JB Global is committed to providing you with the highest levels of client service. We recognise that your privacy is very important to you. The Privacy Amendment (Private Sector) Act, 2000 sets out a number of National Privacy Principals (NPPs). Our aim is to both support and ensure that we comply with these principals. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Federal Privacy Commissioner at http://www.privacy.gov.au.

JB Global believes that this Privacy Policy discloses how the personal information you provide to us, and our representatives, is collected, used, held, disclosed, and disseminated.

JB Global is required to meet particular legislative and regulatory requirements. In order to provide a comprehensive financial planning advice to you, we are required to collect certain personal information from you.

Your Personal Information
As a financial planning organisation we are subject to certain legislative and regulatory requirements which necessitate us to obtain personal information about you, including:

• Your name, date of birth, current addresses, telephone/mobile/fax numbers, email address.
• Information regarding your dependents and family commitments.
• Your occupation, employment history and details family commitments and social security eligibility.
• Your financial needs and objectives.
• Your assets and liabilities (current and future), income, expenses.
• Your social security entitlements; and
• Your risk details.

How we collect Personal Information
JB Global collects personal information in a number of ways, including:

• Directly from you, when you attend a face to face interview.
• Directly from you, when you provide information through a data collection form.
• Directly from you, when you provide information by phone.
• Directly from you via email or internet; and
• Directly from funds managers, superannuation funds, life insurance companies and other product issuers once authorisation has been provided by you. You have the right to refuse us authorisation to collect information from a third party.

How We Use Your Personal Information
Primarily, your personal information is used in order to provide comprehensive and/or limited financial planning services to you. We may also use the information that is related to the primary purpose and it is reasonable for you to expect the information to be disclosed.

Should you choose not to provide certain personal information or provide incorrect information, the advice and/ or recommendations may be inappropriate or inadequate.

From time to time, we may provide you with direct marketing material. This will include articles and newsletters that may be of interest to you. If, at any time, you do not wish to receive this information any further, you may contact us with this request. We will endeavour to meet your request within 2 weeks. We maintain a Register for those individuals not wanting direct marketing material.

We may disclose your Personal Information to superannuation fund trustees, insurance providers, product issuers and other service providers for the purpose of giving effect to your statement of advice and the recommendations made by us.

In the event of that we propose to sell the business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them.

When We Disclose Your Personal Information
As a Principal Member of the Financial Planning Association of Australia, we are required to meet a level of professional standards. From time to time, we may need to provide the Association with access to your personal information to ensure that we are meeting our compliance requirements.

The corporation Act has provided the Australian Securities and Investment Commission with the authority to inspect certain personal information that is kept on our files about you.

For the purpose set out above, we may disclose your personal information to organisations outside JB Global. The organisations to which we disclose information may include:

•  Superannuation fund trustees, insurance providers, fund managers and other product providers in order to implement your financial plan/ recommendations.
• Compliance consultants to ensure that our representatives are meeting our compliance standards.
• Paraplanning contractors or temporary staff to handle workloads during peak periods.
• Mailing houses.
• Your professional advisers, including your solicitor or accountant as authorised by you.
• Information technology service providers to manage our IT systems.
• Government and regulatory authorities and other organisations, as required or authorised by law.
• Another authorised representative of JB Global if necessary.
• A potential purchaser/ organisation involved in the proposed sale of our business for the purpose of due diligence; and
• A new owner of our business that will require the transfer of your personal information.

In addition, our employees and the outsourcing companies/contactors are obliged to respect the confidentiality of any personal information held by JB Global.

How We Store and Secure Your Personal Information
We keep your personal information in your client file. These are accessible to authorised personnel only and are appropriately secured out of hours.

Your personal information may also be held on our computer database. All computer- based information is protected through the use of access passwords. Data is backed up regularly and stored securely off site.

Personal information will be treated as confidential information and sensitive information will be treated highly confidential.

It is a legislative requirement that we keep all personal information and records for a period of 7 years. Should you cease to be a client of ours, we will maintain your personal information on or off site in a secure manner for 7 years. After this, the information will be destroyed.

Ensure Your Personal Information Is Correct
JB Global takes all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. To ensure we can maintain this level of accuracy and completeness, we recommend that you:

• Inform us of any errors in your personal information as soon as possible; and
• Update us with any changes to your personal information as soon as possible.

Access to Your Personal Information
You have a right to access your personal information, subject to certain exceptions allowed by law. We ask that you provide your request for access in writing (for security reasons) and we will provide you with access to that personal information. Access to the requested personal information may include:

• Providing you with copies.
• Providing you with the opportunity for inspection; or
• Providing you with a summary.

If charges are applicable in providing access to you, we will disclose these charges to you prior to providing you with the information.

Should we refuse you access to your personal information, we will provide you with a written explanation for that refusal.

Sending Data Overseas
We will not send any personal information about you overseas unless you consent to this, or we reasonably believe that the other country has privacy laws substantially similar to our own, or we provide the information in other circumstances giving like protection.

Complaints Resolution
Please contact our Privacy Officer if you wish to complain about any breach or potential breach of your privacy rights. Your complaint will be responded within 7 days. If you are not satisfied with the outcome of your complaint, you are entitled to contact the Office of the Privacy Commissioner.

Our Website
JB Global website provides links to third party websites. The use of your information by these third party sites is not within the control of JB Global and we cannot accept responsibility for the conduct of these organisations.

You may register with us to receive newsletters and other information. By doing so, your name and email address will be collected and stored on our database.

If you do not wish to receive any further information from us, or wish to update your registration details, please email your request to us. We will endeavour to meet your request within 2 weeks.

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