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Privacy Policy October 2018

Planning for Life Privacy Policy

The privacy of your personal information is important to us at Planning for Life. We are required to comply with the the Australian Privacy Principles. We will always seek to comply with the Australian Privacy Principles as well as other applicable laws affecting your personal information.

This privacy policy outlines our policy on how we manage your personal information. It also sets out generally what sort of personal information we hold, for what purposes and how we collect, hold, use and disclose that information.

Collecting your personal information
Your personal information will be collected and held by Planning for Life, who is an Authorised Representative of GWM Adviser Services Limited, an Australian Financial Services Licensee, for the purposes of:

  • providing you with the advisory services that you have requested;
  • managing our relationship with you, including management and administration tasks such as answering your requests and concerns, conducting market research and taking any required legal action;
  • completing documentation and forms, including identifying you or verifying your authority to act on behalf of a customer;
  • to protect our business and other clients from fraudulent or unlawful activity;
  • to comply with relevant laws, regulations, and other legal obligations;
  • to help us improve the products and services offered to our clients, including contacting you about products and services in which you may be interested; and
  • for any purpose for which you have given your consent.

You can let us know at any time if you no longer wish to receive direct marketing offers. You can do this by emailing us ( with your instructions, or by clicking the ‘Unsubscribe’ link included in the footer of such emails. We will process your request as soon as practicable.

To enable your financial adviser to provide you with financial advice you request that is suitable for your investment objectives, financial situation and personal needs, we need to obtain and hold information about you. This includes:

  • your name, contact details and date of birth;
  • employment details and history;
  • financial details including information about your financial needs and objectives, current financial circumstances including assets and liabilities, income and expenses, insurance and superannuation;
  • your investment preferences and risk tolerance;
  • family circumstances and social security eligibility; and
  • any other information we consider necessary.

The personal information collected may include sensitive information such as health and memberships of professional or trade associations.

If it is reasonable and practicable we will only collect your personal information from you. Generally this will be collected when you meet with your adviser in person, provide your adviser with this over the telephone or with written material. We may need to collect information from third parties, such as your accountant.

We may receive personal information about you when we have taken no active steps to collect that information. We destroy all unsolicited personal information, unless the personal information is relevant to our purposes for collecting personal information.

How your information is held
Your personal information is generally held in client files or on a computer database. Your personal information may also be held in a secure archiving facility. We will seek to ensure that we take reasonable steps to protect your personal information from misuse and loss or unauthorised access, modification and disclosure. Some of the measure we have adopted are having facilities for the secure storage of personal information, having secure offices and access controls for our computer systems.

We will also take reasonable steps to destroy or permanently de-identify personal information that we no longer require for any purpose for which it may be used or disclosed under the Australian Privacy Principles.

Using and disclosing your personal information
Your personal information may be disclosed for purposes related to the provision of the financial advice you have requested.The types of service providers that may be provided with this information are:

  • other financial advisers and organisations involved in providing the financial advice you have requested (which may include ongoing advice) such as fund managers who assist us in providing advice and paraplanners;
  • insurance providers, superannuation trustees and product issuers in connection with the provision to you of the financial advice you have requested;
  • organisations that assist in operating a financial planning business such as those that provide administrative, financial, accounting, research, legal, computer or other business services;
  • your representatives or service providers, such as accountant, solicitor, tax agent, stock broker or bank;
  • organisations involved in a business restructure or transfer of all or part of the assets of our business or the due diligence procedures prior to any such sale or transfer;
  • government authorities and other organisations as required by law; and
  • organisations that you have consented to your personal information being disclosed to.

Your personal information may also be used in connection with such such purposes.

In addition to the purposes of collection set out above, your personal information may also be used in connection with such purposes.

We will seek to ensure that your personal information is not used or disclosed for any purpose other than:

  • the primary purpose for which it was collected or a related secondary purpose;
  • where you have consented to use or disclose; or
  • in other circumstances, where the Australian Privacy Principles authorise the use or disclosure such as when it is required or authorised under law.

We may disclose your personal information to third parties who provide services to us, in which case we will seek to ensure that the personal information is held, used or disclosed consistently with the Australian Privacy principles.

Organisations outside Australia
In order to provide you with our services, we may need to share your information with organisations outside Australia (for example information Technology providers). These countries include:


We may store your information in the cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via internet connection, it is not always practicable to know in which country your information is held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under foreign law. In those instances, we will not be responsible for that disclosure.

We will not send personal information to recipients outside of Australia unless:

  • we have taken reasonable steps to ensure that the recipient does not breach the Privacy Act and the Australian Privacy Principles;
  • the recipient is subject to an information privacy scheme similar to the Privacy Act; or
  • the individual has consented to the disclosure.

Accessing your personal information
You can gain access to your personal information that we hold. This is subject to exceptions allowed by law, such as where providing you with access would have an unreasonable impact upon others. To request access please contact us (see below).

Correcting your personal information

We endeavour to take reasonable steps to ensure that the personal information that we collect, use or disclose is accurate, complete and up-to-date. If you believe that any of the personal information that we hold is not accurate, complete or up-to-date please contact us (see “Contacting Us and Privacy Issues” below) and provide us with evidence that it is not accurate, complete and up-to-date.

If we agree that the personal information requires correcting we will take reasonable steps to do so. If we do not correct your personal information we will provide you with reasons for not correcting your personal information. If you request that we associate with the information a statement that the information is not accurate, complete or up to date, we will take reasonable steps to comply with this request.

Contacting us and Privacy issues
You can obtain further information on request about the way in which we manage the personal information that we hold or you can raise any privacy issues with us, including a complaint about privacy, by contacting us using the details below. We are committed to resolving your complaint.

Rhonda McKenzie

Principal Adviser

Phone: 03 8841 3111

If you still feel your issue hasn’t been resolved to your satisfaction, then you can escalate your privacy concerns to:

Office of the Australian Information Commissioner

Financial Ombudsman Service – if lodging before 1 November 2018

  • Website:
  • Email:
  • Phone: 1800 367 287
  • In writing to: Financial Ombudsman Service Limited GPO Box 3 Melbourne VIC 3001


Australian Financial Complaints Authority (AFCA)* – if lodging on or after 1 November 2018

  • Website:
  • Email:
  • Telephone: 1800 931 678 (free call)
  • In writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001


*The Australian Financial Complaints Authority or ‘AFCA’ is a new external dispute resolution (EDR) scheme to deal with complaints from consumers in the financial system.

AFCA replaces the three existing EDR schemes of the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) so that consumers have access to a single EDR scheme.

 We know that financial planning can be complicated. Planning For Life makes it simpler for you. When you need advice and support,

call us on (03) 8841 3111