Privacy Policy

1. Investstone Wealth Management Pty Ltd abides by the National Privacy Principles established under the Privacy Amendment (Private Sector) Act 2001.
   
2. As a financial and investment planning organisation we are subject to certain legislative and regulatory requirements which necessitate us obtaining and holding detailed information which personally identifies you and/or contains information or an opinion about you ("personal background information"). In addition, our ability to provide you with a comprehensive financial planning and advice service is dependent on us obtaining certain personal information about you, including:
   
   • Employment details and employment history;
   • Details of your financial needs and objectives;
   • Details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, insurance cover and superannuation;
   • Details of investment preferences and aversion or tolerance to risk;
   • Information about your employment history, employment circumstances, family commitments and social security eligibility.
     
3. As we are required pursuant to the Corporations Act to collect sufficient information to ensure appropriate advice can be given in respect of recommendations made to our clients, if you elect not to provide us with the personal information referred to above, we may elect to terminate our agreement to provide advice to you if we believe we are unable to provide you with a complete service.
   
4. We will only collect, maintain and use Personal Background Information about you if it is necessary for us to adequately provide to you the service you have requested including:
   
   • The preparation of your financial and investment plan;
   • The provision of financial planning advice to you;
   • Making securities and investment recommendations and attending to lodgement and execution of such recommendations;
   • Ongoing review of your financial and investment plan;
   • Reviewing securities and investment recommendations.
     
5. Details information use and disclosure policies. We will not use or disclose Personal Information collected by us for any purpose other than : (a) the purposes for which it was provided or secondary related purposes in circumstances where you would reasonably expect such use or disclosure; or (b) where you have consented to such disclosure; or (c) where the National Privacy Principles authorise use or disclosure where required or authorised under law, in circumstances relating to public health and safety and in connection with certain operations by or on behalf of an enforcement body. We are obliged pursuant to the Corporations Acts to maintain certain transaction records and make those records available for inspection by the Australian Securities and Investments Commission. We may use the personal information collected from you for the purpose of providing you with direct marketing material such as newsletters and articles that may be of interest to you, however you may, by contacting us by any of the methods detailed below, request not to receive such information and we will give effect to that request. Please allow 2 weeks for your request to be actioned. In the event that we propose to sell our business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is effected, we may transfer your personal information to the purchaser of the business. As a client you will be advised of any such transfer.
   
6. Details document storage and security policies and practices. Your personal information is generally held in your client file. Information may also be held in a computer database. We will at all times seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access, modification or disclosure. At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential. All computer-based information is protected through the use of access passwords on each computer and screen saver passwords. Data is backed up each evening and stored securely off site. In the event you cease to be a client of this organisation, any personal information which we hold about you will be maintained in a secure off site storage facility for a period of 7 years in order to comply with legislative and professional requirements, following which time the information will be destroyed.
   
7. Details how the individual may gain access to their personal information. You may at any time, by contacting us by any of the methods detailed below, request access to your personal information and we will subject to the following exceptions) provide you with access to that information either by providing you with copies of the information requested or providing you with an accurate summary of the information held. We ill, prior to providing access in accordance with this policy, require you to provide evidence of your identity. We will not provide you with access to your personal information if:
   
   • Providing access would pose a serious threat to the life or health of a person;
   • Providing access would have an unreasonable impact on the privacy of others;
   • The request for access is frivolous or vexatious;
   • The information related to existing or anticipated legal proceedings between us and would not be discoverable in those proceedings;
   • Providing access would reveal our intentions in relation to negotiations with you in such a way as to prejudice those negotiations;
   • Providing access would be unlawful;
   • Denying access is required or authorised by or under law;
   • Providing access would be likely to prejudice certain operations by or on behalf of an enforcement body or an enforcement body requests that access not be provided on the grounds of national security.
     
8. Details access and correction policies and procedures. We will endeavour to ensure that, at all times, the personal information about you which we hold is up to date and accurate. In the event that you become aware, or believe, that any Personal Background Information which we hold about you is inaccurate, incomplete or outdated, you may contact us by any of the methods detailed below and provide to us evidence of the inaccuracy or incompleteness or outdatedness and we will, if we agree that the information requires correcting, take all reasonable steps to correct the information.
   
9. Details how a privacy complaint may be made. If you wish to complain about any breach or potential breach of this privacy policy or the National Privacy Principles, you should contact us by any of the methods detailed below and request that your complaint be directed to the Privacy Officer. Your complaint will be considered within 7 days and responded to. It is our intention to use our best endeavours to resolve any complaint to your satisfaction, however, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.

   Contact details
   Privacy Officer: Ian Murdoch
   Address: PO Box 1290, Carlton, Vic 3053
   Telephone: 03 9663 1570
   Email: newsletter@investingtimes.com.au