What is personal information?

Personal information is any information or opinion about an identified individual, or an individual who can reasonably be identified, whether or not it is true and whether or not it is recorded.

The types of personal information we collect may include your name, date of birth, contact details (including your address, email and phone number), financial and banking information (including institutions and account numbers), transaction data (including information about purchases or receipts), insurance and credit history and tax file number (TFN).

Why do we collect and use personal information?

The personal information we collect about you will depend on the circumstance in which it is collected.

We may collect and use your personal information during the course of our relationship with you by collecting it:

What about sensitive information?

Sensitive information is personal information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, genetic information or health information.

We will not collect this kind of information unless we need it and we have asked for your consent (or we are otherwise legally permitted).

Do you need to allow us to collect your personal information?

You don’t have to allow us to collect your personal information, but if you don’t we may not be able to deliver all our services to you effectively, or at all.

Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), Pearler’s legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

Pearler may process your Personal Data because:

Disclosure within Pearler

We may share your information internally and with service providers where required to resolve issues or in other situations that may require it.

Who do we share personal information with?

We may also disclose your personal information to, or collect your personal information from:

We may also share your personal information:

as those laws are amended or replaced, or with your express or implied consent.

We take all reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations with respect to the protection of your personal information.

You may ask us for access to, or correction of, your personal information held by us. We may require you to provide additional information for verification purposes in accordance with our Terms & Conditions and other policies before we agree to any such request. On a best endeavours basis we will take usual steps to correct or provide access within 30 days. If we do not agree to any such request, we will provide you a reason.

There is no fee for asking for access to your personal information, correction of your personal information or for asking us to make any corrections to your personal information.

Where we consider it appropriate, we might charge a fee to cover the time we spend finding and putting together the information you request. If there’s a fee, we will let you know in advance so you can choose if you want to continue.

We collect non-personal information about users of our website, including how the website is used and other information such as browser type, operating system and IP addresses to help us manage and improve our website.

We store information that we collect through cookies, log files, and/or third party site traffic software to create profiles of users generally.

We won’t ask you to supply personal information publicly over Facebook, Instagram, Twitter, LinkedIn, or any other social media platform.

Let’s talk about “cookies”

A “cookie” is a small text file on your internet browser which is accessed each time you visit a website. We may use cookies to help provide more personalised services to returning users and obtain more information about how our website is being used. For example, cookies allow us to better estimate the number of unique visitors of our website and their traffic patterns.

Cookies in no way give us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Information provided by email

We may keep copies of emails that we send and receive where we consider it necessary to do so. Your email address will only be used for the purpose for which it was provided. It will not be added to any mailing lists or used for any other purpose without your consent.

We cannot guarantee that email transmissions are secure. If you have any concern about the security of the contents of your email or any other transaction over the internet or on an app, then you should consider contacting us by other means.

Third party links

Our website may contain links to third party websites and this policy does not apply to those websites. If you wish to find out how any third parties handle your personal information, you will need to obtain a copy of their privacy policy.

We are committed to ensuring that your information is secure. We take reasonable efforts to ensure that up-to-date security measures are used on our website and other systems to protect your personal information. However, we cannot guarantee that any information transmitted via the internet by us, or you, is entirely secure.

We may hold your personal information in:

These storage systems may be managed or administered internally or they could be managed by our third party service providers.

We have put in place physical, electronic and managerial procedures to safeguard and secure the information we collect.

We take reasonable steps to destroy or permanently de-identify any personal information when we no longer need it.

We may use your information to provide you information about products and services offered by us or by third parties including online, by mail or email, telephone, SMS or through our app. We may also provide your details to other organisations for specific marketing purposes undertaken by us. Pearler does not sell your data for other organisations to market to you. We may also use targeted marketing, data and audience matching and market segmentation to improve advertising relevance to you.

You may opt out at any time if you no longer wish to receive marketing information by sending us a request by email at admin@pearler.com, or by “unsubscribing” from email marketing messages.

We may use third-party service providers to monitor and analyse the use of our Service. For example, Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/.

If you have any feedback, questions or concerns about how we handle your personal information or this policy, please contact our Privacy Officer at:

Privacy Officer support@pearler.com Level 1 MCIC, UNSW, Gate 2 Avenue, Kensington 2033

We care about your privacy and take your privacy concerns seriously. We will usually ask that you put your request to us in writing. Where you express concerns that we have interfered with your privacy we will respond to let you know who will be handling your matter and provide a response within 30 days.

If you are not satisfied with our response, you can lodge a lodge a complaint with the Office of the Australian Information Commissioner (OAIC) online at oaic.gov.au oaic.gov.au or by writing to GPO Box 5218, Sydney NSW 2001. For more information visit the OAIC’s website or contact them by telephone: 1300 363 992 or email: enquiries@oaic.gov.au.

As we operate in the financial services industry, you can contact the Compliance Manager at Sanlam Private Wealth Pty Ltd on (03) 8640 5508 or at compliance@privatewealth.sanlam.com.au.

If, despite our best efforts, you believe your complaint has not been satisfactorily dealt with, you can also lodge a complaint with the Australian Financial Complaints Authority (AFCA) online at afca.org.au or by writing to GPO Box 3, Melbourne VIC 3001 quoting Sanlam’s Member Number 14570. For more information visit the AFCA website or contact them by telephone:1800 931 678 or email:info@afca.org.au.

We may occasionally make changes to this policy at any time. Any material change, as defined by us, will be communicated with you. However, an up-to-date version of this policy will always be available on our website.