Every effort has been made to offer the most current, correct and clearly expressed information possible within this site. Nonetheless, inadvertent errors can occur and applicable laws, rules and regulations may change.
The information contained in this site is general and is not intended to serve as advice. No warranty is given in relation to the accuracy or reliability of any information. Users should not act or fail to act on the basis of information contained herein. Users are encouraged to contact Jane Horn of Rivet Financial for advice concerning specific matters before making any decision.
We appreciate that, as a customer, you trust us with your personal information, and we are committed to safeguarding your privacy. We abide by the National Privacy Principles established under the Privacy Amendment (Private sector) Act, 2001. A summary of the National Privacy Principles is available by contacting our office.
We are committed to safeguarding the privacy of our customers. In handling your personal information, we are bound by the National Privacy Principles in the Privacy Act and, where applicable, the policies and codes of industry groups to which we belong. This policy explains our general practices in handling personal information. If you need further information, have questions about our privacy practices or wish to gain access to your personal information, please contact us.
As a financial planning organisation, we are subject to certain legislative and regulatory requirements which necessitate us obtaining and holding detailed information that personally identifies you and/or contains information or an opinion about you. In addition, our ability to provide you with a comprehensive financial planning and advice service is dependent upon us obtaining certain personal information about you, including:
- your employment details and history
- details of your financial needs and objectives
- details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, insurance cover, tax returns and superannuation
- details of your investment preferences and aversion or tolerance to risk
- information about your employment history, employment circumstances, family commitments and social security eligibility
- your tax file number
- the names, ages, and addresses of your dependants or beneficiaries
- your health information
- other information you have given us
- your financial and lifestyle goals and aspirations.
Failure to provide the personal information referred to above may expose you to higher risks, in respect of the recommendations made to you, and may affect the adequacy or appropriateness of advice we give to you.
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.
Generally, collection of your personal information will be effected in either face-to-face interviews, over the telephone or via online means. From time to time additional and/or updated personal information may be collected through one or more of these methods.
Use and disclosure of information collected
We will only collect, maintain and use personal information about you if that information is necessary for us to adequately provide the services you have requested, which may include:
- the preparation of your financial plan
- the provision of financial planning advice to you
- making securities and investment recommendations
- making insurance and superannuation recommendations
- reviewing your financial plan
- reviewing securities and investment recommendations
- reviewing insurance and superannuation recommendations
- other activities as directed by you.
We are also obliged, pursuant to the Corporations Act, to maintain certain transaction records and make those records available for inspection by the Australian Securities and Investments Commission.
We are also obliged, as a condition of our licence, to make your records available for inspection by internal Compliance staff.
We may use the personal information collected from you for the purpose of providing you with direct marketing material, such as articles that may be of interest to you. However you may contact us to request not to receive such information and we will effect that request. Please allow two weeks for your request to be actioned.
We may disclose your personal information to another financial adviser during periods when this office is unmanned or closed, to ensure that you receive continued service.
We may disclose your personal information to superannuation fund trustees, insurance providers, and product issuers for the purpose of giving effect to your financial plan and the recommendations made by us.
We may disclose your personal information to external contractors for the following purposes:
- Strategy development
- Compliance monitoring
In the event that we propose to sell our business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is effected, we may transfer your personal information to the purchaser of the business. As a client, you will be advised of any such transfer.
In the event that a Representative of Dover Financial Advisers ceases to act on behalf of Dover and moves to another Australian Financial Services Licence (AFSL), your personal information will be retained by the Representative to act under the new AFSL. As a client, you will be advised of any such transfer and will be given an opportunity to alter this arrangement.
We will take reasonable steps to ensure that the personal information we collect, use, or disclose is accurate, complete and up-to-date.
Your personal information is generally held in your client file. Information may also be held in a computer database.
We will, 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. At all times, your personal information is treated as confidential and any sensitive information is treated as highly confidential.
All paper files are stored in a secure location and, where practical, are stored in lockable filing cabinets.
In the event you cease to be a client of this organisation, any personal information which we hold about you will be securely maintained for a period of seven years, in order to comply with legislative and professional requirements, following which time the information will be destroyed.
Access to information collected
You may contact us to request access to your personal information at any time, and we may provide you with access to that information. However, there are limited circumstances in which access to an individual's personal information will be allowed.
We will not provide you with access to your personal information if:
- providing access would pose a serious threat to the life or health of a person
- providing access would have an unreasonable impact on the privacy of others
- the request for access is frivolous or vexatious
- the information is related to existing or anticipated legal proceedings between us and would not be discoverable in those proceedings
- providing access would reveal our intentions in relation to negotiations with you, in such a way as to prejudice those negotiations
- providing access would be unlawful
- denying access is required or authorised by or under law
- providing access would be likely to prejudice certain operations by or on behalf of an enforcement body, or an enforcement body requests that access not be provided on the grounds of national security.
If access to information is denied, we will provide reasons for the denial. All requests for access will be acknowledged within 14 days.
Correction of information
We will endeavour to ensure that, at all times, the personal information about you which we hold is up-to-date and accurate. Therefore, you are encouraged to contact us and advise of any change in your personal circumstances that may affect your dealings with us.
We have facilities in place to properly consider and deal with any enquiries or complaints, if you believe the privacy of your personal information has been compromised. We will respond to all complaints within seven days and aim to have all complaints resolved within 10 days, where possible. Where this is not possible, you will be contacted and advised when it is likely that your complaint will be resolved.
You are entitled to obtain access to the information which we hold about you by contacting Jane on 0400 202 716, or by writing to Rivet Financial Pty Ltd.
It is our intention to use our best endeavours to resolve any complaint to your satisfaction. However, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.