Privacy policy

Your privacy is important to us at Q Invest.

Why Q Invest collects information
Q Invest collects personal information to:

• implement and review financial planning advice and services;
• communicate the advice and services provided by Q Invest;
• determine future business strategies and products and to develop Q Invest services; and
• provide information regarding products or services offered by Q Invest which may be of interest to clients.

How Q Invest may collect information
Clients may supply personal and/or health information to Q Invest in a number of ways.  These include by completion:

• of a Q Invest form;
• of another party’s application form which can be forwarded to Q Invest, during an interview, by telephone, facsimile, letter, email or online.

In addition to this, where clients have granted express consent, Q Invest may collect personal information from any party who has, does or will provide products and or services to Q Invest (this may include for example the client’s superannuation fund, regulatory authorities or other financial planning organisations, financial advisers or financial product issuers).

Q Invest may monitor and record telephone calls for quality and training purposes.
 
How that information is used
Q Invest will only use a client's personal and/or health information for the purpose for which it was collected (see `Why we collect information’) or related purposes which would reasonably be expected without a client's permission.

At all times, we respect a client's right to ask us not to use any personal and/or health information supplied to us at any time.

In the course of doing business, Q Invest may outsource certain tasks to third party suppliers such as mailing houses, information technology support and email suppliers.  From time to time Q Invest also seek expert help to improve systems, products and services.  In these circumstances Q Invest may disclose a client's personal information to third parties who Q Invest will require to hold this information confidentially and in accordance with the requirements of the privacy law.  A client's personal information will not be shared with third parties, other than of this kind, without your consent.

Q Invest does not sell personal or health information to other parties.

Q Invest may be required by or under law to disclose information and or to report on prudential or risk management matters to regulators.

What if a client does not provide full or accurate information?
If a client does not provide full or accurate information, Q Invest may not be able to provide a client with the products and/or services they are seeking.

Keeping information accurate and up to date and how clients can access it
Q Invest takes all reasonable steps to ensure that all information held is as accurate as possible.  Clients can contact Q Invest to request access to their information and or to ask for its correction if any of the details held have changed or the client believes that the information Q Invest has about them is not accurate, complete or up to date.  In normal circumstances we will give you full access to your information.  There may be a charge to give the client full access where the request requires the retrieval and compilation of information that has been archived or is significant in volume.  In limited circumstances there may be some legal or administrative reasons to deny access.  If access is denied, Q Invest will provide the client with the reason why.

Security
Q Invest is committed to keeping secure the personal and any health information of a client.  Q Invest takes all reasonable precautions to protect it from misuse and loss and from unauthorised access, modification or disclosure.  From time to time, where information held is identified as no longer needed for any purpose Q Invest may take reasonable steps to effectively and securely destroy it.
 
Personal Information Security Breach
A personal information security breach occurs when personal information is subject to loss or unauthorised access, use, disclosure, copying or modification.  Examples of these include:

• lost or stolen laptops, removable storage devices, or physical files containing personal information;
• paper records inadequately recycled or left in garbage;
• computer hard drives and other storage media being mistakenly providing personal information to the wrong person, for example by sending details out to the wrong address;
• an individual deceiving Q Invest into improperly release the personal information of another person;
• databases containing personal information being ‘hacked’ into or otherwise illegally accessed by individuals outside the company; and
• employees accessing personal information outside the requirements of their employment.

As part of good privacy practice, Q Invest will assess each breach on a case-by-case basis, undertake an assessment of the risks involved and what action shall be taken in each circumstance.

Notification of a breach in appropriate circumstances is consistent with good privacy practices.  Q Invest will notify the client/s within 5 business days of a personal information security breach occurring.  If the breach appears to involve theft or other criminal activity, notification to police will occur.

Spam Act 2003 (Cth)
The Spam Act 2003 (Cth) legislates and prohibits the sending of “unsolicited commercial electronic messaging”.  Examples of “electronic messaging” covers;

• emails;
• instant messaging; and
• SMS and other mobile phone messaging,

but does not cover normal voice-to-voice communication by telephone.

Consent
Commercial Electronic Messaging can only be recognised as spam if messages are sent without the prior consent of the recipient.  This is known as unsolicited messaging.
Messages can only be sent to an address when the responsible person is known and has consented to receive it.

Identify
Commercial messages must always contain clear and accurate identification of who is responsible for sending the message, and how they can be contacted.
 
Unsubscribe
Commercial messages should contain an “unsubscribe facility”, allowing people to indicate that such messages should not be sent to them in future.

Penalties
A business found to be in breach of the Spam Act may be subject to a Court imposed penalty of up to $220,000 for a single day’s contraventions.

Changes to our Privacy Policy
We may make changes to this privacy policy and information handling practices from time to time for any reason.  We will do this by updating this document.

Contact Us
If you have any questions regarding our privacy policy or handling of information, please contact our Privacy Officer:
 Phone:     07 3008 8100
 Toll free:  1800 643 893
 Facsimile: 07 3008 8111
 Email:  qinvest.info@qinvest.com.au
 Post:  The Privacy Officer
   Q Invest Limited
   PO Box 15318
   City East   QLD   4002

1. Personal information means information or an opinion about an individual whose identity is apparent or can reasonably be ascertained.  It includes your name, age, contact details, employment details and history, as well as your financial and investment information.

2. Health information means information or an opinion about the health or a disability (at any time) of an individual, or an individual’s expressed wishes about the future provision of health services or a health service provided, or to be provided to an individual, that is also personal information