Commitment to Privacy and Responsible Use of Information

This privacy policy applies to information collected by Capital Securities (Aust) Pty Ltd (“CSA”) and the CSA Group of companies.

At CSA, we understand your concerns about privacy and security of personal information. We are committed to protecting all personal information about you that we hold. This privacy policy describes how we manage your personal information and safeguard your privacy.

The National Privacy Principles

The National Privacy Principles ("NPPs") strengthen protection of your privacy. CSA is bound by, and will abide by the National Privacy Principles in the Privacy Act (Cth) 1988 ("Privacy Act").

Information collected

We only collect personal information that is necessary for us to perform our functions. The kinds of personal information we collect and hold will depend upon the type of products and services you request from us. However, it may include:

• Information you give us when you request a product or service from us. This information will include your name, address and contact details
• Financial information about you such as your financial position and information obtained from credit checks (but only if you have authorised us to carry out those checks)
• Communications between us and your adviser
• If you have or had a product with us, transactional information about the use of that product
• In a limited number of circumstances (such as in some superannuation products) your personal health information

Use of our web site

We will collect some information from you when you use our website. Your use of the facilities and services available through the website will determine the amount and type of information which we collect about you. Some of this information will not be personal information because it will not reveal your identity.

The only personal information which we collect about you when you use the website is what you tell us about yourself; for example, by completing an online form such as an application form or asking for a disclosure document for our products or by sending us an email. We will record your email address if you send us an email.

When you register for access to our website and online services, the information collected is compared with the details we already have stored, such as your name, date of birth and login identification, which we have previously collected from you so we can verify that you are the person seeking access to your personal information. If you do not provide the information requested, you will not be able to access the online services.

When you visit our website, our server places small pieces of data known as 'cookies' on your hard drive. Cookies are pieces of information that are transferred to your computer when you visit a website for record-keeping purposes. Most Web browsers are set to accept cookies. However, if you do not wish to receive any cookies you may set your Web browser to refuse cookies. We use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us to know what our customers find interesting and useful in our website. We do not link this information back to other information that you have provided to us.

Web site security

Whenever personal information is sent via our web site we use high security levels to protect it. These security levels are standard for internet banking and involve the use of 128-bit encryption. You can check the security level of a web page by clicking on your internet browser's padlock or key icon. Encryption is the standard way of protecting your information as it is transmitted between you and us. This involves converting the information into an unreadable code using a "key" (and also de-coding it using this "key"). The longer the key, the more difficult it is for others to break the encrypted code.

Web site advertisements

We use a third-party technology to place our advertisements on other web sites. This technology will install a cookie on your computer when you view our ad. These cookies will not contain any information that personally identifies you (such as your name or e-mail address) but they will contain a randomly generated number that is unique to your browser and can be recognised by a "web beacon" (transparent GIF file) on our site if you click through to our site from one of our ads. This allows us to keep track of how many unique visitors we have to our site and from what ads they entered, so that we can measure the effectiveness of our ads and ad placements. The privacy policies of the web sites on which we advertise, and through which the cookies are installed should inform you about the cookie, and you may of course set your browser to reject cookies. To learn more about the third-party ad-serving technology that we use, cookies, and how to "opt-out," please view the privacy policies of the relevant service providers listed.

Using and Disclosing Your Personal Information

Any personal information that we collect about you will be used by us:

• To assess your applications for products or services that we may provide
• To provide you with the products or services
• We may also use your personal information to help us develop other products and services and to provide you with information about other products and services offered or distributed by us or the CSA Group of companies.

Contracting out services and disclosures

In providing and managing our products and services, we may also disclose your information to companies within the CSA Group of companies so that they can tell you about products and services offered by them. Furthermore, we may contract with other external businesses and may disclose personal information to them in the process. These organisations provide services to CSA and may need access to the personal information we hold in order to enable them to perform those services. We require these companies to adhere to our strict confidentiality requirements for handling personal information and also seek to ensure that they adhere to the National Privacy Principles. For more information about our disclosures of personal information, you will need to refer to the Privacy Notices that we provide to applicants for each of our products.

Your access to your personal information

You have a right to gain access to personal information that we hold about you. Should you require such access, please contact us and we will handle requests for access to your personal information in accordance with the NPPs.

Changes to our privacy policy

From time to time our privacy statement may change. We may notify you about changes to our privacy statement by posting an updated version on our website.

Contacting us

If you would like more information about how we manage your personal information, or you have any questions, or wish to complain about a breach of your privacy, please contact us as set out below.

Compliance Officer
Capital Securities (Aust) Pty Ltd
210 – 214 Lower Heidelberg Road
East Ivanhoe Vic 3079

Phone: 1300 762 003
Facsimile: (03) 9490 1098
Email: service@capitalsecurities.net