Privacy Policy

Introduction

At Spark Financial Group 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 trusting 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 applies to all entities within the Licensee, namely Axies Pty Ltd AFSL 339384 and Spark Advisors Australia Pty Ltd AFSL 380552 and all subsidiary companies. We are bound by the Privacy Act and we manage and protect your personal information in accordance with the Australian Privacy Principles.

What information we collect

The types of personal information we collect and hold may include:

• Your name, address, telephone number and email address.
• Your date of birth and occupation.
• Financial information such as your income, assets, liabilities, superannuation and investment details.
• Identification information such as your driver's licence, passport or Medicare card details (where required for identification or verification purposes).
• Information about your financial objectives, needs and circumstances relevant to providing financial advice.

We generally only collect personal information that is necessary for us to provide financial advice and services to you. If you do not provide us with the information we request, we may not be able to provide you with the advice or services you require.

How we collect information

We collect personal information directly from you when you:

• Complete an application form, fact find or questionnaire.
• Communicate with us by telephone, email, in person or through our website.
• Provide us with documents such as statements, tax returns or identification.

We may also collect personal information from third parties, such as your accountant, solicitor, superannuation fund, product providers or other financial institutions, where you have authorised us to do so or where it is necessary to provide our services.

How we use your information

We use your personal information for purposes including:

• Providing financial advice and services to you.
• Processing transactions and managing your accounts and investments.
• Complying with our legal, regulatory and compliance obligations.
• Communicating with you about your advice, services or changes that may affect you.
• Improving our products, services and customer experience.

Disclosure of your information

We may disclose your personal information to third parties where it is necessary to provide our services or to comply with our legal obligations. This may include disclosure to:

• Product providers, superannuation funds and investment platforms.
• Your accountant, solicitor or other professional advisers (with your consent).
• Government agencies and regulators as required by law.
• Service providers who assist us in operating our business (such as IT providers and administrative services), subject to confidentiality obligations.

We take reasonable steps to ensure that any third party we disclose your information to is bound by confidentiality and privacy obligations consistent with our own.

Storage and security of your information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. We use a combination of physical, electronic and procedural safeguards to protect your information, including secure storage systems, access controls and encryption where appropriate.

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected and to comply with our legal and regulatory obligations.

Access and correction

You have the right to request access to the personal information we hold about you, and to request that we correct it if it is inaccurate, incomplete or out of date. If you wish to access or correct your personal information, please contact us using the details below. We may need to verify your identity before providing access.

Complaints about privacy

If you have a complaint about how we have handled your personal information, we encourage you to contact us. You can make a complaint through any of the following channels:

If you are not satisfied with our response, you may refer the matter to the Office of the Australian Information Commissioner (OAIC). The OAIC can be contacted on 1300 363 992 or at www.oaic.gov.au.

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 printed copy.

General advice warning

The information and advice contained on this webpage and website has been prepared for general information purposes only and does not take into account your personal objectives, financial situation or needs. It is not intended to provide commercial, financial, investment, accounting, tax or legal advice. You should, before you make any decision regarding any information, strategies, or products mentioned on this website, consult a professional financial adviser to consider whether it is suitable and appropriate for you and your personal needs and circumstances. Product Disclosure Statements and Information Memoranda contain information necessary for you to make a decision whether or not to invest in financial products mentioned on this website. You should also obtain and read this document prior to proceeding with any decision to purchase a financial product. Although every effort has been made to verify the accuracy of the information contained in this document, Spark Financial Group, its officers, representatives, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this document or any loss or damage suffered by any person directly or indirectly through relying on this information.