[Last updated 27 July 2020]
Melissa Jane Meagher trading as Talking Money ABN 55 940 445 507 (Talking Money/We/us) is the owner and operator of www.melissameagher.com.au and this privacy policy relates to use of that website as well as services offered by Talking Money.
At Talking Money, we seek to provide the best possible service as your financial coach. You may browse our website anonymously however, if you would like to use any of our services, we will need to collect personal information about yourself and this may include circumstances surrounding your financial circumstances.
It is important for us to ensure that you are confident that any personal information you provide to us is treated in the appropriate manner and with the appropriate degree of privacy.
Talking Money offers expertise in financial coaching and the services it provides to you will dictate the types of personal information that may be necessary for us to collect. The more involved our services are, the greeter amount of personal information we will collect about you.
What does “personal information” mean?
Personal information is any information about you that identifies you or by which your identity may be reasonably determined. By collecting your personal information, we are able to:
- Complete the services you have requested, for example, undertaking a review of your personal financial position or assisting you in preparing a budget and setting short and long term financial goals suitable to your circumstances
- Contact you where necessary
- Complete our business processes, for example billing and tax requirements
- Ensure that you attain the best possible service
Sensitive information
Certain information which will be collected by Talking Money will be sensitive information. The disclosure of sensitive information can only be made by Talking Money with your direct consent or where it is required by law to be disclosed. Some examples of sensitive information include information about your health, finances, sexual preferences, criminal record or political or religions opinions, beliefs or affiliations. When we talk about your personal information in this policy, this includes any sensitive personal information we collect.
How we collect your personal information
We will generally collect your personal information directly from you, from third-party accesses you provide us with or from public information sites. If for some reason we are unable to obtain personal information in this way, we will obtain your consent before information is obtained from another party.
Collection of your personal information may include collection via:
- Face to face meetings or telephone calls with you
- Completion of forms, including our financial position questionnaire
- Through correspondence
- By financial documents which you provide us
- When you ask for access to information we hold about you
The type of personal information we collect will be your contact information, information relating to your financial circumstances, and any other personal or sensitive information necessary for us to provide the services to you. We will collect your personal information only for the purpose of providing our services to you, limited marketing and completion our legitimate business functions.
Where possible, we will require you to specifically consent to any use or disclosure of your personal information. Your consent will usually be required in writing. However, where necessary, we may accept your verbal consent to disclose particular information.
Regardless of how your personal information is collected and whether or not it is through implied or actual consent, Talking Money will deal with your personal information in accordance with this privacy policy.
Who will Talking Money disclose your personal information to?
Other than as disclosed in this privacy policy, Talking Money will not disclose your personal information without your consent. Your consent may be given expressly, or it may be implied from your conduct and interaction with us during the course of our relationship with you. We do not publish your personal information.
We may use your personal information:
- As directed by you
- To complete the services you have requested
- To send you marketing information relevant only to our business or services
- To give to our professional advisors for advice or assistance (for example our accountant or IT services)
- To our payment partner if there is a dispute regarding your payments or account
- As required by law
- As required to identify you and protect you from any unauthorised request to access your personal information
Ensuring your personal information is up to date
To enable us to provide the services in an efficient and proper manner, your personal information must be up to date. In this regard it is important that, during the course of your relationship with Talking Money, you notify us of any changes to your personal information which we hold. This includes your contact details and any matter that may be material to the furtherance of our dealings with you.
The security of your personal information
Talking Money prides itself on its secure handling of the personal information of its clients. We will take all reasonable precautions to safeguard personal information that is held by us, either on file or on computer, from loss, misuse, unauthorised access, modification or disclosure.
To ensure that your personal information is secure, Talking Money employs a number of means, including:
- External and internal premises security
- The requirement for all employees to enter into a confidentiality agreement
- Computer firewall protection
- Restricted access to personal files and information
- Up-to-date technology and computer maintenance to prevent unauthorised access
- Document handling and shredding procedures with respect to personal information
- Limited access to your personal information
When Talking Money no longer requires your personal information and our services have been completed, we will ensure that the records are disposed of or destroyed securely.
Talking Money will correspond with you via email where you consent to that occurring. E-mail may not be a secure way to communicate your personal information to us and as such, that personal information should be delivered through secure means.
Social Networking Services and links to other websites
We may provide links to other websites or use social networking services such as Twitter and Facebook to communicate with the public about our work. These sites have their own privacy policies. When you communicate with us using these services, we may collect your personal information. We will only use it to help us to communicate with you and the public. The social networking service will also handle your personal information for its own purposes. Please do not share personal information via publicly accessible platforms.
Direct marketing
Talking Money may from time to time use your personal information, such as your email address or contact details, to provide you with information about other services that we offer.
If at any time you do not wish to receive any information about these services, please feel free to contact us on 0417 614 854 and we will not send you any further material. Our emails will also contain an ‘unsubscribe’ function which you may use.
Testimonials
If you provide us with a testimonial, you give us your consent for the use of your name and the date to be displayed on our website or in our other marketing material, together with the content of the testimonial that you provide.
How we use Cookies and other identifiers
We use a range of tools provided by third parties including search engine browsers and our web hosting company, to collect or view website traffic information. These sites have their own privacy policies. We also use cookies and session tools to improve your experience when accessing our websites.
Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. Some website features may not function properly without cookies.
The information collected by these tools may include the IP address of the device you are using and information about sites that IP address has come from, the pages accessed on our site and the next site visited. We use the information to help to track your use of our websites to improve your user experience and the quality of our services. To find out how to opt out of tailored advertising please check the options available here – http://www.networkadvertising.org/choices/.
Accessing and correcting your personal information
Please contact us on 0417 614 854 if you have a request about accessing personal information we hold about you. When you access your personal information, we may require you to sign a document stating that you have accessed your information.
You may request copies of the personal information we hold about you, which will only be provided electronically. Subject to some exceptions, you have the right to make a request to amend or correct that information. If we do not agree with your requested change or access, we will let you know and will keep a copy of your request with our information.
We will endeavour to handle all requests for access to personal information as quickly as possible and provide that information to you within 30 days of receipt of your request. Some requests may take longer to process depending upon the amount of documentation held by us. We will let you know if this is the case.
You may only access your own personal information. Any personal information held on your file that relates to another person will not be disclosed to you.
Changes to this privacy policy
Talking Money is constantly monitoring regulations, policies and procedures to ensure that we are up to date will changes in the law and market practices. As a result, we may change this privacy policy from time to time. We have included a ‘last updated’ date at the top of this policy to help you keep track of any changes. You should check back regularly to see if there have been any updates.
Complaints about breaches of privacy
If at any time you have concerns about how we handle your personal information, of believe that Talking Money has wrongfully disclosed your personal information or has breached this privacy policy, then you may lodge a complaint with us by phoning 0417 614 854 or writing to Melissa Meagher trading as Talking Money, 4/24 Wambool Street, Bulimba QLD 4171. If you phone us, we may also ask you to confirm your request in writing.
If you are not happy with how we manage your concerns, you can contact the Australian Privacy Commission, available at http://www.oaic.gov.au.
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