One Ecosystem.
Three Digital Cards for Every Goal.

1. Australian Privacy Principles (APPs) ZuxPay Pty Ltd is firmly committed to protecting your personal data. We comply strictly with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy outlines how we collect, handle, and safeguard your data.

2. Collection of Information To open a ZuxPay account or issue a digital card, we are legally required to collect specific identity verification details (KYC/AML), such as your Australian passport, driver's licence, and residential address. We also collect financial history, Open Banking (CDR) data where authorized, and device telemetry to prevent fraudulent transactions and accurately assess creditworthiness.

3. Credit Reporting Bodies (CRBs) If you apply for the ZuxPay Credit Card, we may exchange information with recognized Australian credit reporting agencies (such as Equifax or Experian). This includes verifying identity, performing credit checks, and reporting your repayment history. Defaults or missed payments may be recorded on your credit file under Part IIIA of the Privacy Act.

4. Data Storage, Security & Use Your financial and personal data is hosted onshore in Tier-3 Australian data centers using AES-256 encryption. We enforce PCI DSS Level 1 compliance for all cardholder data. ZuxPay does not, under any circumstances, sell your personal data to third-party marketers or data brokers.

5. Third-Party Sharing We share necessary data strictly with our ADI (Authorized Deposit-taking Institution) partners to issue cards, payment networks (Visa) to process transactions, and government authorities (such as AUSTRAC or ASIC) as required by federal law.

6. Access and Correction You have the right to request access to the personal information we hold about you or request corrections if it is inaccurate. You can initiate this request directly through the Web Banking portal or by contacting our Privacy Officer.

1. Account Eligibility & KYC To hold any ZuxPay Digital Card or Credit Account, you must be at least 18 years of age, a permanent resident or citizen of Australia, and hold a valid email address and local mobile number. All applicants must successfully pass identity verification (KYC). ZuxPay reserves the right to decline applications based on internal credit criteria and risk assessments.

2. Card Usage & Liability ZuxPay cards are primarily issued instantly in a digital format for use with Apple Pay, Google Pay, and online checkouts. You are entirely responsible for keeping your Web Banking credentials, PINs, and OTPs secure. ZuxPay is not liable for authorized transactions made from a compromised device if you failed to secure your login details.

3. Interest-Free Offers & Repayments The "up to 180 days interest-free" promotion applies exclusively to qualifying purchases made on the ZuxPay Credit Card. Minimum monthly repayments are strictly required. If the balance is not paid in full by the end of the specified promotional window, standard variable purchase rates (e.g., 19.99% p.a.) will apply retroactively to the remaining balance.

4. Fees, Charges & Limits Account maintenance fees, late payment fees ($15 AUD per missed cycle), and foreign transaction fees (for the Debit card) may apply depending on your account tier. The maximum credit limit issued is $10,000 AUD, subject to individual affordability. All fees are transparently disclosed in your specific Product Disclosure Statement (PDS).

5. Account Default & Suspension ZuxPay may suspend, freeze, or permanently close your account without prior notice if you default on minimum payments, breach these Terms and Conditions, or if the system detects suspected fraudulent, illegal, or money-laundering activity.

6. Target Market Determinations (DDO) In compliance with ASIC Design and Distribution Obligations (DDO), ZuxPay actively maintains Target Market Determinations (TMD) for each financial product. Consumers should review the relevant TMD to ensure the card features align with their financial situation and needs before applying.