Privacy Policy

Jacaranda Financial Planning advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643.

PTCo adheres to the privacy policy of Perpetual Limited (ABN 86 000 431 827) and its related entities located in Australia, including Perpetual Trustee Company Limited (ABN 42 000 001 007 AFSL 236643).

PURPOSE

Perpetual is committed to protecting your privacy and safeguarding your personal information.

This privacy policy explains how Perpetual collects, manages and protects personal information, including:

1. What personal information does Perpetual collect?
2. How does Perpetual collect and store personal information?
3. How does Perpetual use your personal information?
4. How personal information disclosed to others?
5. How may you access or correct your personal information?
6. How you can complain if you have concerns about how Perpetual has managed your personal information?
7. If you have not received a response to your complaint or are unhappy with the outcome?

Perpetual has practices in place to comply with the Australian Privacy Principles set out in the Privacy Act 1988. These principles govern how organisations handle personal information.

SCOPE

This Policy applies to Perpetual Limited (ABN 86 000 431 827) and its related bodies corporate located in Australia (Perpetual). This Policy does not apply to Perpetual (Asia) Limited, which has its own policy.

POLICY PRINCIPLES

1. WHAT PERSONAL INFORMATION DOES PERPETUAL COLLECT?

Personal information is information or an opinion about you from which you can be reasonably identified. The personal information Perpetual may collect about you will depend on the circumstances of collection, including whether we collect the information from you as a customer, supplier, contractor, stakeholder, job applicant or in some other capacity.

Perpetual collects personal information so that we can provide you with our products and services and comply with our legal obligations such as those under superannuation laws, taxation laws and the Anti-Money Laundering and Counter-Terrorism Financing Act. If Perpetual does not collect your personal information, we may not be able to provide you with a product or service.

The product or service that we are providing will also determine what information we will collect about you. The kinds of personal information that Perpetual may collect and hold about you include: your name, contact details, date of birth, citizenship, tax file number (TFN), employment details, financial information and banking details. In some cases, we may collect information about your family (e.g. details related to your spouse, dependents or beneficiaries where we are providing you with tax or estate planning services).

In addition, we may collect personal information about individuals who are not customers of Perpetual (e.g. business contact details of a company representative with whom we deal).

In the context of Perpetual’s recruitment process for employees and contractors, we may collect and hold the following kinds of personal information about you: your name, contact details, date of birth, citizenship, employment references, civil, credit and criminal records, regulatory accreditation (such as RG 146 / FASEA accreditation), media (including social media), directorships, property ownership and driver’s licence information, education, employment history and credential variation.

In the employment context, we may also collect and hold the personal information listed above, as well as your TFN, financial information, banking details, and other personal information that may be collected in your use of Perpetual systems or assets. This information may be collected to assist us in monitoring compliance with our internal policies and perform other necessary functions and activities.

Generally, we will not collect sensitive information about you (such as your race, political beliefs or religion). We may collect information about your health if necessary to provide you with a product or service (e.g. life or disability insurance products or to manage a claim related to such a product). If we need sensitive information, we will ask for your consent when we collect this information (unless an exemption applies).

2. HOW DOES PERPETUAL COLLECT AND STORE PERSONAL INFORMATION?

Collecting information

Depending on how you choose to interact with us, we may collect your personal information when you contact us or our service providers by telephone, by email, through our websites, social media channels, mobile apps, complete an application or registration form, or when you meet one of our representatives face to face.

Perpetual may also collect information about you from third parties. For example, Perpetual may collect personal information from:

• your authorised representatives and adviser(s)
• our service providers
• your employer
• our corporate clients, where we are providing services to them
• referees, in the case of prospective employees.

Collecting information from visits to Perpetual's website

Perpetual may collect information based on how you use Perpetual’s website or digital media. Perpetual uses “cookies”, analytics tools and other data collection methods to collect anonymous information on website users and their activity. Cookies are small text files that are placed on your computer by the websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

Information we collect includes (but is not limited to) how the website is found, which pages are viewed, and how frequently a visitor comes to the website. This information is combined into an overall picture about how our website is used and does not individually identify you.

If you are uncomfortable with the use of cookies, you can manage and control them through your browser settings, and this includes by deleting them from your ‘browser history’ (cache) when you leave the website.

The information collected is only used within the Perpetual Group and by preferred vendors for our analysis, to measure the success of our digital advertising and social media, and to improve our ability to provide relevant information and content to users.

No attempt is made by Perpetual to personally identify you, except when you submit a digital form. If you complete and submit a form on our website, a social media channel or mobile app, you agree to enter your information to those platforms. The information we collect is stored, accessed and used by us to administer those platforms as required.

If you access your account information online through one of the secure areas of Perpetual’s website, we will collect information about your visit using cookies to track your use of our website and to allow you to effectively access your account information. This information is collected for security purposes and to protect the integrity of your account details. The information you enter in secure areas of Perpetual’s website, is used to process your instructions, or personalise and support services to you. You can also authorise third parties (like your adviser) to have access to your information in the secure site (terms and conditions apply).

Securing your personal information

We hold personal information in secure computer storage facilities (both in-house and at our service providers); on paper-based files; as well as in other formats. Perpetual takes reasonable steps to protect your information from loss and unauthorised access, destruction, use, modification or disclosure. Access to personal information held by Perpetual is controlled to prevent misuse or unauthorised disclosure of the information. We utilise a range of technical security measures such as secure authentication, password controls, encryption, firewalls and anti-virus technology to prevent unauthorised access to your information.

Perpetual’s vendors that administer personal information are required to comply to similar protection measures.

3. HOW DOES PERPETUAL USE YOUR PERSONAL INFORMATION?

Perpetual may collect, hold, use or disclose your personal information to provide you, and our corporate clients, with a range of products and services, such as:

• establishing and managing your investment in our superannuation or investment funds
• establishing a life, disability or salary continuance insurance product or managing a claim related to such a product
• providing you with tailored financial advice, accounting or tax services
• planning and managing your wills, trusts and estates
• providing our corporate clients with trust, fund or fiduciary services
• application and participation in a philanthropic funding process
• participation in an event, including a course or workshop.

We may also collect, hold, use or disclose your personal information to:

• consider any concern or complaint that you raise against Perpetual and/or to manage any legal action between you and Perpetual
• prevent or investigate any actual or suspected fraud, unlawful activity or misconduct
• identify you or establish your tax status under any Australian or foreign legislation
• comply with any relevant laws, regulations, codes of practice and court orders
• consider applicants for employment, graduate programs, or business programs
• consider participants in processes for philanthropic funding or initiatives.

Personal information collected about you may be used by different companies within the Perpetual group, but only if this is necessary in order for us to provide you with our products or services.

Perpetual may use your personal information that we have collected about you to identify a product or service that may be of interest to you. If at any time you no longer wish to be notified about other Perpetual services or promotions, please contact us. Privacy specific contact details are included at the end of this policy.

We may also use your information for other purposes required or authorised by or under law (including purposes for which you have provided your consent).

4. HOW IS PERSONAL INFORMATION DISCLOSED TO OTHERS?

Perpetual does not sell, rent or trade personal information to, or with, third parties.

In some circumstances your information may be disclosed to Perpetual’s related entities or service providers that perform a range of services on our behalf. Examples include:

• mailing houses and printing companies
• fund and investment administrators/managers
• auditors and solicitors
• custodians and brokers
• registry and platform providers
• insurance providers
• information technology service providers
• other consultants
• philanthropic and not for profit organisations.

In some circumstances, personal information may be disclosed to Perpetual related entities and third parties in jurisdictions including, but not limited to, Australia, New Zealand, Singapore, United Kingdom, the EU (Ireland, Bulgaria, the Netherlands), the United States of America, India, Japan and Canada.

Where we disclose your information to our service providers, we will take steps to ensure that they are authorised to only use personal information in order to perform the functions required by Perpetual.

Depending on the nature of the product or service that we are providing, we may disclose your personal information to your nominated representatives (e.g. your financial adviser) and their respective service providers.

In relation to superannuation products, we may disclose your personal information to the trustee of another superannuation fund where your superannuation is transferred to or from the other fund.

We may also disclose your personal information to law enforcement agencies, courts or government agencies where required to comply with specific legal requirements. In particular, if you are a shareholder of Perpetual Limited, the Corporations Act 2001 requires certain information to be included in Perpetual Limited’s register which is able to be accessed by the public.

With your consent, we may also disclose your personal information to other third parties and for other purposes. That consent may be written, verbal or implied from your conduct.

Perpetual’s services are based in Australia, and Perpetual does not intentionally target residents of the EU with its products and services.

5. HOW YOU MAY ACCESS OR CORRECT YOUR PERSONAL INFORMATION?

You may contact us to request access to the personal information we hold about you at any time. You may also ask us to correct information about you that you may believe is inaccurate, incomplete or out of date.

We will need to verify your identity before giving you access or correcting your information.

In certain circumstances, Perpetual may not be able to correct or provide you with access to your information. In these circumstances, we will write to you to explain and provide the reasons why.

6. HOW YOU MAY COMPLAIN IF YOU HAVE CONCERNS ABOUT HOW PERPETUAL HAS MANAGED YOUR PERSONAL INFORMATION?

If you have a complaint related to how Perpetual has managed your personal information, please contact us using the contact information below. Resolving your concerns may require Perpetual to share your personal information with third parties in this process, including to our service providers or regulatory bodies. We will acknowledge any privacy related complaint within five business days of it being received and make every effort to resolve your issue as quickly as we can. Where we can, we will resolve your complaint on the spot or as soon as possible after that.

If we can’t resolve your complaint within five days, we will contact you to confirm:

1. The contact details of the case manager who is investigating your complaint;
2. The applicable maximum response timeframe for your complaint; and
3. Your options if you are not happy with our handling of your complaint or are unhappy with the outcomes or resolution we have proposed.

The maximum response time for your complaint will depend on the type of product or service your privacy related complaint is about and is defined in Perpetual’s Complaints Handling Policy.

7. IF YOU HAVE NOT RECEIVED A RESPONSE TO YOUR COMPLAINT WITHIN THE MAXIMUM RESPONSE TIMES ABOVE OR YOU ARE UNHAPPY WITH THE OUTCOME OF THE COMPLAINT

If a complaint remains unresolved or you remain unhappy with the outcome of our response to you, then you may contact the Australian Financial Complaints Authority (AFCA) or apply to the Office of the Australian Information Commissioner (OAIC) to have the complaint heard and determined.

When we write to you about our decision, we will explain how you may access an external dispute resolution scheme or make a complaint to the OAIC.

The OAIC may be contacted on the privacy hotline: 1300 363 992.

AFCA may be contacted as follows:

Phone:1800 931 678

Email: info@afca.org.au

Website: www.afca.org.au

Postal address: Australian Financial Complaints Authority

Complaints Authority: GPO Box 3, Melbourne VIC 3000

NEED MORE INFORMATION?

If you wish to complain about how we handled personal information about you, you can lodge a complaint by doing one of the following:

• Contacting your Perpetual financial adviser, trust manager or client manager directly.
• Completing our Online complaint submission form. Go to the form
• If your complaint relates to our investment funds or superannuation funds, by telephone, to 1800 022 033
• Via email MyComplaint@perpetual.com.au
• By Post addressed to: Client Advocacy Team GPO Box 4171 Sydney NSW 2001

If you have any questions about this privacy policy or if you wish to access or correct your personal information, please contact Perpetual’s Privacy Officer:

Privacy Officer, Perpetual Limited
GPO Box 4172
SYDNEY NSW 2001
Telephone: 02 9229 9000
Email: privacy@perpetual.com.au

Version: 01 October 2021
Classification: Public