Privacy Policy
StockCourse Pty Ltd ABN: 13 097 760 819?
Avestra Capital Pty Ltd
ACN: 144 266 698 AFSL: 292464
Our Commitment to Privacy
Avestra Capital Pty Ltd (Avestra) recognises that it is important for you to know how we deal with your personal information and for that reason this statement outlines our current Privacy Policy. Avestra abides by the National Privacy Principles (NPPs) established under the Privacy Amendment (Private Sector) Act 2001.
Collection of Information
Avestra is required under various legislation and codes of practice to collect certain information about you in order to provide our range of services. These include, but are not limited to, the Corporations Act, Income Tax Assessment Act as well as certain regulations issued by the Australian Securities and Investments Commission (ASIC). In addition, our ability to provide you with comprehensive and quality services is reliant on us obtaining certain personal information about you. The staff and representatives of Avestra may request personal and sensitive information from you, which will generally comprise, but not be limited to, the following type of information:
• Personal details e.g. name, address, contact details (phone, email), date of birth, marital status, dependants, employment details.
• Financial details e.g. assets, liabilities, income, expenses.
• Business details including ABNs.
• Details of all investments, superannuation, investor numbers, credit card and bank account details.
• Personal goals and objectives.
• Taxation information including your tax file number.
If you do not provide us with the information required, we may elect to terminate our relationship with you, if we believe it will jeopardise our ability to provide you with a complete, accurate and comprehensive service. We will not collect any personal information about you except when you have knowingly provided that information to us or authorised a third party to provide that information to us. Information will be collected from a variety of sources including directly from you, external organisations and associated companies of Avestra. We only collect, maintain and use personal and sensitive information about you if it is necessary for us to adequately provide the services requested.
Use and Disclosure of Information
Any personal information about you collected by Avestra will be used for the following purposes: Provision of investment services.Completion of associated documentation and application forms.To market services which may be supplied by Avestra or by other suppliers that may be of interest to you, unless you inform us not to do so.To provide you with agreed services to assist in meeting your requirements, needs, goals and objectives.The organisations we may be required to disclose information include, but are not limited to:Its parent company and other companies within the group.Financial institutions (including fund managers, financial advisers, stock brokers).Government departments e.g. Australian Taxation Office (ATO), ASIC and Centrelink as required by law.External service providers and other compliance inspectors for audit purposes.External parties for business acquisitions or in the event of the sale of the business.Any other external party as authorise by you from time to time.Furthermore, we will not use or disclose information collected about you other than for a purpose made known to you unless the disclosure is:Required by law (e.g. ATO, Australian Prudential Regulation Authority and ASIC have the power to order us to disclose information about your situation).Is authorised by law (e.g. to protect our interests or where we have a duty to the public to disclose); or You have consented to our disclosing the information to you. Avestra undertakes not to sell, rent or trade your personal information. We may use the personal information collected from you for the purpose of providing you with direct marketing material such as articles that my be of interest to you, however you may request not to receive such information by contacting the Managing Director as set out below.
Storage and Security
Avestra recognises how important the privacy of your personal information is to you. We will therefore, at all times, seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access, modification or disclosure. Your personal information is generally held in your personal file. Information may also be held in a computer database. All paper files are stored in secure areas. Computer-based information is protected through the use of access passwords. In the event you cease to be a client of this organisation, any personal information which we hold about you will be maintained in a secure on/ off-site storage facility for a period of at least 7 years in order to comply with legislative and professional requirements, following which time the information will be destroyed.
Identifiers
Avestra will not adopt as our own any identifiers that you may provide to us such as Tax File Numbers, Centrelink reference numbers, Medicare numbers etc.
Transfer of Information Overseas
This is required either when information is sent directly to the client, or to obtain further information from international organisations to aid services provided. Wherever possible, the information will only be transferred to another country where Avestra reasonably believes the other country has privacy laws substantially similar to our own.
Access Your Information
You may at any time, request access to your personal information and we will provide you with access to that information either by providing you with copies of the information requested, allowing you to inspect the information requested or providing you with an accurate summary of the information held. We may, prior to providing access in accordance with this policy, require you to provide evidence of your identity. In the event we refuse you access to your personal information, we will provide you with an explanation for that refusal. We will endeavour to respond to any request for access within 14 days depending on the complexity of the information and/ or the request and may charge fees for the request of a significant amount of information to be copied or accessed.
Quality of the Personal Information
Avestra is committed to ensuring that your personal information that we hold is accurate, complete and up to date. To assist us with this, please contact us if any of the details you have provided change. Furthermore, if you believe that the information we have about you is not accurate, complete or up to date, please contact us and we will take all reasonable steps to correct the information.
Privacy Complaints
If you wish to complain about any breach or potential breach of this privacy policy or the NPPs, you should contact us, and request that your complaint be direct to the Managing Director as follows:
The Managing Director
Avestra Capital Pty Ltd
Suite A, Level 2, 21 Lake St
Varsity Lakes
QLD 4227
Email:
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Ph: 07 5555 8500
DEFINITIONS
In this privacy policy, the term: “Company” means Stockcourse Pty Ltd ABN: 13 097 760 819, which company is registered in Australian with the Australian Securities and Investments Commission and “We” and “Us” means the Company; “Content” means the text, databases, electronic images, photographic images, virtual tours, video, menus, business descriptions, business names and/or logo, the details of any proposed transactions or components of it, advertisements, sponsored information and any other information published on this Web Site; “Services” means Company’s products, software, Services, this Web Site and any other web site operated by Company; and “You” or “User” means each person who has logged onto this Company Web Site and is using it for any purpose whatsoever and “Your” has a corresponding meaning.
GENERAL
Company is committed to the protection of Internet users with regard to privacy and data protection. Company complies with the Privacy Act 1988 in relation to all processing of personal data supplied to Us by users and other personal data in our possession for any reason. This statement discloses the privacy policy for the Company website at http:stockcourse.net/privacy-policy/ This statement does not extend to sites that are linked to or which are not part of the Company Web Site.
PERSONAL INFORMATION?
Personal information is any information that identifies You or by which Your identity can be reasonably determined. At specific times Company may ask You to provide Us with personal information, including but not limited to Your name and email address. You may choose not to provide Us with this information. However, this may limit our ability to provide You with a specific service or offer You personalised Content. Occasionally We will send You email communications to provide information, which We think You will find useful, including information about new products and Services from Company. It is our policy only to send email to customers who give Us permission to do so. Our site provides You with the opportunity to "opt-out" of receiving communications from Company at the time We ask You for this information. In addition, whenever We contact You via email, We will also have instructions on how to unsubscribe so that You will not receive any future emails from Us if You so choose. Other companies that place advertising on our site may collect information about You when You view or click on their advertising or Content. Company does not control this collection of information. You should contact these advertisers or Content providers directly if You have any questions about their use of this information.
WHY WE COLLECT PERSONAL INFORMATION
The collection, use and disclosure of Your personal information by Company is essential to enable Us to conduct our business of offering and providing our range of products and Services. By collecting Your personal information We can generally administer our relationship with You which may include: (a) establishing and administering our Services; (b) determining Your requirements and providing the appropriate product or service; (c) assessing Your service needs; (d) improving our Services; (e) identifying You and protecting You from unauthorised access to Your personal information, accounts or Services; and (f) satisfying our legal obligations in respect to customer identification. Without collecting and making use of Your personal information, We may not be able to interact or do business with you
COLLECTION OF INFORMATION
Where possible We collect Your personal information directly from you. We also use Cookies to collect personal information. A 'cookie' is a small amount of data, which often includes an anonymous unique identifier that is sent to Your browser from a web server and stored on You computer’s hard drive. Cookies do not damage Your computer. Each web site can send its own cookie to Your browser if Your browser’s preferences allow it, but (to protect Your privacy) Your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to You by other sites. You can decide if You want to accept cookies by changing the settings on Your browser to accept all cookies, reject all cookies, or notify You when a cookie is set. The Company website uses cookies to assign identification to Your individual browser. This identifies Your browser – but not You – to our servers every time You visit our network. Cookies by themselves cannot be used to find out the identity of any user. Unless You voluntarily advise us, the Company website will never know who You are, even though We assign Your browser a cookie. The information gathered through the use of cookies, allows Company to offer a quality Internet service and easily accessible online Content to our users, and catalogue traffic patterns throughout the network in a manner that provides personal privacy protection. We also keep track of Your IP address to help diagnose problems with our server and to administer our web site. Your IP address is also used to gather broad demographic information about you, such as Your location and Your Internet Service Provider. The Company Web Site may also collect and aggregate information on how our users are utilising the site. This might include information regarding traffic patterns through the sites. Other organisations that place advertising on our network also have the ability to assign a different cookie to Your browser in a process that Company does not control. Again, unless You voluntarily advise them, these advertisers will also never know who You are.
SHARING OF DATA
Company will not disclose any of Your personal information to a third party without Your consent, unless We believe, in good faith, that the law requires it or that the rights or property of Company need to be protected. Your consent to the disclosure of Your personal information may be given explicitly either in writing or verbally or it may be implied from Your conduct.
ACCURACY AND CURRENCY OF PERSONAL DATA
We rely on the personal information We hold about You to efficiently administer our relationship and conduct our business of providing Services. For this reason, it is very important that the personal information We collect from or about You is accurate, complete and up-to-date. During the course of our relationship with You We will ask You to tell Us of any changes to Your personal information however You can contact Us at any time to update Your personal information or to tell Us that the information We hold about You is inaccurate or incomplete.
ACCESS TO YOUR OWN PERSONAL INFORMATION
You may request access to any of the personal information We hold about you. In most cases, a summary of personal information such as Your name and address details, contact telephone numbers, policy numbers, policy cover and Services You have with Us is freely available to You by emailing the request to us. For more detailed requests for access to personal information, a fee may be charged to cover the cost of retrieval and handling of the supply of this information to you. All requests for access to personal information will be handled as quickly as possible and We shall endeavour to process any request for access within 30 days of having received the request. Some requests for access may take longer than 30 days to process depending upon the nature of the personal information being sought. We may refuse You access to personal information in a number of circumstances such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law, or where the request for access is regarded as frivolous or vexatious or is an unreasonable imposition on us.
LINKS TO OTHER SITES
The Company website contains links to other sites not affiliated with Company. These sites have their own policies and practices with respect to online privacy and Company cannot be responsible for the privacy practices or the Content of these unaffiliated websites.
COMMENT
We suggest that You practise reasonable discretion with any site when providing site operators/owners with personal information. It should also be noted that whenever You post personal information in publicly accessible places, such as chat rooms or message boards, this information becomes available to anyone with access to the Internet. Therefore, We recommend that You refrain from posting any information that You do not want seen in these public areas. You should feel free to contact any site that requests personal information from You if You have any questions regarding its policies.
CHANGES TO PRIVACY POLICY
Company constantly reviews all its policies and procedures to keep up to date with changes in the law, technology and market practice. As a result We may change this privacy policy from time to time.
StockCourse is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
StockCourse may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 01/08/2009 by StockCourse Pty Ltd for the website www.stockcourse.net.
What we collect
We may collect the following information:
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
How we use cookies
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to us at our address on the contact us page.
If you believe that any information we are holding on you is incorrect or incomplete, please contact us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.e content of such Web sites.
Public Forums
This site makes forums, message boards, and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.