PRIVACY POLICY

1. ABOUT THIS DOCUMENT

This Privacy Policy has been adopted by Business Services Pty Limited (ACN 101 093 636) & Kennedy Barnden Chartered Accountants (ABN 925 612 658 809), “we”, “us” “kbca” and “our” including any corporate entity owned or controlled by this company.

Our employees, contractors, consultants, partners and any other third party entities that at our direction have access to your personal information are bound by and must adhere to this Privacy Policy

By providing personal information to us you consent to our collection, use and disclosure of your personal information in accordance with this Privacy Policy.

We reserve the right to make amendments to this Privacy Policy at any time and will make available to you details of the changes we make. If you have objections to our Privacy Policy, you should notify us immediately and not submit personal information to us.

2. COMMITMENT

As responsible data custodians we are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store and disclose your personal information in accordance with the Australian Privacy Principles 2014 (APPs) established under the Privacy Act 1988 (Privacy Act).

You can obtain further information regarding the APPs and your privacy rights at the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

3. PERSONAL OR SENSITIVE INFORMATION WE COLLECT

We may collect personal information that you have supplied to us such as your name, age, date of birth, address, and other contact details. We may also collect sensitive information from you with your consent (in specific circumstances).

The type of information we may collect depends on your dealings with us and may include:

Name, contact details;
Identification information – e.g. your tax file number, driver’s licence;
Employment information – e.g. current and historical;
Financial information – e.g. bank accounts, shareholdings, loans;
Financial circumstances – e.g. assets and liabilities, income, expenditure, insurance, superannuation; and
Information provided to us via client surveys.

4. COLLECTION & USE

We may collect personal information from you or from third parties by:

Having face-to-face meetings and telephone discussions with you;
Asking you to complete client questionnaires;
You using our website and interacting with our social media sites;
You communicating with us through correspondence;
Conferring with third parties such as financiers or the Australian Taxation Office on your behalf;
Using “cookies” or other similar tracking technologies on our website that track website usage, preferences and personal account information; and
Requesting information from a publicly available source.

We collect personal information from you to be able to provide you with the services you have requested us to provide including:

Preparing tax returns and financial accounts;
Completion of documentation and forms;
Liaising with third parties on your behalf such as financial institutions, government organisations, insurance;
To consider and assess your request for a product or service;
To assist in providing wealth management, financial planning and personal risk services;
To provide you with information about a product or service and invite you to marketing events;
To protect our business and other clients from fraudulent or unlawful activity;
To conduct our business and perform other management and administration tasks;
To consider any concerns or complaints an individual may have;
To manage any legal actions involving KBCA;
To comply with relevant laws, regulations and other legal obligations; and
To help us improve the products and services offered to our clients, and to enhance our overall business.

5. DISCLOSURE

We may disclose your personal information for the following purposes:

To enable you to access and use our services and in turn provide our services to you;
To provide you with direct marketing materials that may be of interest to you such as articles or product brochures or correspondence from our business partners;
For purposes that you consent to such disclosure or for a related purpose where you would reasonably expect such disclosure; and
Any circumstance otherwise authorised by the APPs and/or the Privacy Act.]

We will only use sensitive information for the primary purpose it was obtained for or for a secondary purpose that is directly related to the primary purpose (or where otherwise required by law).

We may disclose your personal and sensitive information to trusted third parties, including the following entities:

A related party of KBCA;
Pillar Tailored Wealth Pty Ltd – where you are a mutual client of KBCA and Pillar Tailored Wealth Pty Ltd;
Ogilvie Financial Services Pty Ltd trading as Invest Blue – where you are a mutual client of KBCA and Ogilvie Financial Services Pty Ltd trading as Invest Blue;
Third party suppliers and service providers such as the providers for the operation of our website or business services;
Organisations involved in a transfer or sale of all or part of our assets or business;
Organisations involved in managing payments, including payment merchants and other financial institutions such as banks;
The Australian Taxation Office (ATO) to meet ongoing compliance;
The Australian Securities & Investments Commission (ASIC) on request to meet ongoing compliance, mandatory professional standards and other legal obligations;
Specific third parties authorised by you to receive information held by us (eg banks);
As required by law or directed by legal decision/process; and
Any industry body, tribunal, court or otherwise connected with any complaint regarding our services.

We may disclose personal information to credit reporting bodies, in order to comply with our obligations under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) (AML/CTF obligations). To comply with our AML/CTF obligations, we may disclose your:

name;
date of birth; and
residential address

to credit reporting bodies, in order to verify whether the personal information matches the identification information held by the credit reporting body. We may, upon request, provide you with an alternative method of verification, however, any alternative verification method must also comply with the AML/CTF legislation.

6. SENDING INFORMATION OVERSEAS

We may disclose personal information to our cloud service providers such as Microsoft, DropBox, Xero, Intuit, Reckon Hosted, MYOB and BGL Corp that are located outside Australia in some circumstances. These recipients may be located in the following countries:

United States
Netherlands
Ireland
Singapore
Hong Kong

We will not send personal information to recipients outside of Australia unless:

we have taken reasonable steps to ensure that the recipient does not breach the Act, the APPs and the Credit Reporting Privacy Code;
the recipient is subject to an information privacy scheme similar to the Privacy Act; or
the individual has consented to the disclosure.
If you consent to your personal information being disclosed to an overseas recipient, and the recipient breaches the APPs, we will not be accountable for that breach under the Privacy Act, and you will not be able to seek redress under the Privacy Act.

7. SECURITY

We take our security obligations seriously and your personal information is regarded as confidential and may be held in both hard copy and/or electronic versions. We will take all reasonable steps to safeguard your information so that it is not misused, lost, modified, accessed by unauthorised persons or disclosed without authorisation.

As responsible data custodians we are familiar with the requirements of the Notifiable Data Breaches scheme and are committed to responding to data breaches in accordance with our obligations under the Privacy Act. We will notify the Office of the Australian Information Commissioner and you if there is unauthorised access to, unauthorised disclosure of, or loss of, personal information held by us and the access, disclosure or loss is likely to result in serious harm to any of the individuals to whom the information relates in accordance with the Privacy Act.

Our website may contain links to external websites operated by third parties. The privacy polices of these other websites may not accord with this Privacy Policy and we cannot be held responsible and do not have control of the use of your personal information by these third parties.

As responsible data custodians, any breach of this Privacy Policy by our employees, contractors, consultants, partners and any other entity that at our direction have access to your personal information will invoke disciplinary and possible legal action against the offending party.

8. ACCESSING, UPDATING AND CORRECTING YOUR PERSONAL AND SENSITIVE INFORMATION

You have a right to access your personal information, subject to exceptions allowed by law. If you would like to do so, please provide us with a request in writing to the contact details listed below. Depending upon the complexity of the request, we will endeavour to respond to you within four weeks of receiving your request. We reserve the right to charge a fee for searching for, and providing access to, your information on a per request basis. Where we cannot provide you with access to all of your personal information, we will provide you with reasons why. We may also require your identity to be verified when you send in your request and prior to sending any substantive response.

If at any time you believe that information we hold about you is incomplete, inaccurate, irrelevant, misleading or not up-to-date, please contact us and we will take reasonable steps to correct the information in accordance with the Privacy Act.

9. COMPLAINTS AND INQUIRIES

If you have a complaint regarding the way we have handled your information, or have any questions about this Privacy Policy, or your personal information we hold, please contact us by any of the following means:

by telephoning – 02 4365 6789
by writing to – KBCA Privacy Officer, 484 The Entrance Road Erina Heights NSW 2260
by emailing – mail@kbca.com.au

Please make sure to include your name and return contact details with any inquiry.

We will endeavour to respond to your complaint or inquiry within a reasonable period from when it is received.

If you are not satisfied with our response to your complaint or inquiry you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.