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GLOWPAY

Discover the hidden costs in your spending habits and unlock ways to save.

Challenge Yourself with Customized Financial Goals. Build Smarter Habits, Enjoy Greater Financial Freedom.

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Receive Tailored Financial Challenges in Your App

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See how adjusting your spending can increase your savings and enhance your financial freedom.


Track and Celebrate Your Progress

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Track Progress, Celebrate Milestones to Stay Motivated on Your Financial Journey.


Earn Points and Rewards as You Learn

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Redeem Rewards While Enhancing Your Financial Habits.

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Watch your financial habits transform.

Each challenge you complete is an improvement that brings stability and confidence in your financial journey. You're not just managing figures; you're cultivating habits that will support your financial well-being for life.


Get your free report today

Be the First to Experience Financial Empowerment. Join now to secure your spot and gain access to exclusive discounts and benefits for waitlist members.

💸Anna from NSW found $4,100 a year in total potential savings across food, online shopping, and various fees.

💸💸Hayley from VIC discovered almost $300 a year wasted on unnecessary subscriptions.

💸💸💸 Blake from QLD realised they could save over $1,000 a year with a few small changes in their spending habits.

What is Our Beta?A preview release with core features designed to refine our full product. As a Beta Tester, you’ll get a personalized spending and savings report, offering insights and tips on enhancing your financial habits.Why Join?By participating, you'll not only help shape the development of the final app but also enjoy lifetime access to exclusive discounts and reward programs. Its completely free for Beta testers we just ask for your feedback and support!Be Part of Something BiggerYour feedback is crucial. Help us perfect our features and usability to better serve your financial wellness.

DOWNLOAD OUR BETA FREE TODAY

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© 2024 Glow Payments. All rights reserved. ABN 48 666 911 084

Our alpha release is currently full. Join the waitlist to be first in line for the next release....

Waitlist members get exclusive access to early-bird benefits and offers.

Privacy Policy

Glow Payments Pty Ltd (ABN 48 666 911 084) trading as GlowPay (we, us or our), understands that protecting your personal information is important. This Privacy Policy sets out our commitment to protecting the privacy of personal information provided to us, or collected by us, when interacting with you.The information we collectPersonal information: is information or an opinion, whether true or not and whether recorded in a material form or not, about an individual who is identified or reasonably identifiable.The types of personal information we may collect about you include:• Contact Data including your telephone number, address and email.• Identity Data including your name, date of birth, gender, pronouns and photographic identification.• Household Data including marital status, number and age of dependents.• Employment Data including your occupation and employment information.• Financial Data including assets and liabilities, income and expenditure, bank account and payment card details (through our third party payment processor, who stores such information and we do not have access to that information).• Background Verification Data including your government-issued identification details requested as part of our verification process to comply with our due diligence obligations, anti-money laundering laws and related ongoing monitoring commitments.• Transaction Data including details about payments to you from us, from you to us, and from you to third parties, and other details of products and services you have purchased from us or we have purchased from you.• Technical and Usage Data when you access any of our websites or platforms, details about your internet protocol (IP) address, login data, browser session and geo-location data, statistics on page views and sessions, device and network information, acquisition sources, search queries and/or browsing behaviour, access and use of our website (including through the use of Internet cookies or analytics), and communications with our website.• Profile Data including your username and password, purchases or orders you have made with us and support requests you have made.• Interaction Data including information you provide to us as complaint details, involvement in legal proceedings, or when you participate in any interactive features, including surveys, contests, promotions, activities or events.• Marketing and Communications Data including your preferences in receiving marketing from us and our third parties and your communication preferences.• Professional Data including where you are a worker of ours or applying for a role with us, your professional history such as your previous positions and professional experience.• Sensitive Information is a sub-set of personal information that is given a higher level of protection. Sensitive information has a particular meaning under the Privacy Act and includes health information. In the course of doing business with you, we may collect, or come across such sensitive information in different situations, including during the course of conducting a background verification check on you.

How we collect personal informationWe collect personal information in a variety of ways, including:‣ when you interact directly with us, including face-to-face, over the phone, over email, using our software, by completing our online forms, or online;‣ when your authorised representative (such as a legal or financial adviser) interacts with us on your behalf;‣ when you complete a form, such as registering for any events or newsletters, or responding to surveys;‣ when you apply for a job with us;‣ from third parties, such as details of your use of any website we operate (from our analytics and cookie providers and marketing providers. See the “Cookies” section below for more detail on the use of cookies); or‣ from publicly available sources, such as social media or the Australian Securities and Investment Commission (ASIC).Why we collect, hold, use and disclose personal information‣ Personal information: We collect, hold, use and disclose your personal information for the following purposes:‣ to enable you to access and use our software, including to provide you with a login;‣ to assess whether to take you on as a new client, including to perform anti-money laundering, anti-terrorism, sanction screening, fraud and other background checks on you;‣ to do business with you, including to provide our services to you and assess your application to make use of our services.‣ to contact and communicate with you about our business, including in response to any support requests you lodge with us or other enquiries you make with us;‣ to contact and communicate with you about any enquiries you make with us via any website we operate;‣ for internal record keeping, administrative, invoicing and billing purposes;‣ for analytics, market research and business development, including to operate and improve our business, associated applications and associated social media platforms;‣ for advertising and marketing, including to send you promotional information about our events and experiences and information that we consider may be of interest to you;‣ to run promotions, competitions and/or offer additional benefits to you;‣ if you have applied for employment with us, to consider your employment application; and‣ to comply with our legal obligations or if otherwise required or authorised by law.Sensitive information: We only collect, hold, use and disclose sensitive information for the following purposes:‣ any purposes you consent to;‣ the primary purpose for which it is collected, to comply with our due diligence obligations, anti-money laundering laws and related ongoing monitoring commitments;‣ secondary purposes that are directly related to the primary purpose for which it was collected, including disclosure to the below listed third parties as reasonably necessary to do business with you;‣ if otherwise required or authorised by law.

Our disclosures of personal information to third partiesPersonal information: We may disclose personal information to:‣ our employees, contractors and/or related entities;‣ IT service providers, data storage, web-hosting and server providers;‣ marketing or advertising providers;‣ professional advisors, bankers, auditors, our insurers and insurance brokers;‣ payment systems operators or processors;‣ our existing or potential agents or business partners;‣ anyone to whom our business or assets (or any part of them) are, or may (in good faith) be, transferred;‣ courts, tribunals and regulatory authorities, in the event you fail to pay for goods or services we have provided to you;‣ courts, tribunals, regulatory authorities and law enforcement officers, as required or authorised by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise or defend our legal rights;‣ third parties to collect and process data, such as analytics providers and cookies; and‣ any other third parties as required or permitted by law, such as where we receive a subpoena.Google Analytics: We have enabled Google Analytics Advertising Features. We and third-party vendors may use first-party cookies (such as the Google Analytics cookie) or other first-party identifiers, and third-party cookies (such as Google advertising cookies) or other third-party identifiers together. These cookies and identifiers may collect Technical and Usage Data about you. You can opt-out of Google Analytics Advertising Features including using a Google Analytics Opt-out Browser add-on found here. To opt-out of personalised ad delivery on the Google content network, please visit Google’s Ads Preferences Manager here or if you wish to opt-out permanently even when all cookies are deleted from your browser you can install their plugin here. To opt out of interest-based ads on mobile devices, please follow these instructions for your mobile device: On android open the Google Settings app on your device and select “ads” to control the settings. On iOS devices with iOS 6 and above use Apple’s advertising identifier. To learn more about limiting ad tracking using this identifier, visit the settings menu on your device. To find out how Google uses data when you use third party websites or applications, please see here.Overseas disclosureWhile we store personal information in Australia, where we disclose your personal information to the third parties listed above, these third parties may store, transfer or access personal information outside of Australia. We will only disclose your personal information overseas in accordance with the Australian Privacy Principles.Your rights and controlling your personal informationYour choice: Please read this Privacy Policy carefully. If you provide personal information to us, you understand we will collect, hold, use and disclose your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect our ability to do business with you.Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this Privacy Policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us.Restrict and unsubscribe: To object to processing for direct marketing/unsubscribe from our email database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.Access: You may request access to the personal information that we hold about you. An administrative fee may be payable for the provision of such information. Please note, in some situations, we may be legally permitted to withhold access to your personal information. If we cannot provide access to your information, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal. If we can provide access to your information in another form that still meets your needs, then we will take reasonable steps to give you such access.Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to promptly correct any information found to be inaccurate, out of date, incomplete, irrelevant or misleading. Please note, in some situations, we may be legally permitted to not correct your personal information. If we cannot correct your information, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal.Complaints: If you wish to make a complaint, please contact us using the details below and provide us with full details of the complaint. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take in response to your complaint. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner.Storage and securityWe are committed to ensuring that the personal information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures, to safeguard and secure personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.While we are committed to security, we cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk.CookiesWe may use cookies on our website from time to time. Cookies are text files placed in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do recognise you when you return to our online website and allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns. If and when you choose to provide our online website with personal information, this information may be linked to the data stored in the cookie. You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.Links to other websitesOur website may contain links to other party’s websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites. Those websites are not governed by this Privacy Policy.AmendmentsWe may, at any time and at our discretion, vary this Privacy Policy by publishing the amended Privacy Policy on our website. We recommend you check our website regularly to ensure you are aware of our current Privacy Policy.For any questions or notices, please contact us at:Privacy Officer
Glow Payments Pty Ltd
Level 2, 11-17 York St
Sydney NSW 2000
Email: privacy@glowpay.coThis Privacy Policy was last updated 19 June 2023

Privacy Collection Notice

This Privacy Collection Notice describes how Glow Payments Pty Ltd (ABN 48 666 911 084) trading as GlowPay (we, us or our) collect and handle your personal information when you sign up for our services or interact with us. We collect personal information from you and/or from third parties, including our cookie and analytics providers, and your referees, so that we can provide our services to you, respond to your enquiry, assess your application and for related purposes set out in our Privacy Policy, available on our website. We collect your sensitive information to comply with our due diligence obligations, anti-money laundering laws and related ongoing monitoring commitments.We may disclose this personal information to third parties, including related entities, any third parties engaged by us and acting on our behalf and as otherwise set out in our Privacy Policy, available on our website.While we store personal information in Australia, where we disclose your personal information to the third parties listed above, these third parties may store, transfer or access personal information outside of Australia.If you do not provide your personal information to us, it may affect our ability to provide our Services to you and your use of our Services.Please see our Privacy Policy for more information about how we collect, store, use and disclose your personal information, including details about overseas disclosure, access, correction, how you can make a privacy-related complaint and our complaint-handling process.If you have questions about our privacy practices, please contact us by email at: privacy@glowpay.co. By providing your personal information to us, you agree to the collection, use, storage and disclosure of that information as described in this privacy collection notice.This Privacy Collection Notice was last updated 19 June 2023

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