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Privacy Policy for Sandton Insurance Services

Last Updated: 04 September 2025

1. Our Commitment to Your Privacy

Sandton Insurance Services Pty Ltd (ABN 63 682 168 743), an Authorised Representative (No. 001313590) of Bluewater Financial Advisors Pty Ltd (AFSL 411846), is committed to protecting your privacy and handling your personal information in an open and transparent way.

This policy outlines our obligations in managing the personal information we collect about our clients, potential clients, and website visitors. We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act).

2. What Personal Information We Collect

We collect personal information that is necessary for us to provide you with our financial advice and services. The types of information we may collect include:

  • Personal Identification: Your full name, date of birth, and contact details (address, email address, phone number).

  • Financial & Employment Information: Your occupation, income, and employment status.

  • Sensitive Information: In the course of providing our services, we may need to collect sensitive information. This is a special category of personal information under the Privacy Act and includes information about your health, lifestyle (such as smoker or non-smoker status), and medical history. We will only collect sensitive information with your explicit consent and only when it is necessary for underwriting an insurance application.

3. How We Collect Your Personal Information

We will collect your personal information directly from you. This may happen when you:

  • Fill out our Client Intake Form on our website.

  • Contact us via our general contact form, email, or telephone.

  • Engage with us during a consultation.

4. Why We Collect, Hold, and Use Your Personal Information

We collect your personal information for the primary purpose of providing our insurance advisory services to you. This includes:

  • Assessing your personal circumstances and needs for insurance.

  • Preparing tailored insurance quotes on your behalf.

  • Assisting you in applying for insurance products with various providers.

  • Supporting and managing your policy, including any future claims.

  • Complying with our legal and regulatory obligations.

  • Sending you marketing communications, but only where you have explicitly consented to receive them.

5. Who We Disclose Your Personal Information To

In order to provide our services, we may need to disclose your personal information to third parties, including:

  • Insurance Providers: To obtain quotes and submit applications on your behalf.

  • Our Licensee: Bluewater Financial Advisors Pty Ltd, for compliance, auditing, and professional standards purposes.

  • IT Service Providers: Third parties who provide us with IT support, cloud storage, or other technology services.

  • Government and Regulatory Bodies: As required by law, such as ASIC or the Australian Taxation Office.

We will not sell, rent, or trade your personal information.

6. Direct Marketing

We will only send you direct marketing communications (such as newsletters or updates) if you have given us your express consent. You can opt-out of receiving marketing materials from us at any time by using the "unsubscribe" link in our emails or by contacting us directly at [Insert Client's Email].

7. Security of Your Personal Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Your information is stored on secure servers, and we implement a range of physical and electronic security measures.

8. Accessing and Correcting Your Personal Information

You have the right to request access to the personal information we hold about you and to request its correction. To do so, please contact us using the details below. We will not charge a fee for an access request, but we may charge an administrative fee for providing a copy of your information.

9. Use of Our Website and Cookies

We use cookies on our website to help us analyse website traffic and improve your user experience. Cookies are small text files stored on your computer. You can choose to accept or decline cookies by adjusting your web browser settings.

10. Making a Complaint

If you believe we have breached the Australian Privacy Principles, please contact us with your concerns. We will investigate your complaint and respond to you in writing.

Contact Person: [Founder's Name/Privacy Officer]
Email: [Insert Client's Email]
Phone: [Insert Client's Phone Number]

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The most current version will always be available on our website. We encourage you to review this policy periodically.