Access to and use of the www.sydneyfinancialadvisers.com.au website and the products and services available through this site are subject to the following terms of use.
'Our', 'Us' and 'We' refers to GN Finance,ABN 89297557483 trading as Sydney Financial Advisers, of Suite 6 1/330 Wattle Street,ULTIMO NSW 2007, Australia. The words 'you' and 'your' refer to users of this public Web site.
The information in this site is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. Sydney Financial Advisers has taken reasonable care in producing this information. However, to the extent permitted by law, Sydney Financial Advisers does not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this Web site.
The material on this site is published by us and is intended for use in Australia. The site is not intended for use outside Australia. We make no claim that the information contained on this site is appropriate or may be downloaded legally outside Australia. If you access this Web site from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.
This site is a business and commercial site. It is, therefore, not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use this site.
The information, materials and services contained on this site are provided to you 'as is', and 'as available'. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied or statutory. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that this site is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage. We also do not warrant, guarantee or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free.
To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.
All trade names, brand names, trade symbols, logos, slogans, trade marks or services marks are trademarks or proprietary interests of Sydney Financial Advisers. There are other trade names, brand names, trade symbols, logos, slogans, trade marks, service marks, brand names, company names, logos, slogans, trade marks or service marks indicated on the Web site that are the property of their respective owners.
This web site may contain a number of links to other Internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.
This agreement is governed by the law in force in the state of New South Wales, Australia. Any dispute arising in connection with these Terms of Use or in connection with your use of this web site which cannot be resolved by good faith negotiations between us you and Sydney Financial Advisers Pty Ltd shall be referred to mediation or to arbitration.
E-mail: info@sydneyfinancialadvisers.com.au
Definitions in this Privacy Policy
'Our', 'Us' and 'We' refers to Sydney Financial Advisers Pty Ltd, of Suite 6 1/330 Wattle Street,ULTIMO NSW 2007, Australia.
'Personal Information' means any information that can identify an individual.
'Related Companies' has the same meaning as section 50 of the Corporations Act 2001 (Cth).
'Sensitive Information' is a sub set of Personal Information and concerns particular topics including information about health, racial or ethnic origin, political, philosophical or religious views or affiliations, sexual preferences or practices, memberships of professional or trade associations or trade unions or criminal records.
'You' refers to our customers and prospective customers. It also refers generally to users of our web site.
Our Commitment
We recognise that your privacy is very important to you. We are committed to protecting the privacy of your Personal Information in accordance with the Federal Government's Privacy Act 1988 (as amended by the Privacy Amendment (Private Sector) Act, 2001).
The Privacy Act details National Privacy Principles that set minimum standards for how private sector organisations should collect, use, disclose, keep secure and provide access to Personal Information.
We are committed to complying with the National Privacy Principles.
Currency and Status of our Privacy Policy
Our current privacy policy is detailed below. It is current as of and from 23 September 2008. We suggest that you read it thoroughly.
This policy may change from time to time and all changes will be posted on our web site so please check it periodically. Alternatively, you can telephone 13 000 SydFA or email info@sydneyfinancialadvisers.com.au and request a copy of our most recent policy.
Whenever using our web site you should read this policy in conjunction with our Terms of Use.
Personal Information we collect, how and why we use it
The Personal Information we collect depends on the products and services you use or apply for. Typically the details we collect and hold include your name, contact details (address, phone and fax number, email address) date of birth, gender and payment details. We may also collect information that is specific to a particular product.
We do not collect 'Sensitive Information' unless it is necessary for the purposes of determining risk or for providing you with a specific product or service. In this event we collect Sensitive Information in accordance with the National Privacy Principles.
Where possible, you have the option of interacting with us anonymously. For example, you may visit and browse our website and use some of our online facilities without having to reveal any Personal Information.
We collect your Personal Information from you in various ways and at several different points. We may collect your Personal Information on our web site, by telephone, facsimile, when you complete an application form for one of our products or services and forward it to our attention, enter a competition or voluntarily participate in a survey.
Wherever possible, we collect your Personal Information directly from you. There may, however, be occasions where we collect your Personal Information from someone else. For example, where you make an application in joint names, where it is provided to us by a third party with your consent or where we need to obtain information from professional experts for the purposes of assessing a claim or providing you with insurance cover.
If you provide Personal Information to us about another person, we rely on you to have made or make them aware that you will, or may, provide their information to us and the types of third parties we may provide it to, the relevant purposes we and any of the third parties will use it for and how they can access it. If it is Sensitive Information we rely on you to have obtained their consent on these matters. If you have not done, or will not do, either of these things, you must tell us before you provide the relevant Personal Information.
A number of interactive tools or facilities may be available on our web sites. If you use any of these tools or facilities, we generally do not collect your Personal Information unless a particular tool permits you to suspend or save information and recover those details at a later time. In these circumstances, your Personal Information may be retained on our systems but is not processed or used by us except that it may be used for the purposes of online quoting and subsequent follow up.
From time to time we may request Personal Information from you through competitions or surveys. Participation in these competitions or surveys is completely voluntary and you, therefore, have the choice of whether or not you disclose the Personal Information requested.
Cookies and our collection of information about how our website is used
We use a cookie that collects anonymous traffic data. A cookie is a message given to a web browser by a web server and which is then stored by the browser in a text file. Each time the browser requests a page from the server this message is sent back which enables the user to be identified. We also collect your IP address when you visit the site to better understand how to serve our clients.
We may use the information provided by cookies and IP addresses to analyze trends, administer the site, or for research and marketing purposes to help us better serve our clients. No information which personally identifies you will be collected through the cookies. You can set your browser to notify you before you receive a cookie so you have the chance to accept it and can set your browser to turn off cookies. No personally identifying information from you will be collected as part of these cookies.
We generally collect Personal Information to provide the various products and services we offer. More specifically, we collect and use Personal Information primarily in order to establish risk and determine premiums, process applications, service accounts, process payments, assess claims, confirm identification and protect Personal Information from unauthorised access or to satisfy legal requirements.
If we do not collect your Personal Information we will not be able to provide you with the product or service that you are seeking.
We use Personal Information we may collect through competitions to determine prize winners, award prizes and notify winners. We use Personal Information we may collect through surveys to assess your satisfaction with our products and services and to determine how we may better service your needs. We, and our related companies, may also use Personal Information you provide if you chose to enter a competition or answer a survey for research and statistical analysis.
Direct Marketing
On occasion, we, and our Related Companies, may use your Personal Information to provide you with information about the products and services we offer.
If you do not wish to receive any of this information please let us know by contacting our Customer Care personnel on 13 000 SydFA or by sending an e mail to info@sydneyfinancialadvisers.com.au
You can, however, change your mind about receiving information about our products and services at any time by contacting us as above.
Sharing and Disclosing your Personal Information
We never sell, rent or trade your Personal Information.
We may share your Personal Information with Related Companies
We will not share your Personal Information with any unrelated party except under the following circumstances:
* where a product or service you apply for is provided or supplied by or through a third party;
* where a third party, such as a mailing house, carries out activities on our behalf;
* if disclosure is otherwise required in order to provide you with a particular product or service;
* in order to ensure our ability to continue providing products and services;
* if disclosure is required for the purposes of conducting business analysis in order to improve our products and services;
* if disclosure is required by law or requested by a statutory authority;
* to an insurance broker acting on your behalf or who you have designated to act on your behalf;
* where a third party has an interest in the product or service we supply, for example a mortgagee, referral agent, distributor or insurance intermediary;
* where it is necessary for a third party to assist us in providing our services, for example, reinsurers, insurance intermediaries, insurance reference bureaux, lawyers, accountants, loss adjusters and others involved in the claims handling process where you have provided your consent - which may be given expressly or may reasonably be implied by your conduct.
Related and unrelated third parties to whom your Personal Information is disclosed are required to keep the information confidential and only use it for the same purposes we are permitted to use it.
Quality and Security of your Personal Information
We aim to ensure that your Personal Information is accurate, complete and up to date.
During the course of your relationship with us we will ask you to inform us of any changes to your Personal Information. You should, however, contact us at any time to update your Personal Information or advise us that the information we have is not accurate or complete.
We are committed to keeping your Personal Information secure and will use all reasonable precautions to protect it from loss, misuse or unauthorised alteration, including:
Physically securing external and internal premises; Maintaining computer and network security such as user identifiers and passwords to control access to computer systems; Restricting access to your Personal Information to employees or those who perform services on our behalf who are authorised to handle your Personal Information and on a 'need to know' basis; Entering into confidentiality agreements with relevant employees and third parties; Appropriate training of staff; Retaining your Personal Information for no longer than it is reasonably required to service a policy or continue to provide any products and services requested by you, unless we are required by law to retain it for longer; Taking reasonable steps to destroy or de-identify Personal Information that we no longer require.
Access to and correction of your Personal Information
You may generally access the information we hold about you and request corrections. This right is, however, subject to the exceptions detailed in the National Privacy Principles. For example, we may refuse access where:
* the information may have an unreasonable impact on the privacy of others
* the request is frivolous or vexatious;
* the information relates to existing or anticipated legal proceedings;
* the information would reveal our intentions in relation to negotiations in such as way as to prejudice those negotiations.
If we deny you access we will let you know why
Where providing access would reveal evaluative information in connection with a commercially sensitive decision-making process, we will provide an explanation for the decision rather than direct access to the information.
For access to complex or Sensitive Information or more detailed requests for access to your Personal Information, for example, access to information that is archived, we may require you to place your request in writing and charge you a fee for our reasonable costs of retrieving and supplying the information to you.
In all cases you will be asked to verify who you are before your Personal Information is provided.
All requests for Personal Information will be handled in a reasonable period of time.
Quality and Security of your Personal Information
If you have any questions, suggestions or complaints about our privacy practices or this privacy policy, please email privacy@sydneyfinancialadvisers.com.au or customer_care@sydneyfinancialadvisers.com.au. We will respond to your question, suggestion or complaint as soon as possible.
You can obtain information on privacy issues in Australia by visiting the Australian Federal Privacy Commissioner's web site located at www.privacy.gov.au or by telephoning 13 000 SydFA.
DISCLAIMER
ABN 89297557483 Sydney Financial Advisers is an
authorized representative (no. 327032) of Australian Financial Services Limited ABN 50 116 900 362, which is the holder of an Australian Financial Services Licence No 297239.
"Authorised representative of Australian Financial Services AFSL: 297239. Authorised Rep Number: 327032"
