Privacy Policy Be Proactive Finance | beproactivefinance.com.au Last updated: March 2026
Be Proactive Finance (‘we’, ‘us’, ‘our’) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, store, disclose, and manage your personal information.
By using our website or engaging our services, you consent to the collection and use of your personal information in accordance with this policy.
1. Who We Are
Be Proactive Finance is a financial services business operating in Australia. We provide financial advice, planning, and related services to individuals and businesses. Our website is located at beproactivefinance.com.au.
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us using the details provided in Section 12.
2. What Personal Information We Collect
2.1 Information You Provide
We may collect the following personal information:
- Full name, date of birth, and contact details (email address, phone number, postal address)
- Financial information including income, assets, liabilities, and superannuation details
- Employment and business information
- Government-issued identifiers such as Tax File Numbers (TFNs) where required by law
- Information provided through enquiry forms, emails, or telephone calls
- Any other information you voluntarily provide to us
2.2 Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and browser type
- Pages visited, time spent on pages, and links clicked
- Device and operating system information
- Referring website or source
This information is collected through cookies and similar tracking technologies. You can disable cookies via your browser settings, though this may affect website functionality.
3. How We Collect Your Information
We collect personal information in a number of ways, including:
- Directly from you when you contact us, complete a form, or engage our services
- Through your use of our website (automatically via cookies and analytics tools)
- From third parties such as referral partners, financial institutions, or credit reporting bodies where permitted by law
- From publicly available sources where relevant to providing our services
We will only collect personal information by lawful and fair means, and where it is reasonably necessary for our functions and activities.
4. Why We Collect and Use Your Information
We collect and use your personal information to:
- Provide, manage, and improve the financial services we offer you
- Respond to your enquiries and communicate with you
- Comply with our legal and regulatory obligations (including obligations under financial services laws)
- Verify your identity
- Process applications, referrals, or instructions
- Send you relevant updates, newsletters, or service-related communications (you may opt out at any time)
- Analyse website usage and improve user experience
- Protect against fraud, unauthorised transactions, and other liabilities
We will not use your personal information for any purpose unrelated to our services without your consent.
5. Disclosure of Your Personal Information
We may disclose your personal information to:
- Our employees, contractors, and professional advisers who need access to perform their duties
- Financial institutions, lenders, or product providers in connection with the services we deliver
- Regulatory bodies and government agencies where required by law
- Third-party service providers such as IT systems, cloud hosting, or analytics platforms (who are bound by confidentiality obligations)
- Referral partners or introducers, where relevant to your engagement with us
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
5.1 Overseas Disclosure
Some of our third-party service providers may be located overseas (for example, cloud storage or software platforms). Where we disclose your information to overseas recipients, we take reasonable steps to ensure those parties handle your information in a manner consistent with the APPs. By using our services, you consent to such disclosure where it occurs.
6. Sensitive Information
We only collect sensitive information (such as health information or government identifiers including Tax File Numbers) where it is reasonably necessary, required by law, or where you have consented to its collection. Sensitive information is handled with additional care and is not used or disclosed unless permitted by the Privacy Act 1988 (Cth).
7. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our security measures include:
- Secure servers and encrypted data storage
- Access controls and password protection on internal systems
- Staff training on privacy obligations
- Regular review of our data security practices
While we take all reasonable precautions, no method of electronic transmission or storage is 100% secure. You provide your information at your own risk. If you suspect a data breach has occurred, please contact us immediately.
8. Data Retention
We retain personal information for as long as it is necessary for the purposes it was collected, or as required by law. Financial services records may be required to be retained for a minimum of seven (7) years under applicable legislation. When information is no longer needed, we securely destroy or de-identify it.
9. Your Rights — Access and Correction
Under the Australian Privacy Principles, you have the right to:
- Request access to the personal information we hold about you
- Request that we correct any inaccurate, incomplete, or out-of-date personal information
- Request that we delete your personal information (subject to our legal obligations to retain certain records)
- Opt out of direct marketing communications at any time
To exercise any of these rights, please contact us using the details in Section 12. We will respond within 30 days. We may need to verify your identity before providing access or making corrections.
10. Cookies and Website Analytics
Our website uses cookies to enhance user experience and collect analytics data. Cookies are small text files placed on your device by your browser. We may use:
- Session cookies (deleted when you close your browser)
- Persistent cookies (remain until manually deleted or they expire)
- Third-party cookies (such as Google Analytics) to track website usage
You can manage or disable cookies through your browser settings. Disabling cookies may limit some features of our website.
11. Links to Third-Party Website
Our website may contain links to external websites operated by third parties. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies directly.
12. Contact Us
For any privacy-related enquiries, to access or correct your personal information, or to make a complaint, please contact us:
Be Proactive Finance Website: beproactivefinance.com.au Email: info@beproactive.com.au Phone: 1300 876 177
13. Complaints
If you believe we have breached your privacy, please contact us in the first instance so we can attempt to resolve your concern. We will respond within 30 days.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):
- Website: www.oaic.gov.au
- Phone: 1300 363 992
- Post: GPO Box 5218, Sydney NSW 2001
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The updated policy will be posted on our website with a revised ‘Last Updated’ date. We encourage you to review this policy periodically.
This Privacy Policy was prepared in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).