Privacy

Here’s how we securely collect, manage and disclose your personal information

Collection and use of private information by Wildcard

Wildcard respects and protects the privacy of our users. This section describes how we securely collect, manage and disclose your personal information.

We collect personal information that you voluntarily provide to us via the Wildcard Website, the Wildcard App, and correspondence by email and social media so that we can provide you with the Wildcard Account and Card.

Examples of personal information we collect include: names, addresses, email addresses, and phone numbers.

We may use cookies to help us personalise or improve your user experience when you access our website. This may involve collecting information about your general location and usage (like your device, browser, duration of visit and referring domain) depending on what permissions you grant us.

When we collect personal information we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.

We collect and store your personal information for the primary purpose of creating and managing your Wildcard account. As part of this process, we use this information to verify your identity so that we can comply with Anti-Money Laundering and Counter Terrorism Financing laws. We may also use your personal information to communicate with you and in circumstances where you would reasonably expect such use or disclosure.

We aim to keep marketing to a minimum. However we may use your personal information for marketing purposes, for example to promote major product updates. You may unsubscribe from our mailing list at any time by contacting us via email.

Your Personal Information may be disclosed in a number of circumstances including:

  • to facilitate the issue and distribution of the card;
  • to third parties for identification verification;
  • to third parties for the provision of the card;
  • to third parties where you consent to the use or disclosure;
  • to prevent or investigate any fraud or crime (or a suspected fraud or crime);
  • satisfy identification requirements under the Anti-Money Laundering & Counter-Terrorism Financing Act 2006 (Cth) and the Rules and other subordinate instruments under that Act and such information may be exchanged with verification agencies (which may be overseas); and
  • where required or authorised by law. Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law and when necessary:
  • for completing a transaction; or
  • in order to verify the existence and condition of the Card; or
  • if you give us permission; or
  • if you owe us money; or
  • if there are legal proceedings or a complaint in connection with the Card; or
  • to protect against potential fraud and other crimes.Your personal information is stored in a manner that protects it from misuse and loss and from unauthorised access, modification or disclosure.

When your personal information is no longer required for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information.

We take reasonable steps to ensure that your information is accurate, complete and up-to-date. If you believe your information is inaccurate or has recently been changed, please inform us as soon as practical.

By applying for and using the Card, you consent to us collecting, using and disclosing your personal information under these terms and conditions in the manner described above.

If you have any queries or complaints about our Privacy Policy or wish to access or update your personal information, please contact us at:

Collection and use of private information by EML

You have already agreed to the terms of the Wildcard privacy policy when opening your Wildcard Account and, by accepting these Terms, you also agree to the terms of the EML privacy policy (see below for information on where to find these policies).

We collect your Personal Information along with information regarding your Device (such as device type and model, operating systems and security information) so that we can establish and administer the Card provided to you. We will only use your Personal Information to:

  • to ensure that the Card properly functions with your Device
  • to assist in arrangements with other organisations in relation to the provision of a product or service;
  • to perform administrative and operational tasks (including systems development and testing);
  • to prevent or investigate any fraud or crime (or a suspected fraud or crime);
  • satisfy identification requirements under the *Anti-Money Laundering & Counter-Terrorism Financing Act 2006*(Cth) and the Rules and other subordinate instruments under that Act and such information may be exchanged with verification agencies (which may be overseas).

We may also exchange information with Pays Providers:

  • to enable the use of the Card with the Device Wallet and to improve and promote the Pays Providers generally; and
  • to detect and address suspected security breaches or fraud. Without your information, we cannot make the Card available to you. If you do not wish to provide the necessary information to us, and you should not apply for the product.

If you provide us with Personal Information about someone else, you should ensure that you are authorised to do so and agree to inform that person of the contents of this notice.

Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law and when necessary:

  • for completing a transaction; or
  • in order to verify the existence and condition of a Card; or
  • to utilise services of affiliates who assist in providing a Card; or
  • if you give us permission; or
  • if you owe us money; or
  • if there are legal proceedings or a complaint in connection with the Card; or
  • to protect against potential fraud and other crimes. We will not disclosure your personal information outside Australia.

By applying for and using the Card, you consent to us collecting, using and disclosing your personal information under these terms and conditions in the manner described above.

Our privacy policy sets out how you can access and correct information we hold about you, how you can complain about a breach by us of your privacy rights and how your complaint will be handled. Our privacy policy is available at https://www.emlpayments.com/privacy. You may contact EML’s Privacy Officer in relation to your Personal Information on 1300 739 889.

The Privacy Policies of the Pays Providers are available at