Privacy Policy
1. Overview
2. Purpose of This Policy
This Policy outlines our practices regarding:
- How we collect personal information
- Why we collect it
- How we use and disclose it
- How we store and secure it
- How you can access or correct your information
- How to make a privacy complaint
3. Scope
This Policy applies to:
- KPS Advisory Pty Ltd
- All services provided via kpsadvisory.com.au
- All clients, website users, prospective clients and partners
4. What Personal Information We Collect
We collect the personal information reasonably necessary to provide our advisory services, meet regulatory obligations, and improve the services we deliver.
4.1 Types of information we may collect
Information you provide to us directly, including:
name, email address, phone number, residential and/or postal address, date of birth, occupation and employer financial details, bank account details (when required for service delivery), Tax file number (TFN) if legally required identification documents (e.g., driver licence, passport). Any information relevant to providing advice or services
Most information is collected through:
- Application or onboarding forms
- Online website forms
- Email or telephone communication
- Meetings and consultations
4.2 Sensitive information
We only collect sensitive information when necessary for the services we provide and only with your consent. This may include:
- Health information (e.g., for insurance‑related services)
- Information about dependants
- Income details from employers (e.g., for insurance or advisory purposes)
4.3 Information from third parties
With your consent, or where permitted by law, we may collect information from:
- Your accountant
- Your employer
- Product issuers
- Financial institutions
- Insurance providers
4.4 Legal obligations
Certain laws require us to collect information such as identity verification documents for anti‑money laundering (AML) purposes.
5. If You Choose Not to Provide Information
You are not required to provide personal information. However, if you do not provide the information we request, we may be unable to:
- Provide you with financial or strategic advice
- Process applications or claims
- Implement recommended strategies
- Arrange financial or insurance products
- Comply with legal or regulatory requirements
- Contact you with important updates
For example, we may not be able to process a superannuation application without a TFN or proof of identity.
6. How We Use Your Information
We use personal information only for the purposes for which it is collected or for related secondary purposes where permitted by law. This includes:
- Providing advisory and consulting services
- Reviewing your circumstances and preparing recommendations
- Implementing agreed strategies
- Managing your account, investments or insurance
- Facilitating contributions, payments or transfers
- Reporting performance or providing ongoing updates
- Improving our website and service experience
- Communicating with you regarding relevant services or opportunities
We may use some information in automated systems to assist with:
- Product suitability
- Service recommendations
- Financial modelling
- Insurance suitability
- Tax or strategic projections
Information used may include your age, financial situation, assets and liabilities, residency, relationship status and health‑related disclosures.
7. Disclosure of Personal Information
We may disclose personal information to third parties where necessary to deliver our services or where required by law.
7.1 Typical third parties include:
- Product providers, investment platforms or insurers
- Administrators, custodians or fund managers
- Your employer (only for employer‑sponsored arrangements)
- Accountants, lawyers or other advisers you authorise
- External dispute resolution services
- Actuaries and auditors
- Payment or banking institutions
- Mail houses and technology providers supporting our systems
7.2 We may also disclose information:
- Where required by law (e.g., Australian Taxation Office)
- Where authorised by law (e.g., to protect public interest or legal rights)
- To comply with international taxation agreements
- To law enforcement agencies where necessary with your express consent
- We do not sell personal information to third parties.
8. Access and Correction
8.1 Access to your information
You may request access to personal information we hold about you. We will provide access unless we are legally permitted or required to refuse it. If we refuse access, we will provide reasons.
8.2 Correction of information
You may request that we correct any inaccurate, incomplete, outdated or misleading information.
To request access or correction, contact us using the details in Section 12.
9. Complaints
If you believe we have breached the APPs or mishandled your personal information, you may lodge a written complaint with our Privacy Officer.
We will:
- Acknowledge your complaint
- Investigate it
- Respond within 30 days
If you are not satisfied with our response, you may escalate the complaint to the Office of the Australian Information Commissioner (OAIC):
- Website: www.oaic.gov.au
- Email: enquiries@oaic.gov.au
- Fax: 02 9284 9666
10. How We Protect Your Information
We take reasonable steps to protect personal information from:
- Misuse
- Interference
- Loss
- Unauthorised access
- Modification
- Disclosure
Information is stored on secure servers with restricted access and modern security measures. Staff handling personal information receive training on privacy obligations.
11. Internet Use & Cookies
11.1 Internet risks
Information transmitted online may carry inherent risks.
If you prefer not to communicate electronically, we can interact by phone or post.
11.2 Cookies
Our website may use cookies to improve functionality, personalise services and assist with security. You can manage cookie settings in your browser; however, disabling cookies may affect website performance.
12. How Long We Keep Your Information
We retain personal information for as long as legally required or necessary to provide services. Depending on the context, some records may be kept for:
- 7 years, or permanently,
- Where required by law,
- When no longer needed, information is securely destroyed or de‑identified.
13. Contacting the Privacy Officer
If you have questions about this Policy or wish to make a request or complaint, contact:
Privacy Officer
KPS Advisory Pty Ltd
- Email: contact@kpsadvisory.com.au
- Address: 32 York St, Sydney NSW 2000