We will sometimes revise our privacy policy - by making changes to this web page.

We reserve the right to do so at any time, without any prior notice.

We are committed to protecting the privacy and the confidentiality of our clients and any personal information that we collect from you, whether that information is provided in written, verbally or in electronic form.

We occasionally collect personal information in order to provide products and services to the visitors to our site.  We secure all client information in accordance with the Privacy Act 1988 and National Privacy Principles established under the Privacy Amendment (Private Sector) Act 2000.  Information about the Privacy Principles and your rights under the legislation can be accessed from the Privacy Commissioner.

This policy statement aims to describe how we will treat your personal information.

Why do we collect personal information?
Effective analysis of an individual’s needs, objectives and attitudes often requires a detailed analysis of their current situation.  These items can only be determined by collecting personal information.

Credit References & Reports

Access to some products or services is subject to the provision of a complete credit report.  If you are applying for such products and/or services, then we may be required to obtain a formal credit report, subject to the conditions of your engagement authority. 

How do we use your personal information?
Personal information is often necessary to adequately provide the services you have requested, which may include:

• Providing you with products/services;
• Notifications regarding the provision of Products/Services.

Your personal information is secured from unauthorised access via password protected computer systems and physically restricted office filing facilities.

We may disclose your personal information to the following persons:

• Our authorised representatives and staff only as required in order to provide the services that you have requested. All our staff and representatives are obliged to adhere to this Privacy Policy;
• Product issuers, suppliers and administrators for the purpose of establishing any services ordered by you, or explicitly selected by you; and
• Nominated product/service providers that you have explicitly nominated as recipients of particular information.

We only disclose your personal information as required to satisfy the following requirements:

• The provision of the services that you have formally requested;
• As required for assessing credit and product applications;
• Where required by law;
• Where you have consented to such disclosure;
• Conducting statistical analysis in order to improve our services to you and to ensure that we can provide you with relevant research, marketing and service-related materials such as newsletters, articles, brochures, e-mail messages and special event invitations where you may have expressed an interest in such items.

NOTE:  you can specify which information you do, or don’t wish to receive and we will endeavour to honour your requests where possible.

Cookies

Our web site uses "Cookies" to track the navigation of users on our site. These cookies are used for sales tracking - and they do not gather or store personal information about you.

Occasionally our web site uses cookies to allow the site to identify technical components of your browser while you are using our site. These cookies simply aid the technology and its developers to enhance the site to improve your browsing experience. Despite their harmlessness, you may wish to configure your browser settings to bar all cookies or to issue warning messages when cookies are encountered.  That can afford you an opportunity to refuse their download individually. Refer to your Internet browser “help” function or user manual for details of these settings.

Accessing and maintaining your information
If you become aware or believe at any time that information we hold about you is inaccurate, incomplete or outdated, please contact us to correct that information immediately.

You are entitled to request access to your personal information at any time. We will endeavour to respond to any request for access within 5 business days.   The time required to access your information may depend upon the currency, volume and complexity of the information or the request. Under the National Privacy Principles access may, within reasonable bounds, be denied in some circumstances. If the request is exceptionally large, complex or time consuming, then we may be forced to charge a fee for access.

Complaints
If you have a complaint about our treatment of your personal information, you should contact your designated advisor and lodge a formal request.  Your request will be actioned within 5 business days, with an aim to resolve any complaint within 30 days, subject to due consideration of the size and complexity of the complaint.

If you do not achieve a satisfactory outcome, then please follow our formal dispute resolution procedure as identified within our Services Guide and our formal Compliance & Procedures Manual.

Our staff and representatives are contractually bound to conform to these procedures.   Those procedures include a definition of the escalation procedures within the organisation structure.

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