Privacy Policy

1. Introduction

Ever Wealth Co provide personal financial advice to individuals and are committed to protecting the privacy of our clients and prospective clients. This Privacy Policy explains how we collect, use, disclose, and manage your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By engaging with our services or providing us with your personal information, you consent to the collection, use, and disclosure of your information as set out in this policy.

2. What Personal Information We Collect

We may collect and hold the following types of personal information:

2.1 Identity and Contact Information

• Full name, date of birth, and gender
• Residential and postal addresses
• Phone numbers and email addresses
• Tax File Number (TFN) (where required and with your consent)
• Government-issued identification documents

2.2 Financial Information

• Income, assets, liabilities, and net worth
• Bank account and investment account details
• Superannuation fund details and balances
• Insurance policies and coverage details
• Employment information and salary details
• Centrelink and government benefit entitlements

2.3 Personal Circumstances

• Family situation, dependants, and relationship status
• Health information relevant to insurance or retirement planning
• Goals, objectives, risk tolerance, and financial experience
• Estate planning documents and beneficiary nominations

2.4 Sensitive Information

We may collect sensitive information (such as health information) only where it is reasonably necessary to provide you with financial advice — for example, when assessing life insurance or income protection needs. We will obtain your consent before collecting sensitive information wherever practicable.

3. How We Collect Your Information

We collect personal information in a number of ways:

• Directly from you — through our fact-find and data collection forms, client onboarding meetings, and ongoing advice reviews
• From your representatives — such as your accountant, solicitor, or employer, where you have authorised us to do so
• From third parties — including superannuation funds, insurance providers, investment platforms, and the Australian Taxation Office
• Through our website — when you contact us via our contact form or email link at everwealthco.com.au

We collect information by lawful and fair means, and where it is reasonable and practicable to do so, we collect it directly from you.

4. Why We Collect Your Information

We collect personal information to:

• Prepare and provide personal financial advice tailored to your circumstances
• Implement strategies and products recommended in your Statement of Advice or Record of Advice
• Meet our legal and regulatory obligations, including those under the Corporations Act 2001 (Cth), the ASIC Act 2001 (Cth), and applicable ASIC regulations
• Verify your identity in accordance with Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) requirements
• Maintain records of advice and manage our client relationships
• Contact you regarding your advice, portfolio reviews, and any material changes that may affect your financial plan

We will only collect information that is necessary for one or more of these purposes.

5. Use and Disclosure

We use your personal information for the primary purpose for which it was collected. We will not use or disclose your personal information for a secondary purpose unless:

• You have consented to that use or disclosure
• You would reasonably expect us to use or disclose it for that purpose, and it is related to the primary purpose
• We are required or authorised by law

We may disclose your personal information to:

• Product providers — including superannuation funds, life insurers, investment managers, and platform operators — where necessary to implement advice
• Our licensee, Ever Wealth Group Pty Ltd, for compliance and supervision purposes
• Professional advisers — including accountants, solicitors, and mortgage brokers — where you have provided authority for us to liaise with them
• Regulatory and government bodies — including ASIC, the ATO, and AUSTRAC — as required by law
• Our compliance support providers — for the purpose of reviewing advice files and meeting AFSL obligations

We will not sell, rent, or trade your personal information to any third party for marketing purposes.

6. Storage and Security

We take the security of your personal information seriously. Your information is stored and managed using the following measures:

• Client files and records are maintained in secure, Australian-based cloud storage systems
• Access to personal information is restricted to authorised personnel only
• We use password-protected systems, encryption, and multi-factor authentication where available
• Physical documents, where held, are stored securely and disposed of through secure destruction

We retain personal information for the period required to fulfil the purposes outlined in this policy, or as required by law. Under our document retention obligations, financial advice records are generally retained for a minimum of seven years.

While we take reasonable steps to protect your information, no security system is completely impenetrable. If you have any concerns about the security of your information, please contact us.

7. Overseas Disclosure

Our operations and data storage are based in Australia. We do not routinely transfer your personal information overseas.

Our website (everwealthco.com.au) is hosted through a third-party provider, which may utilise servers located outside Australia. However, we do not collect or store personal information through our website beyond basic contact enquiries. If you contact us via the website contact form, that information is transmitted to us and then stored within our Australian-based systems.

If we are required to disclose your personal information to an overseas recipient in any other circumstance, we will notify you and take reasonable steps to ensure the recipient does not breach the Australian Privacy Principles.

8. Direct Marketing

We do not use your personal information for direct marketing purposes. We may send you communications directly related to your financial advice — such as review reminders, fee disclosure statements, and important regulatory notices — but these are not marketing communications.

If you receive any communication from us that you consider to be unsolicited, please contact us and we will address your concern promptly.

9. Anonymity and Pseudonymity

Where practicable, you have the option of not identifying yourself, or of using a pseudonym, when dealing with us. However, because we are legally required to verify client identity and provide advice that is appropriate to your personal circumstances, we are generally unable to provide financial advice services on an anonymous basis.

General enquiries via our website or by phone may be made without providing personal information.

10. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you, and to request that we correct any information that is inaccurate, incomplete, or out of date.

To make an access or correction request, please contact us using the details below. We will respond to your request within a reasonable time, and in any event within 30 days.

In some circumstances, we may decline to provide access or make a correction — for example, where doing so would pose a threat to health or safety, or where we are required by law to retain information in its current form. We will explain the reasons for any refusal.

We do not charge a fee to make an access or correction request, though we may charge a reasonable fee to cover the cost of providing access if the request is complex.

11. Privacy Complaints

If you believe we have breached the Australian Privacy Principles or otherwise mishandled your personal information, we encourage you to contact us directly in the first instance.

To lodge a privacy complaint, please contact us in writing using the details below. We will acknowledge your complaint promptly and endeavour to resolve it within 30 days.

If you are not satisfied with our response, or if we fail to respond within a reasonable time, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):

12. Website and Cookies

Our website (everwealthco.com.au) does not use cookies or tracking technologies to collect personal information about visitors.

Our website uses Google Fonts, which may load fonts from Google's servers. This is a standard web practice and does not involve the collection of identifiable personal information.

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies before providing any personal information.

13. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal obligations. The current version of this policy will always be available from us on request and will be provided to clients as part of our engagement process.

Material changes to this policy will be communicated to existing clients by email or through our standard client communication channels.

14. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or our handling of your personal information, please contact us: