aglow Privacy Policy

Hey there! 👋

We know your privacy matters, and we take it seriously. This policy explains exactly how we handle your personal information at aglow (that's us - Payleadr PTY Ltd ACN 615 881 162).

By using aglow or sharing your information with us, you're agreeing to the practices we've outlined here. We'll always be transparent about what we do with your data.

Quick heads up: We might update this policy occasionally to keep it current. When we do, we'll post the changes on our website, so check back from time to time.

What information are we talking about?

Personal information is anything that identifies you - like your name, email, or phone number. Pretty straightforward.

Credit information relates to any credit applications you make with us. This might include your ID details, payment history, or information about any payment arrangements.

What we collect (and why we need it)

Here's what we might gather:

Your identity stuff

• Name, date of birth, gender
  
• ID documents (like your driver's licence or passport details)

How to reach you

• Address, email, phone numbers

Payment details

• Credit card or bank account info (kept super secure, promise)

Credit-related information

• What type of credit you're after, payment info, any defaults or changed payment arrangements

Your interactions with us

• Details about how you use aglow and communicate with our team

Where this info comes from:

We collect information when you:

• Visit our website
• Chat with us (phone, email, or through other platforms)
• Sign up for aglow
• Use the aglow platform
• Connect other software with aglow
• Set up direct debit payments

Sometimes we also get information from:

• Credit reporting agencies
• Identity verification services
• Your bank or financial institution

Why we need your information

We use your info to:

Keep things running smoothly:

• Provide and manage our services
• Process your applications
• Verify who you are
• Send important updates and notifications

Help your business grow:

• Share relevant product updates and tips
• Send marketing messages (you can opt out anytime!)

Keep everyone safe:

• Monitor for suspicious activity
• Comply with legal requirements
• Enforce our terms and conditions
• Resolve any disputes

If you don't share the information we need, we might not be able to provide all our services to you - but we'll always tell you what's essential and what's optional.

Marketing messages (and how to stop them)

We'll send you updates about aglow and tips for growing your beauty business. These might come via email, SMS, or mail - but always in line with anti-spam laws.

Not interested? No worries! You can opt out anytime by:

• Clicking the unsubscribe link in any email
• Contacting our Privacy Officer (details below)
• Replying STOP to SMS messages

If you do not provide us with the personal or credit information we request, we may not be able to provide you with the services you have requested.

Who we share information with

We only share your information when necessary to run our business and provide great service:

• Service providers (like our cloud hosting partners)
• Financial institutions involved in processing payments
• Other parties in your payment plans (like your beauty business members)
• Integrated software providers you've connected
• Debt collection agencies (only if absolutely necessary)
• Professional advisors (lawyers, accountants)
• Anyone you've specifically authorised
• Government agencies when legally required

About our partners

We sometimes share aggregated or anonymised data with partners to improve our services. If we need to share personal information for marketing purposes, we'll let you know - and you can always opt out by contacting our Privacy Officer.

International data transfers

We use Snowflake (a secure cloud platform based in the USA) to help manage data. They're super secure and follow strict privacy standards. Check them out at snowflake.com if you're curious.

Website stuff and cookies 🍪

When you use our website, we collect some basic info about your visit - like which pages you look at and when. Nothing creepy, just helps us improve your experience.

About cookies: These are tiny files that help us remember your preferences and make the website work better. You can disable them in your browser if you want, though some features might not work as smoothly.

How we protect your information

We take security seriously with multiple layers of protection:

✅ Staff training on data security

✅ Firewalls and virus protection

✅ Strict confidentiality requirements

✅ Physical building security

✅ Secure data disposal when no longer needed

While we do everything we can to protect your information, no system is 100% bulletproof - but we're constantly working to keep your data as safe as possible.

Links to other websites

Our site might link to other websites. Once you leave our site, their privacy policies apply - not ours. We recommend checking their policies before sharing any information.

Accessing and correcting your information

Want to see what information we have about you? Need something updated? Just reach out to our Privacy Officer. We'll help you access or correct your information as quickly as possible.

Sometimes we might not be able to provide everything or make certain changes (legal reasons, usually). If that happens, we'll explain why in writing.