Skip to content
Default design
(03) 9744 7144
  • Home
  • About Us
  • Our Services
    • Tax & Accounting
      • Summary
      • Financial Statements
      • Personal & Business Income Tax Returns
      • Tax Planning Strategies
      • Audit Insurance
      • Xero Accounting
      • Single Touch Payroll
    • Business Strategies
      • How do I start a business?
      • How do I grow my business?
      • Book your BONUS Session
      • Business Planning
      • Cash Flow Management
      • Business Coaching
    • Wealth & Investment Solutions
      • Summary
      • Integrated Management
    • Financial Planning
      • Summary
      • Starting out
      • Protecting your family
      • Have you got enough for retirement?
      • Wealth Creation
    • Superannuation
      • Superannuation Strategies
  • Events & Seminars
    • Supporting your Business Beyond the Books
    • Calendar of Events 2021-2022
    • Working ON your business, not IN your business webinar
    • Business Continuity Plan
    • Business Recovery Planning
    • How to start a business workshop
    • 7 ways to grow your business
    • Financially Well Organised Program
    • 10 hats in every business seminar
    • When property developers come knocking
    • Centre of Excellence Training Room for Hire
  • Knowledge Centre
    • Sage Dedicated Covid-19 Financial Resource Hub
    • Watch our latest videos
    • Download our latest e-books
    • Frequently Asked Questions
    • Your questions answered
    • Important Documents
    • Log in to the Xero portal
  • Contact
    • Contact Sage Sunbury
    • Contact Sage Wallan

PRIVACY POLICY, DISCLAIMER, CANCELLATION & REFUND POLICY

 

PURPOSE

The purpose of this policy is to establish procedures and guidelines regarding the use of private client and business information.  Sage Business Group is committed to ensuring he continued integrity and security of the personal information intrusted to the business and aim to comply at all times with the privacy laws (incorporating the Australian Privacy Principles) that apply.

POLICY

The Sage Business Group recognises the importance of protecting your privacy. We are committed to ensuring the continued integrity and security of the personal information you entrust to us.

We appreciate that the success of our business is largely dependent upon a relationship of trust being established and maintained with past, current and prospective customers, shareholders and other individuals with whom we conduct business. We will therefore continue to collect and manage your personal information with a high degree of diligence and care.

Our aim is to comply at all times with the privacy laws (incorporating the Australian Privacy Principles) that apply to us. If you have a comment, query or complaint regarding a privacy matter, we encourage you to discuss it with us.

Collection

We usually collect personal information directly from you. Sometimes we collect or confirm this information from a third party such as a credit reporting body. We will use reasonable efforts to obtain your consent to do this.

We collect personal information that includes details such as your:

  • Name
  • Address
  • Date of birth
  • Contact details (such as phone and fax numbers, e-mail addresses)
  • Financial information such as information about your use of financial products and services which you acquire from or through us.

In some cases, we may need to collect sensitive information about you (such as health related information). We will first seek your consent to collect such information where we are required to do so.

When you visit our website, apps or other web-based content and services (“Websites”), either we or our service provider will record information (such as your computer’s IP address and top level domain name, the type of browser you are using, the date, time and pages accessed) in relation to your visit.

Use and disclosure

We use your personal information in order to:

  • Provide you with financial products and services (including situations where we are an agent for another product issuer)
  • Assist you with your queries or concerns
  • Comply with any legal or regulatory obligations imposed on us
  • Perform our necessary business functions (such as internal audit investigations, performance reporting, research, product development and planning).

To do this, we may disclose your personal information to organisations that carry out functions on the Group’s behalf. This may include for example mailing and printing houses, cheque and electronic transaction processors, information technology service providers, professional advisers, account holders and operators, valuers, introducers, guarantors, debt collection agencies, regulators and government authorities. Our agreements with these entities ensure this information is only used to carry out functions on our behalf.

Depending upon the type of product you have requested, we may also disclose your personal information to a manager of a superannuation fund and insurance companies.

We may also disclose your personal information to an individual or an organisation (a ‘third party’) if:

  • You direct us to do so;
  • You consent to the third party obtaining the information from us; or
  • You consent to the third party accessing the information on our systems, and/or do anything which enables the third party to obtain access.

Your consent to a third party obtaining or accessing information may be implied from:

  • Your use of any service or application which a third party provides to you, or makes available to you, which involves the third party obtaining or accessing personal information held by us or organisations like us; or
  • You doing anything else which enables the third party to obtain access to the information.

We may also use your personal information to tell you about other products and services we think you may be interested in. This may include products and services offered or distributed by us or the companies we are associated with. You can opt out of receiving this information (see below - ‘Opting out of product promotions’). We do not sell your personal information to third parties.

We provide services to a number of business partners and their customers. In order to provide these services, personal information may be used and exchanged. The information of these customers is given the same level of protection and treated in the same way as for clients of Sage Business Group.

Where we have collected your personal information on behalf of another party (for example, where we are an agent for another product issuer) the use of your personal information by that party is governed by their privacy policy. You should contact them to understand how they might use your personal information.

Access and correction

In most cases you can gain access to your personal information held by us. We will also take reasonable steps to amend or correct your personal information to keep it accurate and up-to date. Please contact us if you would like to access or request a correction of your personal information (see ‘‘Contacting us’ below).

Opting out of product promotions

You can opt out of receiving direct marketing material at any time by contacting us (see ‘Contacting us’ below).

If you do opt out, we will continue to provide information in relation to your existing accounts or facilities only (including new features or products related to these accounts/facilities).

Storage and security of your personal information

We will take reasonable steps to keep the personal information that we hold about you secure to ensure that it is protected from loss, unauthorised access, use, modification or disclosure.

Your personal information is stored within secure systems that are protected in controlled facilities. Our employees and authorised agents are obliged to respect the confidentiality of any personal information held by us.

You can also help to keep the personal information that we hold about you secure by taking care before you authorise or otherwise assist any third party to obtain or gain access to that information (see ‘Use and disclosure’ above).

Our Websites and the use of cookies

We use our best efforts to ensure that information received via our Websites remains secured within our systems. We are regularly reviewing developments in online security; however, users should be aware that there are inherent risks in transmitting information across the internet. Information transmitted via our Websites is protected by a 128-bit encryption technology.

We use cookies on our Websites. Cookies can make using our Websites easier by storing information about your preferences and enabling you to take full advantage of our services. Cookies are very small text files that a Website can transfer to your computer’s hard drive or portable electronic device’s memory for record keeping.

We may also use cookies so that we can determine which parts of our Websites are visited most often, or whether you visited our site from a banner advertisement for one of our products and services on another party’s website, and other sites you may visit from our Websites.

Sometimes cookies are used by a third-party service provider with whom we have an agreement to monitor the success of our marketing campaigns. The third-party service provider uses the cookies to collect information such as when you visited our site, your browser type and the server that your computer is logged in to.

The information is used in an aggregate form and generally no personal information is collected by the third party service provider. Our agreements with these third parties ensure this information is only used to carry out functions on our behalf, and if any personal information is collected the confidentiality of that information is maintained.

We may also use cookies so that we can see which parts of our Websites you visit when you access those Websites..  We may use this information for marketing products and services to you. We keep this information confidential and we do not disclose it to third parties.

Most internet web browsers are pre-set to accept cookies to enable full use of websites that employ them. However, if you do not wish to receive any cookies on an internet web browser you may configure your browser to reject them or receive a warning when cookies are being used. In some instances, this may mean that you will not be able to use some or all of the services provided on our websites. However, you may still be able to access information only pages.

Changes to this policy

From time to time, it may be necessary for us to review our Privacy Policy and the information contained in this document. We will notify you of any changes by posting an updated version on our Websites.

Privacy concerns or complaints

If you have concerns or wish to make a complaint regarding the handling of your personal information by us, please contact our office or at EMAIL ADDRESS.  We will promptly investigate your complaint and notify you of the outcome. If you are still not satisfied with the outcome of your complaint you may in some cases refer your complaint to: 

Financial Ombudsman Service Australia: 

Tel: 1800 FOS AUS (1800 367 287)

Website: www.fos.org.au

 

Office of the Australian Information Commissioner

Tel: 1300 363 992

Website: www.oaic.gov.au

 

REFERENCES:

  • Freedom of Information Act 1982 (Vic)
  • Privacy & Data Protection Act 2014 (Vic)
  • Office of the Commissioner for Privacy & Data Protection

 

CHANGES TO POLICY

Sage Business Group may need to amend or vary this policy from time to time. We will notify you of any changes by posting an updated version on our website.