Website Terms & Conditions

About Information on this Website
www.epawn.com.au

Why These Terms & Conditions Matter

Welcome to our Website Terms and Conditions page. These terms and conditions outline the rules and guidelines for using our website and services, ensuring a clear understanding of your rights and obligations as a user. By accessing and using our site, you agree to comply with these terms, which are designed to protect both you and us by establishing a legal framework for the safe and responsible use of our online resources. Our aim is to provide a transparent, fair, and secure experience while safeguarding our interests and those of our users.

“E-Pawn” is a registered business trading name of MotoCafe Holdings Pty Ltd [ABN 69 620 572 223], which holds a Pawnbrokers & Secondhand Dealers Licence (NSW) [2PS26801]. Any mention of “us” or “we” on this website refers to MotoCafe Holdings Pty Ltd, which terms may also be written or expressed as “E-Pawn” and/or “EPawn”.

Identity Verification

E-Pawn is required by law to conduct identity verification checks under legislation such as the ‘Pawnbrokers and Second-Hand Dealers Act 1996‘ (NSW) and acts like the ‘Anti-Money Laundering and Counter-Terrorism Financing Act 2006‘, as well as any other relevant legislation governing pawnbroking in NSW.

If you fail to provide the necessary personal information to establish your identity, we may not be able to offer you our products or services. This may include identifying you under agreements or arrangements with third parties, including banks, credit reporting agencies, or other financial institutions.

Website Data

If you visit the E-Pawn website to read, browse, or download information, our system may record the following information provided by your browser:

The date and time of your visit; The type of browser and operating system you are using; Your Internet Service Provider and top-level domain name (for example – .com, .gov, .au, .uk, .nz, etc.); The address of any referring website (for example – the previous website you visited); and Your computer’s IP (Internet Protocol) address (a number unique to the machine through which you are connected to the internet).

Website data is kept strictly confidential and is used for internal research purposes only. It helps us monitor which sections of the site are most popular, giving us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site so that we can customise the website information and presentation.

When you use our website, we may send you a “cookie” that gives you a unique identification number. A “cookie” is a packet of information that allows the server (the computer that houses the website) to identify and interact more effectively with your computer. A different identification number is sent each time you use our website. These cookies may be session cookies, which last only until you close your browser, or they may be persistent cookies, which are stored longer term on your computer. Cookies do not identify individual users, although they may identify a user’s browser type and your Internet Service Provider (ISP).

You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. Please refer to your browser instructions or help screens to learn more about these functions. If you reject all cookies, you may not be able to use our website.

Accuracy of Information

E-Pawn takes all reasonable steps to ensure that the information we hold about you is accurate, complete, and up to date whenever we collect, use, or disclose it. However, the accuracy of that information depends largely on the information you provide.

If you believe any information we hold about you is inaccurate, incomplete, or out of date, please let us know as soon as possible. We will promptly correct any inaccurate information or, if necessary, discuss alternative action with you.

Access

You can access most of the personal information we hold about you, and if required, you can request changes to that information. E-Pawn will make the information available to you as soon as possible. If it is incorrect, you may request us to correct it. We may charge a reasonable fee for access to your personal information.

We may deny your request for access in certain circumstances. If we do this, we will tell you why.

Sensitive Information

Some personal information (e.g., details about your race, ethnic origin, or health) is regarded as sensitive. Unless required by law, E-Pawn will only collect this information with your consent.

Security

E-Pawn takes all reasonable precautions to safeguard your personal information from loss, misuse, unauthorized access, modification, or disclosure. We maintain physical security over our paper and electronic data storage and premises, such as locks and security systems. We also maintain computer and network security using passwords to control and restrict access to our computer systems, firewalls, and anti-virus software.

E-Pawn’s Privacy Policy

These Website Terms and Conditions are subject to the terms of our Privacy Policy, which outlines how we collect, use, and protect your personal information. We encourage you to review our Privacy Policy to understand your rights and our obligations regarding your data. You can read our full Privacy Policy here.

• Note: E-Pawn may update or amend our Privacy Policy from time to time as our business or the law changes. Any changes to this Privacy Policy will be published on our website.

We Will Sell Your Pawned Goods If you Default

If you do not redeem your pawned goods by the Due Date stated on the Pawn Ticket, E-Pawn will sell your pawned goods without further notification. Please note that all Pawn Tickets will be issued in the name of E-Pawn Pawnbrokers. At our sole discretion, we may sell the pawned goods by auction or otherwise at our business premises, in a manner conducive to securing the best price reasonably obtainable, as soon as practically possible after the Due Date. We will also deduct from the sale proceeds the amounts you owe to us, including the total principal sum loaned against the pawned goods, the interest accrued on that sum to the Due Date, and any costs of or reasonably incidental to the sale.

Complaints

E-Pawn aims to resolve any complaint to the complainant’s satisfaction and has an established procedure for handling privacy complaints. If you believe that we have not dealt with your personal information in accordance with our obligations under the Privacy Act, you should contact us on the following details:

If you have any questions about these terms and conditions of use of information on this website, or would like further information, please feel free to contact us.

The Proper Officer
E-Pawn (Pawn Shop)
c/- MotoCafe Holdings Pty Ltd
Suite 6a, 3 Victoria Road
Parramatta NSW 2150

Phone:  1300 855 223

Email: loans@epawn.com.au

We will do our best to attend to your concerns within a reasonable period after your communication is received.