Privacy Policy

1. Introduction

True North Wealth Management Pty Ltd (ABN 87 697 350 236) is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, hold, use, and disclose your personal information, and how you may access and correct that information. This policy is prepared in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) contained within that Act.

2. Scope

This Privacy Policy applies to all personal information that we collect in the course of providing financial planning, investment management, retirement planning, and related services. It covers information collected through our website at truenorthwealthmanagementpty.site, in person, by telephone, by email, or through any other channel.

3. Types of Personal Information We Collect

We may collect the following types of personal information:

• Identity information such as your full name, date of birth, and residential address
• Contact details including email address, telephone number, and postal address
• Financial information such as income, assets, liabilities, superannuation details, and investment holdings
• Tax file number (TFN), where you choose to provide it, for the purposes permitted by law
• Government-issued identification documents
• Information about your financial goals, risk tolerance, and investment preferences
• Website usage data including IP address, browser type, and pages visited

4. How We Collect Personal Information

We collect personal information directly from you when you:

• Complete a contact form or enquiry form on our website
• Engage us for financial planning or investment services
• Provide documents during a client onboarding process
• Communicate with us by email, telephone, or in person
• Subscribe to our newsletters or marketing communications

We may also collect personal information indirectly from third parties such as financial institutions, superannuation funds, government agencies, credit reporting bodies, and publicly available sources, where it is reasonable and necessary for our services.

5. Use of Personal Information

We use your personal information for the following purposes:

• Providing financial planning, investment management, and retirement planning services
• Identifying and verifying your identity as required by anti-money laundering legislation
• Communicating with you about your accounts, services, and appointments
• Complying with our legal and regulatory obligations
• Improving our services and developing new offerings
• Sending you information about products and services that may interest you, where you have consented to receive such communications
• Managing internal operations, including quality assurance and staff training

6. Disclosure of Personal Information

We may disclose your personal information to:

• Financial product issuers and investment platforms used to implement your financial strategy
• Legal, compliance, and audit professionals engaged by us
• Government and regulatory bodies where required or authorised by law
• Courts and tribunals in connection with legal proceedings
• Service providers who assist us in operating our business, such as IT hosting and email providers, under contractual obligations to protect your information

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

7. Cookies and Website Analytics

Our website may use cookies and similar technologies to enhance your browsing experience and collect usage data. Cookies are small data files stored on your device that help us understand how visitors interact with our website. You may configure your browser to reject cookies or alert you when cookies are being sent; however, some features of our website may not function properly without cookies. We use analytics tools to collect aggregated data about website traffic and usage patterns. This data does not identify you personally and is used solely to improve our website.

8. Security of Personal Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. These measures include:

• Storing electronic records in secure, access-controlled systems with encryption
• Restricting access to personal information to authorised personnel who need it to perform their duties
• Maintaining physical security measures for paper-based records
• Regularly reviewing and updating our security practices

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

9. Your Rights Under the Australian Privacy Principles

Under the APPs, you have the following rights:

• Access: You may request access to the personal information we hold about you (APP 12).
• Correction: You may request correction of personal information that is inaccurate, outdated, incomplete, or irrelevant (APP 13).
• Complaint: If you believe we have breached the Privacy Act or the APPs, you may make a complaint to us. If we do not resolve your complaint to your satisfaction, you may complain to the Office of the Australian Information Commissioner (OAIC) at 1300 363 992 or via www.oaic.gov.au.
• Anonymity: Where it is reasonable and practicable, you may interact with us anonymously or under a pseudonym (APP 2).
• Withdrawal of consent: Where we rely on your consent to collect or use your information, you may withdraw that consent at any time by contacting us.

10. Cross-Border Disclosure

If we disclose personal information to an overseas recipient, we will take reasonable steps to ensure the recipient complies with the APPs. We will not disclose your personal information overseas unless it is necessary for the services we provide to you, and we will inform you of the likely disclosure.

11. Retention of Personal Information

We retain your personal information only for as long as it is reasonably necessary for the purposes for which it was collected, or as required by law. Financial services regulations may require us to retain certain records for a minimum period. When personal information is no longer required, we will take reasonable steps to destroy or de-identify it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with an updated effective date. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or wish to make a privacy-related complaint, please contact us:

• True North Wealth Management Pty Ltd
• Email: [email protected]
• Address: Perth WA 6000

Effective date: 1 January 2026