1. We Respect Your Privacy

(a) Princeton Financial Services Pty Ltd (ACN 160 484 551) (we, us, or our) respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (Privacy Act). This Policy sets out how we collect, use, disclose and protect your personal information.

(b) “Personal information” is information we hold which is identifiable as being about you, such as your name, email, address, telephone number, bank account details, payment information, and more. If the information about you cannot be identified as being related to you (for example, where we have aggregated and anonymised your personal information), this Policy does not apply.

2. Collection of Personal Information

(a) We only collect personal information by lawful and fair means, which is reasonably necessary for the provision of our services, when you provide it to us (whether it be electronically or in person) or when you use our website. This can be categorised as:

  (i) information you provide directly – You may provide basic information such as your name, phone number, address, and email address to enable us to send information, provide updates, and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, change your content or email preference, respond to surveys and/or promotions, provide financial or credit card information, or communicate with our customer support;

(ii) information we collect automatically – When you come to our website (https://princetonfs.au) we may collect certain information such as your browser type, operating system, or the website you visited immediately before coming to our website. This information is used in an aggregated manner to analyse how people use our website, such that we can improve our service. We may also from time to time use cookies on our website. Cookies are very small files that a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyse website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third-party services such as Google Adwords. These ads may appear on our website or other websites you visit; and

  (iii) information we receive from third parties – Our website may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third-party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects identifiable personal information. Where we receive information from third parties, we will protect it as set out in this Policy.

3. Use of Your Personal Information

(a) We may use personal information collected from you to provide you with information, updates, and our services. We may also make you aware of new and additional products, services, and opportunities available to you. We may use your personal information to improve our products and services and better understand your needs.

(b) We may contact you by a variety of measures, including but not limited to telephone, email, SMS, or mail.

4. Disclosure of Your Personal Information

(a) We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers, or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information is supplied to a third party only when it is required for the delivery of our services.

(b) We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding, or in response to a law enforcement agency request.

(c) We may also use your personal information to protect the copyright, trademarks, legal rights, property, or safety of Princeton Financial Services Pty Ltd, our website (https://princetonfs.au), our customers, or third parties.

5. Data Transfers

(a) Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia.

(b) If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.

(c) By providing us with personal information, you consent to the terms of this Policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Policy regarding handling your personal information.

(d) We ensure that appropriate safeguards are in place to protect your personal data when it is transferred outside your country, either through adequate protection mechanisms or compliance with the European Commission’s Standard Contractual Clauses (for data transfers between EU and non-EU countries).

6. Security of Your Personal Information

(a) We are committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss, and unauthorised access, modification, and disclosure.

(b) The transmission and exchange of information are carried out at your own risk. We cannot guarantee the security of any information that you transmit to us or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that personal information that we collect will not be disclosed in a manner that is inconsistent with this Policy.

(c) Where information is no longer required to be held or retained by us for any purpose or legal obligation, we will take all reasonable steps to destroy or de-identify the information accordingly.

7. Access to Your Personal Information

(a) You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act. A small administrative fee may be payable for the provision of information. If you would like a copy of the information that we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant, or misleading, please email us at [email protected].

(b) We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.

8. Unsolicited Personal Information

(a) If we receive personal information about an individual which is unsolicited by us and not required for the provision of our services, we will destroy the information (to the extent it is lawful and reasonable for us to do so).

9. Complaints About Privacy

(a) If you have any questions, concerns, requests or complaints in connection with this Policy or our privacy practices, please contact us at:

(i) Address: Princeton Financial Services Pty Ltd, Level 2, 17 Castlereagh Street, Sydney NSW 2000, Australia

(ii) Email: [email protected]

(b) We take complaints very seriously and will respond shortly after receiving written notice of your complaint.

10. Changes to this Policy

(a) Please be aware that we may change this Policy in the future. We may modify this Policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review this Policy.