Privacy Policy

This web site is owned and operated by Chillur Pty Ltd (ABN 38 625 309 417) and will be referred to as “We”, “our” and “us” in this Privacy Policy.

We are bound by the provisions of the privacy laws in the State of New South Wales, Australia and the National Privacy Principles. These laws govern the way in which we may collect, use and disclose personal information about any individual (you). This Privacy Policy sets out the manner in which we comply with our obligations under these laws.

Collection, use and disclosure
  1. We collect personal information from customers for identity verification purposes under anti-money laundering and fraud prevention laws.
  2. We only use and disclose personal information collected in this manner insofar as necessary in order to integrate with identity verification and related services, or as otherwise required by law.
  3. There are also a number of limited circumstances in which we may collect personal information directly from you. This is limited to circumstances where you make direct contact with us by telephone or in writing, or via our website at We will only use personal information collected in this manner for the purpose of communicating with you or otherwise in accordance with the purpose for which you provided your personal information.
The personal information we collect
  1. The type of personal information which we might collect from customers includes your name, current and previous addresses, date of birth, telephone number, driver licence number, passport number and any other information which may be relevant for the purpose of verifying your identity.
  2. We require our third party providers and corporate customers to comply with all relevant privacy and data protection laws (including, where necessary, obtaining the appropriate express or implied consent from you at the time your personal information is collected) in order for such information to be lawfully used for identity verification and related purposes.
  3. We do not collect, use or disclose any sensitive information about any person. This includes a person’s racial or ethnic origin, political opinion, political association, religious belief or affiliation, philosophical belief, professional or trade union or association, sexual preference, criminal record or health information.
  4. We do not use or adopt as our own identifier any individual identifier assigned by any other organisation.
Bank account and credit card details
  1. Payment details, including bank account linking details and debit card linking details, are processed and stored on third party websites, applications and portals including but not limited to Basiq and Zai.
  1. We take all reasonable steps to ensure that any personal information that we collect and use is accurate, complete and up-to-date.
Access and correction
  1. You have a right to access your personal information, subject to some exceptions allowed by law. If you wish to access your personal information, you should contact us via We reserve the right to charge a fee for searching for and providing access to your information.
  1. Where we determine, acting reasonably, that personal information held in respect of an individual is no longer needed for our functions or the services we provide, we will permanently destroy or de-identify that information.
  1. We take all reasonable steps (including the employment of appropriate security systems and procedures) to ensure all data held by us is safe and secure. Such security measures include physical protection and electronic encryption to prevent any unauthorised access.
  1. We collect anonymised data, through the use of “cookies”. Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. We may use cookies to recognise you as a customer and user of Independent Reserve’s Service, to customise our services and advertising, and to collect information in order to alleviate the risk of fraud and illegal conduct.
  2. We may also utilise cookies to assist in delivering targeted advertising campaigns at certain times through third party sites. Personally identifiable information is not captured by the cookies used for advertising.
Amendments to the policy

We may from time to time vary this Privacy Policy. Please check our website regularly for an up-to-date version of our Privacy Policy.