Powell Capel Securities

Powell Capel Securities Pty Limited ABN 63 066 548 098

Introduction
Powell Capel Securities Pty Limited (Powell Capel) respects your right to privacy and protecting your personal information. We are bound by the National Privacy principles in the Privacy Act 1988 (Commonwealth) and, in relation to financial planning, to the rules of professional conduct of the Financial Planning Association of Australia. Our staff are trained to respect your privacy in accordance with our standards, policies and procedures.

About This Privacy Policy
This Privacy Policy outlines how we manage your personal information. It also describes generally the sorts of personal information held and for what purposes and how that information is collected, held, used and disclosed.

The Information We Collect
Personal information is information or an opinion which can be used to identify you, whether true or not. The types of personal information we collect can be found in the questions we ask and in the forms we provide for you to complete.

We may collect information on your financial situation, likes and dislikes and, for example, your medical and lifestyle information for risk insurance protection, which may include your sexual activity. We do not use or share that information for any purpose other than that for which the information is collected or approved by you, unless otherwise disclosed to you when the information is collected.

We do not collect information about your political or religious beliefs, or ethnic background unless it is required for a purpose specifically disclosed to you at the time of collection.

How We Collect Information
We collect most personal information direct from you. For example when you complete or help to complete a client questionnaire (which is required before we can prepare a Statement of Advice), or when you fill in an application form, notify a change of address, deal with us over the telephone, send us a letter, or meet with us.

In certain cases, we collect your personal information from other sources. For example, personal information may be given by your employer in relation to membership of a corporate superannuation fund or from a family member who nominates you as a beneficiary to their assets. We will take reasonable steps to let you know that we have the information. This may include asking the person who gave us your information to let you know that we have it.

If You Provide Incomplete or Inaccurate Information
We only collect personal information about you that is necessary to perform our functions and activities. If you do not provide this information or provide incomplete or inaccurate information, we may not deal with you or otherwise we may not be able to provide you with the product recommendations or services you are seeking.

How That Information Is Used
We collect personal information to recommend financial products and services to you.

Personal information may be used and disclosed within Powell Capel to develop suitable financial planning strategies and administer your portfolio.

The information may also be used to:

tell you about products that we may recommend and our services (unless you have asked us not to) or recommend financial investments;
maintain your relationship with us.
comply with legislative and regulatory requirements (this may include making certain records available for inspection by the Australian Securities and Investments Commission, Australian Prudential Regulatory Authority or Australian Taxation Office).

Tax File Numbers or Other Government Identifiers
We only use and disclose your tax file number or other government agency identifier for the purposes required by law, such as disclosing your TFN to the Australian Taxation Office.

Disclosing To Third Parties
We only disclose your personal information to third parties with your express or implied consent, or where we are otherwise entitled or required to do so by law, or for the delivery of the product or service requested by you. The types of third parties we may disclose your personal information to include:

any product provider that we have recommended and that you have given your authority to proceed with;
any person acting on your behalf, or nominated by you to receive certain information, including your broker, solicitor or accountant (unless you tell us not to);
your executors, administrator, trustee, guardian or attorney;
regulatory bodies, government agencies, law enforcement bodies, courts and other parties we are authorised or required by law to disclose information to;
any financial institution nominated by you – for example in a direct debit;
professional association or organisations (such as Financial Planning Association of Australia) for the purpose of ensuring compliance with industry codes of conduct;
insurers, including proposed insurers;
claims assessors and investigators, claims managers and reinsurers;
medical practitioners; and
external dispute resolution bodies (such as Financial Industry Complaints Service Limited or Superannuation Complaints Tribunal).

Outsourcing
We may disclose personal information to external organisations that help us provide services. For example, we may seek expert help from time to time improve our IT systems. We may provide files for review for compliance purposes.

Keeping Information up-to-date
Our aim is to ensure that the personal information we hold is accurate, complete and up-to-date. Please let us know if any details you have provided change. Please also let us know if you believe that the information we have about you is not accurate, complete or up-to-date.

Keeping Information Secure
We take all reasonable steps to protect your personal information from misuse and loss and from unauthorised access, modification or disclosure.

We have physical, electronic and procedural safeguards to protect your information which is held by us. For example your personal information is stored in secured office premises, in electronic databases requiring logins and passwords for access. Access to information stored electronically is restricted to staff whose job requires access.

We destroy information we no longer need. We will destroy personal information if it is no longer needed:

for the purposes for which it was collected; OR
for the purposes of meeting legal requirements.

We will properly dispose of all paper files, letters, correspondence and any other hard copy documents that contain personal information that is no longer needed.

We use secure methods to destroy or re-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose. Ordinarily, for information about a particular account, we destroy the information seven years from the date you close the account. All information stored in electronic form that is no longer required will be deleted from our systems.
You can request details about your information.
You can ask us to give you access to the personal information we hold about you.

We are permitted under the Privacy Act to deny or limit access in certain circumstances, but if this happens we will give you the reasons why we have not given the access to you.

If we spend time on locating, collating and explaining the information you request, or incur photocopying costs and out of pocket expenses such as freight and travelling costs to obtain the information, we may charge a fee for processing your request. This fee will enable us to recover our costs.

How To Request Access
A request for access to personal information may be made to us by:

Writing to:
Privacy Officer
Powell Capel Securities Pty Ltd
PO Box 71
Chatswood NSW 2057

email at: pcs@powellcapel.com.au

Telephone: 9410 0999

Changes To Our Privacy and Information Handling Practices
We may amend our privacy and information handling practices from time to time. We will notify you of any of the changes to our policy that requires your consent before being implemented.

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