Privacy Policy

PRIVACY POLICY 

This Privacy Policy explains how Gold Buyers National Pty Ltd manages personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), where they apply. It should be read with our Terms of Service and any collection notice provided when we collect information. 

17. Personal information we collect 

Depending on the transaction, we may collect your name, contact details, residential address, date of birth, driver licence or other photo identification details and images, transaction and payment details, communications with us, and information about the Items, including descriptions, serial numbers, engravings or identifying marks. We may also collect information relevant to ownership, source of property, fraud prevention, sanctions, politically exposed person checks, AML/CTF risk and other legal compliance where permitted or required. 

18. How we collect information 

We collect information directly from you in stores, through our websites and forms, by phone, email or other communications, and when you use our services. We may also receive information from identity-verification providers, public records, regulators, law-enforcement bodies, analytics providers, payment providers and other third parties where lawful. 

19. Why we collect, use and disclose it 

We collect, use and disclose personal information to provide and administer our services; value and purchase Items; make payments; verify identity, age, address and ownership; prevent fraud and theft; meet second-hand dealer, taxation, accounting, AML/CTF and other legal obligations; respond to enquiries and complaints; maintain security; improve our operations; and, where permitted, communicate about our services and marketing. We will not use or disclose personal information for an unrelated purpose unless permitted by law or with consent where required. 

20. Identity verification and AML/CTF 

We may verify identification information electronically and may collect additional information where required by our risk-based AML/CTF program or applicable law. Information may be disclosed to AUSTRAC, police, other regulators, financial institutions or verification providers where required or authorised by law. We may be legally restricted from telling you about certain reports or regulatory actions. 

21. Cookies, analytics and online services 

Our websites may use cookies and similar technologies for security, functionality, analytics and, where permitted, advertising. Third-party providers may process device, usage or interaction information under their own privacy terms. You can manage cookies through your browser and use available provider opt-out controls, although disabling some cookies may affect website functionality. 

22. Direct marketing 

Where permitted by law, we may use contact details to send information about our services. You can opt out at any time using the unsubscribe method in the message or by contacting us. We will action opt-out requests within the period required by law. 

23. Disclosure to service providers and overseas recipients 

We may disclose personal information to service providers that support identity verification, cloud hosting, data storage, website operation, analytics, communications, payment processing, professional advice and regulatory compliance. Some providers may store or process information outside Australia. Where the APPs require it, we take reasonable steps in relation to overseas disclosures. Current overseas locations can change with our service providers; where practicable, details should be made available in our online privacy information or on request. 

24. Storage, security and retention 

We take reasonable technical and organisational steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. Information may be held in our business software, Microsoft/OneDrive or other approved cloud systems, secure electronic archives and locked physical storage. We retain information for as long as required for the purposes for which it was collected and to meet legal record-keeping obligations, then securely destroy or de-identify it where lawful and appropriate. 

25. Access and correction 

You may request access to personal information we hold about you and ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. Contact hello@goldbuyersonline.com. We may need to verify your identity. Access or correction may be refused or limited where an exception under law applies; where required, we will explain the reason and available complaint options. We may be unable to delete information that we are legally required to retain. 

26. Data breaches 

We maintain processes for responding to suspected data breaches. Where the Notifiable Data Breaches scheme applies and an eligible data breach is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required by law. 27. Privacy complaints 

If you believe we have mishandled your personal information, contact hello@goldbuyersonline.com with enough detail for us to investigate. We will respond within a reasonable period. If you are not satisfied, you may contact the OAIC at www.oaic.gov.au or 1300 363 992. 28. Privacy policy updates 

We may update this Privacy Policy to reflect changes to law, technology, service providers or our practices. The current version will be made available through our website or on request, with the effective date shown. 

29. Definitions 

Agreement means these Terms together with policies or notices expressly incorporated into them. Items has the meaning in section 4. Services means our store and mail-in precious-metal buying services and related website functions. Website includes goldbuyers.com.au and goldbuyersonline.com. You means a customer or prospective customer using the Services. 

Important legal note 

This document is designed as customer-facing terms and privacy information and does not replace Gold Buyers National’s internal AML/CTF program, customer due diligence procedures, statutory registers, transaction records, privacy procedures or staff instructions.