Privacy Policy

1. Who We Are

King of Pawn is a licensed pawnbroker and second-hand dealer operating in New South Wales, Australia. Our contact details are:

• Business Name: King of Pawn
• ABN: 11 770 383 757
• Licence: NSW Pawnbroker Licence No. 2PS30706
• Address: 7/34 Chadderton Street, Cabramatta NSW 2166 (By Appointment Only)
• Email: Andrew@kingofpawn.com.au
• Phone: 1800 841 838

2. What Personal Information We Collect

We may collect the following types of personal information:

• Contact details: Full name, email address, phone number
• Vehicle information: Registration plate (NSW Rego), make, model, year, odometer reading, and condition
• Financial enquiry details: Requested loan amounts, asset descriptions
• Communications: Messages submitted via our contact form or sent to us by email, SMS, or WhatsApp
• Website usage data: IP address, browser type, pages visited, session duration (via Google Analytics and Meta Pixel)

We do not collect sensitive information such as health data, financial account numbers, or government identifiers unless required by law (e.g., under the Pawnbrokers Act for transaction records).

3. How We Collect Your Information

We collect personal information through:

• Our website contact form at kingofpawn.com.au/contact.html
• Our online vehicle valuation estimator tool
• Our appointment booking widget on the homepage (name, phone number, asset type, and preferred appointment date/time)
• Our public loan status portal at kingofpawn.com.au/loan-portal.html (vehicle registration number entered by the customer to look up their own loan status)
• Direct communication via phone, SMS, email, or WhatsApp
• In-person visits to our warehouse for appraisals or loan transactions
• Automated website analytics tools (Google Analytics, Meta Pixel)

3A. Public Loan Status Portal

Our public loan portal at kingofpawn.com.au/loan-portal.html allows customers to check the status of their pawn loan by entering their vehicle registration number (Ticket ID).

• What is displayed: Loan status (active or expired), outstanding balance, and redemption expiry date only.
• What is NOT displayed: Customer names, phone numbers, addresses, or any other personal identifiers are never shown on the portal.
• Data source: The portal uses a static, anonymised data file. No personal information is transmitted to or stored on any external server when you use this portal.
• Access control: Results are only returned if the exact vehicle registration number is known to the enquirer. This is designed so that only the vehicle owner or an authorised person can reasonably access this information.

If you believe your loan information is displayed incorrectly or you wish to have it removed from the portal, please contact us immediately at Andrew@kingofpawn.com.au.

4. Why We Collect and Use Your Information

We use your personal information to:

• Respond to your loan enquiries and provide pawn loan quotes
• Process and manage pawn loan transactions as required by law
• Communicate updates about your loan, stored asset, or redemption
• Improve our website and services through aggregated analytics
• Display relevant advertisements on Facebook and Instagram (via Meta Pixel)
• Comply with our obligations under the Pawnbrokers and Second-hand Dealers Act 1996 (NSW)

We will never use your personal information for purposes that you would not reasonably expect or that are unrelated to our core pawnbroking services.

5. Who We Share Your Information With

We do not sell your personal information. We may share it with the following trusted third parties only as necessary:

• Google LLC — Website analytics (Google Analytics 4). Data is anonymised and aggregated. See Google's Privacy Policy.
• Meta Platforms, Inc. — Advertising measurement (Meta Pixel). Used to measure the effectiveness of our Facebook/Instagram ads. See Meta's Privacy Policy.
• Netlify, Inc. — Website hosting and serverless functions. Our websites are hosted on Netlify's secure infrastructure. See Netlify's Privacy Policy.
• NSW Police / Regulatory Authorities — We are legally required to report second-hand dealer transactions to NSW Police under the Pawnbrokers and Second-hand Dealers Act 1996. This is a legal obligation, not a discretionary disclosure.

6. Data Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access:

• Our websites use HTTPS (TLS encryption) at all times
• All form submissions are transmitted securely over encrypted connections
• Contact form data is delivered directly to our secure business email
• We do not store payment card information
• Vehicle valuation data entered on our estimator tool is processed in real-time and not stored on our servers

No system is 100% secure. In the event of a data breach that is likely to cause serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches (NDB) scheme.

7. How Long We Keep Your Information

We retain personal information for as long as necessary to fulfil the purpose it was collected for, or as required by law:

• Enquiry and contact form data: Up to 2 years, or until you request deletion
• Pawn loan transaction records: Minimum 7 years, as required by NSW law
• Website analytics data: As per Google Analytics retention settings (14 months by default)

8. Cookies and Tracking

Our websites use the following tracking technologies:

• Google Analytics (gtag.js): Collects anonymised session data to help us understand website traffic. You can opt out via Google Analytics Opt-out Browser Add-on.
• Meta Pixel: Tracks page views and ad conversions for our Facebook/Instagram ad campaigns. You can manage ad preferences via Facebook Ad Preferences.

By continuing to use our website, you consent to these cookies being placed on your device. You may disable cookies in your browser settings, though this may affect the functionality of our website.

9. Your Rights

Under the Australian Privacy Act 1988, you have the right to:

• Access the personal information we hold about you
• Correct inaccurate, out-of-date, or incomplete personal information
• Request deletion of your personal information (subject to our legal record-keeping obligations)
• Complain about a breach of your privacy rights

To exercise any of these rights, please contact us at: Andrew@kingofpawn.com.au. We will respond within 30 days.

10. How to Make a Privacy Complaint

If you believe we have breached your privacy, please contact us first at Andrew@kingofpawn.com.au. We take all complaints seriously and will respond within 30 days.

If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The most current version will always be available on this page with an updated effective date. We encourage you to review this policy periodically.