• Contact information, for example your name, postal address, e-mail address, telephone number, and date of birth, gender, citizenship, occupation, marital status, and identification numbers;
• Transaction information, including your money transfers and bill payments
• Technical information, including the host from which you access the Internet, your IP address or device advertising ID, geolocation if enabled, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, social profile and network information, the date and time you access our websites and the address of the site from which you linked to our website when you visit us. We collect personal information on your online activities as described in the section titled “INTERNET TECHNOLOGIES.
• Compliance information, including fraud prevention, identity verification, and sanction checks.
• To conduct a money transfer, or use other payment services, you must provide certain information required by Bakaal to execute the transfer and to enable us to comply with our legal obligations associated with transferring money. Failure to provide some of your personal information may affect our ability to provide our Services to you. This may include information about the form of identification used to send or receive a transaction (where required by law) including the identification or a copy of the identification document, transaction activity, bank account and payment information.

• Contact information, for example your name, postal address, e-mail address, telephone number, and date of birth, gender, citizenship, occupation, marital status, and identification numbers;
• Through transaction forms and your interactions with Bakaal Agents and partners
• Through online forms, registrations for loyalty and rewards programs or competitions, and other online Services we offer (some of which may be managed by third parties on behalf of Bakaal)
• While providing customer support or consultation, including using email, postal mail, call centers or live chat
• Through the process of maintaining and upgrading our Services
• Through our mobile applications
• Through your interest in Bakaal advertisements placed on third party sites
• In addition to the personal information we collect from you, we may also collect your personal information from the person to whom you send and/or receive money, as well as our Agents, service providers, business partners, identity verification companies, payments and fraud risk management companies, law enforcement bodies, and commercial and public data sources.

Bakaal’s Website may be linked to or from third party websites. Bakaal has not reviewed, does not control, and is not responsible for the content or privacy practices employed by websites that are linked to or from our website. Bakaal does not assume responsibility for any of these sites, their content, or their privacy policies. Bakaal does not endorse third party websites or make any warranties about any information, software or other products or materials you may find there, or any results that may be obtained from using them.

We transfer your information to parties in countries outside Australia, including but not limited as permitted or required by applicable law, regulatory authorities, law enforcement and government agencies. Additionally, when you send or receive money to or from another country, we will also be required to share some of your personal information with that country as required or permitted by law. We transfer certain personal information about you to our data centers located outside Australia or within a region as required by local law and process it to fulfil our legal and compliance obligations which apply to our Services. By using Bakaal’s Services, you acknowledge that such transfers of information outside Australia may occur.

Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes it was collected, or to resolve any query you may raise. We will typically keep your information for no longer than the purpose(s) for which it was obtained, unless we have a legal obligation to keep it for a longer period or retention is advisable for Bakaal’s legal position (for example, regarding applicable statutes of limitations, litigation or regulatory investigations).

You have the right to know if we are processing your personal information and to ask us for a copy of your information free of charge. You have the right to request a structured and machine-readable copy of certain information you have provided to us. We may charge you a reasonable fee for providing the information, or not act upon your request, if the request is manifestly unfounded or excessive. You have the right to stop us from sending you marketing communications. You have the right to ask us to correct information about you that is incomplete, inaccurate or out-of-date. You have the right to ask us to erase certain information about you, to restrict certain uses of information relating to you, and also to object to certain uses of it. To the extent we are processing personal information based on your consent, you may withdraw your consent as permitted by applicable law. Registered users may also visit bakaal.com.au and edit Profile settings. You also have the right to lodge a complaint with a relevant data protection regulator or supervisory authority about our processing of personal information. When we receive a request, we may ask for additional information from you to verify your identity. In some situations, we may refuse to act or may impose limitations on your rights, as permitted by applicable law. To exercise these rights, please Bakaal through the section titled “CONTACTING US”. We will endeavor to respond to your request within 30 days but may be entitled to extend this period in certain circumstances. We will comply with your request to the extent required by applicable law.

If you have a question or complaint about how we handle your personal information, we ask that you put your inquiry in writing. We will investigate your inquiry and generally respond to you in writing within 30 days of receipt. You can also contact our us at legal@bakaal.com.au.

Bakaal reserves the right to modify this Privacy Statement. Updated privacy statements will be posted on this Website when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement.