Privacy Policy

Carnbrea & Co Limited ("Carnbrea") provides accounting and financial services; as a holder of an Australian Financial Services Licence it specialises in professional financial planning, advice and implementation services.

We respect your privacy. Accordingly, we have developed this Privacy Policy that outlines our approach to handling your personal information and the way Carnbrea collects, holds, verifies, accesses, uses and discloses information about you. (As you read this document please note that "Carnbrea" "we", "our", and "us" means Carnbrea & Co Limited.)

We are bound by, and committed to supporting, the Privacy Act and the National Privacy Principles regulated by the Federal Privacy Commissioner that guide us in the responsible handling of your personal information.

Key information is set out in answer to the questions below. If you need more information or clarification, please ask us.

Personal information we collect about you

As a professional accounting and financial planning organisation our ability to provide you with a comprehensive and appropriate advisory service is dependant on us collecting personal information about you. The type of information we collect and hold about you varies depending on the type of product or service you require and may include:

• your name, address and contact details
• your date of birth, age and retirement plans
• your financial needs and objectives
• employment details and employment history
• details of your current financial circumstances, including your assets and liabilities, income, expenditure, insurance cover and superannuation
• details of your investment preferences and aversion or tolerance to risk
• information about your employment history, employment circumstances, family commitments and social security eligibility, and
• other details such as health or personal matters that may affect the advice we provide to you.

We collect most personal information about you, directly from yourself or from a third party you have authorised to provide that information to us. Generally, your personal information will be collected in either meetings with our advisers or via completing a data collection form. We may also collect information from you via the telephone, mail, fax or e-mail. From time to time additional and/or updated personal information may be collected through one or more of these methods.

You may choose not to provide us with your personal information. Depending on the nature and quality of the information you choose to withhold, we may not be able to provide you with advice or implement strategies entirely appropriate to your financial needs and objectives.

How we use your personal information

Our business is to understand and meet your needs for a wide range of financial services which include, (but are not limited to):

• financial advice and services
• assessment of your risk tolerance to determine strategies and recommendations consistent with your financial needs, objectives and personal circumstances
• investment products and services such as managed investment funds and investor directed portfolio services
• superannuation products, such as superannuation funds, investments for superannuation funds and investment insurance policies
• life insurance products, such as insurance for your life, permanent disability and income replacement

To do this effectively, we need to collect certain personal information. The information you provide to us about your health may be used to assess your risk tolerance and appropriate investment recommendations or to determine the suitability and correct pricing of risk products.

From time to time, we may also use the personal information collected from you for marketing communications activities such as providing you with investment articles that may be of interest to you. We respect your choice to opt out of these activities. Should you decide you do not wish to receive any marketing or promotional material from us at any time, please let us know by writing to us at PO Box 533 South Melbourne VIC 3205 or call us on (03) 8319 8666. Please allow 2 weeks for your request to be actioned.

Disclosure of your personal information to outside parties

Carnbrea may share information with organisations that assist us to administer your investments or provide you with products and services including our internal and external service providers such as administrators, legal advisers, accountants, fund managers and insurance companies. We will only provide these organisations with the information they need to deliver the relevant service.

There are circumstances under which Carnbrea may disclose your personal information, for example when disclosure is required or authorised by law (for example, disclosed to the Australian Taxation Office or where disclosure is necessary to protect our interests).

We will also disclose your personal information if you give your consent for us to do so. We do not sell mailing lists.

Security of your personal information

We are committed to protecting your personal information held, either physically or electronically, from misuse, loss, unauthorised access, modification or disclosure. We have taken reasonable steps to secure your personal information.

Access and correction of your personal information

Under the National Privacy Principles you are generally entitled to access the information we hold about you. In normal circumstances we will give you full access to your information. The time we require to give you access will depend on the type of information requested. However, there may be reasons to deny access, such as when your request may unreasonably impact upon another person’s right to privacy. If your access is denied, we will provide you with the reason.

Where access is provided, we will require you to provide evidence of your identity and we may charge a fee based on the time spent retrieving, collating and producing the information. This fee will be disclosed to you at the time of your request.

Updating your personal information

Carnbrea takes all reasonable steps to ensure that all information we hold is as accurate as possible. If you become aware, or believe, that any personal information which we hold about you is inaccurate, incomplete or outdated, you may contact us and ask for your personal information to be corrected. Unless we disagree with you about the accuracy, currency or completeness of a record, we will generally make the correction on request, (or suggest alternative arrangements for updating our records). If we disagree with you, we will give you our reasons and record your objections on your file

What to do if you have a question or complaint

If you require more information about the way Carnbrea manages personal information or wish to make a complaint about a breach of your privacy, you should contact the Privacy Officer by any of the methods listed. Your complaint will be considered and responded to within 7 days.

If you are not satisfied with our response to your complaint, you can telephone the Commonwealth Privacy Commissioner’s hotline on 1300 363 992.

Will this privacy policy change?

From time to time, it may be necessary for us to review and revise the policy. We reserve the right to change the policy at any time and may notify you of the change in writing.

Contact Details

Privacy Officer: Ms Jayne McDonald
Address: Carnbrea & Co Limited
PO Box 533
South Melbourne Vic 3205
Telephone: (03) 8319 8666
Facsimile: (03) 9690 0514