FINANCIAL SERVICES GUIDE
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Every effort has been made to offer the most current, correct and clearly expressed information possible within this site. Nonetheless, inadvertent errors can occur and applicable laws, rules and regulations may change.
The information contained in this site is general and is not intended to serve as advice. No warranty is given in relation to the accuracy or reliability of any information. Users should not act or fail to act on the basis of information contained herein. Users are encouraged to contact Curve professional advisers for advice concerning specific matters before making any decision.
Purpose of Policy
At Curve Wealth Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Policy describes our policies and practices for collecting, handling, storing, using, and disclosing personal information. It also deals with how you can complain about a breach of the privacy laws, access the personal information we hold about you and have that information corrected (where necessary).
What personal information do we collect and hold?
When we provide you with financial advisory services, we ask you for the information we need to be able to understand your objectives, financial situation and needs. We collect your information through electronic, verbal, and
face-to-face communications and via the collection of information through financial product application forms, fact and data collection forms, website enquiry forms and by other means as required from time to time to ascertain data relevant to the provision of services you have engaged us to provide.
This can include a broad range of information from your name, address, contact details and age, to information about your personal affairs including (but not limited to) your income and employment details, your assets and liabilities, budgets, and goals. We may also collect your information from third parties such as from your bank, accountant, solicitor, insurer, superannuation fund manager etc, but only with your express consent to do so.
We only collect sensitive information such as tax file numbers, marital and health status (including family history) and heritage with your agreement and/or if it is necessary for us to do so to:
- understand your needs, objectives, and financial situation.
- make recommendations and provide advice.
- lodge applications as part of our recommendations to you that you have agreed to.
How do we use your information?
We use your personal information to understand your financial situation, formulate our professional advice and assist you to apply for relevant products. We also use it to manage your ongoing requirements and our relationship with you. E.g., keeping up-to-date and accurate cash flow records, review funds under management and insurance policies, ensure your estate planning remains relevant to your circumstances.
This includes contacting you by mail or electronically (unless you tell us you do not wish to receive electronic communications). From time to time, we may use your contact details to send you offers, updates, articles, newsletters or other information about products and services that we believe will be of interest to you. We may also send you regular updates by email or by post. We will always give you the option of electing not to receive these communications and you can unsubscribe at any time by notifying us that you wish to do so.
What if you don’t provide information to us?
If you do not provide us with some or all the information that we ask for, we may not be able to provide you with personal advice. You can contact us without using your name or by using a pseudonym. However, we may need your name or contact details to respond to you.
Web, mobile and digital data
If you enter personal information into our website such as your name, email address, phone number, financial circumstances, photographs, or other information that may reveal your identity or allow a profile to be built of you we may retain that information digitally. E.g., you complete an online enquiry form to learn more about our services or whether your circumstances fall within our service offering.
We may use technology such as cookies, beacons, tags, scripts, and tracking pixels to collect, store and use anonymous data about how you use our website and/or mobile technology. This includes your server address, the date and time of your visit, the pages and links accessed,
the type of browser used and other information about your browsing activities. This data is used to increase functionality and can also enable us to display information and content that is tailored to our understanding of your interests. This information alone cannot be used to discover your identity.
How do we store and protect your personal information?
We strive to maintain the relevance, accuracy, and completeness of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal reporting or document retention requirements.
We maintain physical security over our paper and electronic data and premises, by using locks and security systems. We ensure that your information is safe by only allowing authorised staff to access hardcopy files and setting different levels of permissions for staff access on electronic files. All access to files is immediately cancelled upon a staff member ceasing employment. If it’s stored electronically, it is in either:
- A secure cloud platform.
- A reputable financial planning software platform that has similar data security measures and details on these measures can be provided on request.
If your file is archived, it may be sent to an external data storage provider. We only use storage providers in Australia who are also regulated by the Privacy Act.
Will we disclose your personal information to anyone?
We do not sell, trade, or rent your personal information to others. We will disclose your information to banks, product providers (such as insurers and fund managers), accountants, solicitors and other third parties, but only with your permission.
We may also need to provide your information to contractors who supply services to us, for example to handle mailings on our behalf, external data storage providers, paraplanning service providers, external compliance specialists or to other companies in the event of a corporate sale, merger, reorganisation, dissolution, or similar event. We will take all reasonable steps to ensure that they protect your information in the same way that we do.
We may provide your information to others if we are required to do so by law or under some other unusual circumstances which the Privacy Act permits. We will not disclose your information to overseas recipients without prior consent from you. If they are not regulated by laws which protect your information that is, like the Privacy Act, we will take reasonable steps to ensure that they protect your information in the same way we do or seek your consent before disclosing your information to them.
Information sharing with Curve Accountants
If you engage the services of Curve Accountants as well as Curve Wealth, you provide your consent for all information and files that we hold relating to you and your related entities to be shared with Curve Accountants for the purpose of being provided with accounting advice and services, if you choose to engage such services. You are not in any way obligated to engage any accounting advice or services of Curve Accountants; you can revoke these consents at any time. This is solely intended to facilitate the free flow of information to improve the quality of the accounting, financial planning and other services provided to you.
How can you check, update or change the information we are holding?
You may ask us for access to your personal information and to correct it at any time. Upon receipt of enough information to allow us to identify the information, we will tell you what personal information we hold about you. We will also correct, amend, or delete your personal information if we agree it is inaccurate, irrelevant, out of date or incomplete. To access or correct your personal information, please write to Curve Wealth Pty Ltd, [email protected], PO BOX 81, Moorabbin, VIC 3189.
We do not charge for actioning a request for access to personal information or complying with a correction request unless:
- We are no longer engaged by you to provide you with financial advice.
- Your information is more than 12 months old and/or has been archived.
- Your request is to provide copies of documentation originally provided by you.
- You have been provided with the information previously in either hardcopy or digitally.
We may charge you for our reasonable expenses incurred in providing you with access to your information if any of the above scenarios apply. In some limited situations, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal.
What happens if you want to complain?
We will consider your complaint through our internal complaints’ resolution process, and we will respond within 5 days of you making the complaint. If you do not get a satisfactory outcome within that timeframe, please put your complaint in writing and send it to our licensee, Curve Wealth Pty Ltd at PO Box 81, Moorabbin VIC 3189 or by email to [email protected].
By asking us to assist with your financial planning needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Updating this policy