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6 steps to create a mentally healthy and vibrant workplace

It’s estimated we spend a third of our life at work. It may even be more if you run your own small business. From working overtime during the week to catching up on paperwork on the weekend, having enough time to get everything done is a challenge for most small businesses.

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So, it’s easy to understand why you might not feel like you have the time to think about your own wellbeing let alone the wellbeing of your employees or your co-workers. However, understanding how the people in your business are coping with both life and work pressures is just as important as paying your suppliers every week or doing a stocktake.

45% of Australians experience a mental health problem at least once in their lifetime.

In 2022, 52% of serious mental stress claims in Australia were because of work-related issues. These issues included harassment, bullying, work pressure and occupational violence.

Poor workplace wellbeing affects workers’ mental health and productivity, costing our economy up to $22.5 billion a year. Asking a colleague ‘R U OK?’ may begin a conversation that not only helps them but also helps build a healthy workplace.

This year, R U OK? Day is on Thursday 12 September 2024. The day serves as a reminder that asking, ‘are you ok’ any day of the year is important to the mental health and wellbeing of those around you.

One way to improve workplace wellbeing, safety, and performance is to use Dr Martin Seligman’s (2012) PERMAH framework. This evidence-based model highlights 6 factors that help us feel good and perform well at work. Workplace culture can be improved by prioritising these 6 elements.

A graphic showing the PERMAH Framework.

1. Positive emotions: ‘AMP’ up your understanding of stress


A healthy workplace is not absent of stress, but it is one where people know how to manage it. Stress is natural, especially if you run your own small business. Often, it’s our body’s way of trying to alert us that something we care about is at stake.

By noticing the signs of stress in yourself and your employees, Associate Professor of Psychology at Standford University Dr Alia Crum, found we can harness our body’s stress responses to help us meet life with the energy and courage we need to deal with whatever is at stake.

You can help your workplace ‘AMP’ up an understanding of stress by encouraging your people to:

Be Aware when they feel stressed, that their body is trying to get their attention by making them feel uncomfortable (sweaty hands, racing heart, tight jaw or hunched shoulders).
Find Meaning for these feelings by asking them what's happening that's important and may not be going the way they want.
Prioritise Conversations and/or actions that can positively impact the outcome of what's unfolding. Remember, tiny steps can have a mighty impact because they motivate people to move forward with confidence.
Whether you’re a sole trader or run a small team, understanding the signs of stress can help keep you and your employees in a positive frame of mind. Sometimes stress can’t be avoided, but we can manage how that stress affects us and do things to help reduce it.

2. Engagement: give strength-focused feedback


High-performing teams share nearly 6 times more positive feedback than average teams, while low-performing teams share nearly 2 times as much negative feedback as average teams. Make giving strength-focused feedback to your employees a priority, and easier and more effective by using the ‘THANK’ method:

Track: What is the positive impact you’ve seen this person’s work having recently on others? How specifically might they be making work or life easier or better?
Highlight: What can you see them learning, doing, and/or delivering that is making this positive difference that you value?
Appreciate: What strengths – the things they are good at and enjoy doing – can you see being used to make this effort and/or outcomes possible?
Nurture: How can these strengths be built on? How might they avoid overplaying or underplaying their strengths that could help improve their performance?
Kindle: What support might they need/want and what does this look like?


3. Relationships: build psychological safety


Vibrant workplaces welcome honesty, prioritise learning, encourage asking for help, and support taking risks together. Everyone struggles at work from time to time. Workplaces that normalise the feeling of struggling can promote healthy learning and growth.

Removing any barriers or embarrassment to having open conversations can help unlock the potential for people to become better at their jobs. Psychological safety can be built by using the following Safety Check Chat questions to check in with your team:

What’s working well?
Where are we struggling?
What are we learning?
What do we want to try next?
Four people in an office sitting at their desks, laughing on a coffee break.

 

Four people in an office sitting at their desks, laughing on a coffee break.

4. Meaning: create a giving culture


We long to be more than the sum of the tasks we perform at work. The good news is researchers have found that meaning can be found in any job by helping people identify the difference their work makes to others. Encourage a healthy workplace by getting people to invest in 5-minute favours that make a positive difference in someone else’s life by:

offering to help with a hands-on task
sharing their expertise (i.e. offering their skills)
coaching or mentoring others (i.e. teaching someone how)
passing on favourite resources (i.e. books, podcasts, articles, recommendations)
supporting a colleague by listening to their struggles and/or successes.


5. Accomplishment: setting and celebrating learning goals


A vibrant workplace is one that learns and understands failure and mistakes are part of how things are accomplished. They do this by embracing a ‘growth mindset’ that recognises that while we all bring to the workplace certain talents, abilities, and intelligence we can improve upon these with learning, practice, and support. To help your team develop their growth mindsets you can ‘SET’ learning goals:

Spark your curiosity: Challenge your mind by picking a small learning goal that can make a big difference.
Experiment: Act on your learning goal within the next 24–48 hours. Remember as long as you show up, give your goal your best shot, and stay curious about the results, you can’t fail.
Tune into feedback: Measure your progress, seek feedback, and reflect on what you’re learning to move closer to your goals.


6. Physical health: the need for rest and recovery


Vibrant workplaces recognise we are built to swing between periods of activity and recovery. They understand the power of short breaks throughout the day. In turn, this helps people stay energised, healthy and more productive.

Recovery doesn’t mean you need to take a nap in the backroom or under your desk. Researchers have found that short breaks allow the thinking parts of our brains to rest. This can be just as effective as naps. Here are some easy ways to add these to your workplace:

Encourage ‘walk and talk’ meetings/discussions where possible.
Encourage shared lunch breaks, eating together away from desks or finding an external lunch location.
Provide exercise cards/posters for quick stretches between tasks.
Organise fun workplace challenges that encourage activity and involvement, e.g. a sit-stand challenge to see who can hold the position the longest.
Allow short social breaks like tea/coffee conversations, which help rest the brain and build connections between employees.
How to create change in the workplace
Business owners and leaders may face challenges when trying to bring about behaviour changes. Professor James Prochaska, (a leading researcher in behaviour change), highlights that there are 3 common derailers when it comes to caring for our wellbeing. These include:

‘I don’t want to’
‘I don’t know how to’
‘I don’t think I can’.
Creating safe places for people to learn and grow can be a strategic way to help overcome these barriers. Business owners can do this by tapping into curiosity rather than judgment, as well as encouraging their employees to switch their mindset about how to deal with people:

Instead of making assumptions, slow down and ask questions to understand.
Rather than being embarrassed to ask questions, assume learning is helpful and seek/offer support.
Instead of complaining about someone’s performance, assume everyone is capable and spark kind conversations to enable growth.
Rather than pointing the finger and blaming others, encourage shared responsibility and create transparent and safe spaces for accountability.
Building a vibrant workplace culture is an ongoing process requiring long-term strategies. A learning loop can be helpful to enable continuous improvement:

Act: What have you tried? Why did it matter to you?
Assess: What went well? where did you struggle? What did you learn?
Adjust: What will you try next? Do you need support?
Building a healthy and vibrant workplace isn’t something that can be done overnight or something that you must do by yourself. It’s done by encouraging a workplace culture of positive behaviours every day. It’s the small things that count in the end. Researchers suggest that small and consistent ‘wellbeing wins’ amplify our confidence and motivation so we can scale up our efforts over time.

Small changes can have big results
In a vibrant workplace, people feel safe, energised, and ready to collaborate. They’re resilient and productive, navigating both highs and lows as part of learning and growing together. Ask yourself, are you creating and leading a vibrant workplace culture?

Start implementing the frameworks and wellbeing strategies above. Your proactive commitment to making even one small change today can make a meaningful difference both now and in the future.

Let’s make R U OK? Day the opportunity to not just ask this vital question, but to create sustainable and vibrant work environments where wellbeing is prioritised and businesses perform at their best. For more information on R U OK? Day, visit the R U OK website.

For more information on building resilient people, healthy relationships and vibrant workplaces, visit the Wellbeing Lab website.

Tools to improve your workplace’s mental health
Work Safe Victoria’s mental health: safety basics
The Victorian Mentally Healthy Workplaces Framework | vic.gov.au (www.vic.gov.au)
Mental health support services
Mental health support and assistance services
Free support and advice with Partners in Wellbeing

 

 

 

THE WELLBEING LAB
12 SEP 2024
business.vic.gov.au

 

 

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Accountancy

Straight forward and stress-free accounting services are what businesses of all sizes need from their accountants and we believe we provide exactly that. By providing cutting edge accounting and taxation services, and using the right products for your record keeping, our team at Solutions 4 Accounting & Tax will work closely with you to ensure we understand your needs. Only in this way can we help you achieve your goals, help you manage your cash flow and help you meet your tax obligations.

While fiscal compliance is of the upmost importance, we also believe in offering professional management advice and support at all times. We are committed to offering the highest level of friendly and professional service and welcome the opportunity to work with you.

The areas we specialise in are as follows:

  • Accounting & Tax Consultancy Services
  • Personal & Business Tax Returns
  • Annual Reporting
  • Business and Tax Advisory
  • Business ‘start up’ advice
  • Prepare Business plans and financial budgets and review these regularly
  • Measure your performance against industry benchmarks
  • Trust & company structures
  • ATO correspondence Management
  • Taxation – GST & PAYE advice, BAS preparation
  • Liaise with the ATO on your behalf
  • Self-Managed Super auditing
  • Accounting software advice and assistance
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Bookkeeping

Solutions 4 Accounting & Tax can take over all, or some of your bookkeeping activities allowing you to concentrate on growing your business. We can:

  • Design, establish and review accounting systems and software
  • Perform checks, reconciliations and end of financial year reports
  • Manage your accounts receivable and accounts payable
  • Ensure your business is up to speed with legislative requirements and management reports
  • Undertake payroll duties and compliance
  • Prepare and lodge BAS statements
  • GST & PAYE advice
  • BAS Lodgement
  • GST Reconciliation
  • PAYG Withholding & Superannuation reports
  • Completing expense reports
  • Direct to bank account transactions
  • Organising your documents and records
  • Data / ledger entry
  • Paying bills
  • Completing expense reports
  • Direct to bank account transactions
  • Provide general business administrative support
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Tax preparation, advice & planning

Tax time is coming up. Are you prepared?

When the time comes to deal with your own taxation and accounts, it can be stressful and hassling. Though through good preparation and planning, you can make tax time work for you and potentially reduce the impact of tax, while keeping up to date.

Solutions 4 Accounting & Tax are specialists at accounting and taxation. Based in Nowra, we aim to provide our clients in the Shoalhaven community with comprehensive tax planning advice and strategies, all at competitive prices.

We provide assistance for:

  • Individuals
  • Families
  • Artists
  • Trusts
  • Businesses and
  • Organisations (non-profit and commercial)

Identify Options and Areas to Reduce Tax

Tax can be complicated in many ways—that's no secret. What can you actually claim? Are you entitled to any government incentives or benefits? Is there anything you should concern yourself with when recording expenses?

A professional accountant can help you identify potential tax deductions and government benefits in detail, which could help you minimise tax payable. They'll also inform you of any obligations and laws that you have to meet and abide by, thus helping you stay up to date.

By planning for tax, you could:

  • Reduce the amount of tax owed, depending on your situation
  • Develop strategies to minimise tax, potentially saving you money
  • Prepare for the financial year

Solutions 4 Accounting & Tax have worked with a large variety of businesses and individuals from different industries over the years, tailoring options, advice and strategies to suit clients unique needs. Our experience is complemented by a team of professional accountants and tax advisors, who aim to help you.

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Business Advisory

You want to start a business – but where do you start? Solutions 4 Accounting & Tax can help you get started and help your new business to flourish.

Before commencing a new business, the following are some of the key items that need to be considered:

  • Decide on the most suitable structure for your business – sole trader, partnership, trust or company
  • Prepare a business plan, cashflow projections, budgets, and trading forecasts
  • Assess your finance requirements, advise on the best sources of finance, and draw up the necessary proposals
  • Establish a good working relationship with your bank
  • Register for a Tax File Number and an Australian Business Number with the ATO
  • Complete registration procedures with Australian Securities and Investments Commission
  • Deal with company secretarial issues
  • Set up a recording system for your internal use and for complying with statutory requirements

Each new business is different and needs to be considered in relation to your individual circumstances and our experience can ensure you are maximising your opportunities.

We can also assist with:

  • Business takeovers
  • Valuation of business
  • Due diligence reports
  • Due diligence services
  • Business risk profiles
  • Specialist Tax advice
  • Tax planning
  • Board of Directors representation
  • Specialist Tax advice
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Payroll & GST Reporting

Payroll

We can assist you with all facets of payroll and reportable contractor payments. Our professional team are fully versed in all legislative requirements and the processes required in managing this crucial part of your business.

The primary objective of payroll processing is to ensure that employees receive all the financial entitlements they are owed in a timely manner. Poor payroll processing can be very detrimental to a business as it can significantly impact net income and lead to disgruntled staff. With an abundance of legislation, payment methods and withholdings, payroll management can be a difficult and time-consuming process.

Payroll processing services include:

  • General Payroll – ensure your staff are paid the correct rates and paid according to the correct hours worked.
  • Payslips – Our team can prepare your staffs payslips on your behalf and email them directly to you or your staff along with
  • PAYG Withholdings – Any business that has employees or pays employees of another business must withhold an amount from payments made to them. Any payments made to a business that doesn’t quote an ABN on an invoice or other documentation must also have an amount withheld from payments.
  • Taxable payments reporting – Businesses in the building and construction industry need to report the total payments they make to each contractor for building and construction services each year. These payments need to be reported to the Australian Taxation Office (ATO) on the Taxable Payments Annual Report, or electronically.
  • Entitlements – calculation of leave including holiday, personal, long service and rostered days off.
  • Payroll Tax, Workers Compensation Insurance, Employment Forms – some or all of these may be needed for your business.
  • Efficient and Electronic systems – these should simplify all processing and provide greater security for you and your staff.
  • Superannuation should be calculated and paid – this is a compulsory whereby employers are required to pay a percentage on top of “ordinary time’s earnings” to a nominated superannuation fund. These contributions need to be made at least once every three months and penalties for late payment are very severe.
  • End of Payroll Year Processing – Reconciling, Generation and Lodgement of employment group certificate’s and payment summaries, taxable payment summaries, reportable fringe benefits and lump sum amounts

GST Reporting

Once a business reaches a turnover of $75,000 per annum, the business is required to register for GST and lodge Business Activity Statements with the Australian Taxation Office. Depending on the nature of the business and the turnover thresholds, the business will register to report using either the cash or accruals method.

GST is an important tax consideration in events such as sale of property, development projects, new business structures, mergers and acquisitions and international transitions.

We can help you to prepare comprehensive financial statements for a wide range of readers and an equally wide range of purposes. Whether your statements relate to your business or your personal financial standing, we can accommodate your needs. The GST-related services we offer include, but are not limited to:

  • Advice on registering for GST
  • Monthly/quarterly Business Activity Statements (BAS)
  • Income Activity Statements
  • Pay as you go (PAYG) instalments
  • Annual Business Activity Statements
  • ATO audit assistance
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Corporate Compliance

Solutions 4 Accounting & Tax has the experience and understanding of the legal and regulatory framework that applies to business entities and we can help you understand the myriad compliance programs and regulated obligations that affect your business/company. We will make sure your business/company meets all its obligations to ASIC (Australian Securities & Investments Commission), the ATO (Australian Taxation Office) and the SRO (State Revenue Office of Victoria). Compliance is of paramount importance but we also believe that management advice and support is a crucial aspect of corporate accounting.

We can assist with:

  • The formation of trusts and new company registrations
  • Preparation of annual company statements
  • Attending to ASIC returns and regular filings on your behalf
  • Any company changes or change of directors
  • Business name registrations and maintenance
  • Renewal of business name/s and other registrations
  • Preparing meeting minutes and drafting resolutions
  • Share allotments/transfers/buy-backs
  • Unit Trusts and allotment/transfer of units and change of Trustee
  • Family Trust set up and change of Trustees
  • Provision of registered office services for service of notices
  • Preparing minutes and drafting resolutions.
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Accounting software support

More small to medium-sized businesses are moving to cloud accounting and using cloud based applications for their bookkeeping and accounting needs through desktop and mobile apps. All businesses need to keep track of their accounts, and cloud accounting allows businesses to make invoicing and cashflow management decisions based on more up to date information. It also provides for other business efficiencies including payroll for off premises workers.

The cloud revolution is propelled by fast, reliable internet, cheaper servers and widely-used open-standards for interchanging data and instructions between software. Moving to the cloud does not increase data risk if good password policies and back-up strategies are in place. Businesses should ensure staff understand modern security risks and complete training when moving to cloud accounting or using any service that provides remote access.

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Solutions 4 Accounting & Tax are a Xero Gold Champion Partner and Xero is our preferred accounting software platform.

Contact us to discuss your circumstances so we can help determine the most appropriate solution for you based on functionality, ease of use and cost.

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Management reporting

Management Reporting includes the preparation of management reports and accounts that provide accurate and timely financial and statistical information. Information required by managers to make day-to-day and short-term decisions more efficiently and effectively to achieve desired outcomes such as increasing profit or delivering improved services.

Unlike financial accounting, which produces tax returns and annual reports, management reporting generates monthly or weekly reports for an organization's management and decision makers. These reports typically show items such as available cash, sales revenue, orders in hand, accounts payable and accounts receivable, and outstanding debts. An important aspect of Management accounting is determining what information management needs and communicating this effectively.

Solutions 4 Accounting & Tax can assist with all aspects of management reporting including:

  • Strategic advice to managers about the financial implications of projects
  • KPI reporting
  • Explaining the financial consequences of business decisions
  • Formulating business budgets and business plans and strategies
  • Monitoring spending, financial control and Cashflow projection
  • Conducting internal business audits
  • Monthly/quarterly management reports
  • Product costing reviews.
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Business Structuring & Transitioning

Business Structuring

Choosing your business structure is an important decision and Solutions 4 Accounting & Tax can consult with you and suggest the best structure for your business. There are four main business structures commonly used by small businesses in Australia. They are:

  • Sole trader: an individual operating as the sole person legally responsible for all aspects of the business. Like other structures, as a sole trader you can employ people to help you run your business. The structure is inexpensive to set up because there are few legal and tax formalities.
  • Partnership: an association of people or entities running a business together, but not as a company. A partnership is relatively inexpensive to set up and operate.
  • Company: a legal entity separate from its shareholders. It is a complex business structure, with set-up and administrative costs that are usually higher than for other business structures.
  • Trust: an entity that holds property or income for the benefit of others. Trusts require a formal trust deed that outlines how the trust operates, require the trustee to undertake formal yearly administrative tasks and if you operate your business as a trust, the trustee is legally responsible for its operations. A trustee of a trust can be a company, providing some asset protection.

Companies and Trusts are more complicated business structures but they have their advantages and Solutions 4 Accounting & Tax can discuss these with you. It is important to note that you can change your business structure throughout the life of your business.

Business Transitioning

You’ve worked hard to create and build your business to the valuable asset it is today. But how do you maximise the benefits of owning a business along the way and especially when you sell it. Creating a good business succession plan is essential to being in business. Often the lack of planning this vital aspect can see years of work devalued or eliminated altogether. Plan early to avoid the disappointment and make sure you are protecting yourself and your family along the way.

At Solutions 4 Accounting & Tax we understand this important aspect of business management because we run a business just like you and have over a decade of assisting business owners make the most of what they have. We have a team of other highly qualified professionals to assist in all aspects where necessary because we understand being successful in this important area is a team activity. Contact us today to see how we can assist you.

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Self-managed Superannuation Funds

Setting up a Self-Managed Superannuation Fund is a major financial decision. We understand that you’re busy and that the SMSF rules are complicated. We will provide you with an end to end solution giving you access to all the support and expertise you need to ensure your SMSF is well managed and compliant.

A SMSF can have many advantages but, equally, you need to consider the reasons why a SMSF may not suit your needs. We can help you decide if this is the right option for you.

Advantages of a SMSF:

Having control of your retirement savings can lead to a deeper understanding of how your overall wealth is tracking, and gives you more confidence in your investment and lifestyle decisions.

You can have access to a broader range of investments. You can invest in the usual options such as shares, term deposits, managed funds and property but you can also hold alternative assets such as artwork, jewellery, antiques, and wine. There are though, very strict rules on holding the latter assets in your self-managed super fund.

You retain control while still being able to take advice from your advisors.

Beneficial tax planning strategies.

Greater flexibility for accessing Centrelink benefits such as the age pension.

But a SMSF is not for everyone:

If you have set up a self-managed super fund (SMSF), you are in charge and you make the investment decisions for the fund. You must also be aware that you are responsible for complying with superannuation and tax laws, maintaining records, providing financial statements, completing tax returns and organising an annual independent audit.

You also need time and expertise to run your SMSF.

Compliance is very important.

There can be up to 4 Trustees and their thoughts and ideas have to be included.

The ATO offers advice on the responsibilities of having a SMSF.

Solutions 4 Accounting & Tax offers advice on all SMSF services, including:

  • The setting up of a SMSF and all administration tasks such as preparation of your trust deed and the completion and lodgement of relevant ATO statements.
  • Superannuation consolidation.
  • Ensuring your SMSF is compliant with current superannuation laws and regulations
  • Advice on life and disability Insurance options.
  • If there is more than one member in your SMSF, we can offer advice on what will happen in the event of ill health, death, relationship breakdown, or waning interest.
  • Advice regarding Investment in Property
  • Appointment of Trustees
  • Audit of your SMSF
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This material is produced by Solutions 4 Accounting & Taxation. It is intended to provide general information in summary form on legal, taxation, and other general business and personal topics, current at the time of first publication. The contents do not constitute legal, taxation, business, individual, or other financial advice and should not be relied upon as such. Formal and specific accounting, financial planning, or legal advice should be sought matters relevant.

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THE NATIONAL PRIVACY PRINCIPLES

From 21 December 2001, most private sector organisations in Australia must, by law, comply with the National Privacy Principles subject to the Privacy Act 1988 (Cth) ("NPPs"). We are bound by the NPPs.

COLLECTING PERSONAL INFORMATION ABOUT YOU

The kinds of personal information we hold:
We only collect personal information that is necessary for us to perform our functions.

The kinds of personal information we collect and hold will depend upon the services you request from us. However, it may include:

We also collect some information from you when you use our website. Your use of the facilities and services available through our website will determine the amount and type of information which we collect about you. Some of this information will not be personal information because it will not reveal your identity.

The only personal information which we collect about you when you use our website is that which you tell us about yourself, for example, by completing an online form when you accept an invitation to attend a seminar, or information you provide to us when you send us an email. We will record your email address if you send us an email.

OUR USE OF COOKIES

When you visit our website, our server attaches a small data file called a "cookie" to your computer's memory. Cookies are pieces of information that may be transferred to your computer's memory when you visit a website for record keeping purposes. Most Web browsers are set to accept cookies. However, if you do not wish to receive any cookies you may set your Web browser to refuse cookies. We use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us to know what they find interesting and useful on our website. We do not link this information back to your identity or other information that you have provided to us. We do not store any information that identifies you inside cookies.

COLLECTION OF ANONYMOUS INFORMATION

As most websites do, we track usage patterns on our website on an anonymous aggregate basis. Your identity cannot reasonably be ascertained from this information. Each time you visit our website a web server makes a record of your visit. Specifically, it records your:

USING AND DISCLOSING YOUR PERSONAL INFORMATION

The purposes for which we collect and hold personal information and how we use it.

We respect your privacy. Any personal information which we collect about you will be used and disclosed by us so that we can provide you with the services that you have requested, or otherwise to enable us to carry out our functions as professional business and individual advisers.

We may also use your personal information to provide you with information about other services offered by us (such as seminars). If you would prefer not to receive this information, please let us know and we will respect your request.

CONTRACTING OUT SERVICES AND DISCLOSURES

We may disclose your personal information to our service entities and contract out some of our functions (such as mailing) to external service providers. We may disclose your personal information to these external service providers but only so that they can provide the services that we have contracted out to them.

EMAILS YOU RECEIVE FROM US REGARDING PUBLICATIONS, EVENTS AND EDUCATION

How we collect personal information from you

If you provide us or have provided us with your email address, we may send emails to you containing Solutions 4 publications, such as newsletters or seminar invitations. We may use an "email management system" to automate the management and dispatch of these emails. The system operates by inserting tracking codes in the emails that we send to you.

THE KIND OF PERSONAL INFORMATION WE COLLECT ABOUT YOU

The tracking code allows us to collect personal information about you, such as whether you received and opened an email, and whether you clicked through to any links to our website. This information that we collect about you will be stored by our email management system.

The purpose for which we collect the information about you

The personal information that the email management system collects about you is used by us to:

ACCESS TO YOUR PERSONAL INFORMATION

In most cases, you can gain access to personal information that we hold about you. We will handle requests for access to your personal information in accordance with the NPPs.

We encourage all requests for access to your personal information to be directed to the office manager by email admin@s4.tax or by writing to the address below.

We will deal with all requests for access to personal information as quickly as possible. Requests for a large amount of information, or information which is not currently in use, may require further time before a response can be given. In some cases, consistently with the NPPs, we may refuse to give you access to personal information we hold about you. This includes circumstances where giving you access:

If we refuse to give you access, we will provide you with reasons for our refusal. Generally, if you request us to do so we will amend any personal information about you held by us which is inaccurate, incomplete or out of date. If we disagree with your view about the accuracy, completeness or currency of a record of your personal information held by us, and you ask us to associate with that record a statement that you have a contrary view, we will take reasonable steps to do so.

If you would like more information about the way we manage personal information that we hold about you, or are concerned that we may have breached your privacy and wish to make a complaint, please contact us:

Email: admin@s4.tax
Mail: PO Box 904, Nowra, NSW, 2541
Phone: (02) 4421 8788

CHANGES TO OUR PRIVACY POLICY

From time to time it may be necessary for us to review and revise our privacy policy. We reserve the right to change our privacy policy at any time. We may notify you about changes to this privacy policy by posting an updated version on our website.