Privacy Policy
General Disclaimer
This website and any information within it is not intended to constitute any form of financial advice regarding property, or other financial product. We recommend that you seek your own independent legal or financial advice before proceeding with any investment decision. This website may contain general information only and should not be construed or relied upon as legal, financial or professional advice. Accordingly the recipient should note that the information has been prepared without taking into account the recipient's objectives, financial situation or needs; and because of that, the recipient should, before acting on the information, consider the appropriateness of the information, having regard to the recipient's objectives, financial situation and needs, and obtain individual advice on this matter.
J Financial Privacy Policy
At J Financial we understand that the privacy of your information is important to you and we respect the confidentiality of the information that you provide to us. Protecting your information is an important part of maintaining trust between us and our clients and by handling information in a secure manner we build strong business relationships. This document provides information and details about how we manage the personal information that we collect, hold, use and disclose about individuals. The Privacy Policy also applies to all entities within J Financial. It also includes our aggregator, Finsure Finance and Insurance Pty Ltd ACL 384704. We are bound by the Privacy Act and we manage and protect your personal information in accordance with the Australian Privacy Principles.
Why We Collect and Use Personal Information
We collect, hold, use and disclose personal information so we can provide you with financial and credit products, advice and service relevant to your needs. We may also collect, use and disclose your information for related purposes such as: complying with our legal obligations, such as verifying your identity; assisting with your questions and complaints; arranging for services to be provided by third parties; internal operations, such as record keeping, data analytics, auditing or training; and promotion of other products and services that may be of interest to you.
What Personal Information We Collect
We ask people for a range of personal information to assist us in providing relevant products and services. The information we collect could include (but is not limited to) your name, date of birth, contact details, financial information, employment details, residency and citizenship status. We may also collect the personal information of your family members where it is relevant to the advice being provided. We may also collect sensitive information about your medical history and health and lifestyle to provide financial advice about life insurance products.
Cookies and Web Technologies
Some personal information may be collected automatically, without your knowledge, whilst navigating through and interacting with the content of our websites. The electronic methods of collection we use include cookies, log files and web beacons. Cookies are a small text or pixel file stored on your device that records information about your visit to our websites. We use cookies to improve your website experience, to serve you with relevant information and to manage your access to certain parts of our websites. You can choose if and how a cookie will be accepted by changing your browser settings; but please be aware that this may affect your access to some parts of our websites.
Accessing and Updating Personal Information
You can request access to personal information we hold. There may be a cost involved with locating, copying or sending you the information you request. The cost will be discussed and agreed with you at the time. There may be circumstances where we refuse to provide you with the information you request, for example when the information is commercially sensitive. In these situations, we will inform you and provide an explanation as to why. We will deal with requests for access to your personal information as soon as possible and aim to respond within 14 business days.
Who We Share Personal Information With
From time to time we may share your personal information with other entities both within and outside of the Licensee. This will vary according to the product or service involved, but could include: any person acting on your behalf, including your financial adviser, solicitor, accountant, executor, administrator, trustee, guardian or attorney; financial product and service providers; lenders and other credit providers; organisations who assist us with certain business functions, such as auditors, compliance consultants, and information and communication technology support; our solicitors, our insurers, courts, tribunals and dispute resolution organisations; and anyone to whom we, or our service providers, are required or authorised by law to disclose your personal information.
How We Protect Personal Information
We strive to ensure that the personal information that you provide to us is stored safely and securely. We take a number of precautions to protect the personal information we hold about you from misuse, interference and loss, and from unauthorised access, modification or disclosure. We have a range of practices and policies in place to protect personal information we hold, including: educating our staff about how to protect your personal information; requiring staff to use passwords when accessing our systems; employing physical and electronic means to protect against unauthorised access; and employing firewalls, intrusion prevention systems and virus scanning tools.
Complaints About Privacy
If you have a complaint about how we have handled your personal information, please contact us at [email protected] or 0434 673 835. We will acknowledge receipt of a complaint immediately and respond to you within 45 days. If you are not fully satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at GPO Box 5218 Sydney NSW 2001, phone 1300 363 992, email [email protected]. You may also direct privacy complaints related to financial advice to the Australian Financial Complaints Authority (AFCA) at GPO Box 3, Melbourne VIC 3001, phone 1800 931 678, email [email protected].
About This Policy
We may amend or update our Privacy Policy as required by law or as our business processes or technology changes. We will post the updated policy on our website. We encourage you to check our website from time to time to view our current policy or contact us for a copy.