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Our Guided Terms & Conditions

Our Terms & Conditions, Disclaimer And Privacy

We are a listed financial services business, Financial Streams Pty Ltd, and an authorised representative of Fortnum Private Wealth Ltd and therefore regulated…

Our Terms

OUR WEBSITE’S TERMS AND CONDITIONS

This website has been prepared by Financial Streams Pty Ltd ABN 48 631 169 876, a Corporate Authorised Representative of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306. Financial Streams Pty Ltd and its advisers are Authorised Representatives of Fortnum Private Wealth Ltd and are authorised to provide financial advice and services on behalf of Fortnum Private Wealth Ltd. However, nothing contained on this website should be construed as the giving of financial advice or providing financial services. You may obtain advice from a Financial Planning adviser by contacting them directly. Please refer to the "Contact Us" section to obtain contact details of Financial Streams Pty Ltd advisers.


No information contained on this website should be construed as giving any type of guarantee. Specifically, nothing on this website is to be interpreted as a guarantee or forecast as to the future performance of any investment. Any past performance information does not guarantee future performance. The information on this website has been prepared in good faith, from sources believed to be accurate at the time. While Financial Streams Pty Ltd will take reasonable steps to keep the information up-to-date and accurate, Financial Streams Pty Ltd does not warrant or represent that the information is accurate or complete or up-to-date.

DISCLAIMER

So far as permitted by law, Financial Streams Pty Ltd disclaims liability for, and is not responsible for, any inaccuracies, incompleteness or subsequent changes to the sources that may affect the accuracy of the information as it appears on this website from time to time or any losses, expenses or damage in connection with any such inaccuracies, incompleteness or subsequent changes. Financial Streams Pty Ltd is not responsible for any of the information or content appearing on third party websites to which it provides links via this website. Any links that are provided on this website have been provided purely for your convenience.


(a) You acknowledge that the Content on the Site(s) is subject to copyright, trade mark and possibly other intellectual property rights. In these Terms and Conditions, “Content” means anything that you may see, read, hear, upload, download or access on or via the Site(s) (including but not limited to messages, files, data, software, images, artwork, graphics, design, photographs, illustrations, text, music, songs, videos, tags and other

materials or subject-matter on the Site(s)).


INTELLECTUAL PROPERTY

Unless you are expressly authorised by us (Financial Streams Pty Ltd), or otherwise by law, you must not do any of the following yourself, or permit or authorise any other person to:


(i) sell, reproduce, publish, distribute, communicate to the public (e.g. by making available online or electronically transmitting) modify, display, perform in public, prepare derivative works based on or make an adaptation of, repost or otherwise use any of the Content (or any readily identifiable portion of the Content) in any way without our prior written consent; or

(ii) otherwise infringe the intellectual property rights of any person in using the Site(s) or any Content. During your use of the Site, we may issue to and request from your device blocks of data known as “cookies”. We use cookies to enable the website to work more efficiently and to provide us with information about your activities on the Site. Our cookies will not allow us to obtain information of a personal nature that will identify you to us, such as your name and address. We will only be aware of such information if you provide the information to us, or you have set the preferences in your browser to provide this information automatically.



USE OF COOKIES

Details of the cookies we use on the Financial Streams Pty Ltd Site are as follows:

(i) cookies that are essential in order to enable you to move around the Site and use its features;

(ii) cookies that collect information about how visitors use the Site, for instance which pages visitors go to most often. All information these cookies collect is aggregated and therefore anonymous.

By using this website, you agree that we can place these types of cookies on your device.

PRIVACY

IMPORTANT INTRODUCTION

Fortnum Private Wealth Ltd (FPW) and its Principal Practices and associated entities, including any Authorised Representatives (Fortnum Group Members) (collectively, “we” or “us”) take very seriously our obligations under the Commonwealth Privacy Act (Privacy Act) to protect your personal information. Under the Privacy Act, we are bound by the Australian Privacy Principles, and in this Privacy Policy, we describe how we intend to meet our privacy obligations.


PERSONAL INFORMATION

The Privacy Act sets out the information that it protects.

Personal information generally means information or an opinion about a person, where the person is identified or is reasonably identifiable.

Sensitive information means a person’s health information, genetic information, certain biometric information and biometric templates. It also means certain personal information, being an opinion about a person’s:

Where in this Privacy Policy we refer to personal information, unless the context requires otherwise that is a reference to both personal information and sensitive information.


PERSONAL INFORMATION COLLECTED AND HELD

FPW and Fortnum Group Members only collect and hold personal information that is relevant to, and reasonably necessary for, the financial and other services we provide to you. In addition, we only collect sensitive information if you consent, or in specific circumstances set down in the Australian Privacy Principles.

The kind of information we will be likely to collect and hold includes your name, address and contact details, tax file number, personal medical information, your date of birth and details about your financial circumstances, goals and strategies.


CONSEQUENCES OF NOT PROVIDING YOUR PERSONAL INFORMATION

You are not obliged to give us your personal information. However, if you decide not to give us information needed in order to provide you with services, we may not be able to provide those services to you.


HOW YOUR PERSONAL INFORMATION IS COLLECTED AND HELD

FPW and Fortnum Group Members must collect personal information only by lawful and fair means. We will usually only collect your personal information directly from you, for example, in discussion with you or via email. We may collect your personal information from another person if you consent, if we are required or allowed by law to do so, or if it would be unreasonable or impracticable for us to have to collect it from you.

For example, it may be necessary to collect personal details from third parties, such as issuers or operators of financial products or financial services. However, we will endeavour to collect such information directly from you wherever practicable.

When we collect personal information about you, we will tell you why it is being collected, the organisations, or the types of organisations, to whom we usually disclose that kind of information, any law that requires the information to be collected, and the main consequences for you if the information (or part of the information) is not provided. We will also give you our contact details and tell you about how you can access the information.

Fortnum Private Wealth Ltd utilises a web based client relationship management tool called Insightly that stores its data in the United Kingdom and United States of America. There could be times where a portion of your data is being stored through this tool. We have attached a link to the Insightly Privacy Policy for your information:https://www.insightly.com/privacy-policy/

In addition, Fortnum Private Wealth Ltd uses the Microsoft Office 365 operating system. Portions of your data may be stored through these systems. Microsoft have confirmed that data is stored in part in Australia and also the United States of America. We have attached a link to the Microsoft Privacy Policy for your information:https://privacy.microsoft.com/en-ca/privacystatement

In addition, Fortnum Private Wealth Ltd utilises the services of a Contractor who, from time to time, is located in Cambodia and the Philippines.

Your adviser may disclose your personal information to overseas recipients in order to access services they provide, such as paraplanning and administration. If this is the case, your Adviser or their Principal Practice will provide you with details, including the relevant countries. If you consent to this overseas disclosure, it is on the basis that Fortnum Private Wealth Ltd has not checked that the overseas recipient complies with the Privacy Act but rather, this due diligence has been undertaken by the Principal Practice.


HOW YOUR PERSONAL INFORMATION IS USED

Personal information is collected and held so that FPW and your Adviser can provide you with services you request. This is known as the “primary purpose” for collecting and holding personal information.

We cannot use or disclose your personal information for any secondary purposes unless certain circumstances apply.

We can use or disclose personal information for a secondary purpose where you give us your consent to do so, or where:

The types of secondary purposes for which we would ordinarily use or disclose your personal information include contacting you regarding other services that we believe may be of interest to you.

We may also use or disclose information where such use or disclosure is permitted by the Australian Privacy Principles. For example, where reasonably necessary to deal with unlawful activity or serious threats to life, health or safety.

Some primary and secondary purposes will require disclosure of your personal information to third parties. Some examples of when this would be required include for the purpose of providing you with services. The likely recipients would be the issuers or operators of financial products or financial services and providers of office and related services to us. We will require that any third parties to whom we disclose personal information will only use that information for the purposes for which we disclosed it to them and on the basis that they will comply with their privacy obligations.

If your Fortnum Group Member moves to another Australian Financial Services Licensee (AFSL), we may provide your personal information to the other AFSL to enable your Fortnum Group Member to continue providing you with services. Similarly, if your Fortnum group member sells their business to another financial adviser or AFSL we may provide your personal information to them to enable them to provide you with services. In the event of either of these things occurring, FPW will notify you in advance and you will have the ability to opt out of this transition.


DATA QUALITY AND PROTECTION

FPW and your Fortnum Group Member will take reasonable steps:

We will also take reasonable steps to protect your personal information from misuse, interference and loss, and from unauthorised access, modification and disclosure. Once your personal information is no longer required by us, we will take reasonable steps to destroy or permanently de-identify that personal information, except in circumstances where we are required by law to retain it.


ACCESS AND CORRECTION

If you think the personal information FPW and your Fortnum Group Member hold about you is not accurate, complete or up-to-date, you should let us know. Also, please let us know any relevant changes to your personal circumstances as soon as possible.

We will take reasonable steps to correct information where you provide sufficient evidence or we are otherwise satisfied, having regard for the purpose for which the information is held, that the information is inaccurate, out-of-date, incomplete, irrelevant or misleading. We will also notify the correction to other parties to whom we have previously disclosed the information and if such a party refuses to make a correction, we will notify you of that refusal and how you can make a complaint.

If you require access to personal information we hold about you, please send us an email to info(at)fortnum.com.au. We will generally allow access, unless certain exceptions apply under the Australian Privacy Principles – for example, if we reasonably consider providing access would pose a serious threat to the life, health or safety of any person, or providing access would be likely to prejudice action being taken by an enforcement body, or providing access would be unlawful.

Your request should specify the information to which you require access or which you wish to be corrected. We will keep a record of your request for and the manner in which it was dealt with.

We will not charge you for requesting access to, or correction of, your personal information. We may, however, charge you the costs associated with meeting your request for access, for example photocopying and postage costs.

We are required to respond to your request for access or correction within a reasonable period, of receipt of your request.

We will provide you with access in the manner you request, if it is reasonable and practicable to do so.

If we cannot meet your request for access or correction, we will notify you by email and where reasonable we will give you our reason and take steps to provide you with access. We will also tell you about how you can complain about our decision.


ANONYMITY

You can contact us anonymously or by using a pseudonym. However, being unable to identify you will limit the services your Fortnum Group Member can provide you and there may be specific cases where we are prevented by law from dealing with you unless we identify you.


DATA BREACH

Should a data breach occur, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) of the data breaches that are likely to result in serious harm within 30 days of the breach event.

The factors which might contribute to a reasonable person thinking “serious harm” might have occurred include:


COMPLAINTS AND FURTHER INFORMATION

If you would like further information about how we handle your personal information, please send us an email to info(at)fortnum.com.au .

If you wish to make a complaint in relation to privacy, including a breach of the Australian Privacy Principles, please put your concerns in writing to:-


Head of Advice

Fortnum Private Wealth Ltd PO Box 1988

North Sydney NSW 2059 Telephone: 02 9904 2792

FPW will investigate your complaint and respond to your concerns as quickly as possible and within 45 days

IMPORTANT

Financial Streams Pty Ltd is a Authorised Representative of Fortnum Private Wealth Ltd and share their Privacy statement in protecting your personal information. To view Fortnum Private Wealth Ltd’s Privacy statement please go to their website…


Fortnum Private Wealth Ltd’s Privacy statement (website)

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View Privacy Statement

Offering clear, strategic personal advice that is straight-forward yet specific to you and your future needs.

I am passionate about helping my clients make better decisions in regards to their money. By simplifying complex concepts and keeping my clients informed I am able to significantly increase the likelihood of them achieving their goals. I feel privileged to be a part of my clients financial journey.

Contact my team to book in an obligation-free meeting today.

Authorised Representative of

Fortnum Private Wealth Ltd

FSG

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