Privacy Policy

1. Who we are

Snapcash is operated by Snap Cash Pty Ltd (ABN 38 680 105 917, ACN 680 105 917), based in Melbourne, Victoria, Australia ("Snapcash", "we", "us", "our"). This Privacy Policy explains how we handle personal information collected through the Snapcash mobile app, website (snapcash.com.au), and related services (together, the "Service").

We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By using the Service you consent to the practices described in this policy.

2. Personal information we collect

• Account details: name, email address, mobile number, date of birth and password or OTP credentials.
• Identity and payout details: your PayID (mobile number or email) and related payout information used to send you cashback.
• Receipt and transaction data: photos of receipts you upload, purchase amounts, merchant names and timestamps extracted by our receipt scanner.
• Content: photos, videos and captions you submit for campaign verification, and your public Instagram handle and posts that tag participating shops or @snapcash.
• Campaign activity: verification status, wallet ledger entries, cashback amounts and cashout history.
• Device and usage data: device model, operating system, app version, IP address, crash logs and how you interact with the Service.
• Approximate location: where enabled, to surface nearby participating shops and verify eligible visits.
• Communications: messages you send to our support team and survey or waitlist responses.

3. How we collect it

We collect information directly from you when you register, upload a receipt, submit a post for verification, link your PayID or contact us. We also collect information automatically through the app and website (device, usage and cookie data), and from third parties such as Instagram (public posts and collaboration status, where you participate) and payment infrastructure providers involved in processing your cashouts.

4. Why we collect and use it

• To create and manage your account and authenticate you.
• To verify campaign requirements: matching your receipt to a participating shop and confirming your tagged collaboration post is live.
• To calculate, hold and pay cashback rewards to your PayID.
• To operate the wallet ledger, prevent double-spending, fraud and abuse of campaigns.
• To show you nearby shops, available campaigns and personalised offers.
• To run analytics, improve the Service and keep it secure.
• To send service messages (verification results, payout notices, security alerts) and, with your consent, marketing communications.
• To comply with legal obligations, including anti-fraud, tax and record-keeping requirements.

5. Who we share it with

We do not sell your personal information to third parties.

• Participating businesses: limited verification information (for example, that a visit and post occurred and the reward outcome), not your full receipt history or payout details.
• Service providers: cloud hosting, OCR/receipt scanning, analytics, error monitoring and customer support tools that process data on our behalf under contract.
• Payment infrastructure: the New Payments Platform (NPP) and PayID network operated by NPP Australia Limited, and our banking partners, to send cashback to your PayID.
• Professional advisers: lawyers, accountants and auditors where reasonably required.
• Regulators and law enforcement: where required or authorised by Australian law.

6. Overseas disclosure

Some service providers store or process data outside Australia (for example, in the United States or the European Union). Where we disclose personal information overseas, we take reasonable steps to ensure recipients handle it consistently with the APPs, including contractual protections.

7. Data security and retention

We use encryption in transit, access controls and audit logging to protect personal information. Receipt images and ledger records are retained while your account is active and afterwards for the period required by Australian tax, corporations and anti-fraud laws (generally up to 7 years for financial records), after which they are deleted or de-identified.

No system is perfectly secure. If a data breach occurs that is likely to cause serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) in line with the Notifiable Data Breaches scheme.

8. Access, correction and deletion

You may request access to, or correction of, the personal information we hold about you by emailing team@snapcash.com.au. You can update most account details directly in the app. You may also request deletion of your account; we will delete or de-identify your information except where we are required by law to retain it (for example, wallet ledger and payout records).

9. Cookies and analytics

Our website uses cookies and similar technologies for essential functionality, performance measurement and to understand how visitors use the site. You can control cookies through your browser settings; disabling them may affect site functionality.

10. Children

The Service is not directed to anyone under 16. We do not knowingly collect personal information from children under 16. If you believe a child has provided us personal information, contact us and we will delete it.

11. Complaints

If you believe we have breached the APPs, contact us at team@snapcash.com.au and we will investigate and respond within 30 days. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

12. Changes and contact

We may update this policy from time to time. The current version will always be available in the app and on our website, and material changes will be notified through the Service.

Privacy Officer, Snap Cash Pty Ltd (ABN 38 680 105 917, ACN 680 105 917), Melbourne VIC, Australia, team@snapcash.com.au.