Privacy Policy
Our Commitment
Capstone Financial Planning Pty Ltd (‘Capstone’) is committed to providing you with the highest levels of client service. We recognise that your privacy is very important to you. The Privacy Amendment (Enhancing Privacy Protection) Act 2012 sets out a number of Australian Privacy Principles. Our aim is to both support and ensure that we comply with these principles. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
This Privacy Policy explains our policy on how Capstone and its representatives manage your personal information.
We encourage you to check our website regularly for any updates to our Privacy Policy: www.capstonefp.com.au.
Your Personal Information
As a financial service provider, Capstone is subject to the Corporations Act 2001 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 that require us to obtain personal information about you including:
• your name, contact details, date of birth, tax file number
• information regarding your dependants and family commitments
• your occupation and employment history
• your financial needs and objectives; and
• your assets, liabilities, income, expenses, insurances and social security entitlements.
How We Collect Personal Information
Capstone collects personal information directly from you or from third parties once authorisation has been provided by you. You have the right to refuse us authorisation to collect such information from a third party. However, where you choose not to provide us with the information we request, we may not be able to provide you with services that you have requested from us, and we may elect to terminate any arrangements we may have with you. Importantly, if you provide either inaccurate or incomplete information to us, you risk obtaining products or services that may not be appropriate or suitable for your needs and you may risk suffering a financial detriment or financial loss.
How We Use Your Personal Information
Primarily, your personal information is used to provide financial services to you. We may also use the information for the secondary purpose of:
• attempting to identify other products and services that may be of interest to you
• referring you to our related and associated entities
• conducting any professional quality control review program; and
• managing our business operations, such as maintaining secure IT systems.
From time to time, we may provide you with direct marketing material. 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 2 weeks. We maintain a Register for those individuals not wanting direct marketing material.
When We May Disclose Your Personal Information
In line with modern business practices common to many financial institutions and to meet your specific needs, we may disclose your personal information to various organisations including product providers, consultants, mailing houses, insurance reference bureaus, professional advisers, IT providers, government authorities, and new business owners if our business is sold.
Cross-border disclosure of personal information
Your personal information may be disclosed to Capstone staff members and colleagues located in Australia and overseas. We will take all reasonable steps to ensure overseas recipients comply with relevant Australian Privacy Principles and will seek your informed consent before overseas disclosure.
How We Store and Secure Your Personal Information
We keep your personal information in physical client files or electronically. These files are accessible only to authorised personnel and are securely maintained. Electronic records are stored online and on servers based in Australia. We are required to retain personal information and records for at least 7 years.
Ensure Your Personal Information Is Correct
Capstone takes all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up to date. Please inform us of any errors or changes as soon as possible.
Access to Your Personal Information
You may request access to the personal information we hold about you, and we will respond within a reasonable period. Some legal exceptions may apply where access can be refused.
Using Government Identifiers
We may collect government identifiers such as tax file number, Medicare number or pension card number only when required or authorised by law or with your consent.
Dealing with us anonymously
You can deal with us anonymously where lawful and practicable.
Your sensitive information
We will collect sensitive information only when reasonably necessary and with your consent, subject to legal exceptions.
Our Website
Our website may provide links to third party websites. We are not responsible for their privacy practices. We use firewalls, encryption, and cookies to improve user experience and protect data.
Complaints Resolutions
Please contact our Privacy Officer on (03) 8622 0700 or email compliance@capstonefp.com.au if you wish to complain about a breach of privacy or disagree with a decision regarding our Privacy Policy. Complaints will be investigated and responded to within 30 days.
Version 3.2 May 2023
Capstone Financial Planning Pty Ltd | Australian Financial Services Licence No. 223135 | ABN 24 093 733 969
Level 1, 607 Bourke Street, Melbourne VIC 3000
Office: (03) 8622 0700 | Fax: (03) 8622 0799 | 1300 306 900
Email: info@capstonefp.com.au | www.capstonefp.com.au