The information contained in this web site is for general information purposes only. The information provided is not intended to replace individual advice. We do not accept liability for damages whatsoever that may be caused by relying upon the information provided in this web site.

 

At AGM Williams & Co., we want to provide the best possible service across our wide range of financial products and services. To achieve this aim we need to make the most efficient use of your personal information.

 

However it is equally important to us that you are confident that any of your personal information entrusted to us is treated with the appropriate degree of privacy.

Personal information is any information about you that identifies you or by which your identity can be reasonably determined.

Collecting your personal information is essential for AGM Williams & Co. to be able to conduct its business of providing financial products and services.

 

By collecting personal information we,

• set up and administer products and services
   

• determine your requirements and provide the appropriate product or service
   

• assess your financial product or service needs
   

• improve our financial products and services
   

• identify you and protect you from unauthorised access to your personal information, accounts or services.

If we do not collect and make use of your personal information, we are unable to do business with you.

Where possible we collect your personal information directly from you.

 

Collection may take place in a number of ways such as when you complete an application form for a product or request a product or service over the telephone or Internet.

 

Often personal information is collected during the course of our relationship with you. Examples of personal information collection during our relationship may be when you seek a variation to the terms of a loan you may have with us.

 

Sometimes personal information may be collected about you from other sources. Examples of where we may receive personal information about you from another source and why this would happen are,

• a credit reference about you from a credit reporting agency in the course of assessing your application for a loan

In most cases we will require you to specifically consent to any collection, use or disclosure of your personal information by AGM Williams & Co.. Your consent will usually be required in writing but we may accept your verbal consent in certain circumstances.

 

However, no matter how your personal information is collected it is dealt with by AGM Williams & Co. in accordance with this Privacy Policy.

We use the personal information that we collect so that we can conduct our business of providing financial products and services and to administer and enhance the financial service relationship we have with you.

 

To enable us to do this we may share your personal information with the related companies within AGM Williams & Co.

From time to time we may use your personal information to provide you with information about our extensive range of financial products and services.

 

If you do not want to receive any of this information just contact us at any one of our branches or by calling 07-3831-3144.

 

Once you have told us you no longer wish to receive information about our products and services, we will not send you any further material.

 

You can, however, change your mind about receiving information about our products and services at any time - either way, you just need to let us know.

 

AGM Williams & Co. does not disclose your personal information to a party outside AGM Williams & Co. for the purposes of allowing them to direct market their products or services to you.

 

Often the law requires us to provide you with certain information about the product or service that you receive from us. You will continue to receive this type of information from us even if you have decided not to receive information about our products and services generally.

AGM Williams & Co. may disclose your personal information in certain circumstances.

 

Sometimes we are required or authorised by law to disclose your personal information. For example we may disclose your personal information to a Court in response to a subpoena or to the Australian Taxation Office following a direction issued under taxation laws.

 

We may also disclose your personal information where you have consented to us doing so. Your consent to the disclosure of your personal information may be given explicitly such as in writing or verbally or may be implied from your conduct such as when you discuss details of the relationship you have with us publicly with the media.

 

Generally however we do not disclose your personal information to a party outside AGM Williams & Co., unless that party is contracted to AGM Williams & Co. to provide administrative services or activities on our behalf and that party is bound by the same privacy rules we follow.

We rely on the personal information we hold about you to efficiently conduct our business of providing financial products and services.

 

For this reason, it is very important that the personal information we collect from you is accurate, complete and up-to-date.

 

During the course of our relationship with you we will ask you to tell us of any changes to your personal information however you can contact us at any time to update your personal information or to tell us that the information we hold about you is inaccurate or incomplete.

The protection of your personal information is a priority for AGM Williams & Co..

 

This is why we take all reasonable precautions to safeguard your personal information from loss, misuse, unauthorised access, modification or disclosure.

 

We employ a number of means to protect your personal information including,

• internal premises security
   

• restricted access to personal information
   

• entering into confidentiality agreements with all employees, contractors and third party organisations
   

• maintaining technology products to prevent unauthorised computer access

Furthermore, when we no longer require your personal information it is our practice to securely destroy the information or delete it from our systems.

You may request access to any of the personal information we hold about you.

 

In most cases, a summary of personal information such as your name and address details, contact telephone numbers and the products and services you have with us are freely available to you by calling 07-3831-3144.

 

For more detailed requests for access to personal information, for example, access to information held in archives, a fee may be charged to cover the cost of retrieval and the supply of this information to you.

 

All requests for access to personal information will be handled as quickly as possible and we shall endeavour to process any request for access within 30 days of having received the request. Some requests for access may take longer than 30 days to process depending upon the nature of the personal information being sought.

 

AGM Williams & Co. may be required by law to retain your personal information for a period of time after you have ceased your relationship with us. After the required time has passed we attend to the secure destruction or deletion of your personal information.

AGM Williams & Co. is not always required to provide you with access to your personal information upon your request.

 

We may refuse you access to personal information in a number of circumstances such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law, or where the request for access is regarded as frivolous or vexatious.

 

If we deny your request for access to, or refuse your request to correct your personal information, we will explain why.

AGM Williams & Co. does not send personal information outside Australia unless it is authorised to do so by law.