Privacy policy
Your privacy is important to us at FSS Financial Planning.
Why we collect information
We collect personal information1 to:
- provide you with, implement and review financial planning advice and services
- communicate with you in relation to the advice and services we provide you with
- determine future business strategies and products and to develop our services
- provide you with information regarding products or services offered by FSS Financial Planning which may be of interest to you.
Where we collect health information2, it is used for the purpose of ensuring any advice and/or products recommended are tailored to your individual needs.
How we may collect information
You may supply personal and/or health information to us in a number of ways. These include by completion of a FSS Financial Planning form, by completion of another party’s application form which you forward to us, during an interview, by telephone, facsimile, letter, email or online. In addition to this, where you have granted express consent, we may collect personal information from any party who has, does or will provide products and or services to you (this may include for example your superannuation fund, regulatory authorities or other financial planning organisations, financial advisers or financial product issuers).
How that information is used
We will only use your personal and/or health information for the purpose for which it was collected (see `Why we collect information’) or related purposes which would reasonably be expected without your permission.
At all times, we respect your right to ask us not to use any personal and/or health information supplied to us at any time.
In the course of doing business, FSS Financial Planning may outsource certain tasks to third party suppliers such as mailing houses, information technology support and email suppliers. From time to time we also seek expert help to improve our systems, products and services. In these circumstances we may disclose your personal information to third parties3 who we will require to hold this information confidentially and in accordance with the requirements of privacy law. Your personal information will not be shared with third parties, other than of this kind, without your consent.
Disclosure to third parties
- Your health information will not be provided to any other party.
- We do not sell personal or health information to other parties.
- We may be required by or under law to disclose information and or to report on prudential or risk management matters to regulators.
What if you do not provide full or accurate information?
If you do not provide full or accurate information, we may not be able to provide you with the products and/or services you are seeking.
Keeping information accurate and up to date and how you can access it
We take all reasonable steps to ensure that all information we hold is as accurate as possible, You can contact us to request access to your information and or to ask for its correction if any of the details you have provided change or you believe that the information we have about you is not accurate, complete or up-to-date. In normal circumstances we will give you full access to your information. There may be some charge to give you full access where your request requires the retrieval and compilation of information that has been archived or is significant in volume. In limited circumstances there may be some legal or administrative reasons to deny access. If access is denied, we will provide you with the reason why.
Personal Information Security Breach4
As part of good privacy governance, Q Invest will assess each breach on a case-by-case basis, undertake an assessment of the risk involved and what action shall be taken in each circumstances.
Q Invest will notify the client/s within 5 business days of a personal information security breach occurring. If the breach appears to involve theft or other criminal activity, notification to police will occur.
Spam Act 2003 (Cth)5
Q Invest will not send commercial electronic messaging to a client/s without their prior consent. Messages will only be sent to an address when the responsible person is known and has consented to receive it (whether expressly or impliedly).
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1 personal information means information or an opinion about an individual whose identity is apparent or can reasonably be ascertained. It includes your name, age, contact details, employment details and history, as well as your financial and investment information.
2 health information means information or an opinion about the health or a disability (at any time) of an individual, or an individual’s expressed wishes about the future provision of health services or a health service provided, or to be provided to an individual, that is also personal information
3 Except for which is the legal owner of all records generated by FSS Financial Planning in the course of providing financial planning services to you.
4 Personal information security breach occurs when personal information is subject to loss or unauthorized access, use, disclosure, copying or modification. Examples of these include:
> lost or stolen laptops, removable storage devices, or physical files containing personal information;
> paper records inadequately recycled or left in garbage;
> computer hard drives and other storage media being
> mistakenly providing personal information to the wrong person, for example by sending details out to the wrong address;
> an individual deceiving Q Invest into improperly release the personal information of another person;
> databases containing personal information being ‘hacked’ into or otherwise illegally accessed by individuals outside the company; and
> employees accessing personal information outside the requirements of their employment.
5 Spam Act 2003 (Cth) legislates and prohibits the sending of “unsolicited commercial electronic messaging”. Examples of “electronic messaging” covers;
> emails;
> instant messaging; and
> SMS and other mobile phone messaging,
but does not cover normal voice-to-voice communication by telephone.
Security
We are committed to keeping secure the personal and any health information we collect about you.
We take all reasonable precautions to protect it from misuse and loss and from unauthorised access, modification or disclosure. From time to time, where information we hold is identified as no longer needed for any purpose we may take reasonable steps to effectively and securely destroy it.
Ownership of documents
Means all records generated by Q Invest in the course of providing or potentially providing financial planning services to a member under the Financial Planning Services Agreement – FSS Trustee Corporation as trustee for First State Superannuation Scheme.
Changes to our privacy policy
We may make changes to this privacy policy and information handling practices from time to time for any reason. We will do this by updating this document.
Contact Us
If you have any questions regarding our privacy policy or handling of information, please contact our
Privacy Officer:
Postal address
FSS Financial Planning
PO Box R352
Royal Exchange NSW 1225
Email enquiries@fssfp.com.au
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Contact numbers
T 1800 665 756 (toll free)
F 1800 459 182 (toll free)
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