NAQL PTY LTD is committed to providing quality services to its customers and protecting the privacy and security of personal information. This Privacy Policy outlines our ongoing obligations regarding the collection, use, storage, disclosure, and protection of Personal Information in accordance with Australian privacy laws.
NAQL PTY LTD has adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). These principles govern the way we collect, use, disclose, store, secure, and dispose of Personal Information.
A copy of the Australian Privacy Principles can be obtained from the website of the Office of the Australian Information Commissioner at https://www.oaic.gov.au.
Personal Information refers to information or an opinion that identifies an individual. The types of Personal Information collected by NAQL PTY LTD may include names, residential addresses, postal addresses, email addresses, telephone numbers, dates of birth, identification documents, passport details, driver's licence information, banking details, transaction information, employment information, and other information required to provide remittance and money transfer services.
We collect Personal Information through various means including customer registration forms, identity verification procedures, telephone conversations, email correspondence, website enquiries, online registration forms, transaction requests, compliance reviews, and direct interactions with our staff. Information may also be obtained from third-party verification providers, financial institutions, government databases where legally permitted, and other sources necessary to fulfil our regulatory obligations.
The primary purpose of collecting Personal Information is to provide money transfer and remittance services, verify customer identity, comply with anti-money laundering and counter-terrorism financing laws, process transactions, communicate with customers, maintain transaction records, improve our services, and satisfy legal and regulatory obligations.
We may also use Personal Information for secondary purposes closely related to the primary purpose where such use would reasonably be expected by the customer. Customers may opt out of receiving marketing communications at any time by contacting NAQL PTY LTD in writing.
Sensitive information is defined under the Privacy Act and may include information relating to criminal records, biometric information, racial or ethnic origin, religious beliefs, political opinions, health information, or other protected categories.
NAQL PTY LTD will only collect sensitive information where required by law, where it is reasonably necessary for identity verification or compliance purposes, where the customer has provided consent, or where collection is otherwise authorised by law.
Where practical, NAQL PTY LTD will collect Personal Information directly from customers. However, in certain circumstances information may be provided by authorised representatives, financial institutions, identity verification providers, compliance service providers, government agencies, or other third parties. Where appropriate, reasonable steps will be taken to ensure customers are aware of the source of such information.
NAQL PTY LTD respects the confidentiality of customer information and does not sell, rent, or trade Personal Information to third parties.
Personal Information may be disclosed where necessary to process transactions, verify identities, comply with legal obligations, prevent fraud, protect customers, or satisfy regulatory requirements. This may include disclosure to banks, payment service providers, compliance service providers, auditors, professional advisers, law enforcement agencies, AUSTRAC, courts, government authorities, and regulatory bodies where disclosure is required or authorised by law.
NAQL PTY LTD takes reasonable steps to protect Personal Information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Our systems utilise industry-standard security measures including SSL encryption, secure hosting environments, restricted access controls, password protection, secure document storage, and administrative safeguards designed to protect customer information.
Access to Personal Information is limited to authorised personnel who require such access to perform their duties. Additional security measures may be implemented from time to time as technology and regulatory requirements evolve.
As a provider of remittance and money transfer services, NAQL PTY LTD is subject to record-keeping obligations under Australian law.
Customer records, identification documents, transaction information, and related compliance records may be retained for a minimum period of five (5) years following the completion of a transaction, closure of an account, or as otherwise required by applicable laws and regulatory requirements.
Where Personal Information is no longer required and there is no legal obligation to retain it, reasonable steps will be taken to securely destroy, archive, or permanently de-identify the information.
Customers may request access to the Personal Information held by NAQL PTY LTD, subject to exceptions permitted under Australian privacy laws.
Requests for access should be submitted in writing. We may require proof of identity before releasing any Personal Information to ensure the security and privacy of customer records.
NAQL PTY LTD will not normally charge a fee for access requests, however a reasonable administrative fee may apply where substantial resources are required to locate, retrieve, prepare, or provide copies of records.
NAQL PTY LTD aims to ensure that Personal Information is accurate, complete, and up to date. Customers are encouraged to notify us promptly if any information held by us is inaccurate, incomplete, or requires updating.
Reasonable steps will be taken to correct information where appropriate.
Our website may use cookies, analytics tools, and similar technologies to improve website functionality, enhance user experience, monitor website performance, and assist with security.
Customers may adjust browser settings to refuse cookies; however, doing so may affect certain website functionality.
NAQL PTY LTD reserves the right to amend this Privacy Policy at any time. Any updates will be published on our website and become effective upon publication.
Customers are encouraged to review this Privacy Policy periodically to remain informed about how their Personal Information is managed.
If you have any questions, concerns, requests, or complaints regarding this Privacy Policy or the handling of your Personal Information, please contact:
NAQL PTY LTD
Address: Melbourne VIC 3000
Email: hq@moneynaql.com.au
Phone: +61 415 925 390
We will make reasonable efforts to investigate and respond to privacy-related enquiries and complaints within a reasonable timeframe.