This Policy applies to MRG Redshaw Pty Ltd ACN: 110 168 977 (referred to as ‘MRG Redshaw’, ‘we’, ‘our’, ‘us’) and extends to and covers all operations and functions of the organisation and that of related entities such as MRG Advisory Pty Ltd ACN: 611 727 550. We recognise the importance of ensuring the confidentiality and security of your personal information.
This Policy outlines MRG Redshaw’s obligations to manage and protect personal information. MRG Redshaw is bound by the Australian Privacy Principles (‘APPs’), the Credit Reporting Privacy Code (‘the Code’) and the Privacy Act 1988 (‘Privacy Act’). This Policy also outlines a number of MRG Redshaw’s practices, procedures and systems that ensure compliance with the Privacy Act, APPs and the Code.
- ‘Disclosure’ of information means providing information to persons outside MRG Redshaw;
- ‘Individual’ means any persons whose personal information we collect, use or disclose;
- ‘Personal information’ means information or an opinion relating to an individual, which can be used to identify that individual;
- ‘Privacy Officer’ means the contact person within MRG Redshaw for questions or complaints regarding MRG Redshaw’s handling of personal information;
- ‘Sensitive information’ is personal information that includes information relating to a person’s racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual preferences and criminal record, and also includes health information; and
- ‘Use’ of information means use of information within MRG Redshaw.
- WHAT KIND OF PERSONAL INFORMATION DO WE COLLECT AND HOLD?
- phone numbers;
- email addresses;
- bank account details;
- drivers’ licence details;
- any other information that is relevant to the services that we provide.
- HOW WE COLLECT PERSONAL INFORMATION
We generally collect your personal information by the following methods:
- directly from applications, questionnaires and other forms you complete when you wish to use our services or apply for a position with us;
- from information disclosed to us by you on the phone, or by sending us correspondence (including letters, faxes and emails) or visiting us in person;
- from a variety of third party sources, including our business contacts, identity verification service providers, financial institutions, fund recipients, referrers or travel companies.
The above list is not exhaustive.
MRG Redshaw will not collect sensitive information unless the individual has consented or an exemption under the APPs applies. These exceptions include if the collection is required or authorised by law or necessary to take appropriate action in relation to suspected unlawful activity or serious misconduct.
If the personal information we request is not provided by an individual, we may not be able to provide you with the benefit of our services, or meet your needs appropriately.
MRG Redshaw does not give individuals the option of dealing with them anonymously, or under a pseudonym. This is because it is impractical, and in some circumstances illegal, for MRG Redshaw to deal with individuals who are not identified.
- UNSOLICITED PERSONAL INFORMATION
We may receive personal information about you when we have taken no active steps to collect that information. This is known as ‘unsolicited’ personal information. MRG Redshaw’s employees are required to notify the Privacy Officer of all unsolicited personal information received by them. We destroy all unsolicited personal information, unless the personal information is relevant to MRG Redshaw’s purposes for collecting personal information.
- WHO DO WE COLLECT PERSONAL INFORMATION ABOUT?
The personal information we may collect and hold includes (but is not limited to) personal information about:
- potential clients;
- service providers or suppliers;
- prospective employees, employees and contractors; and
- other third parties with whom we come into contact.
- WEBSITE COLLECTION
- WHY DOES MRG REDSHAW COLLECT AND HOLD PERSONAL INFORMATION?
We may use and disclose the information we collect about you for the following purposes:
- to assist MRG Redshaw in providing a product or service to you;
- completion of documentation and forms;
- to consider and assess your request for a product or service;
- to provide you with information about a product or service and invite you to marketing events;
- to protect our business and other clients from fraudulent or unlawful activity;
- to conduct our business and perform other management and administration tasks;
- to consider any concerns or complaints an individual may have;
- to manage any legal actions involving MRG Redshaw;
- to comply with relevant laws, regulations and other legal obligations; and
- to help us improve the products and services offered to our clients, and to enhance our overall business.
- HOW MIGHT WE USE AND DISCLOSE PERSONAL INFORMATION?
MRG Redshaw may use and disclose personal information for the primary purposes for which it is collected, for reasonably expected secondary purposes which are related to the primary purpose and in other circumstances authorised by the Privacy Act.
We use and disclose personal information for the purposes outlined in section 7 above. Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless the individual agrees otherwise, or where certain other limited circumstances apply (e.g. if required by law).
We engage other people to perform services for us, which may involve that person handling personal information we hold. In these situations, we prohibit that person from using personal information about you except for the specific purpose for which we supply it. We prohibit that person from using your information for the purposes of direct marketing their products or services.
In relation to sensitive information held by us, wherever possible, MRG Redshaw will attempt to de-identify the information. We also undertake to take reasonable steps to delete all personal information about you when it is no longer needed.
We may disclose personal information to:
- a related entity of MRG Redshaw;
- an agent, contractor or service provider we engage to carry out our functions and activities, such as our lawyers, accountants, debt collectors or other advisors;
- organisations involved in a transfer or sale of all or part of our assets or business;
- organisations involved in managing payments, including payment merchants and other financial institutions such as banks;
- regulatory bodies, government agencies, law enforcement bodies and courts;
- financial product issuers and credit providers; and
- anyone else to whom the individual authorises us to disclose it or is required by law.
We may also collect personal information from these organisations and individuals, and will deal with that information in accordance with this Policy.
We may disclose personal information to credit reporting bodies, in order to comply with our obligations under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) (AML/CTF obligations). To comply with our AML/CTF obligations, we may disclose your:
- date of birth; and
- residential address
to credit reporting bodies, in order to verify whether the personal information matches the identification information held by the credit reporting body. We may, upon request, provide you with an alternative method of verification, however, any alternative verification method must also comply with the AML/CTF legislation.
- SENDING INFORMATION OVERSEAS
We will not send personal information to recipients outside of Australia unless you specifically instruct us to.
If you consent to your personal information being disclosed to an overseas recipient, and the recipient breaches the APPs, we will not be accountable for that breach under the Privacy Act, and you will not be able to seek redress under the Privacy Act.
- MANAGEMENT OF PERSONAL INFORMATION
MRG Redshaw recognises how important the security of personal information is to clients. We will at all times seek to ensure that the personal information we collect and hold is protected from inference, misuse or loss, and unauthorised access, modification or disclosure. MRG Redshaw employees must respect the confidentiality of the personal information we collect.
Personal information is generally held in client files. 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 relation to our computer-based information, we apply the following guidelines:
- data ownership is clearly defined within MRG Redshaw;
- passwords are routinely checked;
- we change employees’ access capabilities when they are assigned to a new position;
- employees have restricted access to certain sections of the system;
- the system automatically logs and reviews all unauthorised access attempts;
- the system automatically limits the amount of personal information appearing on any one screen;
- unauthorised employees are barred from updating and editing personal information;
- all personal computers which contain personal information are secured, physically and electronically;
- data is encrypted during transmission over the network;
- print reporting of data containing personal information is limited;
- MRG Redshaw has created procedures for the disposal of personal information; and
- personal information is overwritten to the extent possible when the information is no longer required.
MRG Redshaw performs all employment procedures, including application and termination processes, in a confidential manner. All individual job attributes, such as classification information and salaries, are confidential.
Where we no longer require the personal information for a permitted purpose under the APPs, we will take reasonable steps to destroy it.
- DIRECT MARKETING
MRG Redshaw does not use personal information for the purposes of direct marketing, unless:
- the personal information does not include sensitive information; and
- you would reasonably expect us to use or disclose the information for the purpose of direct marketing; and
- we provide a simple way of opting out of direct marketing; and
- you have not requested to opt out of receiving direct marketing from us.
If we collect personal information about you from a third party, we will only use that information for the purposes of direct marketing if you have consented (or it is impracticable to obtain your consent), and we will provide a simple means by which you can easily request not to receive direct marketing communications from us. We will draw your attention to the fact you may make such a request in our direct marketing communications. We will not use your credit information for the purposes of direct marketing.
In relation to sensitive information, MRG Redshaw may only use or disclose sensitive information about an individual for the purpose of direct marketing if you have consented to the use or disclosure of the information for that purpose.
You have the right to request to opt out of direct marketing and we must give effect to the request within a reasonable period of time.
You may also request that MRG Redshaw provides them with the source of your information. If such a request is made, MRG Redshaw must notify you of the source of the information free of charge within a reasonable period of time.
We will not use identifiers assigned by the Government, such as a tax file number, Medicare number or provider number, for our own file recording purposes, unless one of the exemptions in the Privacy Act applies. MRG Redshaw endeavours to avoid data-matching, being the comparison of data collected and held for two or more separate purposes in order to identify common features in relation to individuals, as a basis for further investigation or action in relation to those individuals.
- HOW DO WE KEEP PERSONAL INFORMATION ACCURATE AND UP-TO-DATE?
MRG Redshaw is committed to ensuring that the personal information it collects, uses and discloses is relevant, accurate, complete and up-to-date.
We encourage you to contact us to update any personal information we hold about you. If we correct information that has previously been disclosed to another entity, we will notify the other entity within a reasonable period of the correction. Where we are satisfied information is inaccurate, we will take reasonable steps to correct the information within 30 days, unless you agree otherwise. We do not charge you for correcting the information.
- ACCESS TO PERSONAL INFORMATION
Subject to the exceptions set out in the Privacy Act, you may gain access to the personal information that we hold about you by contacting the MRG Redshaw Privacy Officer. We will provide access within 30 days of the individual’s request. If we refuse to provide the information, we will provide reasons for the refusal.
We will require identity verification and specification of what information is required. An administrative fee for search and photocopying costs may be charged for providing access.
- UPDATES TO THIS POLICY
This Policy will be reviewed from time to time to take account of new laws and technology, and changes to our operations and the business environment. Changes to this Policy will be approved by a Director.
- PRIVACY TRAINING
- NON-COMPLIANCE AND DISCIPLINARY ACTIONS
- INCIDENTS/COMPLAINTS HANDLING
MRG Redshaw has an effective complaints handling process in place to manage privacy risks and issues.
The complaints handling process involves:
- identifying (and addressing) any systemic/ongoing compliance problems;
- increasing consumer confidence in MRG Redshaw’s privacy procedures; and
- helping to build and preserve MRG Redshaw’s reputation and business.
You can make a complaint to MRG Redshaw about the treatment or handling of your personal information by lodging a complaint with the Privacy Officer. Refer to MRG Redshaw’s Procedure on Complaints and Allegations.
- CONTRACTUAL ARRANGEMENTS WITH THIRD PARTIES
Third parties will be required to implement policies in relation to the management of an individual’s personal information in accordance with the Privacy Act. These policies include:
- regulating the collection, use and disclosure of personal and sensitive information;
- de-identifying personal and sensitive information wherever possible;
- ensuring that personal and sensitive information is kept securely, with access to it only by authorised employees or agents of the third parties; and
- ensuring that the personal and sensitive information is only disclosed to organisations which are approved by MRG Redshaw.
- INQUIRIES AND COMPLAINTS
If you have any questions about our privacy procedures, or if wish to make a complaint about how we have dealt with your personal information you may lodge a complaint with us in any of the following ways:
- by telephoning – 07 3221 4004
- by writing to – MRG Redshaw Privacy Officer, 345 Ann Street, Brisbane Qld 4000
- by emailing – firstname.lastname@example.org
- WHAT IF I AM NOT SATISFIED WITH THE RESPONSE?
If you are not satisfied with the result of your complaint to MRG Redshaw you can also refer your complaint to the Office of the Australian Information Commissioner.
You can contact the Office of the Australian Information Commissioner:
- by telephoning – 1300 363 992
- by writing to – Director of Complaints, Office of the Australian Information Commissioner, GPO Box 5218, SYDNEY NSW 2001
- by emailing – email@example.com