Privacy Statement

Navigate Wealth Privacy Statement

Protecting our clients’ privacy is very important to us. The Privacy Act requires that we handle your personal information in accordance with a set of national principles, known as the Australian Privacy Principles (APPs), which regulate the collection, use, correction, disclosure and transfer of personal information about individuals by organisations like us in the private sector. This Policy explains our policies and practices with respect to the collection, use and management of your personal information and our approach to the APPs.

Roles, Responsibilities and Policy Governance

The NAVIGATE WEALTH Board is ultimately responsible for overseeing this Policy. The Privacy officer (Responsible Manager) is responsible for updating this Policy and for managing the business impacts of privacy laws within NAVIGATE WEALTH.

This Policy is reviewed and updated annually by the Privacy Officer (Responsible Manager)             , unless required earlier. The most current version of the Policy can be obtained from our website at NAVIGATE Questions about this policy should be directed to the Privacy officer.

Further Information and Feedback

You can contact our Privacy officer by:

Phone: 1300 505 565

Mail: PO Box Q1706, QVB NSW 1230


Members of our Group

The NAVIGATE WEALTH Group includes:

·         NAVIGATE WEALTH ABN 21 132 336 844(Holds an Australian Financial Services Licence 332417 and provides financial planning advice to retail and wholesale clients)

·         Any Corporate Authorised Representatives (if any) and Authorised Representatives.

Members of the group that have collected personal information are permitted by the Privacy Act to disclose personal information to other members of the group. We only share information where this is relevant to the purpose. The list of Authorised Representatives changes from time to time and details of our current authorised entities and representatives are available at

General Obligations

What information do we collect?

We will collect and hold your personal information for the purposes of:

·         providing advice, products and services to you

·         managing and administering your products and services

·         verifying your identity

·         letting you know about our other products and services

The type of information collected from you includes information that is necessary to operate your account or for us to provide advice to you. We may ask you to provide personal information such as your:

·         contact details including name and e-mail address, residential and/or postal address and phone number

·         personal details including date of birth, financial goals and standing plus medical history

·         estate planning details

·         occupation and employment arrangements

·         residency status and tax file number (TFN)

This information is primarily collected from forms you have completed, or through ongoing communications with you or persons you authorise to communicate with us on your behalf such as your adviser.

We will inform you of any legal requirements for us to ask for information about you and the consequences of not giving us that requested information. For example, in addition to the personal information we will obtain from you, whenever you acquire a new product or service from us, we may require documents evidencing your identity. Such evidence may include a certified copy of your driver’s licence, passport or birth certificate.

We will only solicit personal information about you where you have knowingly provided that information to us, we believe you have authorised a third party to provide that information to us, or we are obligated by law to obtain such information. Third parties that we may need to collect information from include your financial adviser, product issuer, employer, accountant or solicitor. To verify your identity for Know Your Customer (KYC) purposes, we may also solicit personal information about you from reliable identity verification service providers.

There are specific circumstances in which we will ask for your consent to provide sensitive information such as:

·         health information to apply for insurance or from medical practitioners when you make a claim

·         income information to apply for insurance protection or salary continuance insurance

·         details of your dependents

What if you do not give us the information we request?

You are not obligated to give us the information that we request. However, if you do not give us the information that we ask for, or the information you give is not complete or accurate, this may:

·         prevent us being able to provide you with financial services and/or advice

·         prevent our services from meeting your needs or may cause you to suffer unforeseen financial consequences

·         prevent or delay the processing of your applications or insurance claims

·         affect your eligibility for specified insurance cover

·         impact the taxation treatment of your account

·         prevent us from contacting you

For example, if you elect not to provide us with your personal information as and when requested, we may not be able to provide you with financial advice due to inability to meet requirements under the Corporations Act 2001 or the Financial Adviser Standards and Ethics Authority.

Use of Information

How do we use the information that we collect from you?

We use your personal information for the purpose for which it has been obtained and for related purposes. For example, we collect your personal information so that we can act on your request to:

·         provide financial advice to you

·         provide assistance with ancillary services such as Centrelink

·         establish your investment and superannuation accounts

·         set-up and administer a self-managed super fund

·         implement your investment instructions

·         establish and maintain insurance protection

·         report the investment performance of your account

·         keep you up to date on other products and services that may be of interest to you

We will not adopt as our own any identifiers that you may provide to us such as TFNs, Medicare numbers or MyGov details etc. They may be held on file if you have provided consent.


Who do we give your information to?

For the purpose of providing services to you (or a related purpose), we may provide your information to other companies within the NAVIGATE WEALTH Group or external parties. Where personal information is disclosed, there are strict controls in place to ensure information is held, used and disclosed in accordance with the APPs.

The types of external organisations to which we may disclose your personal information include:

·         your financial adviser

·         organisations involved in providing, managing or administering our products or services such as paraplanning services, advice software vendors, external dispute resolution services, insurers, investment managers, product issuers, superannuation trustees or mail houses

·         medical practitioners and other relevant professionals, where you have applied for insurance cover or made a claim for disablement benefit

·         your personal representative, or any other person who may be entitled to receive your death benefit, or any person contacted to assist us to process that benefit

·         other Australian Financial Services Licensees or financial advisers or their agents for due diligence purposes in the event of business sales

·         financial institutions that hold accounts for you

·         professional advisers appointed by us such as auditors to ensure the integrity of our operations

·         professional advisers appointed by you (including your accountant, solicitor, executor, administrator, trustee, guardian or attorney)

·         businesses that may have referred you to us (for example your Accountant or Lawyer)

Like other financial services companies, there are situations where we may also disclose your personal information where it is:

·         required by law (such as to the Australian Securities and Investments Commission, Australian Taxation Office or pursuant to a court order)

·         authorised by law (such as where we are obliged to disclose information in the public interest or to protect our interests)

·         necessary to discharge obligations (such as to foreign governments for the purposes of foreign taxation)

·         required to assist in law enforcement (such as to a police force)

We may also disclose your information if you give your consent.

Will my information be disclosed overseas?

It is generally unlikely that we will disclose your personal information overseas. However, we may use third-party service providers or outsourcing services that include offshore operations to provide services to you. Depending on the circumstances, the relevant countries will vary such that it is not practicable to list them here.

Any overseas disclosure does not affect our commitment to safeguarding your personal information and we will take reasonable steps to ensure any overseas recipient complies with the APPs.

Where we may transfer your personal information overseas, we will ensure that appropriate contractual measures are in place requiring the overseas entity to protect your personal information in accordance with our obligations under Australian privacy law.

Access and Correction of Information

Can I access my information and what if it is incorrect?

You may request access to the personal information we hold about you. We may charge a reasonable fee to cover our costs.

There may be circumstances where we are unable to give you access to the information that you have requested. If this is the case, we will inform you and explain the reasons why.

We will take reasonable steps to ensure that the personal information we collect, hold, use or disclose is accurate, complete, up to date, relevant and not misleading.

You have a right to ask us to correct any information we hold about you if you believe it is inaccurate, incomplete, out of date, irrelevant or is misleading. If we do not agree with the corrections you have supplied and refuse to correct the personal information, we are required to give you a written notice to that effect and a statement if requested.

If you wish to access or correct your personal information, contact your adviser in the first instance. You may then contact us through our offices or by writing to the Privacy officer.

Protection of the Personal and Sensitive Information That We Hold

How do we protect the security of your information?

We have security systems, practices and procedures in place to safeguard your privacy. We also train our authorised representatives and staff as to their obligations about your personal information.

We may use cloud storage or third-party servers to store the personal information we hold about you. These services are subject to regular audit and the people who handle your personal information have the training, knowledge, skills and commitment to protect it from unauthorised access, disclosure or misuse.

If you use secure sections of our websites, we will verify your identity by your username and password. Once verified, you will have access to secured content. You are responsible for maintaining the secrecy of your login details.

Our authorised representatives protect information in several ways including providing secure storage for physical records, restricting access to their office to authorised persons, and ensuring client data is regularly backed up offsite.

Risks of using the Internet

There are inherent security risks in transmitting information through the internet. You should assess these potential risks when deciding whether to use online services. If you do not wish to transmit information through electronic means, there are other ways in which you can provide information to us.

Our websites may use cookies and/or other analytics tools which may enable us to identify you, your browser or other information about you while you are using our site. These cookies may be permanently stored or temporary session cookies. They are used for a variety of purposes, including security and personalisation of services. They are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

All browsers allow you to be notified when you receive a cookie and you may elect to either accept it or not. If you wish not to accept a cookie, this may impact the effectiveness of the website.

Where you choose to communicate with us by email, we may store your email, name and address with any other contact or personal details you have provided on our databases.

Retention of your personal information

We are required by law to retain certain records of information for varying lengths of time and, in certain circumstances, permanently. Where your personal information is not required to be retained under law and is no longer required for the purpose for which it was collected, we will take reasonable steps to destroy or de-identify it.

European Union General Data Protection Regulation (GDPR)

If you reside in a country that is a member of the European Economic Area (the EU and Norway, Lichtenstein and Iceland), in addition to the protection you receive under the Privacy Act, you are entitled to other protections provided by the GDPR, including, in certain circumstances, the right to:

·         have your personal information erased

·         access your personal information in an electronic and portable format

·         restrict or object to the processing of your personal information

Complaints and Breaches

If you believe that we have breached the APPs by mishandling your information, you may lodge a complaint with the Privacy officer.

·         the Privacy officer will respond to your complaint within 30 days

·         if you are not satisfied with the outcome, you may lodge a complaint with the Australian Information Commissioner (OAIC). Further information is available at

If you have a complaint about a breach of the GDPR, you may contact the local regulator in your European Economic Area.

We are committed to helping you have control of your personal information and so it is our practice to take reasonable steps to notify you if we are aware that we have breached your privacy.

In accordance with the Notifiable Data Breaches Scheme, if your personal information is involved in a data breach that is likely to result in serious harm to you, we will notify you and the Australian Information Commissioner.

Navigate Wealth Public Complaints Policy

This policy explains how you can make a complaint, our measures for handling your complaint, and the steps you can take if you are not satisfied with our response to your complaint or the time that it takes for us to respond.

A complaint is an expression of dissatisfaction made to or about us; related to our products, services, staff or our handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required.

We acknowledge the importance of having an effective and efficient complaints handling and internal dispute response (IDR) framework, and we adopt a customer-focused approach. While we acknowledge your right to make a complaint, we expect that you will treat our staff with respect when they are dealing with your complaint.

How you may lodge a complaint with us.

You may contact us to make a complaint at:

·         Phone: 1300 505 565

·         Email:

·         Mail: PO Box Q1706, Queen Victoria Building NSW 1230

Options available to assist complainants who might need additional help to lodge a complaint

If you need help to make or manage your complaint, you can appoint someone (for example, a relative or friend) to represent you. We will need your authority to speak to any representative you appoint. We can also help you to fill out forms or express your complaint.

Our key steps for dealing with complaints include acknowledgement, assessment and investigation, and provision of an IDR response

We will acknowledge receipt of your complaint and try to resolve it as quickly as possible. We will generally acknowledge your complaint in the same manner that you made it e.g. in writing, verbally or social media post and within 24 hours or as soon as is practicable.

If we cannot resolve your complaint immediately, we will need some time to investigate your concerns. We may also request that you provide us with further information to assist with our investigation.

We will provide you with our written reasons (our IDR response) for the outcome of your complaint where:

·         Your complaint is not resolved within 5 business days of us receiving your complaint

·         You request a written response

·         Your complaint is about a declined insurance claim; the value of an insurance claim or if your complaint is about a decision of a superannuation trustee.

We are not required to provide you with an IDR Response if your complaint is closed within 5 days because:

·         The complaint is resolved to your satisfaction, and you have not requested a response

·         We give you an explanation and/or apology when we cannot take any action to reasonably address your complaint

Our IDR Response will tell you the outcome of your complaint, and if we reject or partially reject it then:

·         The reasons for our decisions and actions

·         Identify and address the issues you raised in your complaint

·         Set out our findings on the material questions of fact raised in your complaint, making reference to the relevant supporting information and provide sufficient detail in order for you to understand the reasons for our decision so that you can decide whether to escalate the complaint to AFCA or another forum.

Response timeframes differ according to whether your complaint is dealt with under our standard IDR response procedures or by a superannuation trustee. Our standard complaint responses are provided within 30 calendar days of your complaint.

Superannuation trustee complaint response timeframes:

·         Within 45 calendar days after receiving your complaint

·         Where complaints relate to death benefit distributions, within 90 calendar days after the expiry of the 28-calendar day period for objecting to a proposed death benefit distribution.

If we are not able to provide our IDR Response to you on time because your complaint is complex or because of circumstances beyond our control, we will write to you to explain the reasons for the delay and inform you of your right to complain to AFCA and provide you with AFCA’s contact details.

Details about accessing AFCA where a complaint is not resolved.

AFCA offers a free and independent dispute resolution for financial complaints to individuals and small businesses. If your complaint is not resolved to your satisfaction, you may contact the Australian Financial Complaints Authority at:

·         Online:

·         Email:

·         Phone:1800 931 678

·         Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

We are a member of AFCA and our membership number is 13389.

Use of Cookies

The Navigate Wealth Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Navigate Wealth pages, or register with Financial Planners Sydney-Financial Advisers Sydney and Parramatta site or services, a cookie helps Navigate Wealth to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Navigate Wealth Web site, the information you previously provided can be retrieved, so you can easily use the Navigate Wealth features that you customized.

You have the ability 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. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Navigate Wealth services or Web sites you visit.

Security of your Personal Information

Navigate Wealth secures your personal information from unauthorized access, use or disclosure. Navigate Wealth secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Navigate Wealth will occasionally update this Statement of Privacy to reflect company and customer feedback. Navigate Wealth encourages you to periodically review this Statement to be informed of how Navigate Wealth is protecting your information.

Contact Information

Navigate Wealth welcomes your comments regarding this Statement of Privacy. If you believe that Navigate Wealth has not adhered to this Statement, please contact Navigate Wealth on 1300 505 565 or via email We will use commercially reasonable efforts to promptly determine and remedy the problem.