Privacy Policy

1. Introduction

This document sets out the privacy policy of Zellio Pty Ltd (ABN 68 698 679 908) (referred to in this privacy policy as "we", "us", or "our").

We take our privacy obligations seriously and we have created this privacy policy to explain how we store, maintain, use and disclose personal information under Australian privacy law.

We are committed to preventing serious invasions of privacy and ensuring the protection of your personal information, so you can contact us using the details below if you have any questions or concerns.

By providing personal information to us, you consent to our storage, maintenance, use and disclosing of personal information in accordance with this privacy policy.

We may change this privacy policy from time to time by posting an updated copy on our website and we encourage you to check our website regularly to ensure that you are aware of our most current privacy policy.

As at the date of this privacy policy, our bill comparison partner is Econnex Comparison ABN 72 620 395 726 (Bill Comparison Partner). Our Bill Comparison Partner's privacy policy is located at www.econnex.com.au/privacy-policy. We may update or change our Bill Comparison Partner or add new Bill Comparison Partners from time to time by updating this privacy policy and such change will apply from the date of that update.

2. Types of personal information we collect

The personal information we collect may include the following:

• name;
• mailing or street address;
• email address;
• telephone number and other contact details;
• whether you are 18 years old or older;
• your device identity and type, IP address, geolocation information, page view statistics, advertising data and standard web log information;
• whether you have switched utility plans with, or accepted an offer from, our Bill Comparison Partner via our website or services;
• information about third parties; and
• any other information provided by you to us via our website or our online presence, or otherwise required by us or provided by you.

By providing any third party information to us, you acknowledge and agree that you have obtained their express consent to provide such information to us.

3. How we collect personal information

We may collect personal information either directly from you, or from third parties, including where you:

• contact us through our website;
• receive goods or services from us;
• submit any of our online forms;
• switch utility plans or accept an offer with our Bill Comparison Partner;
• communicate with us via email, telephone, SMS, social applications (such as LinkedIn or Facebook) or otherwise;
• interact with our website, social applications, services, content and advertising; and
• invest in our business or enquire as to a potential purchase in our business.

We may also collect personal information from you when you use or access our website or our social media pages. This may be done through use of web analytics tools, "cookies" or other similar tracking technologies that allow us to track and analyse your website usage. Cookies are small files that store information on your computer, mobile phone or other device and enable and allow the creator of the cookie to identify when you visit different websites. If you do not wish information to be stored as a cookie, you can disable cookies in your web browser.

4. Use of your personal information

We collect and use personal information for the following purposes:

• to refer you to our Bill Comparison Partner;
• to provide goods, services, rewards cards or information to you;
• for record keeping and administrative purposes;
• to provide information about you to our contractors, employees, consultants, agents or other third parties for the purpose of providing goods or services to you;
• to improve and optimise our service offering and customer experience;
• to comply with our legal obligations, resolve disputes or enforce our agreements with third parties;
• for analytics purposes;
• to send you administrative messages, reminders, notices, updates, security alerts, and other information requested by you; and
• to consider an application of employment from you.

We do not use personal information in automated systems to make decisions that significantly affect an individual's rights.

5. Who we may disclose to

5.1 Our directors, officers and employees

Your personal information may be disclosed to and accessible by our directors, officers and employees for the purposes set out in paragraph 4.

5.2 Service providers

We disclose personal information to service providers who help us run our business, including Railway (our infrastructure and database hosting provider, located in the United States), Postmark (our email delivery provider, located in the United States), Cloudflare (our website hosting and content delivery provider), our professional advisors including accountants and lawyers, and our IT contractors. We disclose it to them only so they can provide those services to us, and our agreements with them require them to protect it and to use it only for that purpose. We may also disclose personal information where we are required or authorised to do so by law.

5.3 Bill Comparison Partner

When you ask us to refer you to our Bill Comparison Partner, we disclose your first name, last name, email address and mobile number to our Bill Comparison Partner. We do not disclose any other information about you to our Bill Comparison Partner.

Our Bill Comparison Partner uses this information to compare the offers available to you, to contact you about those offers, and to arrange your switch if you decide to proceed.

We ask for your consent before we send anything, at the point you elect to explore offers. If you do not consent, we do not disclose your information to our Bill Comparison Partner.

Our Bill Comparison Partner pays us a commission if you switch utility plans or accept an offer through them. Our Bill Comparison Partner is the only comparison service we refer to, so the offers you are shown are the offers that our Bill Comparison Partner deals with, not every offer available in the market.

Our Bill Comparison Partner handles your information under its own privacy policy, as provided above. Once we have referred you, our Bill Comparison Partner is responsible for how it handles your information. Our agreement with our Bill Comparison Partner requires it to use the information only to compare offers for you and to arrange your switch, and not to disclose it to anyone else except as necessary for those purposes.

You can ask us to stop referring you and to delete your details from our systems by contacting us via our contact details in paragraph 12. We cannot recall information we have already sent to our Bill Comparison Partner. To ask our Bill Comparison Partner to delete your information, please contact our Bill Comparison Partner directly.

5.4 Parties required by or reasonably necessary to comply with law or government request

We may disclose your personal information to parties, such as government authorities, legal or regulatory authorities, where we are required to comply with laws, regulations, legal processes or government requests or otherwise where reasonably necessary for us to comply with law or government requests.

5.5 Other parties

We may disclose personal information in connection with a sale, transfer, merger, restructure, refinancing or other change in the ownership or control of our business, or of any part of it, including to potential buyers or investors, their professional advisors and our professional advisors. Where it is practicable to do so, we provide this information in a de-identified, aggregated or summarised form.

If the transaction proceeds, personal information held in connection with the business may be transferred to the purchaser or new operator as part of the business. We will require the recipient to handle that information in accordance with the Australian Privacy Principles and on terms no less protective than this policy.

We may also disclose personal information to an administrator, receiver, liquidator or trustee in bankruptcy appointed in respect of us or our business, and to their professional advisers.

Your property manager does not receive your personal Zellio activity, points balance, or rewards card history.

5.6 Overseas disclosures

Some of the service providers we use to run our business are located outside Australia. Specifically, our infrastructure and database hosting provider (Railway) and our email delivery provider (Postmark) are located in the United States. When you provide personal information to us, that information is processed and stored on servers in the United States. Our other service providers are located in Australia or make their services available from Australia.

Before disclosing personal information to overseas recipients, we take steps that are reasonable in the circumstances to ensure that the recipient does not breach the Australian Privacy Principles in relation to that information.

In addition, if a party to a transaction of the kind described in paragraph 5.5, or its advisers, is located outside Australia, we may disclose personal information to a recipient outside Australia in connection with that transaction on the same basis.

6. Marketing

We may at times send you marketing communications which will be done in accordance with the Spam Act 2003 (Cth) (Spam Act).

If we do, we may use email, SMS, social media, phone or mail to send you direct marketing communications.

Where consent is needed, we will ask you for your consent before sending you marketing communications, except where you:

• have explicitly opted-in to receiving email marketing from us in the past; or
• were given the option to opt-out of email marketing when you initially signed up for one of our platforms and you did not do so.

You can, at any time, opt out of receiving marketing materials from us by using the opt-out facility provided (for example, an unsubscribe link on emails we send you) or by contacting us via the details provided at the end of this privacy policy. We will implement such a request as soon as possible, however, we cannot guarantee that such a response will be immediate.

7. Security and how long we keep your personal information for

Our infrastructure and database hosting is provided by Railway on servers located in the United States. Our email delivery is provided by Postmark, also in the United States. Our website is delivered through Cloudflare's global content delivery network. We take reasonable steps to ensure your personal information is secure and protected from misuse, interference and loss and from unauthorised access, modification and disclosure. These steps include (a) encrypting personal information in transit and at rest; (b) limiting access to personal information to staff and contractors who need it for their role and removing access when they leave; and (c) requiring multi-factor authentication on our administrative systems.

We take reasonable steps to destroy or de-identify personal information once we no longer need it for any purpose for which we may use or disclose it, unless we are required by law to keep it. In practice this means:

• member accounts are held until the member requests deletion. Accounts do not become inactive by reason of any period without switching activity, in line with clause 7.2 of our Member Terms and Conditions;
• switch and payout records are retained for 7 years to meet tax and audit obligations;
• analytics events are retained for 24 months, held in an isolated system with no directly identifying information;
• authentication codes and rate-limit records are purged after 30 days.

When we delete information from our active systems, a copy may remain in our backups until those backups are overwritten. We do not use backup copies for any other purpose.

No method of transmission or storage is completely secure. While we take the steps described above, we cannot guarantee the security of your personal information.

8. Links

Our website may contain links to other websites. Those links are provided for convenience and may not remain current or be maintained. We are not responsible for the privacy practices of those linked websites and we suggest you review the privacy policies of those websites before using them.

9. Requesting access or correcting your personal information

If you wish to request access to the personal information we hold about you, please contact us using the contact details set out below including your name and contact details. We may need to verify your identity before providing you with your personal information. In some cases, we may be unable to provide you with access to all your personal information and where this occurs, we will explain why. We will deal with all requests for access to personal information within a reasonable timeframe.

If you think that any personal information we hold about you is inaccurate, please contact us using the contact details set out below and we will take reasonable steps to ensure that it is corrected.

10. Anonymity

Where it is lawful and practicable to do so, you may deal with us anonymously or using a pseudonym, for example when making a general enquiry. This is not practicable where you open an account with us or ask us to refer you to our Bill Comparison Partner, because we need to identify you to provide that service.

11. Complaints

If you believe we have breached the Australian Privacy Principles, or you are unhappy with how we have handled your personal information, please tell us. Send your complaint in writing to us via the contact details in paragraph 12. Please include your name and contact details, what happened, and what you would like us to do. There is no charge for making a complaint.

We will acknowledge your complaint within 5 business days. We will then investigate it and may contact you for further information. We will give you a written response within 30 days of receiving your complaint, setting out our findings, what we have done or will do about it, and our reasons. If we need longer than 30 days we will tell you why and when you can expect our response.

You may also complain to the Office of the Australian Information Commissioner (OAIC). The OAIC generally expects you to complain to us in writing first and to allow us 30 days to respond. You can contact the OAIC at oaic.gov.au or on 1300 363 992.

12. Contact us

For further information about our privacy policy or practices, or to access or correct your personal information, or make a complaint, please contact us using the details set out below:

Name: Zellio Pty Ltd
Email: go@zellio.com.au

Our privacy policy was last updated on 14 August 2026.