Privacy Policy

Our Commitment
to Your Privacy


Our Commitment and Compliance with the Privacy Act 1988

We value your privacy and are dedicated to safeguarding your personal information. In accordance with the Privacy Act 1988 (the Privacy Act), which establishes guidelines for the collection, usage, correction, disclosure, and transfer of personal data by private sector organizations, we have formulated a comprehensive Privacy Policy (the Policy) to ensure compliance and protect your sensitive data.

Ensuring the confidentiality and security of your personal and confidential information is a top priority for us. The Policy outlines our practices and policies regarding the gathering and management of the personal data we acquire from you.

Our handling of your personal information adheres to the Australian Privacy Principles (APPs) outlined in the Privacy Act. These principles form the foundation of our approach to safeguarding your data.


What data do we collect?

We collect and retain your personal information for the following purposes:

  • Offering and managing our products and services
  • Administering and overseeing these products and services
  • Informing you about additional offerings from us.

The data collected is crucial for operational purposes and to provide tailored advice. The information may encompass:

  • Name
  • Email address
  • Residential and/or postal address
  • Date of birth
  • Contact details
  • Occupation
  • Bank details
  • Financial details
  • Employer details
  • Tax file number (TFN)

Much of this information is gathered through application forms, online interactions, or ongoing correspondence.

We solely collect personal information when it has been knowingly provided by you or authorized by a third party acting on your behalf.

We always seek your explicit consent before collecting sensitive information and ensure transparent disclosure.

Occasionally, we may need to gather data from third parties, such as your accountant, product issuer, or employer. Legal requirements may also compel us to request specific information from you, along with supporting documentation like certified copies of identification.

Data Utilization

How is the collected data used?

We employ the personal information we gather solely for the intended purposes. Your data aids us in fulfilling requests such as:

  • Providing financial advice
  • Establishing and managing investments and accounts
  • Executing investment instructions
  • Processing contributions, transfers, and benefits
  • Reporting investment performance
  • Updating you about our offerings.

Your personal information may also be used with your consent, as required or authorized by law, to ensure public health and safety, or as part of operations conducted by enforcement entities.

Information Sharing

To whom do we disclose information?

We may share your information with external parties, maintaining stringent controls to align with the APPs.

External parties may include:

  • Entities involved in delivering, managing, or administering our products or services, including actuaries, custodians, dispute resolution services, insurers, investment managers, and mail houses
  • Your employer (applicable to employer-sponsored superannuation arrangements)
  • Relevant fund administrators or trustees
  • Personal representatives, beneficiaries, or individuals assisting with processing death benefits
  • Financial institutions where you hold accounts
  • Our appointed professional advisors (with your consent)
  • Referring businesses.

In addition, legal obligations may necessitate the sharing of information with authorities such as the Australian Taxation Office. Disclosures will also occur when authorized or required by law, to protect public interest or our interests, or when assisting law enforcement agencies.

Access and Correction

Can I access and correct my information?

You retain the right to request access to your personal information held by us.

We strive to ensure accuracy, completeness, relevance, and currency of the personal information we possess. We may update your details from publicly available sources, like telephone directories. If you identify inaccuracies, you can request corrections. Disagreements over corrections will be communicated in writing.

Any requests regarding personal information access and correction should be directed to our Privacy Officer at

Addressing Concerns

Your Right to Lodge a Complaint

You retain the right to request access to your personal information held by us.

If you suspect a mishandling of your personal information, resulting in APP breaches, you have the right to lodge a written complaint with us. Address the complaint to the Privacy Officer, following the requirements of the Privacy Act 1988. Our Privacy Officer will respond within 30 days.

Should resolution be elusive, you may escalate your complaint to the Information Commissioner. This can be done through an online form on the Information Commissioner's website or via fax or email.

Securing Your Data

How do we safeguard your information?

You retain the right to request access to your personal information held by us.

Our robust security systems, practices, and protocols are designed to ensure the protection of your privacy. Regular audits and oversight of third-party servers hosting your data are implemented. Our personnel are trained to maintain confidentiality, and only authorized individuals can access secured content using unique usernames and passwords.

Please be aware that the internet carries inherent security risks when transmitting data. When opting for our online services, evaluate these potential risks against alternative data submission methods.

Data Retention

For how long do we retain your information?

Legal requirements set the parameters for how long certain types of records must be retained. These retention periods can vary significantly based on the nature of the data, the jurisdiction, and the specific regulations that are applicable. For example, financial records might have to be kept for several years to comply with tax laws, while customer contact information might have a different retention period according to privacy regulations.

These varying durations for data retention are influenced by contextual factors such as the type of data being stored, the purpose for which it was collected, and any legal or contractual obligations that may apply. It's important to note that failing to adhere to these legal requirements can result in penalties, including fines and other legal consequences. Therefore, it's crucial to understand and carefully manage the lifecycle of the data we collect to ensure compliance with all relevant laws and regulations.

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