Privacy Policy

At Intergen Advisory Pty Ltd we are committed to protecting your privacy in accordance with and in compliance with the Privacy Act 1998 (Cth) and the Australian Privacy Principles (APP). Intergen Advisory Pty Ltd, its officers, Representatives and employees are required to obtain and hold information which personally identifies the persons with whom they transact.

This document describes our current policies and practices in relation to the handling and use of personal information.

Members of our Group

Intergen Advisory Pty Ltd ABN 94 688 941 746 (Holds an Australian Financial Services Licence 700082 and provides financial planning services to wholesale and retail clients).

Including our Corporate Authorised Representatives, Authorised Representatives and employees of the Corporate Authorised Representatives.

What information do we collect and how do we use it?

When we advise you about your financial affairs, we ask you for the information we need to understand your financial situation and needs and objectives over the phone, through our website, face to face or by an application form. Information we request may include but are not limited to contact details, Information about your assets, liabilities, income, insurance and investments. We may also collect ‘sensitive information’ from time to time but only to help us provide our service to you.

We will disclose any information that the fund managers or insurers whom we deal with on your behalf need to implement your investment and insurance strategies. We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, e.g. further investments, and our relationship with you such as invoicing, client surveys etc.

We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on investment and insurance matters. If you would rather not receive this information, please email or write to us. We may use your information internally to help us improve our services and help resolve any problems.

In some circumstances, we may collect government identifiers such as your tax file number. We will not provide this information to external providers except as required by law or as is necessary to provide our financial service to you. You are permitted to decline the provision of this information but it may result in tax being withheld or have other consequences.

You have the right to deal with us anonymously to the extent permitted by law and if it is practical to do so.

If we receive unsolicited personal information, it will be destroyed and deidentified as soon as practicable, if it is lawful.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements. We hold the information we collect from you in your client files and /or electronically for a period of 7 years.

If you cease to be associated with us we will maintain your information in a secure manner for 7 years. Your information will only be provided to authorised personnel who adopt and adhere to our Privacy Policy. We will take reasonable steps to ensure that electronically held information will be password protected and hard copy information will be held in a locked cabinet or similar.

How do we protect your personal information?

We strive to ensure that the personal information that you provide to us is stored safely and securely. We take precautions to protect the personal information we hold about you from misuse, interference and loss, and from unauthorised access, modification or disclosure.

We have a range of practices and policies in place to protect personal information we hold, including:

• Educating our staff and representatives about how to protect your personal information and updating them about cybersecurity developments, threats and scams
• Secure passwords
• Use of Multi-Factor Authentication (MFA)
• Using secure client portals and/or password protection
• Strict confidentiality arrangements restricting third parties’ use or disclose of personal information for any unauthorised purposes.
• Data and cyber security assessments of third-party providers and systems
• Employing firewalls, intrusion prevention systems web/email filtering and antivirus/antimalware tools
• a Cybersecurity Policy, Cyber Incident Response Plan, Data Breach Response Plan

We require our representatives to protect your personal information by adhering to a range of cybersecurity measures. Where personal information is no longer required, we take steps to de-identify or destroy the information in a secure manner.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others. We may need to provide your information including but not limited to our professional advisers, external dispute resolution schemes, platforms, accountants, regulators (ASIC, ATO, AUSTRAC, etc) and contractors who supply services to us, e.g. to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits. We may pass on your information to any of our Corporate Authorised Representatives or Authorised Representatives in order to provide further financial services and products relevant to you.

Will your information be disclosed overseas?

We will not send personal information to recipients outside of Australia unless:

• we have taken reasonable steps to ensure that the recipient does not breach the Act and the APPs
• the recipient is subject to an information privacy scheme similar to the Privacy Act, or
• the individual has consented to the disclosure

If you consent to your personal information being disclosed to an overseas recipient, and the recipient breaches the APPs, we will not be accountable for that breach under the Privacy Act, and you will not be able to seek redress under the Privacy Act.

Some of the entities we share information with may be located in, or have operations in, other countries. The current list of countries to which your personal information could be sent is set out below:

• Administration, research and other administrative tasks: Philippines
• Sending or receiving superannuation benefits overseas: England, New Zealand.

Any overseas disclosure does not affect our commitment to safeguarding personal information we collect, and we will take reasonable steps to ensure overseas recipients comply with the Australian Privacy Principles.

Do we use Artificial Intelligence (AI)?

We use AI tools to assist for certain tasks excluding advice generation. Where AI is used, all personal information is de-identified prior to processing so that it cannot reasonably be used to identify an individual. These tools operate under strict internal privacy and security protocols, and all AI use complies with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and relevant regulatory guidance.

Recording meetings

We may record client meetings, including phone calls, video conferences, and in-person meetings, to ensure the accuracy of our records, maintain the quality of our advice, meet compliance and audit obligations, and support staff training and supervision. Recordings are stored securely and are only accessible to authorised personnel. You may request that a meeting not be recorded or withdraw your consent to recording at any time. Where a meeting is not recorded, we will instead prepare detailed written file notes.

What if you don’t provide some information to us?

We can only fully advise you if we have all relevant information. Providing complete and accurate information allows us to provide a service that is adequate and appropriate.

How can you check, update or change the information we are holding?

We do not charge for receiving a request for access to personal information or for complying with a correction request. If the provision of information incurs a charge you will be notified in writing prior to any information being provided. If Intergen Advisory refuses access to information an explanation will be provided in writing.

Your consent

By asking us to assist with your investment and insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Tell us what you think

We welcome your questions and comments about privacy. Any feedback will be read and considered by the Privacy Officer. Complaints should be made in writing to us and we will respond within 30 days. If you have any concerns or complaints, please contact:

If you are still not satisfied with the response received from us, you may escalate the complaint to the Office of the Australian Information Commissioner by submitting an online complaint at oaic.gov.au/privacy/privacy-complaints/