This Privacy Policy outlines how Premier Express Group Pty Ltd (ABN 22 626 597 779), trading as MP Money (“MP Money,” “we,” “us,” or “our”), collects, uses, stores, and protects personal information gathered through the MP Money mobile application (“Mobile App”), available on the Google Play Store, Apple App Store, and any other approved app platforms.

1. Meaning of “Personal Information”

Under the Privacy Act 1988 (Cth), “personal information” refers to any information or opinion that identifies, or could reasonably identify, an individual—regardless of whether the information is accurate or recorded in material form.

Information that does not identify you, and cannot reasonably be linked to your identity, is not considered personal information for the purpose of this Policy.

2. Our Commitment to Your Privacy

MP Money values your privacy and is committed to safeguarding your personal information. We comply with the Australian Privacy Principles under the Privacy Act 1988 (Cth).

3. Information We Collect

The type of personal information collected depends on how you use our Mobile App. Typically, we may collect the following:

• Full name, date of birth, residential address, gender, occupation, and contact details
• Beneficiary details including name, date of birth, address, occupation, gender, and contact information
• Identity verification documents (e.g., government-issued ID, driver licence)
• Bank account details and payment information
• Transaction history and transfer details
• Source of funds documentation
• Proof of residence
• Phone, email, or in-person verification information

You may be asked to confirm or verify these details at any time.

4. How We Collect Personal Information

We may collect personal information:

• When you submit information via the Mobile App
• Through cookies and similar technologies on your electronic device
• Through communication channels including phone calls, SMS, emails, and customer support interactions
• When you use or interact with our services

Cookies help us improve user experience but do not personally identify you.

5. Why We Collect Personal Information

We collect personal information to:

• Provide secure and efficient money remittance services
• Verify identity and comply with regulatory obligations
• Manage your account and process transactions
• Improve Mobile App performance and user experience
• Communicate with you regarding updates, service changes, or marketing material (with your consent)

MP Money may share personal information only with trusted service providers who support the operation of our Mobile App. Maintenance or support staff may access your information solely for operational purposes.
You consent to receiving direct marketing material unless you opt out. We do not use sensitive information for marketing.

6. Information Collected Automatically by the Mobile App

The Mobile App may automatically collect general technical information, including:

• Device ID
• IP address
• Operating system
• Browser type
• Usage data and interaction behaviour

We analyse aggregated data to improve the performance and quality of our services. No personally identifiable information is extracted from automatic tracking alone.

7. Access and Correction of Information

Under Australian Privacy Principles 12 and 13:

• You may request access to personal information we hold about you
• You may request correction of inaccurate or incomplete information

To make a request, please contact us using the details at the end of this Policy.

8. Complaints Procedure

If you have concerns about how MP Money handles your personal information or believe we may have breached the Privacy Act, please submit a complaint including:

• Your full name and contact details
• Description of your concern
• Expected steps for resolution
• Any supporting documents or communication history

MP Money will acknowledge and investigate your complaint. We aim to respond in writing within 30 days. If additional time is required for complex matters, we will notify you of the revised timeframe.
If you remain dissatisfied, you may escalate the matter to the Office of the Australian Information Commissioner (OAIC).

9. Contact Us

For privacy-related questions, access requests, or complaints, please contact:
Email: [email protected]
Address: 197 Thomas Street Dandenong Vic 3175

MP Money is committed to treating your personal information responsibly and lawfully.