We’ll never sell your information to a third party
We take your privacy seriously
We are committed to preserving your privacy and complying with the Privacy Act 1988 and the Australian Privacy Principles.
Collection of Personal Information
Information We Collect From You
The main way we collect personal information from you is when you provide it to us. For example, when you:
1 – engage with a service we offer or invest in a product we promote;
2 – make an enquiry about our services or the products we promote;
3 – register your interest in receiving information about our services or the products we promote;
4 – insert information into one of our forms;
5 – ask to be placed on one of our mailing lists;
6 – visit our website;
7 – contact, register with, post to, like or follow any of our social media pages;
8 – register for our events; or
9 – participate in our competitions, promotions or surveys.
The details of exactly what types of personal information we collect can be found in our disclosure documents, on our forms and websites, and in the questions we ask when we communicate with you.
Information We Collect From Other Parties
We may also collect information about you from other parties such as your employer, your financial advisor, the Australian Taxation Office (ATO), another superannuation fund of which you are a member, clearing houses, credit reporting agencies and identification verification services.
We may collect sensitive information about you such as your health (for insurance purposes) but do not collect information about your race, religion, beliefs or sexual preference except where you have consented or where we are permitted or required by law to do so. Sensitive information will only be used for the purpose for which it was provided.
Holding and Retaining Your Personal Information
We take reasonable precautions to protect and secure your personal information from misuse, interference and loss, as well as unauthorised access, modification and disclosure.
Your personal information is stored electronically on secure systems provided by cloud service providers. Access to these systems is restricted and controlled via passwords, encryption and firewalls in line with Australian information security standards. Where your personal information is held in hardcopy form, these paper files are archived in a secure facility.
Access to your personal information is limited to those individuals or entities who require your information to perform a specific task or function.
Your personal information is only retained for as long as necessary to fulfil the purpose/s for which it was collected, unless we are required to retain the information for a certain period of time under an Australian law or court or tribunal order. Once no longer required, we take such steps as are reasonable in the circumstances to destroy or permanently de-identify your personal information.
Use of Personal Information
We use the personal information we have collected about you in order to:
1 – perform administrative and operational functions associated with providing you with access to our services and the products we promote;
2 – contact you to provide you with information about our services and the products we promote;
3 – contact you to conduct product and market research, surveys and other promotions; and
4 – comply with our legal obligations.
Each time we collect personal information from you we will explain to you:
– why we are collecting the information;
– how we intend to use it;
– whether we are likely to disclose your personal information to overseas recipients;
– the consequences if the personal information is not collected;
– how you may access and correct your personal information;
– how you can opt-out of having your personal information used (if appropriate); and
– how you can make a complaint about a privacy breach.
What Happens If You Choose Not To Provide The Information?
You do not have to give us your personal information. However, if you choose not to, we may not be able to provide you with information or access to our services or the products we promote.
Disclosure of Personal Information
We will not disclose information we collect about you to any third parties without your prior consent. Similarly, we will not sell any information we collect about you.
However, we may disclose personal information for the purpose specified to you at the time of collection or for other purposes if:
1 – you would reasonably expect us to disclose such information for that purpose;
2 – that purpose is related to the purpose specified to you at the time of collection, or;
3 – where we are permitted or required by law, or it is in the interests of public safety to do so.
For instance, we may disclose your personal information to:
– entities related to us that are part of our group of companies;
– service providers and contractors who are engaged to provide services to us and our group of companies;
– any third parties authorised by you to receive information held by us; and
– government, regulatory and law enforcement agencies as required, authorised or permitted by law.
Tax File Number
If you disclose your tax file number (TFN) to us, you authorise us, our related companies and our service providers and contractors, to store and use your TFN as authorised by law.
We use your TFN to establish and administer your account with Verve Super, to contact the ATO and other superannuation entities to find out if you have other super monies, to meet any requirements set by the ATO or other regulatory authorities, and for any other lawful superannuation purpose.
All information supplied to us is used and stored in accordance with this policy.
Due to the sensitivity of TFNs and the legal restraints on their use and disclosure, if you lose or forget your TFN, we will not be able to provide it to you. You will have to ask the ATO for a copy of it.
Some of our communications service providers are located outside of Australia, meaning your personal information may be disclosed to a recipient in other countries.
In addition, anonymised web traffic information is disclosed to third party analytics platforms when you visit our websites (who may store the information across multiple countries) and when you communicate with us through our social media applications, where the provider and its partners may collect and hold your personal information overseas.
We will not disclose your personal information to overseas recipients unless and until we have taken reasonable steps to ensure that the overseas recipient will handle your personal information in a manner consistent with the APPs, or you have consented to the transfer of the information.
Contact With You
If you provide us with your telephone number and email address, you agree and accept that Verve, or an agent or a related entity, may contact you via telephone, SMS or email. We will do this to facilitate action on your account, to confirm information, to gauge customer experience or for any other reasonable or marketing purpose. If you do not want this to happen, please email firstname.lastname@example.org.
We may use your personal information to contact you with new information or offers for products or services from us and our partners. Your personal information will never be added to a general marketing database. We do not sell, rent or trade your personal information to or with third parties for the purpose of allowing them to send marketing material directly to you.
If you don’t wish to receive marketing material, you may opt out by contacting us by email at email@example.com.
Privacy on the Internet
The Internet is not a secure environment. If you use the Internet to send us personal information you do so at your own risk.
Our website uses the Google AdWords remarketing service and similar services from other providers to advertise on third party websites (including Google) to previous visitors to our site. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network, or other sites. Third-party vendors, including Google, may serve ads based on someone’s past visits our website.
Links to Other Websites
You may be able to access external websites, apps or platforms operated by third parties by clicking on links provided on our website. These links are provided for convenience and may not remain current or be maintained. In addition, these websites, apps and platforms aren’t subject to our privacy standards and procedures.
Social Media Applications
Whilst we may use social networking platforms for communications, we won’t ask you to supply personal information publicly over these platforms. Sometimes we’ll invite you to send your details to us via direct message, for example, if you have made a complaint via social media and we need to know how to contact you.
Any personal information that you contribute to the publicly accessible sections of social media applications can be read, collected and used by other users of the application. We have little or no control over these other users and cannot guarantee that any information that you contribute to any social media applications will be handled in accordance with our privacy standards.
We may analyse customer information we hold against information we are permitted to use from external sources such as statistical data. Generally, this information is based on aggregated data that doesn’t contain information that identifies individuals.
You can Access and Correct Information
We take all reasonable steps to ensure that the personal information which we collect, use or disclose is accurate, complete and up to date.
If you think that the personal information that we hold about you is incorrect, please contact our Privacy Officer on 1300 799 482 or firstname.lastname@example.org. You can also request that certain personal information we hold about you be deleted.
We reserve our right to refuse your request for access to, or correction or deletion of, your personal information if, for example, we consider your request to be frivolous or vexatious, or if we are legally entitled to do so. If we refuse your request, we will give you our reasons in writing and information about how to make a complaint about the refusal.
When You Contact Us
We must be certain of your identity before we can discuss specific account details with you. If you contact us to discuss your account, you must be able to prove your identity. This ensures that we are able to protect your personal information by only giving it to you or someone who can prove that they are lawfully authorised to act on your behalf.
If you have a general enquiry that does not involve discussing your personal information, you do not have to provide identification. In these situations, you will be able to deal with us without identifying yourself.
We are required by the
Our notification to you will be sent as soon as practicable and will contain:
– a description of the data breach;
– the kinds of information concerned; and
– the steps we have or will take to rectify the data breach; and
– recommendations about the steps you should take in response to the data breach.
If you are dissatisfied or have a complaint about our privacy practices, we encourage you to contact us to tell us about your complaint
The Complaints Officer
Post: PO Box 909, Byron Bay NSW 2481
Phone: 1300 799 482
We’ll acknowledge your complaint within one business day of its receipt.
Your complaint will be investigated, and action will be initiated to address the matter. The Complaints Officer will write to inform your of the results of the investigation and the proposed resolution, no later than 45 calendar days after receiving your complaint (unless the complaint relates to a death benefit distribution, in which case the Complaints Officer will respond no later than 90 calendar days after the expiry of the 28 calendar day period for objecting to a proposed death benefit distribution).
If you’re not satisfied with our response or you have not received a response within the required timeframe, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA), an independent dispute resolution service established by the Government.
Australian Financial Complaints Authority
GPO Box 3 MELBOURNE VIC 3001
Phone: 1800 931 678
Complaints may be submitted by both current and former members of Verve Super, or their beneficiaries, and will largely be dealt with by correspondence. AFCA can deal with complaints that relate to a decision or a failure to make a decision by a trustee or a person acting for a trustee, in relation to a particular individual. AFCA cannot deal with certain complaints, for example, complaints about the management of a superannuation fund as a whole. Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. Complainants are encouraged to pursue internal dispute resolution before making a complaint to AFCA.
More Information About Your Privacy Rights
If you would like more information about your privacy rights, you can contact the Office of the Australian Information Commissioner (OAIC).
Attention: Director of Compliance (Investigations)
Office of the Australian Information Commissioner
Post: GPO Box 5218 Sydney NSW 2001
Telephone: 1300 363 992
Updating Our Privacy Statement
We may revise or update our privacy statement occasionally by posting it on our website. The current version at the time we collect or use your personal information is the version that will apply.