Nucleus is an accounting and mortgage broking firm that helps individuals, companies, trustees and other business structures in accounting, taxation and SMSF services. Nucleus also helps its clients securing loans from various lenders under the Credit License of Australian Finance Group. For a number of years we have been at the forefront of providing accounting, taxation, Home Loan and SMSF solutions and we take pride in helping our clients achieve their financial goals.

We are bound by the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth) (Privacy Act) and we understand the importance of, and are committed to, protecting your personal information.

This Privacy Policy explains how we manage your personal information (that is, information or an opinion about you, whether true or not, which identifies you or from which your identity is reasonably identifiable), including our obligations and your rights in respect of our dealings with your personal information.

We refer throughout our Privacy Policy to ‘personal information’ which means information that identifies you as an individual or from which you can reasonably be identified. An individual’s name, address and telephone numbers are all examples of ‘personal information’.

Please take a moment to read our Privacy Policy carefully, as it describes the way in which we collect and handle your personal information. References in this Privacy Policy to “we”, “us” and “our” are to members of the “Nucleus Group”, meaning Nucleus Professionals Pty Limited and Nucleus Loan Solutions Pty Ltd. This Privacy Policy applies to our products and services offered and to our website at https://www.Nucleusadvisory.com.au/ (the Website).

We refer throughout our Privacy Policy to ‘personal information’ which means information that identifies you as an individual or from which you can reasonably be identified. An individual’s name, address and telephone numbers are all examples of ‘personal information’.

We will collect and hold your personal information in a fair and lawful manner, and not in an intrusive way. Where it is reasonably practical to do so, we will collect your personal information directly from you.

The types of personal information we may collect and hold about you will depend on a range of circumstances, including who you are and which of our services and products you are looking to access or use. In particular, we note that this personal information may often be collected and held as a result of information relating to your SMSF which contains details which identify you or from which your identity is reasonably identifiable.

Generally, the personal information we collect (including as a result of us collecting financial information about you) can include, but is not limited to:

• your name, date and place of birth, age, gender, postcode and other demographic information;
• your tax file number;
• information about employer contributions to your Super Fund;
• your contact details, such as your work and personal email, postal addresses and phone numbers;
• information to verify your identify, such as your driver's licence number or passport details;
• billing and financial information (such as your banking or payment information, bank statements, profit & loss account, balance sheets, credit card number, cardholder name and expiration date);
• information relating to assets you own and liabilities you have
• information relating to your creditworthiness (including the credit information described in section 4 below);
• if you are applying for employment with us, employment information, such as job application information and the results of criminal history checks;
• information related to your family members when they are part of the same application or service requirement;
• any information which is publicly available, including on a third party social media service; and
• any other information you provide us from time to time, including your preferences or opinions relating to our products and services, and information relating to surveys, competitions, enquiries or complaints.

If you do not provide us with the personal information, we request from you, we may not be able to supply the products or services you have requested, or we may be restricted in the way we supply those products or services. Failure to provide the information may result in us having to decline to provide products or services you have requested.

We collect and use personal information about you primarily to supply you with the products and services you order from us and our related companies. We do not sell, rent or lease your personal information to third parties, whether our Partners or otherwise, for marketing purposes.

As a general rule, we only process personal information for purposes that would be considered relevant and reasonable in the circumstances.

In particular, we may collect, hold, use and disclose personal information:

• to offer and provide you with our products and services, or request feedback about products and services you have received;
• to manage and administer those products and services;
• for direct marketing purposes, including to prepare and provide marketing information about our products and services and those of our related companies and other organisations in accordance with the Privacy Act and section 6 below;
• to conduct business planning and research into our customers, including analysing general statistical information regarding the use of our Website;
• in the case of credit information, to assess your creditworthiness for the purposes of an application by you for commercial credit;
• to communicate with you;
• to comply with our legal and regulatory obligations;
• for any purpose disclosed to you and to which you have consented;
• for any purpose that you would otherwise reasonably expect; and
• otherwise to appropriately manage and conduct our business, including performing administrative functions such as billing, accounts and records management.

We may disclose your personal information to any person nominated by you, including solicitors, accountants and financial planners.

We may also disclose personal information to our related companies, agents and organisations or to third parties such as our contractors, suppliers, partners, service providers (including organisations that provide us with technical and support services), or our professional advisors, auditors or consultants, where permitted by the Privacy Act. We may also disclose personal information to entities seeking to acquire all or part of our business, or other entities with your consent. If we disclose information to a third party, we generally require that the third party protect that information to the same extent that we do.

We may hold personal information as either secure physical records, electronically on our intranet system, in cloud storage or on third party servers. We implement all infrastructure within Australian borders and adhere to all Australian data sovereignty laws.

There are inherent risks in transmitting information across the internet. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. However we strive to protect personal information by maintaining appropriate physical, procedural and technical security for our offices and information storage facilities so as to prevent any loss, misuse, interference, unauthorised access, disclosure, or modification of personal information, including when we dispose of personal information.

We further protect personal information by restricting access to personal information to only those who need access to the personal information to do their job. Physical, electronic and managerial procedures have been employed to safeguard the security and integrity of your personal information.

You are responsible for ensuring that any user name and password that are issued to you are protected at all times from unauthorised access by third parties.

You may request access to personal information we hold about you. On the rare occasions when we refuse access, we will provide you with a written notice stating our reasons for refusing access. We may seek to recover reasonable costs incurred for providing you with access to any of the personal information about you held by us.

You may also request that information about you be corrected if you do not think that it is accurate. We are not obliged to correct any of your personal information if we do not agree that it requires correction and we may refuse to do so. If we refuse a correction request, we will provide you with a written notice stating our reasons for refusing.

Requests to access or correct personal information should be made in writing to our Privacy Officer at info@nucleusadvisory.com.au. We will respond to all requests to access or correct personal information within a reasonable time.

If you have any questions, concerns or complaints about this Privacy Policy, or how we handle your personal information (including under the APPs or other binding codes), please contact our Privacy Officer at info@nucleusadvisory.com.au. We take all complaints seriously and will respond to your complaint within a reasonable period.

If you are dissatisfied with the handling of your complaint, you may contact the Office of the Australian Information Commissioner at GPO Box 5218, Sydney NSW 2001, on 1300 363 992 or via email at enquiries@oaic.gov.au.

We may revise our Privacy Policy from time to time by providing a revised version on our website. Our revised Privacy Policy will take effect from the time it is posted on our website. Please periodically check our Privacy Policy to ensure you are aware of any recent updates.