BGFA Holdings Pty Ltd A.C.N.650 670 938, trading as “Irwin & Associates, places paramount importance on safeguarding the privacy of your personal information. In this Privacy Policy, collectively referred to as ‘we,’ ‘us,’ and ‘our,’ we aim to provide you with comprehensive insights into how we collect, store, utilise, and disclose your personal information. Our commitment is in strict adherence to the Australian Privacy Principles outlined in the Privacy Act 1988 (Cth) (Act) and the terms laid out in this Privacy Policy. Should you seek further clarification on privacy matters or information regarding the handling of your personal information, please don’t hesitate to contact us using the provided contact details at the end of this policy.

We do advise that BGFA Holdings Pty Ltd is 100% owned and controlled by Savant Private Equity Pty Ltd A.C.N. 164 452 313, trading as “Savant Private”. For more details, please go to: www.savantprivate.com.au.

WHAT INFORMATION DO WE COLLECT AND HOLD?
Because of the nature of the products and services we provide, we may ask you for a range of personal information as well as government regulations and taxation laws. Typically, we may collect the following details from you with your permission: Name, address, telephone number, Gender, marital status, Email address, Financial information, Identification verification materials, Investment experience, Credit history, Citizenship documentation, Other related information. This is not an exhaustive list.

We may collect information about you because we are required or authorized by law to collect it. There are laws that affect financial institutions, including company and tax law, which require us to collect personal information. If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and that, without us taking any further steps required by privacy laws, we may collect, use, and disclose such information for the purposes described in this Policy.

HOW 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 third parties where it is unreasonable or impracticable to collect the information from you, for instance, from credit reporting bodies, our related entities, business partners, product issuers, or your representatives. We will usually notify you about these instances in advance, or where that is not possible, as soon as reasonably practicable after the information has been collected. If the personal information you provide to us is incomplete or inaccurate, we may be unable to provide you, or someone else you know, with the services you, or they, are seeking.

HOW WE STORE YOUR PERSONAL INFORMATION:
We are committed to ensuring the information you provide to us is secure. Your information is stored either hard copy or electronic format, in storage facilities that we own and operate ourselves or that are owned and operated by our service providers. We take reasonable steps to maintain the security of your information and to protect it from unauthorized disclosure. When the personal information that we collect is no longer required, we will take reasonable steps to destroy or de-identify your information unless we are otherwise required or authorized by law to retain it.

HOW WE USE YOUR PERSONAL INFORMATION:
The purpose for collecting personal information is to provide you with the products and services you’ve asked for, to understand and meet your needs and provide you with a wide range of financial and other products and services that are available to customers throughout the wider Savant Private business group. The types of products and services provided by Savant Private include (but are not limited to) accounting and taxation services, strategic financial planning and investment advice, portfolio and self-managed superannuation fund administration, credit assistance, property investment, legal services and other related services.

Irwins & Associates encourages clients to provide feedback relating to various stages of their dealings with the business. We use the information clients submit to improve our offering, enhance customer engagement and as a training tool for staff members. From time to time, we may share success stories both internally and may display extracts on our website, while ensuring customers’ identities remain confidential.

We may also use and disclose your personal information:
– To give you information about a product or service and/or consider whether you are eligible for a product or service.
– To process your application for a product or service and/or administer the product or service we provide you.
– To allow us to run our business and perform administrative and operational tasks.
– To determine whether a beneficiary will be paid a benefit.
– To identify you and prevent or investigate any fraud or crime or any suspected fraud or crime.
– If it will prevent or lessen a serious and imminent threat to somebody’s life or health.
– As required by law and regulation or codes binding us, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
– For any purpose for which you have provided express (verbal or written) or implied consent.

TO MAKE SURE WE CAN MEET YOUR SPECIFIC NEEDS, AND FOR THE PURPOSES DESCRIBED ABOVE, WE SOMETIMES NEED TO SHARE YOUR PERSONAL INFORMATION WITH OTHERS INCLUDING:

– Those involved in providing, managing, or administering your product or service including related bodies of Irwins & Associates.
– Directly employed staff located in the Philippines, who provide professional administration services to the business group.
– External third-party service providers who help us operate our business and who have been contracted to provide administrative, brokerage and settlement, banking, financial, insurance, research, tax, legal, or other services, including, without limitation, those who assist us in providing products and services to you and in managing your personal information.
– Where relevant or required, we will take reasonable steps to require these external service providers to comply with privacy legislation and only use personal information for prescribed purposes. In all circumstances where personal information may become known to our contractors, agents, and outsourced service providers, there are also confidentiality arrangements in place.
– Government or regulatory bodies (including ASIC and the Australian Tax Office) as required or authorized by law.
– Any other individuals, bodies or agencies that you would reasonably expect, or you have been told, that information of that kind is usually passed to.

WEBSITE COOKIES & THIRD-PARTY TOOLS:
If you access our website, we may collect additional personal information about you in the form of your IP address and domain name. Our website uses cookies. The main purpose of cookies is to identify users and to prepare customized web pages for them. Cookies do not identify you personally, but they may link back to a database record about you. We use cookies to monitor usage of our website and to create a personal record of when you visit our website and what pages you view so that we may serve you more effectively. Our website may contain links to other websites; however, this Privacy Policy does not extend beyond our website. Linked websites are responsible for their own privacy practices, and we recommend that you read the privacy policy of such sites to familiarise yourself with their respective privacy practices. In addition, we use third-party tools that may collect data about you, for general marketing purposes and so that we can improve the services we offer you.

ACCESS TO AND AMENDING YOUR PERSONAL INFORMATION:
You may access personal information collected from you and retained by us if you so desire. We endeavor to ensure that all personal information collected is accurate, complete, and up-to-date. If you so request, we will provide you with your personal information within a reasonable timeframe assuming the request is not vexatious. We request that you contact us via email to inform us of any changes to the personal information that has been collected from you. If you have a concern regarding any of your personal information held by us, you should contact us immediately.

POLICY CHANGES:
This Privacy Policy is current as of 18 August 2024 and is subject to change from time to time without notice. As amendments are made, they will be posted on our website within a reasonable time.

INFORMATION AND COMPLAINTS:
For more information or for any complaints regarding how we have collected or used your personal information, please contact the Compliance Officer in any of the following ways:
Mail: Irwins & Associates, 8/23 Glen Affric St, The Gap, QLD, 4061
Email: privacy@irwins.com.au

More information about your rights and our obligations in respect to Privacy and information on making a Privacy complaint are available from the Office of the Australian Information Commissioner by:
Website: www.oaic.gov.au
Mail: GPO Box 5218 Sydney NSW 2001
Email: enquiries@oaic.gov.au