Complete Super Solutions Pty Ltd (CSS) is committed to providing you with the highest level of service. We recognise that your privacy is very important to you. The Privacy Amendment (Private Sector) Act, 2000 sets out a number of National Privacy Principles (NPPs). The new privacy requirements were introduced to increase the privacy rights of the public. CSS will support the new requirements and comply with them fully. Further information regarding privacy may be obtained by visiting the website of the Office of the Federal Privacy Commissioner at www.privacy.gov.au. CSS believes that this Privacy Policy discloses how the personal information you provide to us, and our representatives, is collected, used, held, disclosed and disseminated. CSS is required to meet particular legislative and regulatory requirements. In order to provide a comprehensive administrative service to you, we are required to collect certain personal information from you. This Privacy Policy is issued with the authority of Complete Super Solutions, Level 1, 464 High Street, Prahran Vic 3181 tel 03 9520 2977.
Your Personal Information
Personal information held by CSS may include the following information:
- Your name, date of birth, current addresses, telephone and mobile numbers, fax numbers, email address;
- Your assets and liabilities (current and future), income, expenses;
- Your superannuation and insurance details;
- Your pin codes and electronic access codes; and
How We Collect Personal Information
CSS collects personal information in a number of ways, including:
- Directly from you, when you attend a face to face interview;
- Directly from you, when you provide information through a data collection form;
- Directly from you, when you provide information by phone;
- Directly from you via an email or the internet; and
- Directly from fund managers, superannuation funds, life insurance companies, banks and other product issuers once you have provided authorisation.
How We Use Your Personal Information
Primarily, your personal information is used in order to provide comprehensive and/or limited administrative services to you. From time to time, we may provide you with direct marketing material. This will include articles and newsletters that may be of interest to you. If, at any time, you do not wish to receive this information any further, you may contact us with this request. We will endeavour to meet your request within two weeks.
We will not send any personal information about you overseas unless you consent to this, or we reasonably believe that the other country has privacy laws substantially similar to our own, or we provide the information in other circumstances giving like protection.
When Do We Disclose Your Personal Information
The Corporations Act has provided the Australian Securities and Investments Commission with the authority to inspect certain personal information that is kept on our files about you. For the purposes set out above, we may disclose your personal information to organisations outside CSS. The organisations to which we disclose information may include:
- Superannuation fund trustees, insurance providers, fund managers and other product providers;
- Compliance consultants to ensure that our representatives are meeting our compliance standards;
- Your professional advisers, including your solicitor or financial planner/accountant as authorised by you;
- Information technology service providers to manage our IT systems;
- Government and regulatory authorities and other organisations, as required or authorised by law;
- Another representative of CSS if necessary;
- A potential purchaser/organisation involved in the proposed sale of our business for the purpose of due diligence; and
- A new owner of our business that will require the transfer of your personal information.
In addition, our employees and the outsourcing companies/contractors are obliged to respect the confidentiality of any personal information held by CSS.
How We Store And Secure Your Personal Information
At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential in the following way.
We keep your personal information in your client file. These files are accessible to authorised personnel only and are appropriately secured out of hours. Your personal information may also be held on our computer database. All computer based information is protected through the use of access passwords. Data is backed up regularly and stored securely off site.
It is a legislative requirement that we keep all personal information and records for a period of seven years.
At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential. If you are no longer a client of CSS, we will maintain your personal information on or off site in a secure manner for seven years. After this, we will ensure it is destroyed in a secure manner.
Ensure Your Personal Information Is Correct
CSS takes all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up to date. To ensure we can maintain this level of accuracy and completeness, we recommend that you:
- Inform us of any errors in your personal information as soon as possible; and
- Update us with any changes to your personal information as soon as possible.
Access To Your Personal Information
You have a right to access your personal information, subject to certain exceptions allowed by law. Access to the requested personal information may include:
- Providing you with copies;
- Providing you with the opportunity for inspection; or
- Providing you with a summary.
We will not provide you with access to your personal information if:
- Providing access would pose a serious threat to the life or health of a person;
- Providing access would have an unreasonable impact on the privacy of others;
- The request for access is frivolous or vexatious;
- The information related to existing or anticipated legal proceedings between us and would not be discoverable in those proceedings;
- Providing access would reveal our intentions in relation to negotiations with you in such a way as to prejudice those negotiations;
- Providing access would be unlawful;
- Denying access is required or authorised by or under law; or
- Providing access would be likely to prejudice certain operations by or on behalf of enforcement body or an enforcement body requests that access not be provided on the grounds of national security.
In the event we refuse you access to your personal information, we will provide you with an explanation for that refusal.
Our Website
We understand that our clients are concerned about the privacy afforded to their information collected via the Internet.
Use and Disclosure of Personal Information
Your email address is recorded when you send an email message to us which together with any other personal information that we collect will only be used for the purpose for which it has been provided to us. Information may be used for secondary related purposes in circumstances where you would reasonably expect such use or disclosure. Under no circumstances will your email address be added to a mailing list or used for any other purpose without your consent or unless the law requires it. Users should be aware that there are inherent risks transmitting information across the Internet.
Personal Information Quality
Our goal is to ensure that your personal information is accurate, complete and up to date. To assist us with this, please keep your details up to date through our website or contact us if any of the details you have provided change. Further, if you believe that the information we have about you are not accurate, complete or up to date, contact us and we will use all reasonable efforts to correct the information.
Personal Information Security
CSS is committed to keeping secure the data you provide us and we will take all reasonable precautions to protect your personally identifiable information from loss, misuse or alteration. We will not send any personal information about you overseas unless you consent to this, or we reasonably believe that the other country has privacy laws substantially similar to ours, or we provide the information in other circumstances giving like protection.
Access to Personal Information
CSS is committed to keeping secure the data you provide us and we will take all reasonable precautions to protect your personally identifiable information from loss, misuse or alteration.
Cookies
A cookie is a piece of information that an Internet website sends to your browser when you access information at that site. Cookies can be used to record what parts of a website your computer is visiting although they do not identify individual users they do allow identification of the type of browser used and the Internet Service Provider (ISP) used. CSS website only makes use of session cookies which are destroyed when you quit your browser, no personal information is maintained which might identify you should you visit our website at a later date. Our website may provide links to third party websites which are not within our control and we cannot accept responsibility for the use of your information by these organisations.
Complaints Resolution
Please contact our Privacy Officer if you wish to complain about any breach or potential breach of your privacy rights. Your complaint will be responded to within seven days. If you are not satisfied with the outcome of your complaint, you are entitled to contact the Office of the Privacy Commissioner.
Promotional Material
If you have registered to receive email communications from us and later change your mind, you may contact us to have your name removed from our distribution lists. A company register is also maintained for individuals not requiring direct marketing material.
The Privacy Officer, Complete Super Solutions Pty Ltd, Level 1, 464 High Street, Prahran Vic 3181.
Privacy Policy V 5.0 Issued 8/06/2007