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Privacy Statement

We at Regional Prosperity value the privacy of your personal information. We are required to comply with the Australian Privacy Principles and will always seek to comply with them and other applicable laws affecting your personal information.

This privacy policy outlines our policy on managing your personal information. It also generally sets out what personal information we hold, for what purposes, and how we collect, hold, use, and disclose it.

Collecting Your Personal Information

Your personal information will be collected and held by Regional Prosperity, an authorised representative of Personal Financial Services, an Australian Financial Services Licensee.

We are committed to ensuring the privacy and security of your personal information. As Authorised Representatives of Personal Financial Services Limited (ABN 26 098 725 145), AFS Licence no. 234459, we are bound by Personal Financial Services’ Privacy Policy for the purposes of:

  • providing you with the advisory services that you have requested;
  • managing our relationship with you, including management and administration tasks such as answering your requests and concerns, conducting market research and taking any required legal action;
  • completing documentation and forms, including identifying you or verifying your authority to act on behalf of a customer;
  • to protect our business and other clients from fraudulent or unlawful activity;
  • to comply with relevant laws, regulations, and other legal obligations;
  • to help us improve the products and services offered to our clients, including contacting you about products and services in which you may be interested; and
  • for any purpose for which you have given your consent.

You can let us know anytime if you no longer wish to receive direct marketing offers. You can contact us via email at [email protected] or click the “unsubscribe” link in any email we send you. We will process your request as soon as practicable.

We need to obtain and hold personal information about you to enable your financial adviser to provide the financial advice you request that suits your investment objectives, financial situation and particular needs. This includes:

  • your name, contact details and date of birth;
  • employment details and history;
  • financial details, including information about your financial needs and objectives; your current financial circumstances, including your assets and liabilities, income, expenditure, insurance cover and superannuation;
  • details of your investment preferences and risk tolerance;
  • family circumstances and social security eligibility; and
  • any other information that we consider necessary.

The personal information collected may include sensitive information such as health information and memberships of professional or trade associations.

We will only collect your personal information if it is reasonable and practicable. Generally, your personal information will be collected when you meet with your adviser in person, provide your adviser with information over the telephone, or provide your adviser with written material. We may need to collect personal information from third parties, such as your accountant.

We may receive personal information about you even when we have taken no active steps to collect it. We destroy all unsolicited personal information unless it is relevant to our purposes for collecting it.

How Your Personal Information is Held

Your personal information is generally held in client files or a computer database, and it may also be held in a secure archiving facility.

We take reasonable steps to ensure that the personal information we hold is protected from misuse and loss and from unauthorised access, modification, and disclosure. Some of the measures that we have adopted are facilities for the secure storage of personal information, secure offices, and access controls for our computer systems.

We will also take reasonable steps to destroy or permanently de-identify personal information that we no longer need for any purpose for which it may be used or disclosed under the Australian Privacy Principles.

Using and Disclosing Your Personal Information

Your personal information may be disclosed for purposes related to providing the financial advice you requested. The types of service providers that may be provided with your personal information are:

  • other financial advisers and organisations involved in providing the financial advice you have requested (which may include ongoing service), such as fund managers who assist us in providing financial advice and paraplanners;
  • insurance providers, superannuation trustees and product issuers in connection with the provision to you of the financial advice you have requested;
  • organisations that assist in operating a financial planning business, such as those that provide administrative, financial, accounting, insurance, research, legal, computer or other business services;
  • your representatives or service providers such as your accountant, solicitor, tax agent, stockbroker or bank;
  • organisations involved in a business restructure or a transfer of all or part of the assets of our business or the due diligence procedures before any such sale or transfer;
  • government authorities and other organisations when required by law; and
  • Organisations to which you have consented to your personal information being disclosed.

In addition to the purposes of collection set out above, your personal information may also be used in connection with such purposes.

We will seek to ensure that your personal information is not used or disclosed for any purpose other than:

  • the primary purpose for which it was collected or a related secondary purpose;
  • where you have consented to the use or disclosure; or
  • in other circumstances where the Australian Privacy Principles authorise the use or disclosure, such as when it is required by or authorised under law.

We may disclose your personal information to third parties who provide services to us, in which case we will seek to ensure that the personal information is held, used or disclosed consistently with the Australian Privacy Principles.

Organisations outside Australia

We may need to share your information with organisations outside Australia in order to provide you with our services.

We may store your information in the cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under foreign law. In those instances, we will not be responsible for that disclosure.

We will not send personal information to recipients outside of Australia unless:

  • we have taken reasonable steps to ensure that the recipient does not breach the Privacy Act and the Australian Privacy Principles;
  • the recipient is subject to an information privacy scheme similar to the Privacy Act; or
  • the individual has consented to the disclosure.

Accessing your Personal Information

You can gain access to your personal information that we hold. This is subject to exceptions allowed by law, such as when providing you with access would have an unreasonable impact on the privacy of others. If we deny an access request, we will provide you with the reasons for this decision. To request access, please get in touch with us (see “Contacting Us and Privacy Issues” below).

 

Correcting Your Personal Information

We take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date. If you believe that any of our personal data is not accurate, complete or up-to-date, please contact us (see “Contacting Us and Privacy Issues” below) and provide us with evidence that it is not accurate, complete or up-to-date.

If we agree that the personal information requires correcting, we will take reasonable steps to do so. If we do not correct your personal information, we will provide you with the reasons for not correcting it. If you request that we associate with the information a statement claiming that the information is not accurate, complete, and up-to-date, we will take reasonable steps to comply with this request.

Contacting Us and Privacy Issues

You can obtain further information on request about how we manage the personal information that we hold, or you can raise any privacy issues with us, including a complaint about privacy, by contacting us using the details below. We are committed to resolving your complaint.

Operations Manager

Email: [email protected]

Phone: (03) 52 321 200

If you still feel your issue hasn’t been resolved to your satisfaction, then you can escalate your privacy concerns to:

Office of the Australian Information Commissioner * www.oaic.gov.au/privacy

Phone: 1300 363 992 * Email: [email protected]

Australian Financial Complaints Authority (AFCA)* – if lodging
* Website: www.afca.org.au

Email: [email protected]

Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001

The Australian Financial Complaints Authority, or AFCA, is a new external dispute resolution (EDR) scheme for dealing with complaints from financial system consumers.

AFCA replaces the three existing EDR schemes: the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO), and the Superannuation Complaints Tribunal (SCT), so consumers have access to a single EDR scheme.