‌Privacy Policy

1. Overview

(1) All capitalised words have the same definition as in our Terms of Use unless otherwise stated.

(2) Cheapbills ABN: 66 168 166 667 (us, we or our) website located at www.cheapbills.com.au (the Website). We provide services for utility comparison, Electricity, gas, broadband, health insurance and finance & mortgage.

(3) We adhere to provisions laid out in the Privacy Act 1988 (Cth) (Privacy Act). Cheapbills takes privacy of personal information seriously. Personal information is information or opinions that can be used to reasonably identify an individual.

(4) We will handle personal information that we collect or obtain in connection with the provision of our Website Services and your interactions with us in relation to the Website in accordance with this Privacy Statement (Privacy Statement or Statement).

(5) This Statement also contains information about how you may access and seek correction of your personal information held by us, and how to make complaints about any privacy-related concerns.

(6) If we change this Statement, we will display notice of changes on our Website or otherwise notify you in writing.

(7) If you provide a pseudonym to us or wish to remain anonymous, in the course of accessing our Services, we may not be able to provide you with the full extent of our Website Services and your use of the Website may be limited.

Permissions

Our website requests certain permissions to provide you with the services we offer. These permissions include:

1. Personal Information: We may collect personal information, including your name, email address, physical address, phone number, and bank account details (through third-party payment processors). This information is necessary for the operation of our Platform.
2. Third-Party Services: We may collect personal information from third-party social networking services such as Facebook, Events, partnerships and Google when you register a user account by linking to your other account on these third-party services.
3. Cookies and Analytics: We use cookies and analytics to collect non-personal information about visitor traffic to our website. This helps us improve the operation of our Platform and ensure data security, authentication, and fraud detection.

3. Collection of Personal Information

We may collect personal information such as:

• Name, address, and contact details (phone number, email)
• Date of birth
• Identification documents (e.g., driver’s license, passport)
• Banking or financial details (for service provisioning or home loans)
• Utility and service provider details
• Transaction and usage history
• IP address and browser/device data
• Voice recordings (if you call our customer support)
• Preferences and interaction data from website or app usage

4. Purpose of Collection

We collect and use your information for purposes including but not limited to:

• Comparing/connecting utility providers and switching services on your behalf
• Responding to your inquiries or providing customer support
• Providing personalized offers and promotions
• Sending transactional and marketing communications
• Verifying your identity
• Processing home loan applications and conducting necessary due diligence
• Improving our website, services, and customer experience
• Legal compliance and internal record-keeping

5. Communication

By providing your contact information, you consent to receiving communications via phone, SMS, email, social media, or other digital channels. These may include service updates, promotional content, surveys, or reminders.

You can opt out of marketing communications at any time using the unsubscribe link or by contacting our Privacy Officer.

6. Optimization and Enhancement

We may analyze your usage patterns and preferences to:

• Personalize your user experience
• Enhance the functionality of our website or mobile app
• Improve service delivery, efficiency, and customer engagement
• Conduct analytics, A/B testing, and UX research

7. Marketing and Advertising

We use personal data to deliver targeted marketing and advertisements, both on our website and through third-party platforms (e.g., Google, Facebook). This may include profiling or automated decision-making to provide content relevant to your interests.

We may also use your data for re-targeting or lookalike advertising campaigns, subject to applicable laws.

8. Keeping Your Personal Information Secure

We implement appropriate technical and organizational measures to protect your data, including:

• Data encryption (in transit and at rest)
• Access controls and authentication mechanisms
• Firewalls and secure servers
• Staff training and confidentiality agreements

Despite these measures, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute data security.

9. Disclosure of Personal Information to Overseas Recipients

We may store or process your data on servers located outside Australia (e.g., in the US, Europe, or Asia), where our service providers or partners operate. We ensure these third parties handle your data in compliance with Australian privacy laws through contracts or other legally acceptable mechanisms.

10. Participating Suppliers

When you engage our Utility comparison or Connect services, we may share your information with:

• Energy, broadband, insurance, and telco service providers
• Financial institutions and lenders (e.g., for home loans)
• Third-party verifiers for identity, credit, or document checks

These entities may contact you to complete the service or offer support. We ensure all suppliers comply with privacy obligations.

11. Third-Party Affiliates and Service Providers

We may share your personal information with external vendors or partners that help us:

• Provide web hosting, cloud storage, or CRM systems
• Manage marketing and advertising campaigns
• Perform analytics and reporting
• Conduct customer surveys or feedback collection
• Process payments or offer live chat functionality

These service providers are contractually bound to handle your data with confidentiality and security.

12. Co-Branding

If you access CheapBills through a co-branded site or partner promotion, we may share your data with that partner. You should review the partner’s privacy policy, as both parties may process your data.

13. Legal Requirements

We may disclose your information when required to do so by law, regulation, subpoena, court order, or legal process. We may also disclose data to law enforcement or regulators if we suspect fraudulent activity or threats to health, safety, or national security.

14. Change of Ownership

In the event of a business transition—such as a merger, acquisition, reorganisation, or sale of assets—your personal information may be transferred as part of that transaction. You will be notified of any such changes and the continuation of data protection obligations.

15. Interactive Platforms

If you interact with features such as:

• Public forums & Events
• Customer reviews
• Chat rooms or social media comment sections

Please be aware that any information shared is public and can be read, collected, or used by others. Exercise caution when disclosing personal details in such environments.

16. Data Deletion or Unsubscribe from Marketing Communications

You may:

• Unsubscribe from emails or SMS via links provided in communications
• Request deletion of your personal information from our systems by contacting us directly
• Withdraw consent to certain data uses, where applicable

Please note, deletion may impact your ability to use some services. We may retain certain information if required by law or for legitimate business purposes (e.g., billing, dispute resolution).

17. Home Loans – Verification of Identity

If you apply for a home loan or related financial services through CheapBills, we may collect sensitive information to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. This includes:

• Scanned identity documents
• Address verification
• Employment or income details

Your information is used solely for verification and compliance and is stored securely.

18. Privacy Complaints

(1) You have the right to request:

• (i) That we delete, stop processing, or cease collecting your personal information; or
• (ii) Access to or modification of the personal information that we collect.

(2) If you:

• have any questions about this Statement
• wish to request access to any personal information that we hold
• wish to correct or update your personal information that we hold
• submit a request in relation to the deletion of your personal information
• wish to make a complaint or discuss any other privacy concerns you may have

please contact us by email at: privacy@cheapbills.com.au

(3) If you have a complaint or a privacy-related concern, please give us the opportunity to resolve matters by contacting us first by email. Once we have received a complaint, we will try to work with you to resolve the matter.

(4) For further information on privacy, you may wish to visit the website of the Office of Australian Information Commissioner (OAIC): https://www.oaic.gov.au

19. Updates to This Privacy Policy

We may amend our Privacy policy from time to time to reflect changes in law or our practices. The latest version will always be available on our website with the effective date noted above.

Contact Us

For any privacy-related inquiries, please contact:

Privacy Officer
CheapBills Pty Ltd
Email: privacy@cheapbills.com.au
Phone: 1300 786 045
Postal Address: L2, 134 Flinders Street Melbourne 3000