Privacy Policy

Effective Date: 30 October 2025

1. Introduction

Key Concept Wealth & Insurance Pty Ltd ABN 99 662 489 198 (referred to as “we”, “us”, or “our”) is committed to protecting your privacy and ensuring the security of your personal information.

As a Corporate Authorised Representative of Australian Financial Services Licence Holders Lifespan Financial Planning Pty Ltd and Insurance Advisernet Australia Pty Ltd(AFSL Holders), we comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and our AFSL Holder sprivacy policy (AFSL Privacy Policies)in managing your personal information.

The AFSL Privacy Policies are available at https://lifespanfp.com.au/privacy-policy/ and https://insuranceadviser.net/privacy-policy.

Where there is any inconsistency between this Privacy Policy and the AFSL Privacy Policies, the relevant AFSL Privacy Policy will prevail to the extent of the inconsistency.

2. Types of Personal Information We Collect

We may collect and hold the following types of personal information:

(a) Identity and contact details (e.g., name, address, email address, phone number, date of birth).

(b) Financial and transactional information (e.g., income, expenses, assets, liabilities, superannuation, and investment details).

(d) Sensitive information, such as health information, only with your consent and where necessary for providing financial advice or services.

3. How We Collect and Hold Personal Information

We collect personal information directly from you through forms, emails, phone calls, and face-to-face meetings. In some cases, we may collect information from third parties, such as your employer, accountant, or other authorised representatives, with your consent.

We store personal information securely in both electronic and physical formats. We and our AFSL Holders use secure IT systems, encryption, and access controls to protect your information.

4. Purpose of Collecting, Holding, Using, and Disclosing Personal Information

We collect, hold, use, and disclose your personal information for the following purposes:

(a) To provide financial planning, superannuation, and investment advice tailored to your needs.

(b) To assist in arranging and managing general insurance products.

(c) To comply with legal and regulatory obligations, including those under the Corporations Act 2001 and the Privacy Act 1988.

(d) To communicate with you about our services, including updates and marketing communications (with your consent).

(e) To communicate and provide details as required by our AFSL Holders.

(f) To manage complaints and disputes.

5. Disclosure of Personal Information

We may disclose your personal information to:

(a) Our AFSL Holders, as required under our respective Authorised Representative Agreements and the AFSL Privacy Policies.

(b) Service providers, contractors, or third parties authorised by you to receive such information.

(c) Regulatory bodies, such as the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA), as required by law.

(d) Overseas recipients, where necessary, in compliance with APP 8.1. If applicable, we will specify the countries where your information may be disclosed.

6. Accessing and Correcting Your Personal Information

You have the right to access and correct your personal information. To request access or correction, please contact us using the details provided below. We will respond to your request within a reasonable timeframe, typically within 30 days.

7. Complaints

If you believe we have breached the APPs or mishandled your personal information, you may lodge a complaint by contacting us. We will investigate your complaint and respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

(a) Address: GPO Box 5218, Sydney NSW 2001

(b) Phone: 1300 363 992

(d) Website: www.oaic.gov.au

8. Cookies and Tracking Technologies

Our website may use cookies and other tracking technologies to improve user experience and website functionality. Information collected through these technologies may include browsing behaviour and preferences.

9. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, as required by our AFSL Privacy Policies or as required by law. After this period, we securely delete or de-identify the information.

10. Changes to This Privacy Policy

We reserve the right to update this privacy policy at any time and if needed, to reflect any material changes to the AFSL Privacy Policies. Please review this policy and the AFSL Privacy Policies periodically to stay informed about how we manage your personal information.

11. Contact Us

If you have any questions or concerns about this privacy policy or how we handle your personal information, please contact us:

(a) Email: info@keyconcept.com.au

(b) Phone: 0497 194 909