Expert Advice on Investments and Superannuation

Aspen Wealth Privacy Policy

At Aspen Wealth, we understand that your privacy is important to you, and it is equally important to us. We handle personal information provided by and about individuals every day. By personal information, we mean information or an opinion about a person whose identity is apparent or can reasonably be ascertained.

The aim of Aspen Wealth is to both support and ensure compliance with the Privacy Act 1988 (Cth) (Privacy Act). Additionally, Aspen Wealth must comply with the Spam Act 2003 (Cth), which aims to prevent the sending of unsolicited electronic commercial messages and allows recipients to unsubscribe from future messages.

The information provided below is primarily a summary of our obligations under the Privacy Act, particularly the relevant privacy principles.

This Policy addresses how personal information you provide to Aspen Wealth is collected, held, used, corrected, disclosed, and transferred. You can obtain more information upon request about how we manage the personal information we hold. If you seek further information, please contact us using one of the methods outlined below.

How We Collect Your Personal Information In the course of our activities, we may collect and hold your personal and/or business details because you are a member (Member) of Aspen Wealth or otherwise involved or connected with Aspen Wealth. You may also engage with us in other capacities, including but not limited to, using our website, attending meetings/conferences, utilizing our education or training services or materials.

We typically collect personal information in two ways. First, when individuals provide personal information to us through submissions such as application or registration forms, user profiles, promotional sign-ups, application downloads, Curriculum Vitae submissions, submissions for publication on the Aspen Wealth website, referral programs, participation in the disciplinary process of members, or requests for customer service. Second, some personal information may be collected automatically. This is described as ‘Passive Data Collection’. We may receive passively-collected information through a variety of methods, including but not limited to, cookies while accessing parts of the Aspen Wealth website.

What Information We Collect

The types of personal information that we may collect include, but are not limited to:
Your name and contact details, including but not limited to, your address, email address, and phone number.
Information which you provide to us when making an application to become a Member, or renewing your membership, including but not limited to, employment details, and any Declarations you make in line with the Aspen Wealth Member Regulations in force from time to time.
Information you provide to us when you manually update your Member details or instruct us to do the same.
Information which you provide to us in response to, or by participating in, one of our surveys, promotions, competitions, or events.
Your credit card and/or banking details.
Details of the services that we have agreed to provide to you, that you have purchased from us, or that you have otherwise engaged us to undertake.
Records of our communications with you, including any complaints, requests, service issues, or queries.
Information about your visits to and activities on our website in connection with our services that we may provide to you, or events or activity you may attend.
If you apply for a job with us, any information contained in your CV or any other information that you may otherwise provide to us in connection with making any such application.
Information in any review or comment that you post online, including via our website or social media.

How We Use Information

Our main purposes for collecting your personal information include:

To assess the suitability of applicants for membership of Aspen Wealth and to update our records.
To facilitate the enrollment in or assessment of courses of study or training courses/conferences.
To disseminate, by electronic means or otherwise, topical information and details of events of interest (including conferences and educational services).
To regulate, investigate, and monitor the activities of members in accordance with the rules, policies, and procedures of Aspen Wealth.
To investigate complaints made against members for alleged breaches of professional standards, Aspen Wealth’s Constitution, and Disciplinary Regulations, including without limitation any complaints subject to whistle-blower provisions and the external publication of outcomes of any disciplinary proceedings.
To facilitate the provision of a referral service to interested members of the public.
To publish articles, blogs, and other information received for our online services.
To personalize and display advertisements and content that is relevant to you.
To provide Chapter or Community Chairs with the ability to contact members directly about events or other areas of interest for their local Chapter / Community members.
To facilitate the provision of materials to members for director elections.
To recognize members who contribute to any Aspen Wealth charitable endeavor, or any charitable purpose associated with Aspen Wealth, including by way of acknowledgments of support on the internet.
To facilitate the audit of Continuing Professional Development (CPD), including requests made by third parties verifying the satisfaction of CPD criteria.
To enable Aspen Wealth to respond to queries from third parties, including without limitation financial institutions and licensees, or as required by law, in relation to membership status of Aspen Wealth including current employment details and membership status.
Where you express an interest in being part of a pro bono advice scheme, in order to allow either us or the provider to contact you.
To enable the granting of awards and scholarships.
To provide membership services and to communicate with you, including to:

- Establish your identity
- Contact you for any purpose not listed above
- Manage our risk and comply with our legal obligations
- Communicate information about products and services to you
- Meet our internal administrative, marketing, planning, and research requirements
- We will only collect personal information from you that is necessary for one or more of our functions and activities.

We will only collect personal information from you by lawful and fair means, without being unreasonably intrusive, such as when you complete a membership application or renewal, update a form, enrollment form, registration form (for in-person or online services), or questionnaire, etc. We will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to, and what will happen if you do not provide personal information to us.

Other than in connection with our monitoring and investigative activities under the relevant legislation and Aspen Wealth Regulations:

Where reasonable and practicable, we will only collect personal information about you, from you.
Wherever it is lawful and practicable, we will give you the option of not identifying yourself or not providing personal information when entering into transactions with us.
However, failure to provide full and complete information we request may mean that we are unable to provide services to you fully and properly. As a member, it may also be a breach of your membership obligations.

Once we hold personal information, we will take reasonable steps to keep it accurate, complete, and up-to-date.

If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and that, without us taking any further steps required by privacy laws, we may collect, use, and disclose such information for the purposes described in this Policy.

Use and Disclosure

We will only use your personal information for the main purpose we told you it was needed for, with limited exceptions. These exceptions are:

Where you consent to us using that personal information for another purpose.
Where the other purpose is related to the main purpose and you would reasonably expect us to use the personal information for that other purpose.
Where it is permitted or required