Privacy Policy

Introduction

bright-fabric ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Fill out contact forms or service request forms
• Schedule consultations or meetings
• Engage our retirement planning services
• Subscribe to newsletters or communications
• Contact us via email or other means

This information may include:

• Name and contact details (email, address)
• Age and employment information
• Financial information (super balance, assets, income)
• Identification documents (as required by law)
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behavior, including:

• IP address and browser type
• Pages visited and time spent on pages
• Referring website addresses
• Device information and operating system

How We Use Your Information

We use the information we collect to:

• Provide retirement planning services and consultations
• Communicate with you about your requests and our services
• Improve our website and service offerings
• Comply with legal and regulatory requirements
• Protect against fraud and unauthorized activity
• Send administrative information and service updates

Disclosure of Your Information

We may share your information in the following circumstances:

• Service Providers: With third parties who perform services on our behalf (e.g., IT support, legal advisors)
• Legal Obligations: When required by law or to protect our rights and safety
• Professional Partners: With your consent, to solicitors, accountants, or other professionals involved in your retirement planning
• Business Transfers: In connection with any merger, sale, or transfer of our business

We do not sell your personal information to third parties.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. As a financial services provider, we are required to retain certain records for a minimum of seven years.

Your Privacy Rights

Under Australian privacy law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications
• Lodge a complaint with the Office of the Australian Information Commissioner

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. You can control cookies through your browser settings. For more information, see our Cookies Policy.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

Email: [email protected]
Address: Level 12, 180 Lonsdale Street, Melbourne VIC 3000, Australia

Compliance

This Privacy Policy complies with the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). As a holder of an Australian Financial Services Licence, we also comply with the privacy obligations under the Corporations Act 2001.