Privacy Policy Statement
What is Privacy?
Privacy is the ability of
you the individual to exercise a substantial degree of control
over the collection, use and disclosure of your personal
information. Amendments to the Commonwealth Privacy Act 1988
(the Act) which currently apply to bodies such as Commonwealth
Agencies, Credit Reporting agencies, Credit Providers and Tax
File number recipients reinforces this ability and extends the
rights of individuals. On December 21, 2001 the amendments to
the Privacy Act became effective and included most organizations
in the private sector, including Charter Financial Planning
Limited and us, Quantum Planning Solutions Pty Ltd, as
authorized representatives acting on behalf of Charter Financial
Planning Limited, Australian Financial Services Licensee
#234665.
Service Provided
We collect information
about you for the purpose of ascertaining your present and
ongoing financial needs, priorities, concerns and lifestyle
objectives, and to facilitate the provision of high quality
professional financial planning services and advice in a manner
consistent with your wishes and expectations. This constitutes
the primary purpose in collecting the information by us.
The Policy
This policy imposes
obligations to ensure the accuracy of information collected,
used or disclosed. All reasonable steps will be taken to protect
your information from misuse, loss and unauthorized modification
or disclosure.
Collection and use of information.
We will only collect
personal information that is necessary for the legitimate
business functions of providing financial planning services and
advice. We will only collect personal information by lawful and
fair means.
We will not use personal
information for any purpose other than which is related to the
services provided. We will not disclose, sell, distribute, rent,
share or pass on any personal information collected about you to
any party other than for the purpose that has been disclosed.
From time to time we may
bring to your attention products, services or other information
that may be relevant to your financial needs. At this time we
will give you the opportunity to discontinue receiving this type
of information.
We also collect data from
our website to determine usage patterns, help make the website
easier to use and enable us to better meet the needs of its
users in terms of content. Information may be collected directly
from you, such as name and e-mail address, or through the use of
“cookies” exchanged between the web site and your computer. A
“cookie” is a small file which remains on your computer and
contains information enabling our website to recognize your
browser. You have the option to disable the use of cookies on
your browser. All information collected via the web site will be
subject to the same Privacy outlined in this policy.
Accessing and correcting information held
You have the right to
access personal information we hold about you. However, there
are a number of circumstances where we have the right to deny
access to this information. These are where:
-
Releasing the
information can or will have an unreasonable impact on the
privacy of others; or it is unlawful to do so; or
-
It may endanger the
safety or physical or mental health of any person; or
-
It may prejudice an
investigation of possible fraudulent or other illegal
activity; or
-
The request for
access is frivolous or vexatious; or
-
The information
relates to existing or anticipated legal proceedings
involving us or Charter Financial Planning Limited, and the
information would not be accessible by the legal process of
discovery.
Where we do deny access
we will provide you with a reason in writing for this denial.
Alternatively, if deemed reasonable, we may consider providing
access to your information to a mutually agreed intermediary in
order o meet the needs of both parties.
We will take reasonable
steps to ensure your personal information held is accurate,
complete and up to date. If you consider any information held is
not accurate or up to date we ask that you contact us regarding
any proposed alterations.
Disclosure of information collected
We will not use your
personal information for any purpose other than which is related
to the service provided. We may use this information for a
secondary purpose if it is related to the primary purpose, where
you would reasonably expect us to use the information, or where
it has been provided with your consent to use the information in
a particular manner.
Provision of further information
You have the right not to
receive information from us. At the time of receiving your
request we will record this in our records. However, it is
important that you consider the benefits of receiving such
information before you make an election to cease receiving any
direct information from us.
Complaints
If you have complaint in
relation to Privacy, you should take the following steps:
Contact us and inform of
your concerns.
-
If we cannot
satisfactorily resolve your concerns within 3 days, we must
inform you to contact Charter Financial Planning Limited
directly and will provide you with the appropriate contact
details. We assure you that we will take your concerns
seriously and attempt to resolve the complaint as quickly
and fairly as possible.
-
If, after receiving
the Charter Financial Planning Limited response you are
still not satisfied, you may contact the Director of
Compliance, at the Office of the Federal Privacy
Commissioner, GPO Box 5218 Sydney, NSW 1042.
Commitment to Privacy & Responsible Use
of Information
We respect your privacy
and are committed to never using any personal information
provided via this website, in a way which erodes this privacy.
The personal details we do request will not be passed on to a
third party or used for purposes other than that which is stated
on this site. We will not publish, sell, trade, loan, rent,
disclose or re-use the information you give us.
What Information is Collected & Why
Data is collected from
our web site to determine which pages are the most popular, what
country users come from, peak usage times and similar
information. This data is collected to make our site easier to
use so that you can find the information you need more quickly.
We also request your name
and email address when you register with us on the site. This is
used to personalize your next and subsequent visits to our site.
In addition to this individual registration we set a “cookie” on
your machine for further personalization. A cookie is a small
piece of information which is stored on your hard drive. The
cookie links to your personalization information on our system.
If you do not wish to use cookies, you can set your browser so
it will not accept them.
The site personalization
is specific to your requests and you don’t have to fill in
details about your current investments and policies.
We will occasionally
email you information we think is relevant to your. Of course,
you have the opportunity to ask us not to send you information.
Links to Other Sites.
There are links to other
sites which provide services for you on the Charter Financial
Planning site. None of these links comprise or imply support or
recommendation of any other company, product or service. We do
not control and are not responsible for the information on any
other site found through our site.
“AXA Australia Privacy Policy”
AXA Australia is
committed to upholding the Privacy Act 1988 (and Amendment 2000)
which outlines how organizations should manage and use personal
and sensitive information collected and held about their
customers.
What type of personal information do we
collect?
At AXA, we will only
collect personal information which is necessary to provide you
with a financial service or product. When we collect your
personal information, we will tell you why the information is
collected, who it will be shared with, and inform you of the
consequences if all or only part of the information is not
provided to us.
Examples of personal
information that maybe collected by us includes: name, address,
marital status and date of birth. In the instance of providing
life insurance we will also collect information that may
include: type of employment, medical reports including medical
history, financial reports, tax returns and previous insurance
history.
On our web site we
collect data to help us determine which pages are most popular,
peak usage times and other information that helps us make our
web site easier and more efficient for you to use. When you
visit our web site we ask you to register your name and e-mail
address with us and set a cookie on your machine (this is a
small piece of system information stored on your hard drive) so
when you next visit our site it links to your personal
information that is stored on our system. If you do not wish us
to use a cookie you can set your browser so it will not accept
them.
How we manage your personal information
At AXA we will not
disclose any personal information to a third party except as
permitted by law and in accordance with the Privacy Act. AXA has
privacy standards that must be met for all arrangements between
AXA and third parties. We will take steps to ensure that the
information we hold about you is accurate when we use or
disclose it. If you think that we hold information about you
that is incorrect in any way, please contact us. We will take
all reasonable measures to protect personal information that we
hold from misuse, loss and unauthorized access, modification or
disclosure. We will, where practicable, destroy or permanently
de-identify personal information that is no longer needed.
How to Access Your Personal Information
You may have access to
the personal information AXA holds on your behalf on request,
except in circumstances where access may be denied under the
Privacy Act. AXA reserves the right to determine the manner in
which the information is accessed. If we deny you access we will
provide you with a reason and, depending on the circumstances of
the denial, we may provide sufficient access to information
through mutually agreeable intermediaries to meet the needs of
both parties. If you request access to your personal
information, you may be charged a fee for costs incurred such as
photocopying, administration and postage.
Privacy Complaints
If you have any queries
or complaints in regard to our collection, use or management of
your personal information, please contact our office through
your normal channels or in writing to The Group Privacy Officer,
Level 10, 750 Collins Street, Melbourne Victoria 3008. If we
cannot satisfactorily resolve your concerns you may contact the
Privacy Commissioner in writing:
Charter FP Website Privacy Statement
Commitment to Privacy & Responsible Use
of Information
We respect your privacy
and are committed to never using any personal information
provided via this website, in a way which erodes this privacy.
The personal details we do request will not be passed on to a
third party or used for purposes other than that which is stated
on this site. We will not publish, sell, trade, loan, rent,
disclose or re-use the information you give us.
What Information is Collected & Why
Data is collected from
our web site to determine which pages are the most popular, what
country users come from, peak usage times and similar
information. This data is collected to make our site easier to
use so that you can find the information you need more quickly.
We also request your name
and email address when you register with us on the site. This is
used to personalize your next and subsequent visits to our site.
In addition to this individual registration we set a “cookie” on
your machine for further personalization. A cookie is a small
piece of information which is stored on your hard drive. The
cookie links to your personalization information on our system.
If you do not wish to use cookies you can set your browser so it
will not accept them.
The site personalization
is specific to your requests and you don’t have to fill in
details about your current investments and policies.
We will occasionally
email you information we think is relevant to your. Of course,
you have the opportunity to ask us not to send you information.
Links to Other Sites
There are links to other
sites which provide services for you on the Charter Financial
Planning site. None of these links comprise of imply support or
recommendation of any other company, product or service. We do
not control and are not responsible for the information on any
other site found through our site. |
