Privacy Policy
The short version. We collect the information we need to run YourDosh and help you recover the money you're owed — your account and business details, what you do on the platform, and the debtor details you enter so we can generate documents. We don't sell your data. We only share it with the providers that make the service work (payments, email, SMS, AI, hosting). The full detail is below.
1.About this policy
This Privacy Policy explains how Ryanchow Pty Ltd (ABN 99 100 901 488), trading as "YourDosh", a Beeswax business ("we", "us", "our"), handles personal information. We're committed to protecting your privacy and we handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
"Personal information" means information or an opinion about an identified individual, or one who is reasonably identifiable. By using YourDosh, you agree to this policy.
2.Whose information we handle
This policy covers two groups of people:
- Our customers — the business owners and their staff who register for and use YourDosh.
- Debtors — the individuals (and people connected with debtor businesses) whose details a customer enters into the platform so that YourDosh can generate and send recovery documents. There's a section just for debtors below.
3.What we collect
From you, our customer
- Account & identity: your name, email address, password (stored encrypted), and the business you act for.
- Business details: business name, entity type, ABN/ACN, address and state.
- Payment information: processed by our payment provider. We receive confirmation of payment and limited details (such as the last few digits and card type) — we don't store your full card number.
- Communications: messages you send us, support requests, and questions you ask the in-app AI assistant.
- Usage & technical data: log data, IP address, device and browser information, and how you interact with the platform.
About debtors (entered by you)
- Debtor names and contact details (email, phone, postal address).
- Business identifiers such as ABN/ACN where relevant.
- Details of the debt — invoices, amounts, dates, your account of what happened — and any documents or correspondence you upload as evidence.
4.How & why we use it
We collect and use personal information to:
- create and manage your account and provide the YourDosh service;
- generate letters, demands, court forms and other documents for your matters, and send them on your instruction;
- assess risk, recommend a recovery path, and answer your questions through our AI features;
- process payments and keep records for tax and accounting;
- provide support, send service-related messages, and improve and secure the platform; and
- meet our legal obligations.
We collect personal information directly from you wherever we can, and from your use of the platform. We'll only use it for the purposes above, or a related purpose you'd reasonably expect, or where you've consented, or where the law requires or permits it. We don't sell personal information, and we don't use it for unrelated marketing without your consent.
5.Debtor information you enter
When you enter a debtor's details, you are the one deciding to collect and use that information to recover your debt. We host and process it on your behalf so the platform can do its job.
As the person directing that collection, you're responsible for entering only information you're entitled to hold and use for recovering the debt, and for handling it in line with your own privacy obligations. We use debtor information only to operate the service for you — for example, to populate a letter of demand or a claim form, deliver it, and track the response. We don't use debtor details for our own marketing.
6.Who we share it with
We share personal information only as needed to run the service, and only the minimum required. Our key service providers are:
- Stripe — payment processing.
- Postmark — sending and receiving email (including the demand letters and reminders you send, and debtor replies).
- Twilio — sending SMS messages where you use that feature.
- Google (Gemini) — the AI model that helps draft text, assess risk and answer questions. Content needed to perform the request is sent to the model to generate a response.
- Cloud hosting & storage — our infrastructure and file-storage providers, which host the application and store your documents and uploads.
We may also disclose personal information where the law requires or authorises it (for example, to a court, tribunal or regulator), to enforce our terms, or to a buyer if our business is sold (under appropriate confidentiality protections). We require our providers to protect personal information and to use it only to provide their service to us.
7.Overseas disclosure
We host data in Australia where we can, but some of our providers (such as payment, email, SMS and AI services) may store or process information overseas, including in the United States. Where personal information is disclosed overseas, we take reasonable steps to ensure it's handled consistently with the Australian Privacy Principles.
8.How we keep it safe
We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These include encryption in transit, encrypted passwords, access controls, and reputable hosting providers. No system is perfectly secure, but if a data breach likely to cause serious harm occurs, we'll respond in line with the Notifiable Data Breaches scheme.
9.How long we keep it
We keep personal information for as long as needed to provide the service and to meet our legal, tax and record-keeping obligations. Because debt-recovery matters can lead to court action with long limitation periods, you may wish to retain case records accordingly. When information is no longer needed, we take reasonable steps to delete or de-identify it.
10.Access & correction
You can access and update most of your account information directly in the app. You may also ask us for a copy of the personal information we hold about you, or ask us to correct it, by emailing [email protected]. We'll respond within a reasonable time. In limited cases the law allows us to decline a request — if so, we'll tell you why.
11.If you're a debtor
If you've received a letter, demand or message generated through YourDosh, the business pursuing the debt (the creditor) is the one that decided to collect and use your information — they are your first point of contact, and the contact details will be on the correspondence you received. We provide the software they used.
You can still contact us at [email protected] with a privacy question, and we'll help where we can, including by passing a request on to the relevant creditor. For your rights and obligations about the debt itself, see the FAQ or speak to a financial counsellor (the free National Debt Helpline is on 1800 007 007).
13.Complaints
If you think we've mishandled your personal information, please tell us first at [email protected] so we can try to put it right. If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.
14.Changes
We may update this policy from time to time. The "last updated" date at the top shows the current version, and we'll take reasonable steps to let you know about material changes.
15.Contact
For any privacy question or request, email us at [email protected].
Ryanchow Pty Ltd · ABN 99 100 901 488 · trading as YourDosh, a Beeswax business.
Your data, your debt, your call.
Straight-talking debt recovery for Aussie small business.