General Advice Disclaimer

This website has been prepared for the general information of investors and does not take into account the investment objectives, financial situation and particular needs of any particular person. Visitors to this website should seek professional advice to confirm that the investments or strategies mentioned are appropriate in the light of their particular investment needs, objectives and financial circumstances prior to acting upon any information contained in the document.

While reasonable care has been exercised and the statements contained herein are based on information believed to be accurate and reliable, neither Core Advisor Group Pty Ltd nor its directors, employees, agents or Authorised Representatives shall be liable (unless otherwise required by law) for any loss or damage suffered or caused to any person or corporation resulting from or contributed to by any error or omission from such statements including any loss or damage caused by any fault or negligence on the part of Core Advisor Group Pty Ltd or otherwise".

Disclosure of Fees

In accordance with our responsibilities under the Corporations Act, Core Advisor Group Pty Ltd and its Authorised Representatives declare that they may earn brokerage or commission from dealing in any of the products discussed in this Website and may hold interests therein. A complete listing of brokerage applicable to your policy or portfolio will be included in your Statement of Advice.

Terms and Conditions Apply

In providing you with a recommendation to invest in particular investments or policies, we have provided research summaries. This does not replace the need to read the actual product disclosure document relevant to each recommendation and accordingly we enclose a copy of each for you.

Where this Website contains information about a particular financial product, you should ensure you obtain a Product Disclosure Statement in respect of that product prior to making any decision to acquire that product.

The advice contained within this website is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You must therefore assess whether it is appropriate, in the light of your own individual objectives, financial situation or needs, to act upon this advice.
You should seek professional advice prior to cancelling any existing policies.

Privacy Statement

At Core Advisor Group Pty Ltd we recognise the importance of protecting your privacy. Our policy for dealing with personal information you might disclose to us is explained below.

The types of personal information we collect from you depends on how you correspond with us. Any information we receive about you will be treated as strictly confidential.

What we collect and why we need it

In accordance with the Corporations Act, we are required to collect certain information from our clients. The information is necessary to ensure we give you advice that is appropriate to your needs and circumstances. If you fail to provide us with necessary information to ascertain your needs and personal circumstances, it may be appropriate for us to discontinue providing you with financial advice.

We will only collect personal information about you where you have knowingly provided us with the information or you have authorised a third party to provide that information to us.

Generally, your information will be collected in face to face interviews, over the telephone or via electronic means. From time to time additional or updated information may be collected through one or more of these methods.

The information we collect, use and maintain is necessary for us to adequately provide you the services you have requested. These services may include:

The preparation of your financial plan;
The provision of financial planning advice to you;
Making securities and investment recommendations;
Reviewing your financial plan;
Reviewing securities and investment recommendations;
Other activities as directed by you.

The information may also potentially be used for the purposes of direct marketing where we believe the articles and information may be of interest to you. If you do not wish to receive such information, please inform us and we will amend your details accordingly. Please allow us two (2) weeks for your request to be actioned.

Disclosure of information collected

We will not use or disclose personal information collected by us for any purpose other than the following:

The purposes for which it was provided or secondary related purposes in circumstances where you would reasonably expect such use or disclosure;

Where you have consented to such disclosure; or
Where the National Privacy Principals (NPP’s) authorise use or disclosure where required or authorised under law;
Disclosure to other entities for the purpose of giving effect to your instructions and/or our recommendations (such as to Superannuation Funds);
Your information may be disclosed to compliance bodies, such as the Australian Securities and Investment Commission;
We may disclose your information for the purpose of prospective buyers conducting due diligence investigations on our company. In such a case, the disclosure will be made in the strictest confidence and it will be a condition of disclosure that no personal information is disclosed or used by them; or
If the company is sold, your personal information may be transferred to any new owner. As a client, you would be informed of any such transfer.

Security of your personal information

In general, your personal information is held in your client file. This could be recorded on paper only or electronically only or a combination of paper records and electronic records.

Regardless of the form of your record, we will at all times seek to ensure that any personal information collected and held by us is protected from misuse, loss, unauthorised access modification or disclosure. At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential.

In the event that our professional relationship ceases, any personal information we hold about you will be securely maintained for a period of not less than seven (7) years in order to comply with legislative and professional requirements imposed on us. After this time, your records containing your personal information will be destroyed.

E-mail correspondence

We will preserve the contents of any e-mail message that you send us if we believe that we have a requirement to do so. E-mails sent to or from Core Advisor Group Pty Ltd may be monitored for systems administration and legal compliance purposes.

Gaining access to our information on you

We will, on request, provide you with access to any information that we have collected about you. To gain access to this information you should contact us at advice@coreadvisor.com.au or telephone 07 3031 0000.

What to do if you believe the information we hold about you is inaccurate

It is important to us that the information we hold about you is up to date and accurate. Accordingly, we encourage you to contact us to advise us of any change in your personal circumstances that may effect the information we hold about you. If at any time you believe that any information we hold about you is inaccurate or out of date, please contact us and we will review and correct the relevant information.

Complaints in relation to privacy

If you believe your privacy has been compromised, please contact us immediately. We will respond to all complaints within two (2) days and aim to have them resolved within ten (10) days. Where this is not possible, you will be contacted and advised when it is likely your complaint will resolved.
Additionally, you are entitled to contact the Privacy Commissioner if you believe there has been an interference with your privacy. The Office of the Federal Privacy Commissioner can be contacted on 1300 363 992 or privacy@privacy.com.au.

How to contact us

If you wish to discuss any aspect of our policy further, or you wish to make a complaint, please contact us at advice@coreadvisor.com.au or telephone 07 3031 0000.