Whenever it is reasonable and practicable to do so, we only collect information about you directly from you. In some cases, we collect personal information from third parties including public sources, our related companies, referrers, brokers, agents, your adviser(s) and our service providers including credit reporting bodies and information service providers.
We only collect personal information about you which is reasonably necessary to:
We generally hold personal information relating to:
We do not generally collect sensitive information about you unless required by applicable laws or rules. Sensitive information includes information relating to:
We only use and disclose personal information about you for the purpose for which it was disclosed to us or related purposes which would reasonably be expected without your permission. For example, we may use and disclose personal information to process applications, administer and manage our products and services including monitoring, auditing, and evaluating those products and services, model and test data, communicate with you and deal with any complaints or enquiries. We may also use and disclose your personal information (on a confidential basis) in connection with acquisitions, mergers or changes in control of our business or assets.
We may from time to time also use your personal information to inform you of investment opportunities or to provide information about products and services which we expect may be of interest to you. However, we do respect your right to ask us not to do this.
We do not sell personal information to other organisations to allow them to do this.
We may share personal information with our related bodies corporate ("RMS Group") , and may disclose personal information outside the RMS Group:
In some circumstances these third parties may operate outside of Australia (this includes New Zealand). While those parties will often be subject to confidentiality or privacy obligations, by agreeing to this Privacy Policy you agree that they may not always follow the particular requirements of Australian privacy laws.
Laws and rules regarding the use of personal information may vary by jurisdiction. We comply with applicable laws and rules in the relevant jurisdiction.
We take reasonable steps to ensure that all information we hold is as accurate as is possible. You are able to contact us at any time and ask for its correction if you feel the information we have about you is inaccurate or incomplete.
We use security procedures and technology to protect the information we hold. Access to and use of personal information by us and the RMS Group is appropriately limited to prevent misuse or unlawful disclosure of the information.
If other organisations provide support services, we require them to appropriately safeguard the privacy of the information provided to them.
Where the personal information we collect is no longer required, we delete the information or permanently de-identify it.
You can contact us as set out below to request access to or correction of your personal information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why. Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to make a note of your requested correction with the information.
When you visit our website you will browse anonymously unless you have logged into a client portal or accessed the website from a personalised communication from us.
For all visitors to our web site, we use cookies to collect anonymous information such as the server your computer is logged on to, your browser type (for example, Internet Explorer, Chrome or Firefox), and your IP address. An IP address is a number that is assigned to your computer automatically and required for using the Internet. We may also derive the general geographic area associated with an IP address.
If you are an anonymous visitor, the information we collect is not capable of personally identifying you.
Once you have logged into our portal, accessed our website from an e-mail or other personalised communication sent to you or provided us with personal information by completing a form online, we may be able to identify you. If we have identified you we may be able to link your identity to your previous anonymous browsing history and collect information about your future use of our websites, irrespective of how you access our sites (eg by clicking a link in an advertisement or from a third party website). In addition we may combine that information about your use of our websites with certain other online and offline information we have about you in order to tailor your online experience and provide you with further information. If you would prefer not to be identified you can delete the cookies and reconfigure the cookie preferences on your internet browser (see below).
A 'cookie' is a packet of information placed on a user's computer by a website for record keeping purposes. Cookies may be used on RMS Group sites to:
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences).
If you disable the use of cookies on your web browser or remove or reject specific cookies from RMS Group websites or linked sites then you may not be able to gain access to all of the content and facilities on those websites.
If you have any questions regarding our privacy policy or handling of information, please contact us by phone on 1800 99 99 59. Please mark communications to the attention of our Privacy Officer. Where you contact us seeking resolution of your privacy concerns, we will respond to let you know who will be handling your matter and when you can expect a further response. If your concerns are not resolved to your satisfaction, you may have rights to escalate your complaint to an external dispute resolution scheme or regulatory authority. We can provide further details of the appropriate scheme/regulator for you on request, as these vary by jurisdiction.
Policy updated 21 January 2014