Financial and Investment Advice

This site contains general information only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. In preparing the information, individual circumstances, for example but not limited to, tax implications, have not been taken into account and it may, therefore, not be applicable to your individual situation. Before making an investment decision, you should consider your circumstances and whether the information is applicable to your situation. This site was prepared in good faith and to the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information and we accept no liability for any errors or omissions. Past performance is not an indication of future performance. Whilst great care has been taken in its preparation, the authors, The Prowealth Investments Group, and its subsidiary/parent companies disclaims all liability and responsibility, including for negligence, for any direct or indirect loss or damage suffered by any person arising out of any use of this document or any information or material available from it. © 2014-19 Prowealth Corporation Pty Ltd

Prowealth Investments, Prowealth Property, BNE Real Estate & Hunter Valley Real Estate are trading names of the Prowealth Corporation Pty Ltd ABN 20 126 015 594, NSW Real Estate License No. 1624276, QLD 3640323.

Prowealth Money Pty Ltd, ABN 98 125 416 971, Australian Credit License No. 378618.

Prowealth Accounting is a trading name of Prowealth Accounting Services ABN 66 157 963 481 and is a registered Tax Agent No. 28067002, Liability limited by a scheme approved under Professional Standards Legislation.

The word ‘Prowealth’ and the ‘Prowealth Shield Logo’s are registered trademarks used with permission of IP Central Pty Ltd.

Third Party Sites

This Web Site includes links to third party sites. Prowealth is not responsible for the condition or content of those sites. Links are provided for convenience only and no endorsement of any of the products or services on those sites or the organizations promoting them are endorsed by Prowealth. You access those sites and use the products and services listed therein solely at your own risk.

Trademarks

The Prowealth Investments ‘Shield’, ‘P’ and the words ‘Prowealth Investments’ are registered trademarks of IP Central Pty Ltd used with its permission.

The word ‘Prowealth’ is a registered or pending trademarks of IP Central Pty Ltd used with its permission.

The Prowealth Money ‘Shield’, ‘$’ icon and the words ‘Prowealth Money’ are registered or pending trademarks of IP Central Pty Ltd used with its permission.

The Prowealth Accounting ‘Shield’, ‘Calculator’ icon and the words ‘Prowealth Accounting’ are registered or pending trademarks of IP Central Pty Ltd used with its permission.

Copyright

The copyright of the content data (including the underlying HTML files and data base records) of this Web Site is owned by Prowealth Corporation Pty Ltd. Apart from any fair dealing for the purposes of private study, research, criticism or review as permitted under the Copyright Act no part of this Web Site may be reproduced or copied in any form or by any means or process without express written permission. Enquiries should be addressed to administration.

Exclusive Listings

All properties contained on our website have been listed exclusively by Prowealth Corporation Pty Ltd unless otherwise stated. We exercise our rights under the Property Stock and Business Agents Act 2003 to pursue action against any persons or corporations who attempt to solicit vendors or properties contained herein without the vendors or our express written permission.

Privacy Policy

When you visit this Web Site you may be asked to provide personal information.

By doing so you authorize Prowealth and other Prowealth companies to contact you unless you state otherwise.

The Prowealth Group is committed to ensuring the confidentiality of client’s personal information in accordance with the Australian Privacy Principles in the Privacy Act 1988.

Why we collect information – 

We collect information from clients for a number of reasons including:

·       To deliver products or services to you;

·       To better understand your requirements and preferences;

·       To improve our service to you;

·       Preparing your financial plan

·       To provide financial advice to you;

·       Establish and manage your investments and accounts;

·       Implement your investment and insurance instructions;

·       Process any contributions, transfers or payments of benefits;

·       Monitor and report the investment performance of your account;

·       Reviewing your property plan;

·       To provide you with future products and services you may be interested in;

·       To fulfil our regulatory and legislative requirements.

How we collect this information

Information is generally collected from:

·       When we ascertain from clients the facts necessary to make a fair and reasonable assessment of their needs and objectives (“Fact Find”);

·       When a client completes an property sale, property rental or tenancy application form;

·       When a client completes an application form for insurance;

·       When a client completes an application form for an insurance claim;

·       When a client completes and application form for investments;

·       When a client completes an application form for superannuation;

·       When a client completes an application form to increase their level of insurance;

·       When a client completes supplementary medical or financial questionnaires.

If a client is unable to provide us with their personal information, we may not be able to organise for them to receive a product or service.

We may collect or provide personal information from a third party (such as other members of the Prowealth Group, another Financial Adviser, Product Provider or Medical Practitioner) or a publicly available source but only if the client has consented to the collection or it can reasonably be expected that it has been provided by the client.

Tax File Numbers

The Prowealth Group may need to collect a client’s tax file number to provide them with a product or a service. However this information will be kept securely.

What we collect

The personal information generally collected includes but may not be limited to:

·       Name;

·       Address;

·       Phone number;

·       Email address;

·       Age details;

·       Occupation;

·       Financial details;

·       Transaction information;

·       Bank account details;

·       Tax File Number;

·       Income details;

·       Beneficiary details.

Disclosure of personal information

There may be cases where the Prowealth Group will need to disclose a client’s personal information to third parties.

This is generally to assist us in providing the client with a product or service. This may include:

·       Doctors, medical services or other organisation to help assist with the collection of information for an insurance application or a claim;

·       Any fund (investment administrator or superannuation trustee) to which your benefit is transferred, created or rolled over;

·       Your employer where it relates to your employer sponsored superannuation arrangement;

·       Your personal representative or any other person who may be entitled to receive your death benefit;

·       An external dispute resolution service, insurer or legal representative (where required or applicable);

·       The policy owner (where the client is the life insurer but not the owner);

·       Exchange of information with authorised financial institutions to confirm bank account details for payment.

If required by law or a regulatory body to do so, Prowealth Group, will comply and provide the appropriate body with the required client information upon receipt of a court order or other document which we reasonably determine to be authorised by You.

Access to personal information

Clients are able to access any personal information that is held by Prowealth Group, subject to limited exceptions or required by law.

The following factors will be considered:

·       The information is related to a commercially sensitive decision making process;

·       Access would be unlawful;

·       Denying access is required or authorised by or under law;

·       Providing access would be likely to prejudice an investigation of possible unlawful activity.

To access the information, a client will need to contact the Privacy Officer as detailed in this policy. If the information is inaccurate, incomplete or not up to date, the client is encouraged to update their details.

Clients may be charged a small fee applicable to the collection and provision of their personal information but will be notified of this fee prior to processing their request. The Prowealth Group will be able to advise the client how long it will take to provide the information. Generally however, clients will receive the requested information within 30 days of the request.

Where we are unable to provide you with the information you have requested, we will information you and explain the reasons why.

Overseas disclosure

Your personal information may be disclosed to our overseas subsidiary, ‘Beepo Inc’ Australian Support Services Pty Ltd trading as Beepo Australia (ABN 29 167 554 967), which is located in the Philippines. We also store electronic personal information using cloud technology, which may involve the transfer of data to other foreign countries. Before any personal information is disclosed to a recipient in a foreign country, the Privacy Act requires us to take such steps as are reasonable in the circumstances to ensure that the recipient does not breach the APPs in relation to the information. However, if you consent to the disclosure of your personal information to overseas recipients, we are not required to take such steps.

By submitting your personal information to us, you expressly consent to the disclosure, transfer, storage or processing of your personal information outside of Australia. In providing this consent, you understand and acknowledge that countries outside Australia may not have the same privacy protection obligations as Australia in relation to personal information.

Destruction and de-identification

We will retain your personal information whilst it is required for any of our business functions, or for any other lawful purpose. We use secure methods to destroy your personal information when it is no longer needed.

Requests for access and correction

We have procedures in place for dealing with and responding to requests for access to, and correction of, the personal information held about you. In most cases, we expect that we will be able to comply with your request. However, if we do not agree to provide you access or to correct the information as requested, we will give you written reasons for our decision. For further information, please contact us at info@beepo.com.au.

To assist us to keep our records up-to-date, please notify us at info@beepo.com.au of any changes to your personal information.

Data Breaches

If we suspect that a data breach has occurred, we will undertake an assessment into the circumstances of the suspected breach within 30 days after the suspected breach has occurred. Where it is ascertained that a breach has actually occurred and where required by law, we will notify the Privacy Commissioner and affected customers as soon as practicable after becoming aware that a data breach has occurred.

Privacy Officer

The Prowealth Group has nominated a Privacy Officer to handle any queries or issues related to Privacy.

This person has been nominated at a senior level and has access to the Board of the Prowealth Group companies.

Name:                    Daniel Goodwin

Phone:                   1800 13 22 64

Email:                     danielg@ladea.com.au

Post:                       PO Box 413, Paddington QLD 4064

Terms Of Use

The information contained on this Web Site is supplied by Prowealth in good faith and on an as is basis. The information is believed to be accurate and current at the date the information was placed on this Web Site. Neither Prowealth, its directors, affiliates or employees accept any liability, direct or indirect, for any injury, loss, damage, claim or any incidental or consequential damages including but not limited to lost profits or savings arising out of or in any way connected with the use of any information on this Web Site.

Any advice on this site has been prepared without taking account your objectives, financial situation or needs; and you should, before acting on the advice, consider the appropriateness of the advice, having regard to your objectives, financial situation and needs; and if the advice relates to the acquisition, or possible acquisition, of a particular financial product-you should:
(i) if the product is not a CGS depository interest–obtain a Product Disclosure Statement (see relating to the product and consider the Statement before making any decision about whether to acquire the product; or
(ii) if the product is a CGS depository interest–obtain each information statement for the class of CGS depository interests that includes the product and consider the statement before making any decision about whether to acquire the product.

DISCONTINUED SERVICE WARNING

This website or document may contain references to Prowealth Financial Planning Pty Ltd or PFP Private Wealth which is no longer part of the Prowealth Group of companies.

We recommend that you seek professional advice from a financial adviser before making any decision to establish a SMSF with any provider or to purchase any financial product referred to on this site.

A licensed financial adviser will consider your personal situation and make a recommendation suitable to your particular financial needs. Importantly however using a financial advisor is optional and it is totally your decision if you wish to appoint one.

Always remember that Prowealth Investments/Property cannot advise you about which super fund best suits you or which investments should be in your Fund. Importantly you should consider all your super options before making a decision about managing your own super.

Copyright

The copyright of the content data (including the underlying HTML files and data base records) of this Web Site is owned by Prowealth. Apart from any fair dealing for the purposes of private study, research, criticism or review as permitted under the Copyright Act no part of this Web Site may be reproduced or copied in any form or by any means or process without express written permission. Enquiries should be addressed to administration.

Information Security

Prowealth safeguards your personal information by use of the latest in security technology. You are entitled to request a record of information and request us to update and delete any personal information received from you. Please note that sometimes information cannot be completely deleted due to technical or accounting requirements.