Privacy Policy


Privacy Policy


September 2026

This Privacy Policy explains how Northstar Operations Pty Ltd (ABN 71 695 703 069), trading as PlatformPay (“PlatformPay”, “we”, “our” or “us”), collects, uses, stores and discloses your personal information when providing payment administration services.

PlatformPay provides technology and payment administration services that enable participating merchants to offer customers instalment payment arrangements using direct debit and other approved payment methods.

PlatformPay establishes and administers payment arrangements on behalf of participating merchants, including processing payments, maintaining payment schedules, and communicating with you regarding those payment arrangements.

PlatformPay is not the supplier of the goods or services purchased by you. The participating Merchant remains responsible for the goods or services supplied, including any warranties, guarantees, returns, refunds or other obligations relating to those goods or services.

PlatformPay does not currently provide regulated consumer credit or lending products.

By using our website or services, you acknowledge that your personal information will be handled in accordance with this Privacy Policy.

  1. Introduction
    PlatformPay is committed to protecting your privacy and handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

  2. What information we collect
    Depending on the services we provide, we may collect personal information including:
    • Personal details: full name, date of birth, gender, residential address, email address, phone number
    • Identity information: Where required to verify your identity or comply with legal obligations; driver’s licence, passport, or other government-issued ID details
    • Payment Information: To establish and administer payment arrangements we may collect: Bank account details, debit card or credit card details, payment method preferences, direct debit authorities, payment schedule information
    • Transaction Information: We may collect information relating to: Purchases made from participating merchants, Payment arrangement details, Instalment schedules, Payment history, Failed or dishonoured payments, Customer enquiries regarding payments
    • Merchant Information: Where relevant we may receive information from participating merchants regarding: Goods or services purchased, Purchase amounts, Payment arrangement details, Customer communications relating to the payment arrangement
    • Digital information: When you use our website we may collect: IP address, device identifiers, browser type, operating system, cookies, website usage information

  3. How we collect information
    We may collect your personal information:
    • Directly from you when you use our services, or contact us
    • From merchants or partners who provide services to you
    • From third parties such as identity verification providers, fraud-prevention services, payment service providers and public registers
    • Through our website, apps, and digital platforms using cookies and similar technologies
    If you do not provide requested personal information, we may be unable to provide certain products or services or complete identity verification.

  4. Why we collect and use your information
    We may use your personal information to:
    • Establish payment arrangements
    • Administer payment arrangements on behalf of participating merchants, including maintaining payment schedules, processing payment variations where authorised, communicating with you regarding your payment arrangement, and providing payment administration services to participating merchants
    • Process direct debit and card payments
    • Manage your account, payments, and communications with us
    • Monitor, detect, and prevent fraud and other unlawful activity
    • Manage overdue accounts, including debt collection activities
    • Improve our services, customer experience, and website functionality
    • Market our products and services to you (unless you opt out)
    • Conduct internal risk monitoring, platform analytics, service development, and product performance analysis
    By using our services, you consent to us collecting, using and disclosing your personal information as described in this Privacy Policy.

  5. Who we share your information with
    We may disclose your personal information to:
    • Merchants and service providers who help deliver our product
    • Regulatory, government, and law enforcement agencies as required by law
    • Third-party providers of IT, payment processing, data storage, analytics, and communications services
    • Professional advisers such as auditors, lawyers, and consultants
    • Third-party debt collection agencies, collections software providers or other service providers engaged to assist participating merchants or PlatformPay in managing overdue payment arrangements, where permitted by law
    • Other entities within our corporate group
    • Payment processors, payment scheme providers, and banking partners who enable us to process card payments, direct debits, or other payment methods
    • Identity verification, fraud prevention and document verification providers where required to confirm your identity or help prevent fraud
    • Business Transfers if PlatformPay undergoes a merger, acquisition, sale or business restructure, your information may be transferred as part of that transaction, subject to applicable privacy laws
    We will never sell your personal information to third parties for their own marketing purposes.

  6. Overseas disclosure
    Some of our third-party service providers, including cloud infrastructure providers, payment processing providers, analytics providers, and technology partners, may store or process information outside Australia. Where this occurs, we take reasonable steps to ensure your information is protected in line with the APPs.

  7. Direct marketing
    We may send you marketing communications, where permitted by law or where you have consented, about our products and services. You can opt out at any time by following the unsubscribe instructions in our communications or by contacting us.

  8. Cookies and website analytics
    Our website and digital platforms may use cookies, pixels, and similar technologies to collect information about how you interact with our services. These technologies help us:
    • Recognise your device
    • Improve website functionality and performance
    • Analyse usage patterns
    • Personalise content and marketing
    You may adjust your browser settings to refuse cookies, although some features of our services may not function properly if cookies are disabled.

  9. Security and storage
    We use a combination of technical, physical, and administrative safeguards to protect your information against loss, misuse, and unauthorised access. We retain your personal information only for as long as necessary to provide our services and comply with legal obligations.
    Where personal information is no longer required, we will take reasonable steps to securely destroy or de-identify it unless we are required to retain it by law.

  10. Access and correction
    You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate or incomplete.

  11. Complaints
    If you have a privacy complaint, please contact us:
    Privacy Officer PlatformPay Email: support@platformpay.com.au Phone: [Insert Phone Number]
    We will acknowledge your complaint within 7 days and aim to resolve it within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au | 1300 363 992

  12. Updates to this policy
    We may update this Privacy Policy from time to time. The latest version will always be available on our website.