1. This privacy statement sets out Financial Advice Centre Pty Limited's (also, we, us, our) management of the personal information collected on behalf of our clients. We abide by a strict Code of Practice of the Australian Direct Marketing Association (ADMA), which requires that we handle customer's personal details responsibly. This Code also requires that we act fairly and honestly in all of our dealings with our client's customer transactions.

2. Further details regarding the ADMA Code of Practice are available at ADMA's website: http://www.adma.com.au/information/codeofpractice.htm
The information we collect about customers is only used for two purposes:
(a) to facilitate their request; and
(b) to create a more efficient and more personalised experience for the customer.

3. Our privacy standards are derived from the world's best business practices. We are bound by the 10 National Privacy Principles under the Privacy Act 1988 (Cth). Further information regarding the National Privacy Principles is located on the Office of the Privacy Commissioner's website at http://www.privacy.gov.au or by telephoning 1300 363 992.

4. Information Collection/Use
• We collect two types of information from customers - personal information and sensitive information.
• Personal information is information however captured or stored that is of a private and confidential nature that is not public knowledge and relates to an individual or individuals and includes personal details. Generally, personal information is comprised of customers' name, address, date of birth, telephone, fax and email contact details as well as financial details.
• Sensitive information is a sub-set of personal information. It includes information or an opinion about an individual's racial or ethnic origin, political opinions, membership of a political organization, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade union, sexual preferences or practices, criminal information or health information about an individual.
• If we do not collect personal information from customers then this can either delay or prevent us from providing goods or services to customers.
• We only collect personal information that is necessary for the successful delivery of products or services. For example, we will request our customers’ name, address, date of birth, income, dependant’s details. This enables us to provide appropriate advice to our customers. We only collect sensitive information about you in order to complete your application. For example, we will request your medical history.
• In the instance that is necessary to collect sensitive information to provide a specific product we will always obtain the customer's prior consent and disclose why the information is required.
• We always tell the customer who we are or who we are acting on behalf of and what we or our clients intend to do with your information when it is received. We strive to be open - we will let you know what sort of personal information we hold, how we collect it and how we use or disclose it, if you want to know.
• We also ensure that your personal details are accurate, complete and up-to-date when we use or collect them, through our verification process. If we hold information relating to a person then that person may, after verification of their identity, request at any time that any or all of that information be removed or updated.
• We only collect personal information by lawful and fair means. This means we are never unreasonably intrusive when it comes to dealing with customers. From time to time, we may also collect non-personal information from customers. This helps us and our clients in the ongoing efforts to improve the products and services offered.
• Whenever possible, we will collect information directly from the customer. If we collect details about a customer from someone else, we will, whenever possible, make sure the customer is aware that this has occurred, and why.

5. Information Security
• We will take all reasonable steps to protect the security of all customers' personal information held. We only permit customers' personal information to be accessed by our authorised personnel and then only for the purposes set out at paragraph 2 above.
• We take all reasonable steps to destroy or permanently de-identify customers' personal information once it is no longer required for the purposes set out at paragraph 2 above, or earlier if a customer requests us to.
• We do not collect personal information about you without your knowledge when you visit our web-site. We do not use cookies or other tracking devices to trace or track visitors to our site.

6. We Respect Your Preferences
• Our clients may also use the information we collect to keep you informed about their new products and services, or to let you know about special offers you might find worthwhile. If you would rather not receive this information, you can inform our staff of this preference when you are talking to them or email us at: adviser@fac.com.au and we will remove your name from our distribution list.
• We always provide customers with an opportunity to opt out of receiving future offers. If customers do not wish to receive future marketing information, they may simply inform our staff of this preference when talking to them and we will delete your details from all internal marketing distribution lists and future campaigns. Alternatively, customers may email us at adviser@fac.com.au.
• If the customer prefers, wherever possible , we deal with customers anonymously when entering transactions.

7. Offering Information to Other Parties
• Financial Advice Centre will only use or disclose information about customers in ways that they would reasonably expect such information to be used when providing it to us.
• Financial Advice Centre will only pass customers' personal information to an unrelated third party if the customer has agreed to purchase a product from the third party or has provided their prior consent to this.
• The only exceptions to this are if a law enforcement agency or other government agency exercises its legal authority and requests the information or if Financial Advice Centre has de-identified the information for the purpose of providing anonymous, aggregated, statistical information to a third party. If a customer consents, their details may be passed by us to a few select companies whose products or services are similar or complementary and which it is considered that the customer may be interested in.
• If a customer does agree to have their details transferred in this manner, be reassured: our privacy policy continues to apply if we transfer customers' personal information to other organisations.
• We do not sell, rent or purchase any personal information for any secondary commercial purpose.

8. Let Us Know What You Think
Privacy is a sensitive issue. If at any time, a customer feels that we have not adhered to these principles, please let us know by e-mail at adviser@fac.com.au or by telephoning 1300 88 77 61 and we will make every effort to review and correct the problem. We also welcome questions and comments about our privacy policy and our Code of Practice. A copy of our Code of Practice will be sent to via email or post upon request made to us by telephone or email.