Privacy Policy

Kabul Financial Services Pty Ltd (ABN 652 633 228), referred to as “we”, “us” or “our”, is committed to protecting your privacy. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy outlines how we collect, use, hold and disclose your personal information. It also covers your rights to access and correct your information and how to make a complaint.

This policy is available free of charge on our website: kabulexchange.com.au

We collect personal information that is reasonably necessary for us to provide our products and services to you. The types of information we may collect and hold include:

• Identity information — full name, date of birth, occupation.
• Contact information — proof of address, phone numbers, email addresses.
• Identification documents — Australian driver licence, Australian government-issued ID or international passport, and the information contained within.
• Financial information — beneficiary bank account details, transaction history.
• Technical information — IP address, device type (see section 7 on cookies).

We will not collect sensitive information about you, such as information about your health, race or political opinions, without your consent, unless an exemption in the APPs applies.

Directly from you

When you register for an account, fill out forms, contact us by phone or email, or use our services.

From third parties

• Electronic verification services, to verify your identity by matching your information against official government or document issuer records.
• Referrers or marketing agencies.
• Publicly available sources.

If we receive information from a third party, we will take reasonable steps to ensure you are made aware of it.

Unsolicited information

If we receive personal information about you that we did not solicit, we will determine whether we could have lawfully collected it. If not, we will destroy or de-identify it as soon as practicable.

Why we collect it

Our primary purpose is to provide you with our financial exchange services. This includes:

• Verifying your identity in line with our legal obligations.
• Processing your transactions.
• Communicating with you about your account and our services.
• Managing our risks and legal obligations.

If you do not provide the personal information we request, we may not be able to provide you with our services.

We do not give you the option of dealing with us anonymously or under a pseudonym. This is because it is impracticable and, in most cases, illegal for us to provide our services to unidentified individuals — for example, due to our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

We do not sell, share or rent your personal information to third parties for their promotional purposes. We will only use or disclose your information for the purposes we collected it, or for a related purpose you would reasonably expect. This may include disclosure to:

• Service providers — third parties who help us with transaction processing, IT support, marketing and fraud prevention. These providers are contractually bound to protect your information and only use it for the services we engage them for.
• Law enforcement and regulators — where there is a formal request, subpoena or similar legal procedure, or where we believe in good faith that disclosure is necessary to comply with the law or report suspected illegal activity.
• Change of control — if our business is sold, merged or acquired, your personal information may be part of the transferred assets. We will notify you of any such change.

Direct marketing

We may use your personal information to offer you products and services we believe may interest you.

Cross-border (overseas) disclosure

To process your transactions, we may need to disclose your personal information to recipients located outside Australia. This commonly includes:

• Beneficiary financial institutions in the destination country of your transfer.
• Our international payment processors, correspondent banks and global settlement network partners.
• Third-party service providers who assist with fraud prevention, identity verification or data storage and who may be located or process data overseas.

We will take reasonable steps to ensure that overseas recipients do not breach the APPs in relation to your information. However, by using our services you consent to this disclosure, and you acknowledge that we may not be able to ensure the overseas recipient’s compliance with the APPs.

Government-related identifiers

We do not adopt, use or disclose government-related identifiers such as tax file numbers or driver licence numbers as our own identifier for you. We only collect and use these identifiers as required or authorised by law, for example for identity verification.

We hold your personal information in a combination of secure computer databases and, in some cases, paper files. We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps include:

• Technical measures — passwords, data encryption during transmission, firewalls and two-factor authentication.
• Access controls — restricting employee access on a need-to-know basis, with audit logging to track access.
• Physical security — storing any paper files in secure areas.
• Remote work security — strict policies for employees working remotely, including device security, locked screens and prohibitions on copying or sharing data via personal accounts or devices.

When you visit our website, we may use cookies and other tracking technologies. Cookies are small text files transferred to your computer that help our website recognise your browser and capture certain information. We use cookies to:

• Facilitate your access to and use of our online platform.
• Understand how you interact with our website.
• Compile aggregate data about site traffic and user behaviour to improve our services.

By using our website you consent to our use of cookies. You can manage, refuse or delete cookies through your browser settings; if you refuse cookies, you may not be able to use all features of our website.

Information collected by cookies is generally anonymous, but it may be combined with other information that could identify you. We handle this information with the same level of security as all other personal information.

Access (APP 12)

You can request access to your information by contacting our Privacy Officer. We will require you to verify your identity before providing access.

We will respond within a reasonable period, generally within 30 days. We may charge a reasonable administrative fee for search and copying costs. We will not refuse access unless a valid exception under the Privacy Act applies, for example if it would prejudice a legal investigation. If we refuse, we will provide a written explanation.

Correction (APP 13)

We are committed to ensuring your information is accurate, up to date and complete. If you believe the information we hold is incorrect, please contact us. We will take reasonable steps to correct it within 30 days, at no charge. If we have previously disclosed incorrect information to a third party, we will notify them of the correction.

Step 1 — contact our Privacy Officer

Please lodge your complaint in writing with specific details. We will investigate and provide a written response within a reasonable period.

• Email: sarafikabul2021@gmail.com
• Mail: 5 Thompsons Road & S Gippsland Hwy, Cranbourne North VIC 3977

Step 2 — contact the OAIC

If you are not satisfied with our response or how we handled your complaint, you have the right to lodge a complaint with the Office of the Australian Information Commissioner.

• Online: oaic.gov.au
• Phone: 1300 363 992

We may review and update this Privacy Policy from time to time to account for new laws, technologies and changes to our operations. The most current version will always be available on our website.

For any privacy-related queries, please contact us:

• Email: sarafikabul2021@gmail.com
• Phone: 0412 441 653
• Mail: 5 Thompsons Road & S Gippsland Hwy, Cranbourne North VIC 3977