).

8.2.3 Usage data: retained for 2 years, then anonymised.

8.3 You may request deletion of your data earlier, subject to legal retention requirements.

9. Cookies and Tracking

9.1 We use cookies and similar technologies to improve your experience:

9.1.1 Essential cookies: Required for login, security, and basic functionality.

9.1.2 Analytics cookies: Help us understand how you use our service.

9.1.3 Preference cookies: Remember your settings and preferences.

9.2 You can control cookie preferences through your browser settings.

9.3 Disabling essential cookies may prevent you from using certain features of the platform.

10. Children's Privacy

10.1 FUNDiMO is not intended for children under 18.

10.2 We do not knowingly collect information from children.

10.3 If you believe a child has provided us with personal information, please contact us immediately at privacy@fundimo.com.au.

11. International Data Transfers

11.1 Your data is primarily stored and processed in Australia.

11.2 Some service providers may process data in other countries. In such cases:

11.2.1 We ensure appropriate safeguards are in place.

11.2.2 Data is protected by contractual obligations equivalent to Australian privacy standards.

12. Changes to This Policy

12.1 We may update this privacy policy from time to time.

12.2 We will notify you of significant changes by email or through our app.

12.3 The "Last updated" date at the top of this page indicates when the policy was last revised.

12.4 Your continued use of the platform after changes take effect constitutes acceptance of the updated policy.

13. Contact Us

13.1 If you have questions about this privacy policy or your personal information, please contact us at:

Privacy Officer: privacy@fundimo.com.au
General Support: support@fundimo.com.au

13.2 We aim to respond to all privacy enquiries within 30 days.

14. Australian Privacy Principles

14.1 FUNDiMO complies with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

14.2 For more information about privacy in Australia, visit the Office of the Australian Information Commissioner at www.oaic.gov.au.

14.3 If you are not satisfied with our response to a privacy complaint, you may lodge a complaint with the OAIC.