Better Money Management Pty Ltd abides by the National Privacy Principles established under the Privacy Amendment (Private Sector) Act 2001.
The Purpose & Use of our Personal Information
As a financial planning organisation we are subject to legislation and regulations requiring us to obtain and keep detailed information that personally identifies you and/or contains information or an opinion about you. In addition, our ability to provide you with comprehensive financial planning, superannuation and life insurance services and advice depends on us obtaining certain personal information about you, including -

* Employment details and history
* Details of your financial needs and objectives
* Details of your current financial circumstances, including your actual and potential assets and liabilities, income, expenditure,insurance cover, investments and superannuation
* Details of your investment preferences and aversion or tolerance to risk
* Details of your health for insurance and superannuation purposes
* Information about your employment history, employment circumstances, family commitments and social security eligibility
* Details of your Estate Planning requirements

The quality of the personal information you supply can affect the adequacy or appropriateness of the services and advice we give and can thus expose you to increased risk.

We do not collect any personal information except when you authorise us or a third party to do so. Gathering personal information will generally take place in face to face interviews, by telephone, or by an online client engagement form. At times, additional updated personal information may also need to be collected by one or more of these methods.

We will only collect, maintain and use your personal information to adequately provide the services you have requested including preparation of your Financial Plan.

Providing Financial Planning Advice to You -

* Securities and investment recommendations
* Reviewing your financial plan
* Securities and investment recommendations
* Consideration of other areas relevant to your needs and objectives
* Administration or advice about your Superannuation and Life Insurance needs

We will not use or disclose your personal information for anypurpose other than -

* For which it was provided, or secondary related purposes in circumstances where you would reasonably expect such use or disclosure
* Where you have consented to such disclosure
* Where National Privacy Principles authorise use or disclosure as required or authorised under law, in circumstances relating to public health and safety, and in connection with operations by or on behalf of an enforcement body.

To ensure ongoing compliance with mandatory professional standards, we are required under the Rules of Professional Conduct of the Financial Planning Association of Australia to make certain information available for inspection by the Association on request, and this may involve the disclosure of your personal information. We are also obliged by the Corporations Act to maintain certain transaction records and
make them available for inspection by the Australian Securities and Investments Commission.

We may use your personal information for direct mailings such as articles and newsletters, but will cease doing so upon your request.

We may disclose your personal information to superannuation fund trustees, insurance providers, and product issuers as necessary to your financial plan, superannuation fund or life insurance requirements, and our recommendations.

We may disclose your personal information to contractors providing services such as taxation or legal advice as required as part of our services to you.

In order to ensure that you receive tailored personal service, your personal information may be transferred to one of our agents or authorised representatives who will be your primary point of contact with the organisation. It is a condition of our agreement with each of our representatives that they adopt and adhere to this privacy policy.

You can be assured that any representative will maintain your information in accordance with this policy. If you have any concerns in this regard, please contact us.

Our Privacy Obligations
It is a condition of our agreement with each of our external contractors that they adopt and adhere to this privacy policy. You may be assured that your information will be maintained by any contractor to whom it is disclosed in accordance with this policy. Please let us know if you have any concerns in this regard.

In the event that we propose to sell our business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations.

Any such disclosure will be made in confidence, and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is effected, we may transfer your personal information to the purchaser of the business. As a client you will be advised of any such transfer.

Your Information is Secure and Accurate
Your personal information is generally held in your client file. Information may also be held in a computer database. At all times we will seek to ensure that the personal information collected and held by us is protected and is treated as confidential, with any sensitive information treated as highly confidential. All paper files are stored in lockable cabinets that are locked outside of normal business hours. All computer-based information is protected by access passwords on each computer, and data is regularly backed up and stored securely off site.

If you cease to be our client, your personal information will be maintained in a secure storage facility for seven years to comply with legislative and professional requirements, following which
time the information may be destroyed.

We will endeavour to ensure that your personal information is current and accurate at all times. If you have evidence that any of your personal information that we hold is inaccurate, incomplete or outdated, please contact us, and if we agree that the information requires correction, we will take all reasonable steps to do so.

Access to our Personal Information
At any time you may request access to your personal information, and, subject to the following exceptions, we will provide you with either copies of the information requested, allow you to inspect the information requested, or provide an accurate summary of the information held. Prior to providing access, we will require you toprovide evidence of your identity.

We will not provide you with access to personal information that would reveal any confidential formulae or the detail of any inhouse evaluative decision making process, but may instead provide you with the result of the formulae or process, or an explanation of that result.

We will not provide you with access to your personalinformation if -

* It 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
* It would prejudice our negotiations with you
* Providing access would be unlawful
* Denying access is required or authorised by law
* Providing access would be likely to prejudice operations by an enforcement body, or an enforcement body requests that access not be provided on the grounds of national security

In the event that we refuse access to your personal information, we will provide you with an explanation.

What to Do if You Have a Problem
If you wish to complain about any breach or potential breach of this privacy policy or the National Privacy Principles, contact us and request that your complaint be directed to the Privacy Officer.
Your complaint will be considered as soon as possible and responded to. It is our intention to resolve any complaint to your satisfaction, however, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissionerwho may investigate your complaint further.

Contacting Us
Our web site contains links to other web sites whose operator may or may not adhere to a privacy policy or be governed by the National Privacy Principles. Our web site may utilise cookies, which allow us to identify your browser while you are using our site. Cookies do not identify you, but simply allow us to track usage patterns to measure the level of interest in various areas of our site. All browsers allow you to be notified when you receive a cookie and elect to either accept it or not. Your Internet serviceprovider should be able to assist you to set your preferences.

If you would like more information about how we manage your personal information, or any other questions, please phone (07) 3368 2002, email kent@bettermoneymanagement.com.au, or write to:
The Privacy Officer
PO Box 645
Indooroopilly, Qld. 4068