Who are we?

‘We’, ‘us’ and ‘our’ refer to BCV Financial Solutions Pty Ltd. ACN 006 026 651, and our related businesses.

Our commitment to protect your privacy

We understand how important it is to protect your personal information.  This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law.  It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

Cookies

We use cookies in a limited manner when you visit our website, for the purpose of providing you with a better and more customised service. Cookies are not used by us to collect and store your personal information. However, they do allow collection of identifiable information.

A cookie is a small text placed on your computer by our web page server. A cookie can later be retrieved by our webpage services. Cookies are frequently used on websites. You can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

• to allocate a unique number to your internet browser;
• to customise our website for you;
• for statistical purposes;
• for security purposes; or to authenticate or identify whether you are registered on our web site, without requiring you to re-enter details each time you log on to our web site.
• To potentially serve ads to you while you are browsing the Internet.

If at any time you do not wish to accept cookies or wish to delete existing cookies, you may manually configure your browser to refuse cookies or may manually delete existing cookies from your hard drive. However by deleting or refusing to accept cookies you may frustrate or hinder your access to or use of areas of our web site.

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent.  This information may include information or an opinion about you.  

The kinds of personal information we may collect about you on this website include your name, email address, date of birth, address, account details, occupation, and any other information we made need to identify you.

Why we collect your personal information

We collect personal information for the purposes of setting up appointments, registering you to attend events and delivering financial services.  We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.  From time to time we may offer you other products and services.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us.  

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you.  We may also collect your personal information from finance brokers and other people such as accountants and lawyers.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional, or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We will not ask you to disclose sensitive information unless it is necessary for providing our services to you. However, if you elect to provide unsolicited sensitive information, it may be captured and stored.

Do we disclose your personal information?

We may disclose your personal information:

• to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
• to associated businesses that may want to market products to you;
• to companies that provide information and infrastructure systems to us; such as email marketing platforms, CRM and other software as a service.
• to anybody who represents you, such as finance brokers, lawyers and accountants;
• to anyone, where you have provided us consent;where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);
• to investors, agents or advisers, or any entity that has an interest in our business; or to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or

(b) you have consented to us making the disclosure.

We may use cloud storage to store the personal information we hold about you.  The cloud storage and the IT servers may be located outside Australia.

We may disclose your personal information to overseas entities that provide support functions to us.  You may obtain more information about these entities by contacting us.

Direct marketing

From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.

If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on (03) 9781 4533 or by writing to us at PO Box 2663, Seaford VIC 3198. If the direct marketing is by email you may also use the unsubscribe function.   We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date.  During the course of our relationship with you we may ask you to inform us if any of your personal information has changed. If you wish to make any changes to your personal information, you may contact us.  We will generally rely on you to ensure the information we hold about you is accurate or complete.

Access and correction to your personal information

We will provide you with access to the personal information we hold about you.  You may request access to any of the personal information we hold about you at any time.

We may charge a fee for our costs of retrieving and supplying the information to you.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request.  We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information.  If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request.  Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Using government identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law.  We will never use a government identifier in order to identify you.

Business without identifying you

In most circumstances, it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive information

We will only collect sensitive information about you with your consent.  Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment.  We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us on (03) 9781 4533 or by email to enquiries@bcvfs.com.au. We will acknowledge your complaint within seven days.  We will provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner who can be contacted on either www.oaic.gov.au or 1300 363 992.

Further information

You may request further information about the way we manage your personal information by contacting us.

Change in our privacy policy

We are constantly reviewing all our policies and attempt to keep up to date with market expectations.  Technology is constantly changing, as is the law and market place practices.

As a consequence, we may change this privacy policy from time to time or as the need arises.

You may request this privacy policy in an alternative form.

This Privacy Policy came into existence on 11th April 2017.

Governing Law

The use of this website is governed by Australian law.