Privacy Policy
We are committed to protecting your privacy and the confidentiality of any personal information that we collect from you, whether that information is provided in written form, verbally or over the internet.
In collecting and handling your personal information, we abide by the National Privacy Principles ("NPPs") established under the Privacy Amendment (Private Sector) Act 2001. You can obtain information about the NPPs and your privacy rights at the Privacy Commissioner's website at www.privacy.gov.au
Please read the following information to understand how we will treat your personal information.
What personal information do we collect?
Our ability to provide you with a comprehensive financial planning and advice service is dependent on us obtaining certain personal information about you, including details of your:
current employment, employment history;
financial needs and objectives;
current financial circumstances, including your assets and liabilities (actual and potential), income, expenditure, insurance cover and superannuation;
investment preferences and aversion or tolerance to risk;
family commitments, social security eligibility, estate planning; and
any other information which helps build a picture of your particular needs and financial situation.
For what purposes do we collect personal information?
We ask you for personal information that is necessary for us to adequately provide to you the services you have requested, which may include:
preparing your financial plan;
providing financial planning advice to you;
recommending and implementing investments;
reviewing your financial plan; and
monitoring your investment portfolio.
We will primarily collect your information via our Financial Planning Profile form. We may also collect information in face to face interviews or over the telephone. From time to time, we may collect additional or updated personal information via one or more of these methods in connection with the above purposes.
We will not use or disclose your personal information for any purpose other than:
the provision of the above services;
a related purpose in circumstances where you would reasonably expect such use or disclosure;
where you have consented to such use or disclosure;
providing you with direct marketing material such as articles or product brochures that may be of interest to you (however, you can request not to receive such information by contacting us by a method set out below; please allow two weeks for any such request to be actioned); or
in circumstances otherwise authorised by the NPPs.
To whom do we disclose personal information?
We may disclose your personal information to the following persons:
the Financial Planning Association or Australian Securities & Investments Commission on request to ensure for their inspection to ensure ongoing compliance with mandatory professional standards and legal obligations;
Each of our representatives have adopted and adhere to this Privacy Policy;
another representative during periods when your consultant is away from the office, to ensure you receive a continued service;
superannuation fund trustees, insurance providers and product issuers for the purpose of giving effect to your financial plan and the recommendations made by us; and
administrative service providers in respect of your investments to assist them in reporting, providing distributions, and other administrative tasks relating to your investments.
administrative and professional service providers who assist your adviser in providing you with planning and ongoing review services.
Cookies
Our web site may use cookies which allow us to identify your browser while you are using our site. Cookies do not identify you, they simply allow us to track usage patterns so that we can measure the level of interest in various areas of our site. Most web browsers are set up to accept cookies. You can re-set your browser to refuse all cookies or to receive a warning message with each cookie which you can then refuse by turning it off in your browser. Your internet service provider should be able to assist you to set your preferences.
Unless you provide an e-mail address in the course of your visit to our web site, we cannot identify you.
The security of your personal information
We treat your personal information at all times as confidential and any sensitive information as highly confidential. All paper files are stored in lockable cabinets or dedicated safe custody rooms which are locked out of hours. All electronically held information is protected through the used of access passwords on each computer and firewalls. Data is backed up each evening and stored securely off site.
Updating and accessing your personal information
If you become aware or believe at any time that information we hold about you is inaccurate, incomplete or outdated, you may contact us by any of the methods set out below and provide us with evidence of the inaccuracy, incompleteness or outdatedness and we will, if we agree that the information requires correcting, take all reasonable steps to correct the information.
You are entitled to request access to your personal information. We will endeavour to respond to any request for access within two to four weeks, depending on the complexity of the information or the request. Under the NPPs, access can be denied in certain circumstances; we will give you our reasons for denying access if we do so. If the request is complex or time consuming, we may charge a fee for giving you such access.
Making a complaint
If you have a complaint about our treatment of your personal information, you should contact us by any of the methods set out below. Depending on the complexity of your complaint, we will consider and respond to it within 7-30 days. We will use our best endeavours to resolve any complaint to your satisfaction. However, if you are not satisfied with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.