Privacy Policy for Barnes Murray Financial

Barnes Murray Financial ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other applicable privacy laws.

By using our services, visiting our website, or interacting with us, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

1. What Information We Collect

We may collect personal information that is necessary for providing our financial services, including but not limited to:

1.1 Personal and Contact Information

• Full name, date of birth, gender, marital status
• Residential and mailing addresses
• Email address and phone number
• Identification documents (passport, driver’s license, or other forms of ID)

1.2 Financial and Investment Information

• Income details, employment status, and employer information
• Bank account details and credit history
• Tax file number (TFN), superannuation details, and financial goals
• Details about your assets, liabilities, expenses, and investments

1.3 Sensitive Information (Collected with Your Consent)

• Health and medical information if relevant to insurance or financial planning
• Racial or ethnic background (if required for specific financial services)
• Legal and family matters that may impact financial planning

1.4 Website and Online Usage Data

• IP address, browser type, and operating system
• Pages visited, time spent on the website, and other analytical data
• Cookies and tracking technologies for website functionality and security

We take reasonable steps to ensure the information we collect is accurate, up-to-date, and complete.

2. How We Collect Your Information

We may collect personal information in the following ways:

2.1 Directly From You

• When you fill out a form, contact us via phone or email, or visit our office
• When you use our website, online tools, or client portal
• When you attend our seminars or webinars
• During financial consultations or investment planning meetings

2.2 From Third Parties (With Your Consent)

• Financial institutions, accountants, and legal representatives
• Credit reporting agencies and insurers
• Government agencies (such as the Australian Taxation Office)
• Superannuation and investment providers

2.3 Automated Collection

• Website tracking technologies (cookies, analytics tools)
• Email tracking to monitor customer interactions

You can opt out of certain types of data collection by adjusting your browser settings or contacting us.

3. How We Use Your Information

We use personal information to:

• Provide financial planning, wealth management, and investment services
• Develop tailored financial strategies and recommendations
• Process transactions, investment applications, and insurance policies
• Conduct identity verification and fraud prevention
• Comply with legal and regulatory obligations
• Communicate with you regarding financial services, updates, and promotions
• Improve our website, marketing efforts, and customer experience

We will only use your personal data for the purpose it was collected unless required by law or with your consent.

4. Disclosure of Personal Information

We may disclose your personal information to:

4.1 Third-Party Service Providers

• Banks, insurers, and investment platforms
• Accountants, auditors, and financial professionals
• Government agencies, regulators, and law enforcement (if required)

4.2 Business Partners

• IT service providers managing our website and client systems
• Marketing and analytics companies assisting in business operations

4.3 Legal and Regulatory Compliance

We may disclose personal information when required by law, such as:

• Court orders or subpoenas
• Regulatory audits or compliance checks
• Taxation and anti-money laundering obligations

We do not sell, rent, or trade your personal information to third parties.

5. Data Security and Protection

We implement strict security measures to protect your personal data, including:

• Encryption and secure storage of sensitive financial data
• Access controls to restrict unauthorized personnel
• Regular security audits to ensure compliance with industry standards

If we suspect a data breach, we will take immediate action, notify affected individuals, and report it to the Office of the Australian Information Commissioner (OAIC) if necessary.

6. Data Retention

We retain personal information only for as long as necessary:

• To provide financial services and maintain client relationships
• To comply with legal and regulatory obligations
• For record-keeping purposes in case of audits or disputes

Once data is no longer required, we securely delete or anonymize it.

7. Your Rights and Choices

Under Australian privacy laws, you have the right to:

7.1 Access and Correct Your Information

• Request a copy of the personal data we hold about you
• Correct any inaccuracies or update your details

7.2 Withdraw Consent

• You can opt out of marketing communications at any time
• You may request deletion of personal data unless required for legal reasons

7.3 Make a Complaint

If you believe your privacy has been violated, you can:

1. Contact Us First – We will investigate and respond within 30 days.
2. Complain to the OAIC – If unsatisfied, you can escalate the issue to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

8. Cookies and Online Tracking

Our website uses cookies and analytics tools to improve functionality and user experience. Cookies help us:

• Recognize returning visitors
• Analyze website traffic and performance
• Provide personalized content and advertisements

You can disable cookies in your browser settings, but some website features may not work properly.

9. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices, and we encourage you to review their policies before sharing personal information.

10. International Data Transfers

While we primarily store and process data within Australia, some third-party providers may be located overseas. If personal data is transferred outside Australia, we ensure:

• The recipient complies with Australian privacy laws or equivalent protections
• Appropriate contractual safeguards are in place

11. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and significant updates will be communicated to clients.

12. Contact Us

For any privacy-related inquiries, please contact:

📍 Barnes Murray Financial
Suite 1-2/ 78B Main St, Alstonville NSW 2477
📞 (02) 6628 6299
📧 [email protected]

By using our services, you agree to the terms outlined in this Privacy Policy.