Sapient Financial Pty Ltd (ABN 76 165 960 645) is not responsible for the content of any other website linked to this site/email.  The information on this website/email was obtained from various sources. Sapient does not guarantee its completeness and accuracy. If you are using our site/email for the first time, you should read our Financial Services Guide before you rely on any information contained herein. Any investment or product advice provided to you by Sapient Financial Pty Ltd or any associated entity or representatives is "General Advice" only. No recommendation or personal advice will be provided to you. "General Advice" also means that we are not in the position to take into account your best interests in relation to any financial products or services provided to you. 

Disclaimer

While all reasonable efforts have been made to ensure that the information contained in this website/email is accurate and up to date, it is not designed to provide personal financial or investment advice. The information provided does not take into account your particular investment objectives, financial situation or investment needs. Under no circumstances should you act on the basis of any information contained on the website/email without seeking appropriate specific advice.

Full details of up-to-date fees and charges, interest rates, terms and conditions, product information and any special offers are available from Sapient on 02 8205 7857 or info@sapientfinancial.com.au.

Privacy Policy

This privacy policy applies to all personal information collected by Sapient Financial Solutions Pty Ltd (ABN 76 165 960 645) (referred to in this Privacy Policy as "the Company", "we", "our", or "Sapient").

We recognise the importance of your privacy, and that you have a right to control how your personal information is collected and used. All personal information about you will only be collected, processed and used in accordance with the Privacy Act 1988 (Cth).

Collection of personal information from you

We collect personal information from users of our website at www.sapientfinancial.com.au ("Website"), providers of content for the Website (referred to in this Privacy Policy as our "content providers") and other individuals who provide us with information in connection with the Website. We also collect personal information when you complete and submit an application form for a product advised by Sapient. We collect this information when it is necessary for the purposes of our business.
We collect personal information about you, including, for example, your contact details (such as email address, name, address and phone number), age, interests and investable assets.

In particular, we collect personal information:

• when you submit information through our Website, such as when you register a user account, retrieve log-in information, or request a new password;
• when you submit an application form for a product advised by Sapient.
• when you submit information through information collection pages on our Website;
• when you register for subscriptions to mail outs (including via email), newsletters, updates, or other related information/publications through our Website;
• when you use our Website, in which case our system may automatically collect information relating to your visit to our Websites, such as your IP address;
• when you are involved in providing content for use on the Website or otherwise;
• when you contact us (through our Website, via email or phone) with queries or issues or request that we, our content providers, or associates contact you; or
• when you participate in our promotions or competitions.

If you do not provide us with all requested personal information, you may be unable to participate fully in our Website or obtain all of the benefits from use of our Website or interaction with us or our content providers.

Our use of cookies

Cookies are pieces of information that a website transfers to your computer's hard disk for record keeping purposes. Most web browsers are set to accept cookies. We use cookies to make your use of our Website, resources and services as convenient as possible. Cookies in and of themselves do not personally identify users, although they do identify a user's browser. Cookies are useful to estimate our number of users and determine overall traffic patterns through our Website.
If you do not wish to receive any cookies, you may set your browser to refuse cookies, but this may mean you will not be able to take full advantage of the services and resources on our Website.

Using your personal information

We will only use and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and this Privacy Policy. Our main purposes in collecting, holding, using and disclosing personal information about you are to:

• provide you with information, content, products and/or services;
• improve information, content, products and/or services or our Website;
• enable our content providers and associates to provide you with information, products and/or services. Note that your personal information will only be provided to our content providers upon your request;
• keep you informed about activities, content, products and services associated with our Website;
• respond to your queries, request and issues;
• conduct promotions and competitions, and to manage Company and content partner related events, subscriptions and sponsorships;
• facilitate access to and management of our Website; and
• operate our business efficiently.

We will only use or disclose personal information for a purpose other than as set out in this Privacy Policy or otherwise notified to you, or a related purpose, if you have consented to such different use or disclosure or if such use or disclosure is otherwise allowed by the Privacy Act 1988 (Cth).

Using your personal information for marketing

We may use personal information you have provided to us, including your email address, postal address and telephone number, to contact you to provide you with information in relation to content available on our Website, new or updated content, special offers, promotions or competitions or other items or material that you may be interested in.

We may also share your personal information with our content providers for the same purposes.
We will only contact you in this way if you have consented to receive such messages.
If you are receiving promotional information from us and do not wish to receive this information any longer, please contact us directly at info@sapientfinancial.com.au asking to be removed from our mailing lists, or use the unsubscribe facilities included in our marketing communications.  

Disclosing your personal information

In order to run our business efficiently, improve and provide content, products and services to you, respond to your queries and/or send you information about future content, products, services and/or activities that you may be interested in (either from us or our content providers), your personal information may be disclosed to service providers (eg. independent contractors and consultants, off-site security storage providers, website hosts, mail-houses, electronic database managers, event managers, credit managers and debt collecting agencies) and to our content providers.
We will not otherwise use or disclose any personal information about you without your consent, unless:

• the use or disclosure is for one of the purposes described in or otherwise permitted by this Privacy Policy;
• the use or disclosure is required or permitted by law;
• we believe it necessary to provide you with content, products and/or services which you have requested or to otherwise implement the terms relating to our content, products and/or services or relevant competition;
• we believe it necessary to protect the rights, property or personal safety of another person or the Company; and/or
• the assets and operations of our business are transferred to a third party.

Links to other websites

Our Website may contain links to third party websites, including those of our content providers. These linked sites are not under our control and we are not responsible for the content of those sites, nor are those sites subject to our Privacy Policy. Before disclosing your personal information on any other website we recommend that you examine the terms and conditions and Privacy Policy of the relevant site. We are not responsible for any practices on linked websites that might breach your privacy.

Employee information

This Privacy Policy does not apply to the handling of information about employees by us. For information please contact info@sapientfinancial.com.au. 

Access and accuracy

Upon request, we will provide you with access to personal information that we hold about you, except in the limited circumstances in which it is permitted by law for us to withhold this information. To request access to your personal information, please email us at info@sapientfinancial.com.au.
If at any time you wish to change personal information that is inaccurate or out of date, please contact us by emailing us at the email address set out in the paragraph above and we will amend your record to make the necessary corrections. You can also update your details on the Website.
If you wish to have your personal information deleted, please let us know in the same manner as referred to above and we will take all reasonable steps to delete it unless we need to keep it for legal, auditing or internal risk reasons.

Storage and security of your personal information

We will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities. We require our employees and data processors to respect the confidentiality of any personal information held by the Company.

Please note also that we may use overseas facilities to process or back up information. As a result, we may transfer your personal information to overseas facilities for storage. However, this does not change any of our commitments to safeguard your privacy. 
In respect of all online dealings, however, unfortunately, no data transmission over the internet can be absolutely guaranteed to be secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us through our Websites and you use our Websites at your own risk.

Contacting us

If you have any further queries relating to this Privacy Policy, or you have a problem or complaint, including a complaint about a possible breach of the Australian Privacy Principles, please contact us at info@sapientfinancial.com.au. In most cases we will ask that you put your request in writing to us. We will respond to you as soon as we reasonably can following investigation of any relevant issues.

Future changes

From time to time, our policies will be reviewed and may be revised. We will post any updated versions of our Privacy Policy on our Websites. If we hold your personal information, where practicable, we will notify you of changes to our Privacy Policy and such changes will take effect within 7 days of such notice to you. Otherwise, changes to the Privacy Policy will take effect upon posting. Please keep checking the applicable Privacy Policy to ensure you are aware of the current terms.

Contacting Us

If you would like to know more about how we manage your personal information or you wish to make a complaint, please contact us on 02 8205 7857, email us on info@sapientfinancial.com.au.