Illuminvest (us, we, our or Illuminvest) is committed to protecting the privacy of the individuals with which it interacts (you, your) and maintains a policy of confidence concerning your personal information (Policy).
This Policy addresses how we deal with your personal information has been developed in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act).
By accessing the Illuminvest website www.Illuminvest.com.au (Website) or otherwise dealing with us you accept the terms of this Policy. We may change this Privacy Policy from time to time by publishing changes to it on our website. Please check our website regularly to ensure that you are aware of any changes to this Privacy Policy.
In order to provide our services to you, we need to collect and retain some personal information. Personal information is understood to be any information or an opinion that reasonably identifies an individual. For example, this may include your name, email address and contact details.
Wherever practicable, Illuminvest will collect your personal information directly from you. We generally collect your personal information when we provide you with our services, or submit your details to the Website. We may also collect personal information directly from you on the phone or via electronic means such as an email.
This information will not be shared with third party organisations unless we are obliged to by the relevant laws.
Illuminvest will not sell your personal information to third parties. If you provide us with your email address, Illuminvest may, from time to time, share with you information about other products and services that we think you may find to be of interest. If you wish to change the types of communications you receive from us, you may do so by emailing your request via the contact us section on the home page.
Please note that opting-out of receiving promotional email will not affect receipt of service-related, transactional, or legal communication via email in accordance with the Terms. Illuminvest will not disclose your personal information to third parties unless disclosure is necessary to comply with relevant law of the land and/or below:
We use and may disclose your personal information in order to:
- Provide services to you;
- Research, develop, administer, protect and improve our services;
- Check your credit worthiness with a Credit Reporting Agency; and
- Comply with a legislative instrument such as a request for information by a regulatory body or a Court Order.
Excluding the requirements above, we will not share any information you give to us to any other entity without your express permission.
Customers may request access to personal information collected by Illuminvest in relation to themselves and the use of their account. We work to ensure these details are always correct and up-to-date and will amend any inaccuracies or make changes to details upon request.
By law, we must retain some customer information for a minimum of five years. However, we do not retain clients’ personal information longer than is necessary for the purposes of compliance with the law and routine administration.
We are constantly improving and enhancing our services and may update this privacy policy from time to time. Any changes to the policy will be reflected by an updated page on our website.
If you have any queries or comments concerning our privacy policy, please contact us.
We store your personal information in a variety of ways which includes both electronic and paper form. The security of your personal information is paramount, and we take reasonable steps to protect it from misuse, interference, loss, unauthorised access, modification or disclosure. Proof is always required before information is released to any person, including the customer.
However, we cannot guarantee the security of your information.
There are circumstances under relevant privacy legislation where we are required to disclose certain information. For instance, we may be required to provide details to:
Australian Government regulators such as the Australian Securities and Investments Commission (ASIC), the Australian Tax Office (ATO), the Australian Transaction Reports and Analysis Centre (AUSTRAC), and to other regulatory or government entities;
- Financial Australian Complaints Authority (AFCA);
- as required by a court order; and
- your spouse in accordance with the Family Law Act requirements.
We may also provide some information to market research companies for the purpose of analysing our client base. We may provide our clients’ contact details to market research companies to undertake research on behalf of Illuminvest. For example, we may run investor satisfaction surveys, or run focus groups on proposed products or services. These agencies must return all records of this information to Illuminvest. You can contact us at any time if you no longer wish us to use your personal information for marketing purposes.
We may need to share some of your information with organisations outside Australia. In this regard, Illuminvest does not currently have any arrangements with parties outside of Australia. If this changes in future, we will take reasonable steps to ensure that the overseas recipient does not breach the APPs in relation to the information, however you consent to the disclosure on the understanding that if the overseas recipient does handle your personal information in breach of the APPs, we will not be liable under the Privacy Act and nor will you be able to seek redress under the Privacy Act.
You further understand that overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure
Illuminvest relies on the accuracy of the personal information provided by its clients. We aim to ensure that it is accurate, up-to-date and complete. We will endeavour to prompt you to update your information when we have contact with you or by other means, however, if any of your details change, or you have any concerns regarding its accuracy you should contact us.
At your request, we will take reasonable steps to let you know, generally, what sort of personal information we hold. Where you make such a request, a reasonable fee may be charged for the provision of this information if the request will create costs for us outside our day-to-day business costs. This charge will not be excessive and will not be charged merely to lodge a request.
We will respond to your request for access to your information within a reasonable time after you make the request and if access is granted, access will be provided within 30 days from such request. Your request for correction will be dealt with within 30 days, or such longer period as agreed by you.
Our decision to grant you the requested access is subject to some exceptions allowed by law, for example:
if providing access would be unlawful;
if access would prejudice enforcement activities relating to criminal activities or a security function, or
denying access is required or authorised by or under an Australian law or a court/tribunal.
If access is denied, we will provide you with the reason why. To contact us about access to and correction of your personal information, please contact us using the contact details provided in this policy.
We may collect personal information about you when you use and access our website. While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages use visit, the time and date of your visit and the internet protocol address assigned to your computer. We may also use ‘cookies’ or other similar tracking technologies on your website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/ or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we are not responsible for the privacy practices of, or any content on, those linked websites and have no control over or rights in those linked websites. The privacy policy that apply to those other websites may differ substantially form our Privacy Policy, so we encourage individuals to read them before using those websites.
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details set out below. Please include your name, email address and telephone number and clearly describe your complaint. We will acknowledge your compliant and respond to you regarding your complaint within 30 business days. If you think that we have failed to resolve the compliant satisfactory, we will provide you with information about the further steps you can take.
If you have any questions relating to this privacy statement, wish to opt out of marketing communications, or access or correct your personal information, or if you have any concerns about the way in which we have handled your personal information, please do not hesitate to contact us;
The Privacy Officer
Illuminvest
Email: admin@Illuminvest.com.au