Konkrd takes the protection of your personal information very seriously. This Privacy Policy explains how we collect, use and disclose your personal information, and how you can access or correct it.
In this Privacy Policy, “our”, “we” or “us” means Konkrd Pty Ltd (ABN 88 683 257 927) – the owner and operator of the Konkrd Platform.
We are bound by the Australian Privacy Principles (“APP” ) in the Privacy Act 1988 (Cth) (“Privacy Act” ) and any relevant state or territory legislation. Please read this Privacy Policy carefully, and contact us if you have any questions or concerns.
This Privacy Policy applies to any individual who accesses or uses the Konkrd website, mobile site, and mobile application and digital wallet (collectively “Platform” ). By using and accessing the Platform, you agree to be bound by our Privacy Policy as amended from time to time. We encourage you to regularly check our Privacy Policy for updates.
This Privacy Policy does not apply to our employees (about whom we hold separate employment records). It applies to personal information we handle in providing comparison, referral, and product storage services to the public.
Where our Platform contains links to third-party websites, these sites are not governed by this Privacy Policy. We are not responsible for their operation and their privacy practices, so we recommend that you read their privacy policies.
We access, collect, and hold your personal information to provide you with a personalised, insightful and rewarding experience.
“Personal information” when used in this Privacy Policy has the meaning given to it in the Privacy Act but it generally means any information that can be used to personally identify you. When you use our Platform, the type of personal information we may collect includes:
We collect your personal information in various ways to provide our services to you, but will always do so through lawful and fair means. This may include, collecting your information:
We always aim to keep your data secure. We do this by:
Where legally and practically possible, you may interact with our Platform anonymously or using a pseudonym.
However, if you want to generate quotes, purchase products, or store documents, we must collect your verified details. Without accurate information we cannot:
we must collect and verify your true personal details (e.g. name, date of birth, address, contact information and, in some cases, government‑issued identifiers). Without this accurate information we cannot:
If you choose not to provide the required information, we’ll still explain your options, but you may be unable to access some services or features on our Platform.
We retain personal information only as long as necessary to fulfil the purposes for which it was collected or to comply with legal obligations. If you stop using our Platform, you can request that we delete or de-identify your data (subject to legal retention requirements). See more on your data choices in clause 6.
We collect, hold, use and disclose your personal information through lawful and fair means, so we can perform our business activities. In particular, we need your information for the following primary purposes:
Provide Services
Support and Communication
Legal and Regulatory Compliance
Internal Improvement
We may also collect, store, use and disclose your personal information for any purpose relating to the above purposes that could be reasonably anticipated at the time your information was collected, including:
We may also use personal information to meet our internal and external audit requirements, information security purposes, and as we otherwise believe to be necessary or appropriate to comply with applicable laws, regulations, government directions, and otherwise in order to protect our rights, privacy, safety, property, or those of other persons.
Our Platform is not intended for individuals under the age of 18. We do not intentionally collect personal information from children. If you are the parent or guardian and believe your child has provided us with personal information, please contact us.
We take reasonable steps to ensure that personal information is only accessible by people who have a genuine “need to know” as well as “right to know”. Use and disclosure of your information will only be made in accordance with APP 6.
If we disclose your personal information, it will only be for the primary purpose for which it was collected or for a related secondary purpose where you would reasonably expect us disclose the information. We may disclose personal information, and you consent to us disclosing your personal information, to our employees, affiliates, partners, contractors, service providers, payment system operators, sponsors, and any government and regulatory body. You can find more info on the nature of these disclosures below.
If you decide to purchase or apply for a product through our Platform, we share your necessary information with the provider to finalise the transaction.
Some providers let you complete your purchase on their own platform. In this case, the provider may share back relevant details with us.
We rely on trusted partners for hosting, payment processing, IT support, and marketing.
These partners are contractually required to protect your personal information and use it only for the tasks we’ve engaged them to do.
If required by law or court order, we may disclose your personal information to regulators, law enforcement, or legal advisors.
Some of our service providers operate internationally (including in cloud environments). If your data needs to be processed overseas, we take reasonable measures to ensure your privacy rights remain protected, but you acknowledge that these entities may not be bound by the same level of laws or regulations as the Privacy Act.
We employ a mix of on-device and cloud-based services to power our Platform. Wherever feasible, we take reasonable steps to store the data in systems located in Australia or in jurisdictions with comparable privacy standards.
We do not send your personal data to overseas data centres unless it’s unavoidable for secure processing or backup. Where overseas transfers do occur, we take reasonable steps to ensure the recipient is bound by robust data protection measures.
We destroy or permanently de-identify personal information which is no longer needed in accordance with the APP 11, unless we are otherwise required or authorised by law to retain the information for a period of time.
While we try our best to ensure your personal information is protected from loss, misuse, unauthorised access, modification or disclosure (via measures such as firewalls, data encryption, virus detection methods, and password restricted access), we cannot guarantee the absolute security of your personal information (it’s the Internet after all!). In the event of a data breach, we will attend to the reporting requirements that apply to us. We cannot accept responsibility for the misuse, loss or unauthorised access to, your personal information where the security of information is not within our control.
If you reside in Australia, in the event that there is a data breach and we are required to comply with the NDBS of the Privacy Act, we will take all reasonable steps to contain the suspected or known breach where possible and follow the process set out in this clause.
If we have reasonable grounds to suspect that the data breach is likely to result in serious harm to any individuals involved, then we will take all reasonable steps to ensure an assessment is completed within 30 days of the breach or sooner if possible. We will follow the guide published by the Office of the Australian Information Commissioner (if any) in making this assessment. If we reasonably determine that the data breach is not likely to result in serious harm to any individuals involved or any remedial action we take is successful in making serious harm no longer likely, then no notification or statement will be made.
We may use your details to inform you about new or related products and services we think you’ll find useful, or other marketing material. This might be via phone, email, SMS, or push notifications in accordance with applicable marketing laws.
We only send you marketing material if you’ve agreed to it, if you prefer not to receive marketing messages, you can unsubscribe at any time using the link in our emails or by contacting us directly. We’ll respect your preference straight away.
You can request access to the personal information we hold about you or contact us to update at your personal information at any time. Simply update your privacy settings on the Platform or contact us. We’ll respond within a reasonable period (typically 30 days), and we’ll explain any fees (such as processing or administrative fees) or requirements upfront. We may, if in accordance with applicable laws, refuse to provide you with access to your personal information if, for instance, granting you such access would have a negative impact on the privacy of another person.
We take reasonable steps to ensure that the personal information we collect, use, store and disclose is accurate, complete, relevant and up-to-date, but the accuracy of your information depends to a large extent on the information you provide. If you spot errors or your details change, let us know. We’ll do our best to update our records promptly. We may request documentation or proof to ensure accuracy.
We may use cookies, web beacons and local storage, and similar tools on our Platform to collect and store personal and non-personal information and improve your browsing experience, tailor our services and recommendations from our agents, and gather anonymous usage statistics.
A “cookie” is a small text file that is downloaded to your device (computer, tablet, smartphone) when you visit certain websites. Cookies help website operators recognise your device, store user preferences, and gather data to make site functionality more efficient and personalised. In addition to traditional cookies, the term “cookies” can include:
Cookies and similar technologies are harmless to your device. They help us personalise your experience on our Site, track web traffic patterns, and enhance security.
You can adjust your browser settings to block cookies, but this may affect the functionality of some features on our site. By using our Platform, you agree to the use of these tracking technologies.
When you use our Platform, our servers record information including information that your browser automatically sends whenever you visit a website, or that your mobile app automatically sends when you’re using it (“Log Data”). This Log Data includes device identifiers, device type, geo-location information, connection information, statistics on page views, traffic to and from our platform, mobile network information, time, date, referring URL, the type of operating system and browser, ad data, IP address, server address, date and time of your visit to AEAS, information of documents you download, pages visited, search terms, cookie information, and standard web log data.
The Log Data may be processed for the purposes of operating our platform, providing our services, ensuring our security, maintaining back-ups of our databases and communicating with you.
Third-party analytics tools collect non-personal information such as how often you visit our platform, the web pages you visit, add-ons, and other analytics data that assists us in improving our services. These tools might include Google Analytics, Google AdWords conversion tracking, Google Tag Manager, or Facebook Ads conversion tracking. Third-party cookies may be placed on your computer by a service provider to us, for example, to help us understand how our platform is being used. Third-party cookies may also be placed on your device by our business partners to advertise the service to you elsewhere on the Internet. We reserve our rights to modify, add or remove any third-party analytics tools. By using our Platform, you consent to the processing of any non-personal data these tools will collect in the way and for the purposes described above.
All of our rights and obligations under our Privacy Policy are freely assignable by us to any of our affiliates, in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.
If you believe there’s been a breach of your privacy or you have any concerns about how we handle your information, please contact our Privacy Officer (details below).
We aim to investigate and provide a written response within 30 days, and where relevant in accordance with PHIIA standards.
If we need more information, we’ll let you know promptly.
If you’re unhappy with our response, you can escalate your complaint to the Office of the Australian Information Commissioner (OAIC).
Phone: 1300 363 992
Website: www.oaic.gov.au
If you have questions or complaints about this Privacy Policy, want to request a copy of it, need to update or access your personal information, or notify us of possible breaches of your privacy, you can reach our Privacy Officer at:
Privacy Officer
Konkrd Pty Ltd
7/14 Concord Crescent, Carrum Downs VIC 3201
Email: [email protected]
Phone: 1800 566 573
If you have questions or complaints about this Privacy Policy, want to request a copy of it, need to update or access your personal information, or notify us of possible breaches of your privacy, you can reach our Privacy Officer at:
Privacy Officer
Konkrd Pty Ltd
7/14 Concord Crescent, Carrum Downs VIC 3201
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Phone: 1800 566573
We may update this Privacy Policy from time to time. The current version will be posted on our website. It is your responsibility to review our Privacy Policy regularly and make sure you are up to date with any changes. If you continue to use our Platform after the changes are in effect, you agree to the new Privacy Policy. For any significant changes, we aim to ensure these are clearly communicated, or get your prior consent, as required by law.
We are committed to safeguarding your privacy and continually improving our processes to ensure your data is secure and handled responsibly at all times. If you have any questions, please don’t hesitate to get in touch.
© 2026 KONKRD. ALL RIGHTS RESERVED.
