Finwell Group Pty Ltd and its affiliated Group of companies (“Finwell Group”) value your trust in us to provide you with financial solutions and help you to build wealth for your future. The group offers services in the following areas: investor education, property advisory, financial planning and mortgage solutions. We hold an Australian Financial Services Licence (AFSL 385827), a full Real Estate Licence in Victoria (Licence No 082278L & No 82277L) and hold and share data in strict compliance with these Licence obligations.
Members of the Finwell Group include:
This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.
The types of information that we collect and hold about you could include:
When the law authorises or requires us to collect information
We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.
What do we collect via your website activity?
If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you.
If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed.
We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum.
To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.
How we collect and hold your information
Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.
How we collect your information from other sources
What if you don’t want to provide us with your personal information?
If you don’t provide your information to us, it may not be possible:
How we collect and hold your credit information
We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are:
However we’ll never ask you for your security details in this way – if you are ever unsure, just contact us
What do we do when we get information we didn’t ask for?
Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it.
When will we notify you that we have received your information?
When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint.
Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
How do we take care of your personal information?
We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are:
What happens when we no longer need your information?
We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.
What are the main reasons we collect, hold and use your information?
Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:
Can we use your information for marketing our products and services?
We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you.
We will always let you know that you can opt out from receiving marketing offers.
With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation.
Yes, You Can Opt-Out
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
What are the other ways we use your information?
We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:
To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information.
Sharing Your Information
We may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and referees
We may share your information with:
Sharing with third parties
We may share your information with third parties in relation to services we provide to you. Those third parties may include:
Sharing outside of Australia
We are not likely to disclose your information to organisations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.
How you can generally access your information
We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first.
We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:
If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.
How we correct your information
Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:
If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can – if we can’t, then we’ll let you know in writing.
If you ask us to correct credit information, we will help you with this in the following way.
Helping you manage corrections
Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake.
Where we correct information
If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing.
Where we can’t correct information
If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner.
Time frame for correcting information
If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you.
If we can’t make corrections within a 30 day time frame or the agreed time frame, we must:
How do you generally make a complaint?
If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.
You can contact us by using the details below
Adam Carmody – 0415 950 597
We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.
Need more help?
If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:
If your complaint relates to how we handled your access and correction requests
You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first.
For all other complaints relating to credit information
If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days.
Ask for more time if we can’t fix things in 30 days
If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
Letting you know about our decision
We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.
You can contact us by using the details below:
Adam Carmody – 0415 950 597
What if you want to interact with us anonymously or use a pseudonym?
If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when:
What do we do with government-related identifiers?
In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law.
This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website, you may contact us for a copy of the most up to date policy within a reasonable timeframe from your request.
We are committed to providing our customers with the best possible service. If at any time you feel we have not met our obligations – or you have a complaint about any of our services – please inform us so we can work towards a resolution. We will endeavour to deal with your complaint promptly, thoroughly and fairly.
How to Make a Complaint and the Complaints Process
If you need assistance in describing or making a complaint, or if you just want to discuss your concerns informally before deciding whether to make a complaint, please feel free to contact us.
If you have a complaint, we would like to be the first to know if you are not happy with our services. We request you follow these steps:
Complaints about Third Party Products or Services
If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contact the relevant third party. They will deal with your complaint under their complaints resolution process.
If you are not satisfied with the resolution of your complaint by the third party under their complaints resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further details.
Keeping you Informed about Your Complaint
We will keep you informed at regular intervals about the progress of our investigations and response(s).
Still Not Satisfied?
If after 45 days we cannot reach a satisfactory resolution to your complaint, you may take the matter – free of charge – to the relevant External Disputes Resolution Scheme (provided it is within the scheme’s terms of reference) as detailed below. You may also refer the matter to the relevant External Disputes Resolution Scheme at any time, but if our internal process is still in progress, they may request that our internal processes be complete before considering the matter further.
Our financial service licensee’s external dispute resolution service provider is the Financial Ombudsman Service, which can be contacted via:
Fill in the form below and we will get right back to you to discuss your needs.
After a career that began as a mechanic with his father, playing some sports at very high levels, Adam was inspired to become an investor and coach. His career in financial services has spanned over 20 years and includes working with some of Australia’s leading names in the industry. Adam brings to Finwell many qualifications and experience including being a qualified accountant, financial planner, mortgage broker and property agent. As Executive Director of Finwell, Adam has the passion and knowledge to help you do better financially.
Goal: To give Australians clear ways to improve their financial situation, through education, quality service and investments that work.
Damian was born in Mexico, raised and educated in Los Angeles. His first career was working with a very successful software developer. In Los Angeles he met a young Australian girl and soon after came to Australia to get married and start a family. For the past 13 years, Damian has worked as a senior financial advisor for successful financial planning companies. Damian has a Diploma in Business Management, Diploma Financial planning, Diploma Mortgage Broking as well as being a Self-Managed Superfund Specialist.
Goal: Helping you improve your financial position now and forever.
Stuart has had extensive experience in investments and property sales for over 20 years. As Senior Consultant at Finwell Group, Stuart helps clients to identify their specific needs and personal financial goals, ensuring the tailored solutions provided meet these requirements. With support from the Finwell financial planning and lending teams, Stuart works directly with clients on property projects, managing them through to successful completion. Using his significant experience, Stuart advises clients on many areas he has done himself including SMSF, Tax, Mortgage Reviews and cashflow management.
Goal: Stuart’s goals for his clients are the same as his own goals, to improve their financial position enough to comfortably retire early.
Senior Financial Planner
Gavin has over 20 years as a Financial Planner and uses his knowledge and experience when creating financial strategies for clients – from solving financial difficulties, reducing tax, setting up for retirement or investments. Gavin works with clients to understand their individual financial objectives to help them create a comprehensive and tailored financial strategy to achieve practical solutions, regardless of the size of their investment. Through his experience and expertise, Gavin guides clients through the ever-changing superannuation landscape and helps to clear the confusion of the seemingly endless rules and regulations. He enjoys seeing individuals gain the confidence to make informed decisions so they can get on with enjoying the things that matter most to them.
Goal: To help people be financially free, by achieving their lifestyle goals whilst maintaining peace of mind.
Senior Financial Planner
After a broad career which includes working as an accountant, a Human Resource Manager and a Policewoman, Simone took the step into Financial Services after investing in property herself. As a qualified accountant and financial planner (with SMSF Specialisation), Simone has helped many clients improve their financial circumstances and set achievable goals for the future. She is known for her passion, enthusiasm, attention to detail and genuine care for her clients which are all huge assets when assisting clients with their wealth creation.
Goal: To help guide and support people to achieve their financial freedom as well as achieving it for my family and myself.
Cal has worked in a variety of roles and industries prior to joining the team at Finwell Group, including as a director of a not-for-profit organisation and CEO and Founder of a 3 year old professional basketball training company. Since joining Finwell Group, Cal has built up his experience supporting our consultants and clients with daily management of accounts and is now qualified as a Financial Planner to help our clients meet their financial goals.
Goal: To be financially secure, with no stress upon my income and my lifestyle
Daniel has had a career spanning many diverse roles, from volunteering in a drug rehabilitation facility, slate roofing, Human Resource Management and working for a large not-for-profit organisation. Since moving into Financial Services, Daniel has gained extensive experience working in finance administration, sales and Financial Planning. His wealth of experience means Daniel is a key member of our team, now leading the team ensuring accurate and timely delivery of our services plus new service development.
Goal: Seeing lives improved for the better!
Client Relationship Executive
Natalie has been with Finwell Group & Investors Direct for over ten years and is very passionate about her role as Client Relationship Executive. Natalie is responsible for our client experience, helping ensure that our clients meet their personal and financial goals. With many years experience in the client account management space including at one of Australia’s largest Telecommunications companies, Natalie has worked alongside many senior executives, both from an employee and client management perspective. The relationships she has gained are built on a high level of trust and proven ability to always deliver what was promised.
Goal: Help people succeed in their personal finances, having a positive impact on a client's happiness and lifestyle. Natalie's personal goal is the same as our clients. To confidently manage her wealth and be comfortable in retirement
Tim has had significant global experience across marketing, business development, financial services and small business management prior to joining Finwell Group. After spending the early part of his career in the UK in business development and project management roles with a leading global financial services corporation, Tim moved to Australia with the same business before branching out into a marketing role with one of the world's largest FMCG brands. After further corporate marketing experience, Tim took the step into running his own franchised business, undertaking all facets of running a successful small business operation. With a focus on customer satisfaction, business insights and continual brand development, Tim is bringing the Finwell team's passion and personality to life with our valued customers while understanding how we can continue to meet and exceed expectations.
Goal: To continually understand the financial services market and client circumstances to ensure that Finwell's solutions meet clients' requirements, assisting them to reach their financial goals.
After completing a Bachelor of Business (Innovation) degree at Swinburn in 2017, Callum worked as an Owners Corporation Manager before joining the team at Finwell in December 2018. Utilising his Finance & Mortgage Broking qualifications, Callum oversees property investment administration and mortgage consultation, helping clients with property purchase feasibility and identifying investments that are suitable to the client’s situation. Additionally, Callum assists clients with refinancing and restructuring of loans to improve cashflow and ability to save money.
Goal: To help our clients improve their financial literacy so that money is never a cause of stress in their lives.
Financial Planning Administration
Prior to working at Finwell in 2018, Caleb had extensive experience working in operations, distribution and client service roles. As a valued member of the Finwell administration team, Caleb works closely with clients to ensure accurate organisation of key documentation & information aligned to the strategies recommended by Finwell advisors. With a strong focus on speed of delivery, file accuracy and client communications, Caleb is passionate about ensuring the clients have a successful outcome. His personal focus is to start his own property portfolio by purchasing his first investment property.
Goal: To assist clients to be financially free and well prepared for anything unexpected that happens in life.
Financial Planning Administration
Since completing his VCE two years ago, Harry has already obtained a variety of experience including sports coaching, running his own business and volunteering overseas in disaster relief programs. He is currently completing a Commerce degree at Deakin University which will lead to being qualified as a financial planner. Harry is a key member of the Finwell administration team, ensuring all cycles regarding insurance, superannuation and Self-Managed Super Funds are delivered efficiently and to a very high level of accuracy. He is focused on ensuring that the service provided helps the clients reach their financial goals and is excited about working towards his own goal of buying his first investment property.
Goal: To help clients achieve financial success but also success on other levels of life. Money is far from the most important thing in life. However, having financial security and wealth allows more freedom and control.