Privacy Notification Statement

Your financial adviser, Childe Freeman Financial Resources Pty Ltd and GWM Adviser Services Limited are committed to protecting the privacy of your personal information. Below is some information about how your personal information will be handled.

Advisers Section: Your Financial Adviser and Childe Freeman Financial Resources Pty Ltd

Collecting your personal information

As stated in the Financial Services Guide, your financial adviser and Childe Freeman Financial Resources Pty Ltd who are authorised representatives of GWM Adviser Services Limited, an Australian Financial Services Licensee, collects your personal information. This is done for the purpose of your financial adviser providing you with the financial services that you have requested, managing your financial adviser’s relationship with you and contacting you about products and services in which you may be interested.

Your financial adviser is required under the Corporations Act 2001, Insurance (Agents and Brokers) Act 1984, certain policies issued by the Australian Securities and Investments Commission and its predecessors, Financial Transactions Reports Act 1988 and taxation laws to collect information about you when providing the financial advice that you have requested. If the personal information requested for the provision of the financial advice requested is not provided your financial adviser may not be able to provide the financial advice you have requested or will not be able to provide you with financial advice that is appropriate to your investment needs, objectives and financial circumstances.

Using and disclosing your personal information

Your personal information may be disclosed for purposes related to the provision to you of the financial advice you have requested. The types of service providers that may be provided with your personal information are:

- other financial advisers and organisations involved in providing the financial advice you have requested (which may include ongoing service) such as fund managers who assist us in providing financial advice and paraplanners;

- insurance providers, superannuation trustees and product issuers in connection with the provision to you of the financial advice you have requested;

- organisations that assist in operating a financial planning business such as those that provide administrative, financial, accounting, insurance, research, legal, computer or other business services;

- your representatives or service providers such as your accountant, solicitor, tax agent, stockbroker or bank;

- organisations involved in a business restructure or a transfer of all or part of the assets of the financial adviser’s or their employers (if any) business;

- government authorities and other organisations when required by law; and

- organisations that you have consented to your personal information being disclosed to.

Gaining access to your personal information and contacting us

You can gain access to your personal information held by the financial adviser and Childe Freeman Financial Resources Pty Ltd.  In some circumstances allowed by law request for access can be denied. Your financial adviser and Childe Freeman Financial Resources Pty Ltd can be contacted by calling (07)  5575 7008.

GWM Adviser Services Limited Section

The privacy of your personal information has always been important to us at the National Australia Bank Group (“Group”). The Group is the National Australia Bank Limited and its subsidiaries such as MLC Limited and Custom Service Leasing Limited (trading as Custom Fleet). It includes all our banking, financing, funds management, financial planning, superannuation, insurance and e-commerce organisations.
This statement is an outline of certain matters relating to the collection and handling of your personal information by the Group. A further explanation of our privacy practices is set out in our Privacy Policy.

Collecting your personal information

The purposes for which your personal information is collected will depend on the organisation with which you deal. Personal information is collected by Group organisations offering:

- banking and finance products or services such as personal accounts, loans, credit cards, term deposits, internet banking, e-commerce, derivatives, leasing and related lifestyle products or services

- financial planning or investment products such as managed funds, investment services, superannuation funds, investment bonds, retirement savings accounts and related lifestyle products or services

- trustee or custodial services such as safe deposit boxes or custody of assets for managed funds or superannuation funds

- life insurance products or general insurance products which includes those offered in conjunction with other Group products or services.

If you are, or may be acquiring, or have acquired a product or service from a Group organisation, it will collect your personal information for the purposes of:

- providing you with the relevant product or service (including assessing your application and identifying you)

- managing and administering the product or service

- protecting against fraud where it is a banking and finance, or insurance, product or service.

Group organisations may also collect your personal information for the purpose of letting you know about products or services from across the Group that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested.

If a Group organisation does not obtain the information it seeks it may not be able to:

- process your request
- manage or administer your product or service
- tell you about other products or services from across the Group that might better serve your financial, e-commerce and lifestyle needs.

Using and disclosing your personal information

In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the National Privacy Principles in the Privacy Act 1988 (Commonwealth) and other applicable privacy laws and codes.

The relevant organisations are those:

- involved in providing, managing or administering your product or service such as third party suppliers, other Group organisations, loyalty and affinity program partners, printers, posting services, call centres, lenders mortgage insurers and our advisers

- which are Group organisations who wish to tell you about their products or services that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities, and their related service providers, except where you tell us not to

- who are your financial adviser and their service providers

- involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems

- involved in a corporate re-organisation

- involved in a transfer of all or part of the assets or business of a Group organisation

- involved in the payments system including financial institutions, merchants and payment organisations

- involved in product planning and development

- which are your representatives including your legal advisers

- as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue

- where you have given your consent.

In addition, for Group organisations offering:

- banking and finance products or services - other organisations to which personal information is usually disclosed are card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, mortgage insurance companies, your guarantors, organisations involved in valuing, surveying, or registering a security property or which otherwise have an interest in such property, purchasers of debt portfolios, underwriters, re-insurers and other organisations involved in our normal business practices (such as securitisation).

- financial planning or investment products - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers, organisations in which you invest and other organisations involved in our normal business practices (such as securitisation).

- trustee or custodial services - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers and other organisations involved in our normal business practices.

- life insurance products or general insurance products - other organisations to which personal information is usually disclosed are medical professionals, medical facilities, health authorities, assessors, underwriters, reinsurers and fraud detection agencies and other organisations involved in our normal business practices.

Your personal information may also be used in connection with such purposes.

Because we operate throughout the world, some of these uses and disclosures may occur outside Australia.

Consent

It is our practice to seek your consent to use or disclose your personal information to tell you about other products or services from across the Group that might better serve your financial, e-commerce and lifestyle needs, or other promotions or opportunities in which you may be interested. This may be done after an initial marketing contact. We assume we have your consent to use service providers to assist us with this (such as a posting service or an advertising agency), unless you tell us otherwise (see “Contacting Us”, below).

Gaining access to your personal information

You can gain access to your personal information. This is subject to some exceptions allowed by law. We will give you reasons if we deny access.

Contact us to get a form requesting access (see “Contacting Us” below). In some cases, we may be able to deal with your request over the telephone or in person.

Contacting Us

To obtain more information about how we manage your personal information, or if you would like a copy of our Privacy Policy or a form requesting access, please call:

Personal superannuation, retirement income and investments:	133 433
Business super:	132 350
Insurance:	133 442
Lifetime:	133 771
MasterKey Custom:	1800 647 009
Or check our web-sites:	www.national.com.au or
	www.mlc.com.au

 

General Advice Warning

In preparing any advice in this site Childe Freeman Financial Sources Pty Ltd ACN 126 711 53, trading as CFA Life have not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision.

Peter Childe Freeman & Childe Freeman Financial Sources Pty Ltd ACN 126 711 53, trading as CFA Life, are Authorised Representatives of GWM Adviser Services Limited, ABN 96 002 071 749 trading as GWM Adviser Services Limited, a member of the National group of companies.

Terms and Conditions

These are the terms and conditions for use of this site and access to the information contained on this site.

Neither GWM Adviser Services Limited ABN 96 002 071 749 an Australian Financial Services Licensee, Childe Freeman Financial Sources Pty Ltd ACN 126 711 53 trading as CFA Life warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. GWM Adviser Services Limited is a wholly owned subsidiary of National Australia Bank Limited ABN 12 004 044 937.

1. GWM Adviser Services Limited, its authorised representatives and other members of the National group of companies:

a. do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
b. may change and update the information from time to time;
c. make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
d. own the copyright in the material available on this site.

2. Any trade marks appearing in this site are the trade marks of a member of the National group of companies or a third party. Users must not use or reproduce any of the trademarks that appear in this site.

3. Users of this site must not:
a. do anything to alter or modify the information in this site;
b. use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
c. distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
d. post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.

5. The information contained in this site is general information only made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives.

6. GWM Adviser Services Limited and other members of the National group of companies are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by GWM Adviser Services Limited and other members of the National group of companies.

7. All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

8. Users of this site agree to indemnify GWM Adviser Services Limited and other members of the National group of companies from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.

9. No information, feedback, questions or comments placed on this site by any person other than GWM Adviser Services Limited and other members of the National group of companies will be confidential or authorised or otherwise endorsed. GWM Adviser Service Limited and other members of the National group of companies can reproduce, use, disclose and distribute the information to others in their absolute discretion.

10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between GWM Adviser Services Limited and other organisation (unless otherwise expressly stated). GWM Adviser Services Limited does not control and is not responsible for the content of any other site accessed via this site.

11. You consent to GWM Adviser Services Limited monitoring your use of this site.