Privacy Policy - New Zealand

Updated 16 July 2026

Sky Pay Group Pty Ltd (ACN 621 979 431) trading as Paylater Travel of Suite 501, 50 Holt Street, Surry Hills, New South Wales, Australia is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information. We have adopted the Information Privacy Principles ("IPPs") contained in the Privacy Act 2020 (the "Privacy Act"). The IPPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information. A copy of the IPPs may be obtained from https://www.privacy.org.nz/privacy-principles/. This policy (together with our Terms & Conditions and any other documents referred to on it) sets out the basis on which any Personal Information we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your Personal Information and how we will treat it. By using PayLater Travel ("our Website/Site") you are accepting and consenting to the practices described in this policy.

1. Personal Information

1. Personal Information means any information about an identifiable individual.

2. Purposes

1. We may collect Personal Information including your name, age, gender, username, e-mail address contact details, residential address, date of birth, geographic location, passport information, credit card information, details of products or services you have purchased, payment details as well as details of your interactions with us.
2. We may collect, use, disclose, store and/or process information, including your Personal Information for the following purposes:
   1. To provide you with our products and services and/or access to the Website.
   2. To communicate with you regarding your bookings, including sending you booking confirmations, changes in bookings, availability of services, and force majeure circumstances.
   3. To respond to your queries, feedback, claims or disputes, whether directly or through our outsourced customer service agents.
   4. Credit or other payment card verification/screening; and payment information for accounting, billing and audit purposes and to detect or prevent any fraudulent activities.
   5. To confirm your identity and verify your personal and payment details with third parties for fraud prevention and detection purposes.
   6. To administer your account (if any) with us.
   7. To verify and carry out financial transactions in relation to payments you make online.
   8. To improve the layout or content of the pages of the Website and customise them for users.
   9. To carry out research on our users’ demographics and behaviour.
   10. To provide you with information we think you may find useful or which you have requested from us, including information about our or third party sellers’ products and services, provided you have indicated that you have consented to being contacted for these purposes.
   11. Where you provide a review of our services (for example on Trustpilot), to display your review on the Website, which may include your name, username, profile or any other details that you have posted as part of your review.
   12. To process any complaints, feedback, enforcement action and take-down requests in relation to any content you have uploaded to the Website.
   13. To derive further attributes relating to you based on Personal Information provided by you (whether to us or third parties), in order to provide you with more targeted services and/or advertising.
   14. Administrative or legal purposes: we use your information for statistical and marketing analysis, systems testing, customer surveys, maintenance and development, or in order to deal with a dispute or claim. We may perform data profiling based on the information we collect from you for statistical and marketing analysis purposes, but only with your prior consent, and otherwise in compliance with applicable law.
   15. Security, administrative, crime prevention/detection: we may pass your information to government authorities or enforcement bodies for compliance with legal requirements.
   16. Customer service communications: we use your information to manage our relationship with you as our customer and to improve our services and enhance your experience with us.
   17. Provide tailored services: we use your information to provide information we believe is of interest to you, prior to, during, and after your interactions with us, and to personalise the services we offer to you, such as special offers.
3. Information we collect about you. With regard to each of your visits to our Site we may automatically collect the following information:
   1. Technical information, including the Internet protocol ("IP") address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.
   2. Information about your visit, including the full Uniform Resource Locators ("URL") clickstream to, through and from our Site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
4. Information we receive from other sources. We may receive information about you if you use any of the other Websites we operate or the other services we provide. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
5. We will ordinarily provide you with an explanation as to why we are collecting your Personal Information at the time that we collect it. Sometimes, we are required by law to collect your Personal Information, for example, to comply with our legislative or legal obligations. While there may be some circumstances where it will be possible for you to interact with us on an anonymous basis or using an alias, these are rare and we will generally need to know who you are in order to comply with our legal obligations and to assist you.
6. We will only process your Personal Information where we have a legal basis to do so, which will depend on the reasons for which we have collected and need to use your Personal Information.
7. In most cases, we will need to process your Personal Information so that we can enter into our contract and fulfil the provision or delivery of products or services to you.
8. We will not retain your information for longer than is required for the purposes for which the information may be lawfully used. To determine the appropriate retention period, we consider the amount, nature and sensitivity of the Personal Information, the purposes for which we process it, and whether we can achieve those purposes through other means.
9. Collection of Personal Information from third parties. Where we collect Personal Information about you from someone other than you directly (for example, from the third parties and other sources described above), we will take reasonable steps to ensure that you are made aware, as soon as reasonably practicable, of the matters required under Information Privacy Principle 3A of the Privacy Act, including: that the information has been collected; the name and address of the agency that collected it and the agency that holds it; the purpose for which it was collected; the intended recipients of the information; whether the collection is authorised or required by law (and if so, which law); and the fact that you may access and request correction of that information. We do not need to take those steps where an exception under the Privacy Act applies, including where you are already aware of those matters, where notifying you is not reasonably practicable, or where the information is used in a form that does not identify you or is used for statistical or research purposes.

3. Disclosure

1. We do not disclose Personal Information to third parties unless we are permitted or required to do so by law, or if you have given us your consent to do so.
2. We may share your Personal Information with the following third parties for the purposes described in this privacy policy:
   1. Government authorities, law enforcement bodies and regulators for compliance with legal requirements.
   2. Other companies, contractors or agents to provide services to you including delivery, marketing, or marketing platform providers, communications, legal services, debt collection, administration services, customer services, information technology providers, credit card or other payment methods to conduct transactions.
   3. Credit and debit card companies which facilitate your payments to us, and for anti-fraud screening, which may need information about your method of payment to process payment or ensure the security of your payment transaction. Before entering your personal details we suggest that you read and become familiar with the privacy policy for any such third-party provider.
   4. Legal and other professional advisers, law courts and law enforcement bodies in countries in which we operate, in order to enforce our legal rights in relation to our contract with you.
3. We store your Personal Information in Australia. Where we disclose your Personal Information to third parties, those third parties may store, transfer or access Personal Information outside of Australia, including but not limited to, USA, UK, Canada and Philippines. We will only disclose your Personal Information overseas in accordance with the Privacy Act.

4. Cookies

1. The Website uses cookies to help keep track of items you put into your shopping cart including when you have abandoned your cart and this information is used to determine when to send cart reminder messages via SMS.
2. We may collect information from other sources which may not always be obvious, such as through the use of "cookies". We may also gather information from both online and offline data providers. This information could include internet browsing behaviour, demographic information or interest-based information.
3. Cookies are a small text file placed on your computer by our Website provider. We use cookies when you visit our Website so we can improve your user experience. To opt-out of cookies, you can alter the settings on your internet browser to accept or reject a Website from using cookies. This may affect the functionality of the Website. Some third parties may use cookies and other technologies. We recommend that you read their privacy policies or policies relating to the use of cookies and technology.

5. Choice OR opt-out

1. We give you the choice regarding the collection and usage of your Personal Information. Again, you don't need to register to access and use our Site. You may, therefore, choose to opt-out of providing such information.
2. Further, once you are registered at the Site, you will have the option at any stage to inform us that you no longer wish to receive future e-mails and you may "unsubscribe" by contacting on support@paylatertravel.com.

6. Third-Party Links

1. Our Website may contain links to external websites. Please be aware that we are not responsible for the privacy practices of such other sites. When you go to other websites from here, we advise you to be aware and read their privacy policy.

7. Text Marketing

1. By ticking the "opt-in" box to text marketing when entering your phone number in the checkout and initialising a purchase of our products or services (or otherwise providing consent), you agree that we may send you text notifications (for your order, including, without limitation, abandoned cart reminders) and text marketing offers (collectively, "Text Marketing"). We will not exceed two (2) Text Marketing messages per month. You can unsubscribe from further Text Marketing by replying STOP to PAYLATER.
2. We will only use information you provide through the Site to transmit the Text Marketing and respond to you, if necessary. This includes, but is not limited to, sharing information with platform providers, phone companies, and other vendors who assist us in the delivery of Text Marketing. EXCEPT AS SET OUT IN THIS POLICY, WE DO NOT SELL, RENT, LOAN, TRADE, LEASE, OR OTHERWISE TRANSFER FOR PROFIT ANY PHONE NUMBERS OR CUSTOMER INFORMATION COLLECTED THROUGH THE SITE TO ANY THIRD PARTY. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property.

8. Unsolicited Electronic Messages Act 2007

1. Legislation in New Zealand prohibits the sending of unsolicited commercial electronic messages. We will comply with New Zealand law in this regard.

9. Access and Correction of Information

1. You may request access to Personal Information about you that we hold and you may ask us to correct your Personal Information if you find that it is not accurate, up-to-date, relevant, complete, or is misleading. You may also make a complaint about our handling of your Personal Information.
2. You will not have to pay a fee to access your Personal Information (or to exercise any of the other rights). However, we may charge a reasonable fee for access to your Personal Information, where permitted by applicable laws.
3. To protect your privacy and the privacy of others, we may need evidence of your identity before we can grant you access to information about you or change it.

10. Contact Us

1. If you have any concerns regarding your privacy, wish to make an access or correction request, or discuss this policy, please contact us at support@paylatertravel.com.
2. We will endeavour to respond to all privacy queries, corrections and complaints promptly. Sometimes this may mean we will need to assess and investigate your request. If you are not satisfied with how we handle your privacy complaint, you may also make a complaint to the Office of the Privacy Commissioner (www.privacy.org.nz).
3. We may update this Privacy Policy from time to time to take into account changes in our practices for the handling of Personal Information. We do so by publishing amended Privacy Policies on our Website. You should regularly review the most recent version available online. You can contact us if you have difficulties accessing our policy.