Privacy Policy

TCH Financial Pty Ltd (ABN 48 702 576 609) is committed to protecting the privacy and confidentiality of the personal information we hold. This policy explains how we handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

Last updated: 1 July 2025

1. Who we are

TCH Financial Pty Ltd (ABN 48 702 576 609) provides financial planning and advisory services to individuals, families and business owners across Perth and Western Australia. Our website address is https://tchfinancial.site. In this policy, “we”, “us” and “our” refer to TCH Financial Pty Ltd.

2. The Australian Privacy Principles

We are bound by the Privacy Act 1988 (Cth), including the thirteen Australian Privacy Principles (APPs). The APPs govern how Australian organisations may collect, use, store, disclose and otherwise handle personal information. Where we act as an agent in providing financial advice, we also comply with the professional obligations that apply to licensed financial advisers, including duties of confidentiality and best interests.

3. Personal information we collect

The types of personal information we may collect include:

• Your name, residential and postal address, email address and preferred contact method;
• Date of birth and government-issued identification details where required to verify your identity;
• Employment details and income information;
• Details of your financial circumstances, including assets, liabilities, expenses, superannuation, investments and insurance policies;
• Your objectives, risk profile and any other information relevant to the financial advice we provide;
• Information contained in correspondence, meeting notes, questionnaires and consent forms;
• Website usage information collected through cookies and analytics, as described in section 10.

We only collect personal information where it is reasonably necessary for one or more of our functions or activities, or where the collection is required or authorised by law.

4. How we collect personal information

We generally collect personal information directly from you, for example when you complete a form on our website, attend a meeting or consultation, send us an email, or speak with us during the course of providing advice. Where it is necessary and you have given consent, we may also collect information from third parties such as your accountant, solicitor, superannuation fund, insurer or financial institution. We will take reasonable steps to notify you when we collect personal information about you from a third party.

5. Why we collect personal information

We collect, hold, use and disclose personal information for purposes including:

• Providing financial planning and advisory services, including preparing statements of advice and ongoing reviews;
• Responding to your enquiries and requests for quotes or appointments;
• Verifying your identity as required by anti-money laundering and counter-terrorism financing laws;
• Meeting our record-keeping and regulatory obligations under the Corporations Act 2001 (Cth) and related regulations;
• Managing our business, including quality assurance and internal record-keeping;
• Providing you with information about our services where you have consented to receive such communications.

We will not use or disclose personal information for a purpose other than the primary purpose of collection unless you have consented, you would reasonably expect the use or disclosure, or the use or disclosure is otherwise permitted by the APPs.

6. Sensitive information

Sensitive information (such as health information you choose to provide in connection with insurance advice) will only be collected with your consent and where it is reasonably necessary for our functions, unless the collection is required or permitted by law. Sensitive information is subject to additional safeguards and will not be used or disclosed other than for the purpose for which it was collected, unless you consent or an exception applies.

7. Tax file numbers

Where you provide your tax file number in connection with superannuation or investment matters, we collect, use and store it in accordance with the Tax File Number Guidelines issued by the Australian Information Commissioner. Tax file numbers are never used as an identifier outside those permitted purposes and are disposed of securely when no longer required.

8. Disclosure of personal information

We may disclose personal information to third parties where reasonably necessary for the purposes described above, including:

• Product providers, such as superannuation funds, insurers and investment platforms, when implementing advice at your direction;
• Professional service providers engaged to support our practice, such as paraplanning, compliance, accounting, legal and IT service providers, who are bound by confidentiality obligations;
• Regulatory bodies, dispute resolution schemes and law enforcement agencies where required or authorised by law;
• Your nominated professional advisers, such as your accountant, with your consent.

We do not sell, rent or trade personal information to third parties for their own marketing purposes.

9. Overseas disclosure

Some of our service providers, including cloud storage and software providers, may host or process data outside Australia. Where personal information is likely to be disclosed to overseas recipients, we take reasonable steps to ensure those recipients do not breach the APPs in relation to that information.

10. Cookies and website analytics

When you visit our website, we may use cookies and similar technologies to understand how the site is used and to improve your browsing experience. Cookies are small files stored on your device. You can configure your browser to refuse cookies or to alert you when cookies are being used; however, some features of the website may not function correctly without them. Analytics data collected through our website is used in aggregated form and is not used to identify individual visitors.

11. Security of personal information

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. These steps include access controls, secure storage systems, and staff confidentiality obligations. We also take reasonable steps to destroy or de-identify personal information once it is no longer needed for any lawful purpose, subject to our statutory record-keeping obligations, which may require us to retain certain advice documents for a minimum period of seven years.

12. Access and correction

You may request access to the personal information we hold about you, and request corrections to information that is inaccurate, out of date, incomplete, irrelevant or misleading. To make a request, please email us using the details in section 14. We will respond within a reasonable period and, where reasonable and practicable, provide access in the manner you request. There is generally no charge for a request, although we may charge a reasonable fee for the costs of providing access where permitted. If we refuse a request, we will provide written reasons and information about how you may complain.

13. Direct marketing and opting out

We may send you occasional updates about our services where you have consented or where you would reasonably expect to receive them and you have not opted out. Every marketing communication includes a simple way to opt out, and you may also opt out at any time by emailing us. We do not use or disclose sensitive information for direct marketing without consent.

14. Complaints, enquiries and contact

If you have a question about this policy, wish to access or correct your personal information, or wish to make a privacy complaint, please contact us:

• Email: ceo@tchfinancial.site
• Post: TCH Financial Pty Ltd, Perth, WA, Australia
• Website: tchfinancial.site/contact.html

We take privacy complaints seriously and will acknowledge your complaint promptly, investigate it fairly and respond to you within a reasonable timeframe.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Further information is available on the OAIC website at www.oaic.gov.au.

15. Changes to this policy

We may update this privacy policy from time to time to reflect changes in our practices, the law or technology. The current version will always be published on this page, along with the date of the most recent update. We encourage you to review this policy periodically.