Privacy Policy

  1. Introduction

Co-Advisor (“we”, “us”, “our”) is committed to protecting the privacy and security of personal information in accordance with Australian privacy law, including the Privacy Act 1988 (Cth) and its Australian Privacy Principles (APPs). This policy explains how we collect, manage, use, disclose, secure, and store personal information when you access or use our Services in Australia (including NSW).

By using our Services, you consent to the practices described in this Privacy Policy.

 

  1. About Us

Legal Entity Name: Co-Advisor Pty Ltd
Contact Number: 0473 777 700
ABN: 62 693 764 779.

This section ensures individuals know who is responsible for their personal information and how they can contact you.

 

  1. What Information We Collect

3.1 Personal Information

We may collect personal information that reasonably identifies you, such as:

  • Name, email, phone number
  • Address or location data
  • Login and account credentials
  • Billing and payment details
  • Professional or business information
  • Support communications


3.2 Usage and Technical Data

Automatically collected data may include:

  • IP address, device and browser information
  • Pages accessed and interaction logs
  • Cookies, analytics and tracking data


3.3 Sensitive Information (if applicable)

If you provide sensitive information (e.g., health data), we will collect and use it only with your express consent or as permitted by law.

We explain why we collect each type of information, and when we collect it.

 

  1. How We Collect Personal Information

We collect information:

  • Directly from you when you sign up, use features, or communicate with us
  • Automatically via cookies and analytics tools
  • From third-party service providers (e.g., identity verification, payment processors)

We do not collect more personal information than is reasonably necessary for our functions and activities.

 

  1. Purposes of Collection and Use

We use personal information to:

  • Provide and operate the Services
  • Personalise your user experience
  • Process payments and subscriptions
  • Respond to requests and support inquiries
  • Improve, maintain and secure our Services
  • Comply with legal obligations (e.g., tax, security)

We will only use personal information for purposes disclosed at collection or reasonably related to those purposes.

 

  1. Disclosure to Third Parties

We may disclose personal information to:

  • Service Providers: Hosting, analytics, email, CRM, payment processors
  • Professional Advisors: Legal, accounting, auditors
  • Law Enforcement or Regulators: If required by law

We require third parties to implement safeguards consistent with Australian privacy standards.

 

  1. Cross-Border Disclosure

Some of our service providers or systems may be hosted or operate outside Australia (e.g., cloud infrastructure). We may disclose personal information overseas with safeguards (e.g., contractual protections, user consent).

 

  1. Cookies and Tracking Technologies

We use cookies and similar technologies to operate our Services, analyse performance, and tailor content. You can manage your cookie preferences through your browser settings or consent tools.

 

  1. Data Security and Retention

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure, including:

  • Secure servers and encrypted transmissions
  • Access controls and internal training
  • Retention only as long as necessary for legitimate business or legal purposes

However, no system is completely secure, and absolute protection cannot be guaranteed.

 

  1. Access, Correction and Rights

You have the right to:

  • Access personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Withdraw consent where processing is based on consent
  • Opt-out of direct marketing

To exercise these rights, contact us using the details in Section 2. We may ask you to verify your identity before acting on requests.

 

  1. Complaints Handling

If you have a privacy concern, please contact us. We will investigate and attempt to resolve it promptly.

If you remain dissatisfied, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

 

  1. Children and Minors

Our Services are not intended for individuals under 18. We do not knowingly collect personal information from minors without parental consent.

 

  1. Changes to This Policy

We may update this Privacy Policy. The Last Updated date at the top reflects the latest revision. Significant changes will be communicated via our Services or email before they take effect.

 

  1. NSW-Specific Considerations

Even if your platform operates nationally, NSW also has privacy protections under state law (e.g., the Privacy and Personal Information Protection Act 1998), which apply mainly to government agencies but reflect local definitions and expectations for handling personal information.