Online privacy statement
This statement sets out, Experien Insurance Services Pty Ltd's policy relating to collection, use, disclosure and protection of your personal information by us.

Your personal information is important
We recognise that your privacy is very important and that you have the right to control your personal information. At Experien Insurance Services, we are committed to ensuring the confidentiality and security of your personal information. We are bound by the Privacy Act 1988 (Cth) and the National Privacy Principles to guide us in our responsible handling of personal information.

Collecting information
We collect personal information about you when you use this website (e.g., when you register with us to use any of our online services) or send an email to us. This type of personal information may include your name, email and mailing addresses, date of birth and contact numbers.
We collect this personal information to:
•   assess and process any request you may have;
•   provide you with quality products or services;
•   notify you of important changes to services;
•   comply with record keeping requirements;
•   detect, prevent and prosecute crimes;
•   inform you of new investment opportunities, products and services; and
•   inform you about promotions and competitions.

How we usually use and disclose your personal information
Any personal information which we collect about you when you use the website will be used by us for the purpose for which it was disclosed to us or any related purposes. For instance, we may from time to time use your personal information to inform you of investment opportunities or to provide information about products and services which we expect may be of interest to you.

We may disclose your personal information to service providers who provide various services in connection with our products and services. We may also disclose your personal information to other members of the Investec Group or Financial Wisdom, to enable us to have an integrated view of our customers.

We may be obliged to disclose your personal information by law, e.g., court order or statutory notices pursuant to any legislation and to government authorities.

Access, accuracy, storage and security of your personal information
In most cases, you can gain access to your personal information which we hold, by contacting us.

We will take all reasonable steps necessary to secure any personal information which we hold about you and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities.

If you think the information we have about you is incorrect or incomplete, please write or email us with the updated information. You should keep us informed about all changes to your personal information.

Cookies
When you visit our site, our server attaches a small data file known as a "cookie" to your hard drive. This enables us to analyse usage patterns on our site in order to tailor it to our users' needs.

Cookies are safe. They cannot be used to deliver a virus. Cookies only identify your computer to our servers when you visit our website.

Most web browsers are set to accept cookies. If you do not wish to accept cookies you can refuse the transfer of cookies to your computer's hard drive by adjusting your internet browser.

Cookies do not personally identify users, but rather a user's browser. The cookies simply operate as a unique identifier which help us to know what our users find interesting and useful in our website. We do not link this information back to other information that you have provided to us. We do not store any information inside cookies.

Links to other websites
This website may provide links to third party websites. These linked sites are not under our control and we are not responsible for the conduct of companies linked to this website. Before disclosing your personal information to any other website, you should examine the terms and conditions of using their websites and the privacy policies applicable to their websites.

Direct Marketing
We would like to provide you with information about new products, promotions, special offers, investment opportunities and other information which we think you may find interesting. We may send you such information by mail or telephone in accordance with the information you have provided to us where you have registered for our on-line services. When you provide us with any personal information, you will be given the option to let us know that you do not want your information used for direct marketing purposes. If you request this option, we will not send you any direct marketing.

Email marketing
We would also like to provide you with the information above by email.

If you are a customer or you have previously asked us for information on our products and services, we may send you information on our range of products and services by email, unless you have asked us not to do so.

If the reason you have given us personal information is to receive email information from us, we will continue to provide this information by email unless you ask us not to do so.

If, in providing us with your personal information you have agreed to us using such information to provide you with details of products or services that we consider may be of interest to you by email, we will continue to provide this information by email unless you ask us not to do so.

If you are a new customer, we will only send you marketing information by email if, as part of the registration for our on-line services, you have agreed to the receipt of marketing material from us on such a basis.

If we are providing you with services or products, you will also be subject to the specific terms and conditions relating to that particular service and/or product and those terms and conditions will include additional information as to how we may contact you.

We will continue to provide you with marketing material by specific methods of communication where you have signed up to the applicable preference service in respect of such method.
What do you do if you have a complaint or a question

If you have any queries relating to our privacy policy, or if you have a problem or wish to lodge a complaint in relation to an alleged breach of your privacy, please contact us:

Privacy Officer
Experien Insurance Services
Level 31
The Chifley Tower
2 Chifley Square
Sydney NSW 2000
Tel: +61 2 9293 2269
Fax: +61 2 9293 2002

Changes to our privacy policy
From time to time it may be necessary for us to review and revise our privacy policy. We reserve the right to change our privacy policy at any time and to notify you by posting an updated version of the policy on the website.

We also comply with the Financial Wisdom Security & Privacy polices

As a member of the Commonwealth Bank Group of companies, Financial Wisdom Limited has adopted the principles set out in the Privacy (Private Sector) Amendment Act 2000 as part of our continuing commitment to client service and the maintenance to client confidentiality. For further details please refer to the Group's Privacy Policy