This policy provides information about how Fiskil manages data under the Consumer Data Right (CDR). Specifically, this policy explains how Fiskil can collect, use, hold and disclose your data that you consent to sharing with us. This ensures transparency and trust between all parties, as well as ensuring the quality, integrity and security of your personal information under applicable CDR legislation and Privacy Laws.
The data you provide to someone has no bearing on your ability to control who you can share your data with.
Any recipient of data is regulated by the ACCC and must meet requirements like continuous quality monitoring, dispute resolution, security measures, audit and other stipulations in place by the Data Accreditation Body.
When it comes to sharing your data with an accredited recipient, you can share data held by a known Data Holder (for example, a financial institution)
Fiskil may use or disclose de-identified redundant data (which is available to them by any means) without having to seek further consent from you.
You have rights to decide which data types you will share, such as profile, payments, transaction, or product information; how long you will be sharing, whether it is a one-time sharing or an ongoing process; and whether you want to receive marketing material based on the data you have shared.
As long as you've given consent, it will last for a maximum of 12 months, until you stop consenting, or re-grant consent.
You have the ability to manage your consent from either of the dashboards that the Data Recipient or the one that the Data Holder provide you.
Your consent can be withdrawn at any time, in several ways, such as by using the dashboard that the Data Recipient uses to gain consent, the one that the Data Holder uses, or via a letter.
With written notification, the revocation must be completed within two business days. Your change in consent status (for example, active, expired, or withdrawn) will be reflected in the consent dashboard in near real-time. Fiskil will remove your data if you revoke your consent.
Withdrawing your consent prevents the services that the Data Recipient offers from being provided to you.
You must contact us to request data correction. Erroneous data must be provided for data analysis and data correction. Fiskil will, upon notification by phone or email, update the consumer dashboard with the request and notification of the corrective action, if applicable.
Where applicable, all notices are emailed out via the consumer's dashboard. The notice lists Fiskil's response to the request, any action taken, and any options for resolving any dissatisfaction that the consumer may have.
Fiskil must obey the rules of data minimisation, which requires that only the required data is held. This is directly relevant to why data capture is done.
You may advise that your collected data, and any information generated from it, be removed when it becomes redundant. Consent must be granted or obtained before it can be revoked or expire.
To ensure customer control over their data, Fiskil does not provide information to third parties to engage in direct marketing. This means that:
Fiskil does not share or use your personal data (including banking data) for commercial purposes.
Fiskil does not provide personal banking data to non-accredited or accredited individuals, regardless of their location.
Fiskil does not release your data to anyone. If these arrangements change, this list will also be adjusted using the outsourcing arrangements.
Fiskil does not provide CDR data to any outsourced providers. Fiskil develops and maintains its own software for use with banking data collected under the CDR Rules.
Your data is onshore and only resides in Australia. Storage policies from outsourced parties will be used for this list's maintenance.
To speak with Fiskil regarding how your personal information is managed, please use the details below.
We will acknowledge your complaint once Fiskil have received your complaint. You will be notified if Fiskil require further information to resolve your complaint.
We strive to deal with complaints swiftly. Some complaints can take up to five (5) business days to resolve. You will be informed when things progress and when you may fairly expect a response.
You may also contact our Complaints Officer, who can perform an independent review of your issue if you are not satisfied by Fiskil’s response. The Complaints Officer can be reached at email@example.com
As long as you submit your complaint to our Complaints Officer, you have the option to raise your complaint with regulators that may be relevant in the future.
Personal information can be the subject of a complaint under the Privacy Act to the Australian Information Commissioner (OAIC). All complaints must be submitted to the respondent organisation first. The organisation is given 30 days to handle the matter before a person may lodge a complaint to the OAIC. The OAIC can be contacted at:
Office of Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Additionally, the Australian Financial Complaints Authority (AFCA) can consider complaints that relate to the provision of credit or credit reporting information, in general. AFCA can be contacted at:
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001
Financial service providers are required to hold data about their customers, so that they can provide you with a product or service and improve their offerings. Some of this data is classified as ‘CDR data’ and as a result, this makes these financial service providers a ‘Data Holder’ (as opposed to a ‘Data Recipient’).
Customer bank account data is needed to allow customers to bank online. To access this data, customers must be identifiable or "reasonably identifiable," and the requested data is relevant to their needs.
As an Accredited Data Holder and Recipient, Fiskil helps organisations by providing the necessary technology to enable their CDR journeys. Fiskil provide this service by offering secure data storage services for service providers to store CDR data on their behalf. As part of the government's Open Banking initiative, CDR data can be used and shared securely via our service.
The rules for Open Banking are set by the Consumer Data Right (CDR), which seeks to maximise the number of options and controls available to Australian citizens when it comes to the usage and disclosure of their personal data.
As an Accredited Data Recipient, we use the CDR data you consent to share with us to provide our products and services to you. Our products and services aggregate and enrich your data to provide you with personal insights on spending, income and affordability.
To provide you with our services, we give you the option to share whatever type of data you like with us from CDR Data Holders such as banks, energy companies or telcos. We’ll let you know if we need a particular type of information to deliver our service to you. This could include:
Account balance and details:
Name of account
Type of account
Account mail address
Incoming & outgoing transactions
Descriptions of transactions
The account name of who you have sent money to and received money from
Name, occupation and contact details:
Organisation profile and contact details:
Agent name and role
Organisation numbers (ABN or ACN)
Country of registration
Direct debits and scheduled payments :
Direct debit authorisations
Scheduled, outgoing payments
Names and details of saved payee accounts
Concessions and assistance:
Account and plan details:
Account and plan information
Fees, features, rates and discounts
Payment and billing frequency
Any scheduled payment details
Billing payments and history:
Charges, discounts, credits
Usage for billing period
Electricity usage :
National Meter Identifier (NMI)
Connection point details
Associated service providers
Energy generation and storage:
Generation or storage device type
Devices that can operate without the grid
Energy conversion information
Fiskil is currently represented in the CDR Regime by the following entities:
Nature of the goods and services provided to customers using CDR data
SolvingZero provides personalised and actionable insights to help homeowners make the smartest decisions for their home energy
Nature Electric is a comprehensive software-as-a-service platform designed to streamline and simplify an organization's transition to renewable energy. Nature Electric facilitates every stage of the energy journey, from initial assessment to full execution, emphasizing financial, organizational, and environmental impact.
Threadlet is a platform that automatically switches customers to the lowest electricity & gas rates every month at Zero Cost and all in one place, reducing admin time tendering and comparing prices, and have peace of mind you're never caught out on price hikes
Resly Pty Ltd
Resly is a 100% cloud-based platform. Built to be accessible from anywhere, at any time, on any device. Resly combines a powerful property management system, seamless channel manager and commission-free direct booking engine, in an easy-to-use platform. Hotels use Resly to reconcile their trust accounts.
Yondr Money Pty Ltd
Yondr Money is a technology driven fintech company based in Australia that offers an intelligent and streamlined, customer-first alternative to mainstream banks. The company has built a platform and intelligent app that combines behavioural science and machine learning, designed to improve customers’ financial literacy. Yondr offers its customers a multi-currency account with physical and virtual Visa cards accessible through its app. The products include Digital BSB & Account number Multi-currency wallet (AUD, USD, EUR, THB, GBP, JPY, HKD, SGD) Virtual Visa card Physical Visa card Apple & Google Pay Spend analytics In-app chat support (Australian based team) Push notifications and card controls & limits.
DropShip Central Pty Ltd
DropShip Central is a resail/wholesale ERP solution, leveraging CDR data for bank reconciliations and balance verifications.
IO Energy Pty Ltd
IO Energy is a energy technology provider and retailer. They provide consumers with detailed analytics and comparisons of bills. They aim to reduce energy costs, help consumers better understand their energy usage and help consumers use cleaner energy. IO Energy uses Fiskil to access customer energy usage and billing data to provide accurate bill comparisons.
Powerpal is an Australian company that provides an energy-saving device that allows homeowners to track their energy consumption and reduce their energy bills. The device, which is installed on the electricity meter, sends real-time data to the user's smartphone or tablet, allowing them to monitor their energy usage and identify areas where they can save money. The Powerpal app also provides personalized tips and insights to help users reduce their energy consumption and environmental impact. Additionally, the company partners with electricity retailers to offer exclusive energy plans and discounts to its users.
Voltarocks is an energy technology company that has developed a mobile application to help individuals and families take control of their energy usage and work towards energy independence. The company aims to empower users to create a positive impact on the environment by making energy-saving solutions accessible to everyone. The Voltarocks mobile application uses AI and machine learning to provide personalized energy-saving solutions for control of energy usage. It also provides access to grants and rebates to make energy-saving upgrades more affordable for users. The app offers fun and engaging energy-saving solutions through innovative technology and user-friendly interfaces. It aims to inspire conscious consumers committed to reducing their carbon footprint and create a sustainable future.
AGL Energy Services Pty Ltd
AGL Energy Services Pty Ltd, Electrify Now is a tool to help customers identify ways to save money on their energy bills and reduce their home’s carbon emissions. The tool allows customers to understand their personal energy bill and carbon savings if their home switched to solar, battery, heat pump hot water, reverse cycle space heating, induction cooktops or an electric vehicle (EV), with customers able to pick and choose which upgrade suits their budget and lifestyle. Customers are able to calculate the benefits of upgrading to more efficient energy products, customers enter their details into the Electrify Now platform, which uses their unique energy data and profile to calculate an estimated energy bill and carbon savings specific to that customer and their energy use.
N0de Pty Ltd
N0de’s mission is to turn an organisation's net zero ambition into action as fast and cost effectively as possible. Building of our deep expertise in Net Zero, and using the power of our software, we develop compelling Net Zero visions and action plans, empowering businesses with the confidence and internal support to overcome the barriers to net zero activation and unlock the many economic, social and environmental benefits that net zero transformation offers.