Privacy Policy
Effective date: 01/03/2026
This Privacy Policy (Australia) explains how Pesapeer Pty Ltd / trading name “Pesa”] (“Pesa”, “we”, “us”, “our”) collects, holds, uses, and discloses personal information in connection with our website, mobile applications, and related products and services (together, the “Services”) for individuals in Australia.
This Privacy Policy is intended to support compliance with applicable Australian privacy requirements, including the Australian Privacy Principles (APPs), where they apply to us.
Who we are
Legal entity (Australia): Pesapeer Pty Ltd
ABN : 75 673 488 027
Registered address: 162 Macquire Street, Hobart, TAS, 7000
Contact (privacy): privacy@pesa.co
Contact (support): support@pesa.co
Definitions
· Personal information means information or an opinion about an identified individual or an individual who is reasonably identifiable, whether the information is true or not and whether recorded in a material form or not.
· Sensitive information includes certain categories of information that receive higher protection under Australian privacy law (for example, biometric information used for identification/verification, and certain health or government identifier information).
· Overseas recipient means an entity outside Australia to which personal information may be disclosed (including affiliates and service providers).
Scope
This Privacy Policy applies to: - Australian customers who create an account, use a wallet, send/receive transfers, request cards, or interact with customer support; and - visitors to our Australian-facing web pages and digital properties.
This Privacy Policy does not apply to third-party websites or services that we do not control, even if linked from our Services.
Personal information we collect and hold
Depending on how you use our Services, we may collect and hold:
Identity and verification information - full name, date of birth, residential address; - government-issued identification details (e.g., passport or driver’s licence details); - identity verification artifacts (e.g., selfie, photograph, liveness checks) and derived verification outputs.
Biometric information (where used) - facial images and/or biometric templates or biometric verification results if we offer biometric verification for security and compliance purposes.
Contact information - email address, phone number, mailing address.
Financial and transaction information - linked funding source details (e.g., bank account details or card details where provided); - wallet balances, transaction history, transfers, exchange rates shown/applied, recipients/beneficiaries you add (and related details you provide); - source of funds / source of wealth information you provide, including supporting documents when required for compliance.
Communications and support - customer support interactions (email, chat logs, call notes if recorded with notice); - complaints, feedback, survey responses.
Device, usage, and online identifiers - IP address, device identifiers, mobile advertising identifiers (where enabled), app/web usage data, diagnostic data; - cookies and similar technologies (see “Cookies and similar technologies” below).
Marketing preferences - subscription status, opt-in/opt-out choices, communication preferences.
How we collect personal information
We collect personal information in the following ways:
· Directly from you when you register, verify your identity, add a funding source, set up beneficiaries, send transfers, request a card, contact support, or submit forms.
· Automatically when you use our website or app (e.g., via cookies, SDKs, logs, and device signals).
· From third parties where needed to provide the Services and meet compliance obligations, such as:
· identity verification providers;
· payment processors, banking partners, and payout partners;
· fraud prevention and security vendors;
· analytics providers (subject to configuration and consent settings).
Why we collect, hold, use, and disclose personal information
We collect, hold, use, and disclose personal information for purposes including:
· providing, operating, and maintaining the Services (wallets, transfers, cards, customer support);
· verifying your identity and meeting compliance obligations (including anti-fraud, AML/CTF and sanctions screening where applicable);
· processing transactions and preventing errors and fraud;
· communicating with you about your account, transfers, security alerts, and service updates;
· improving product performance, reliability, and user experience;
· handling disputes, complaints, chargebacks and transaction investigations;
· marketing our Services (subject to your preferences and opt-out rights; see “Direct marketing”);
· complying with legal and regulatory obligations and responding to lawful requests.
Disclosures of personal information
We may disclose personal information to:
· our affiliates and related entities for internal administration and to provide the Services;
· service providers we engage to help operate our Services (e.g., cloud hosting, analytics, customer support tools, document storage, identity verification, fraud prevention);
· financial and payment partners (including banks, payment processors, payout partners, card issuers and card networks) to process funding, transfers, and card transactions;
· professional advisers (lawyers, auditors) where necessary for professional services;
· regulators and law enforcement where we are required or authorized to do so by law;
· buyers or successors in a corporate transaction (e.g., merger or sale), subject to appropriate confidentiality and use limitations.
We do not sell personal information as a standalone commercial activity. If we ever introduce a data-sharing practice that materially changes how we handle personal information, we will update this Privacy Policy and provide notice as required.
Cross-border disclosures and overseas recipients
Our Services may involve disclosure of personal information to overseas recipients (for example, where our affiliates, vendors, or infrastructure are located outside Australia, or where transfers involve overseas payout partners).
Countries: [INSERT LIST OF COUNTRIES IF PRACTICABLE]. If it is not practicable to list all countries, we will describe regions or provide a link to a regularly updated list: [INSERT LINK OR REFERENCE].
When we disclose personal information overseas, we take steps designed to ensure appropriate handling and protection (for example, contractual obligations and security controls), consistent with applicable requirements.
Sensitive information and biometrics
We only collect sensitive information where: - it is reasonably necessary for our functions and activities; and - we have your consent or are otherwise permitted by law.
If we collect biometric information for identity verification or security, we will: - explain why it is required (or optional, if applicable); - use it only for verification/security/compliance purposes (unless we obtain consent for additional uses); and - restrict access and apply enhanced security controls.
Cookies and similar technologies
We use cookies and similar technologies (e.g., pixels, SDKs, local storage) to: - operate and secure our web properties; - remember preferences; - analyse usage and improve features; and - support marketing and campaign measurement (where enabled).
You can also manage cookies through browser settings, but disabling cookies may impair some functionality.
Direct marketing
We may use your personal information to send direct marketing communications about our products, services, promotions, and updates (for example, via email, SMS, in-app notifications, or targeted online advertising), where permitted.
You can opt out at any time by: - using the unsubscribe mechanism in the message; - updating preferences in your account (if available); or - contacting us using the details below.
If you opt out, we will honour your request, but we may still send you non-marketing messages (e.g., transactional or security notices).
How we hold and secure personal information
We take reasonable steps designed to protect personal information from misuse, interference and loss, and from unauthorized access, modification, or disclosure. These steps may include: - encryption in transit and at rest (where appropriate); - access controls, logging, and monitoring; - segregation of duties and least-privilege access; - security testing, incident response procedures, and vendor risk management.
No method of transmission or storage is completely secure. You should also take steps to protect your account (e.g., strong passwords, device security).
Retention and destruction/de-identification
We retain personal information only for as long as needed to: - provide the Services; - meet legal, regulatory, and compliance obligations (including record-keeping obligations that may apply to financial service providers); and - resolve disputes and enforce our agreements.
When personal information is no longer needed and we are not required to retain it, we will take steps to destroy it or de-identify it, where lawful and reasonable.
Retention schedule: 5 years
Access and correction
You may request access to personal information we hold about you and request correction of inaccurate, out-of-date, incomplete, irrelevant, or misleading information.
To make a request: - contact us at: privacy@pesa.co; and - provide sufficient information for us to verify your identity and locate the relevant information.
We may refuse access or correction in limited circumstances permitted by law. If we refuse, we will provide written reasons (where required) and explain available complaint options.
Complaints
If you believe we have mishandled your personal information or breached applicable privacy requirements, you can make a complaint by contacting our Privacy Officer:
Privacy Officer contact:
Email: privacy@pesa.co
Post: 162 Macquire Street, Hobart, TAS, 7000
What to include: your name, contact details, relevant account identifiers (if any), what happened, when it happened, and what outcome you are seeking.
Our process:
We will acknowledge receipt and investigate. Target timeframe: 5 days
If you are not satisfied with our response, you may complain to the Australian privacy regulator (OAIC).
Notifiable data breaches
If a data breach occurs that is likely to result in serious harm, we will comply with any applicable notification requirements to affected individuals and regulators.
Updates to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our practices, products, or legal requirements. We will post the updated policy on our website and update the “Last updated” date. If changes are material, we will provide additional notice where appropriate.
Contact us
Privacy enquiries: privacy@pesa.co
Support enquiries: support@pesa.co
Postal address: 162 Macquire Street, Hobart, TAS, 7000
Terms and conditions
Effective date: 01/03/2026
These Terms and Conditions (Australia) (“Terms”) govern the use of the Pesa services by customers in Australia.
Parties and acceptance
Who we are: These Terms are between you and Pesapeer Pty Ltd] , trading as Pesa (“Pesa”, “we”, “us”, “our”).
By accessing or using our website, mobile application, or related services (together, the “Services”), you agree to these Terms and any documents incorporated by reference (including our Privacy Policy (Australia), and any card-specific terms or fee schedules we provide).
If you do not agree, you must not use the Services.
Definitions
· Account means your Pesa account registered to you.
· Wallet means your multi-currency stored value wallet within the Services.
· Transfer means an instruction you give us to transfer funds to a recipient.
· Recipient means the person or entity you nominate to receive a Transfer.
· Card means any physical or virtual prepaid/debit card offered in connection with your Wallet (if available).
· Fees Schedule means any schedule of fees (if any) we publish in-app or on our website.
· Australian Consumer Law (ACL) means the consumer protection law in Schedule 2 of the Competition and Consumer Act 2010 (Cth).
Eligibility
To use the Services, you must: - be at least 18 years old (or the age of majority in your jurisdiction);
- have the legal capacity to enter into these Terms; and
- meet our onboarding and verification requirements (including identity verification).
You confirm that information you provide is accurate, complete, and up to date.
Account registration and verification
You must create an Account and complete required verification steps. We may request: - identity documents (e.g., passport or driver’s licence) and a selfie/liveness check;
- proof of address;
- source of funds / source of wealth information; and
- business information if you register on behalf of an organisation.
We may refuse, suspend, or close an Account where we reasonably believe: - information is false or misleading;
- an Account is used for fraud, illegal activity, or prohibited use; or
- we must do so to comply with law, regulatory obligations, or risk controls.
Your responsibilities and security
You are responsible for: - maintaining confidentiality of login credentials;
- promptly notifying us if you believe your Account is compromised;
- ensuring Recipient information is correct; and
- using the Services lawfully and in accordance with these Terms.
You must not share access to your Account or enable others to use your Account unless we expressly permit this.
Services overview
Subject to eligibility and jurisdictional availability, Services may include:
Wallet services - You can load funds into your Wallet, hold balances in supported currencies, and use those balances for Transfers or Card spending (if available).
- Not a bank account: Your Wallet is not a bank deposit account. Funds do not earn interest, and do not necessarily receive deposit insurance protections that apply to bank deposits.
Transfers - You can instruct us to send funds to a Recipient using available payout methods.
- Transfer availability depends on currency, destination, compliance checks, partner capabilities, and local rules in destination jurisdictions.
- Transfer times are estimates only unless we expressly guarantee timing for a specific product.
Fees, pricing, and exchange rates
Fees and pricing (if any) will be disclosed to you before you confirm a Transfer or other transaction, including: - any service fee;
- any currency conversion rate and spread; and
- any third-party fees we know will be charged (e.g., partner payout fees), where disclosed.
Exchange rates may fluctuate. The rate for a transaction (if applicable) is typically locked at confirmation.
Funding your Wallet and payments
You may fund your Wallet using supported payment methods such as: - bank transfer;
- PayID; or
- other methods we enable from time to time.
You must only use funding sources you are authorized to use. We may reverse or hold transactions where we reasonably suspect fraud, unauthorized activity, or compliance concerns.
Cancellations, reversals, and refunds
Transfers - Once a Transfer is submitted and processing begins, cancellation may not be possible.
- If you believe a Transfer was made in error, contact support immediately: support@pesa.co or through the in-App chat provided in the Pesa app.
- If a Transfer cannot be completed and funds are returned to us, we will credit the returned amount to your Wallet (minus non-recoverable costs if applicable and disclosed).
Service issues - If we make an error (for example, incorrect fees charged due to a system issue), we may correct the error and/or refund relevant amounts as required by law.
Prohibited use and compliance
You must not use the Services for: - fraud, money laundering, terrorism financing, or proceeds of crime;
- sanctions violations;
- unlawful gambling where prohibited;
- impersonation or unauthorized access;
- abuse of the platform (including attempts to bypass limits or exploit vulnerabilities).
We may monitor and investigate activity for risk and compliance purposes, and may report suspicious matters to relevant authorities as required.
Third-party services and links
Our Services may integrate or link to third-party services. We do not control third-party systems and are not responsible for their availability, security, or content, except where required by law.
Intellectual property
We own (or license) all intellectual property in our Services. You may use the Services only as permitted under these Terms. You must not copy, modify, reverse engineer, or exploit our Services except where allowed by law.
Australian Consumer Law consumer guarantees
Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you may have under the ACL or other applicable laws that cannot be excluded.
If you acquire Services as a “consumer” under the ACL, you may be entitled to statutory guarantees including that services will be provided with due care and skill and be fit for purpose (where applicable).
If we provide a warranty against defects for goods and/or services, we will provide required ACL warranty wording in the warranty document and/or at the point of supply.
Disclaimers
To the maximum extent permitted by law, and subject to non-excludable consumer guarantees: - Services are provided on an “as is” and “as available” basis;
- we do not guarantee uninterrupted availability of the Services; and
- we are not responsible for losses caused by factors outside our reasonable control (e.g., partner outages, network failure, regulatory actions, force majeure).
Limitation of liability
To the maximum extent permitted by law (and subject to non-excludable ACL rights): - we are not liable for indirect, incidental, special, consequential, or punitive damages;
- our liability for direct loss may be limited to the amount of fees paid to us for the relevant transaction and/or the value of the specific transaction, unless law requires otherwise.
This clause does not limit liability where it cannot be limited under the ACL or other mandatory laws.
Indemnity
To the maximum extent permitted by law, you indemnify us and our officers, employees, and contractors for losses arising from your breach of these Terms, your misuse of the Services, or your unlawful conduct, except to the extent caused by our negligence or breach of law.
Suspension and termination
You may close your Account at any time, subject to: - settlement of pending transactions; and
- compliance holds and legal restrictions.
We may suspend or terminate your Account where we reasonably believe it is necessary for security, compliance, legal requirements, or breach of these Terms.
On termination, we will handle remaining funds in your Wallet in accordance with law and these Terms (including returning funds to a linked account where feasible, subject to holds required by law).
Complaints and dispute resolution
Internal resolution first Contact customer support first so we can try to resolve the issue quickly:
- Email: support@pesa.co
- In-app support: Intercom channel in-app
Privacy complaints Privacy complaints are handled under our Privacy Policy (Australia), including escalation options to the OAIC.
Class action / representative proceeding clause
To the extent permitted by law, you agree that disputes will be brought in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
Note: Some restrictions may not be enforceable in Australia (including under unfair contract terms protections), and this clause must be reviewed by Australian counsel before use.
Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will provide notice via the website, app, or email prior to the changes taking effect, where reasonable. Continued use after the effective date constitutes acceptance.
Governing law
You agree that the Australian Law will govern these Website terms and the Website and products and services provided via the Website. Any dispute arising out of the Website will be subject to the exclusive jurisdiction and venue of the federal and state courts within Australia.
Contact
Support: support@pesa.co
Business contact: info@pesa.co
Postal address: 162 Macquire Street, Hobart, TAS, 7000
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Pesapeer Pty Ltd is also registered and regularised in Australia by the Australian Transaction Reports and Analysis Centre as an Independent Remittance Dealer Rn: IND100859468-001
