Privacy policy

Karizma Exchange is a registered trading name of UNIVERSE LEADER TRADING PTY LTD, ABN 35 657 807 004. We are committed to protecting our customers' privacy and personal information.

This policy explains how we collect, use, store and disclose your personal information.

The information we collect depends on the services you request and applicable legal requirements.

This may include your full name, date of birth, contact details and residential address; identification documents and other information needed to verify your identity; currency exchange and transfer requests; payment and transaction details; and information about the source or destination of funds, where required. We may also collect correspondence, records of your communications with us and technical information such as your IP address, browser type and website usage.

We usually collect information directly from you through website forms, telephone calls, email, messaging services, documents supplied when requesting services and in-person communications.

We may use your personal information to respond to enquiries; provide currency exchange and international transfer services; verify your identity and customer information; and process, follow up and record transactions.

We may also use it to prevent fraud and misuse, meet legal and regulatory requirements, improve our services and website, handle complaints and disputes, and send essential service notices.

We send marketing messages only where permitted and in accordance with your choices. These messages include an option to unsubscribe.

Where necessary, we may share personal information with banks and payment service providers; technology, hosting and data storage providers; professional advisers, including accountants and lawyers; and other parties involved in a transaction. We may also disclose information to legal, regulatory or enforcement bodies where required by law.

We disclose information only to the extent necessary to provide our services, complete a transaction or meet legal obligations.

Our website may use cookies and similar technologies to function correctly, remember settings, analyse traffic and improve your browsing experience.

You can restrict or delete cookies in your browser settings. Disabling some cookies may affect how parts of the website work.

We use reasonable technical and administrative measures to protect personal information from unauthorised access, use, alteration, disclosure or loss.

No method of transmitting or storing information online is entirely risk-free, so we cannot guarantee absolute security.

We retain personal information for as long as necessary to provide services, meet legal obligations, resolve disputes or maintain required records.

After the required retention period, we delete, destroy or de-identify the information in accordance with legal requirements.

You may ask to access your personal information or request a correction if it is inaccurate, incomplete or out of date.

To protect your information, we may need to verify your identity before handling the request. The law may prevent access to some information in certain circumstances. If this applies, we will explain the reason.

If you have a question or concern about how we handle your personal information, please contact us first. We will review your complaint and aim to provide an appropriate response within a reasonable time.

If you are not satisfied with the outcome, you may be able to raise the matter with the Office of the Australian Information Commissioner (OAIC).

We will investigate security incidents involving personal information. Where required by law, we will notify affected individuals and the relevant authorities.

Our services are not designed for independent use by people under 18. We process their information only where appropriate consent or legal authority exists.

Our website may link to third-party websites or services. We are not responsible for their privacy policies or practices. Please review the privacy policy of each service separately.

We may update this policy to reflect changes to our services, technology or laws. The updated version will appear on this page with its last updated date.