Privacy Policy

Effective date: 5 August 2026

Last updated: 5 August 2026

BE Wealth ("BE Wealth", "we", "our", or "us") respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, hold, use, disclose, and protect your personal information. It also explains how you can access or correct the personal information we hold about you and how you can make a privacy complaint.

BE Wealth handles personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and other applicable Australian privacy and financial services obligations.

1. About BE Wealth

BE Wealth is an Australian financial advice business that provides financial advice and related services to individuals, families, and businesses.

Depending on your circumstances and the services we provide, our services may include:

  • Financial planning

  • Wealth management

  • Retirement planning

  • Investment advice

  • Superannuation advice

  • Personal insurance advice

  • Cash flow and budgeting guidance

  • Centrelink and government benefit planning

  • Estate planning considerations

  • Aged care financial advice

  • Other financial advice and related services

To provide these services, we may collect and handle personal information about our clients, prospective clients, their representatives, and other individuals involved in the provision of financial advice.

2. What Personal Information We Collect

The type of personal information we collect depends on your relationship with BE Wealth and the services we provide.

Personal information may include:

  • Your name

  • Date of birth

  • Residential, postal, and email addresses

  • Telephone and other contact details

  • Identification documents and identity verification information

  • Employment details and occupation

  • Family and relationship information

  • Financial goals and objectives

  • Income and expenditure information

  • Assets and liabilities

  • Bank account and transaction information

  • Superannuation information

  • Investment and portfolio information

  • Insurance information

  • Taxation information

  • Centrelink and government benefit information

  • Estate planning information

  • Details of financial products you hold or are considering

  • Information about your financial circumstances and needs

  • Information contained in financial advice documents and fact finds

  • Records of communications, meetings, and advice provided

  • Information provided by your authorised representatives or professional advisers

  • Information required to establish and administer your client relationship

  • Information required to meet our legal and regulatory obligations

  • Other information reasonably necessary to provide our services

3. Sensitive Information

In certain circumstances, we may collect sensitive information where this is reasonably necessary for providing financial advice or managing your financial affairs.

Sensitive information may include health information or other information classified as sensitive under applicable privacy laws.

For example, health information may be relevant when assessing personal insurance requirements.

We will only collect sensitive information where permitted or required by law and, where required, with your consent.

We will take reasonable steps to protect sensitive information and will only use or disclose it for authorised purposes.

4. How We Collect Personal Information

Where reasonably practicable, we collect personal information directly from you.

We may collect information through:

  • Initial enquiries and consultations

  • Client fact finds and financial questionnaires

  • Meetings and appointments

  • Telephone calls

  • Emails and other electronic communications

  • Our website and online forms

  • Applications and documentation relating to financial products

  • Financial planning and client management systems

  • Documents you provide to us

  • Your authorised representatives

  • Your accountant, solicitor, broker, insurer, or other professional adviser

  • Financial institutions and product providers

  • Government agencies and regulators

  • Publicly available sources where permitted by law

Where appropriate, we may also collect information from third parties with your authority or where permitted or required by law.

5. Why We Collect and Use Personal Information

We collect, hold, and use personal information to:

  • Understand your financial circumstances, needs, goals, and objectives

  • Assess your financial position

  • Provide financial advice

  • Prepare financial advice documents and recommendations

  • Establish and manage your client relationship

  • Arrange and administer financial products and services

  • Monitor and review your financial plan

  • Communicate with you about your financial affairs

  • Respond to enquiries and requests

  • Process payments and fees

  • Maintain client and business records

  • Verify your identity

  • Prevent fraud and other unlawful activity

  • Meet our legal and regulatory obligations

  • Comply with applicable financial services laws and professional requirements

  • Manage complaints and disputes

  • Improve our services and business operations

  • Protect our legal rights and interests

We will not use your personal information for a purpose unrelated to the reason it was collected unless you have consented or the use is otherwise permitted or required by law.

6. Financial Information

Financial advice requires us to understand your financial circumstances.

Depending on the advice you seek, we may collect information about:

  • Income and employment

  • Household expenditure

  • Bank accounts and savings

  • Property and other assets

  • Mortgages and other liabilities

  • Superannuation

  • Investments

  • Shares and managed funds

  • Insurance policies

  • Taxation

  • Retirement plans

  • Financial dependants

  • Estate planning arrangements

  • Government benefits

  • Existing financial products

  • Financial goals and risk preferences

We use this information to assess your circumstances and provide advice that is appropriate to your needs and objectives.

7. If You Do Not Provide Personal Information

You may choose not to provide personal information to us.

However, we may be unable to provide financial advice or certain services if you do not provide information that is reasonably necessary for us to understand your circumstances and meet our legal and professional obligations.

For example, insufficient information may prevent us from:

  • Assessing your financial position

  • Understanding your objectives and needs

  • Providing appropriate financial advice

  • Completing required identity checks

  • Establishing or administering financial products

  • Meeting our legal and regulatory obligations

Where appropriate, we will explain why particular information is required.

8. Disclosure of Personal Information

We may disclose personal information where reasonably necessary to provide our services or meet our legal and regulatory obligations.

Depending on the circumstances, we may disclose information to:

  • Our employees and authorised representatives

  • Related businesses or service entities

  • Financial product providers

  • Banks and other financial institutions

  • Superannuation funds

  • Insurance providers

  • Investment platforms and product issuers

  • Accountants and tax advisers

  • Solicitors and other legal advisers

  • Mortgage brokers and lending providers

  • Centrelink and other government agencies

  • External compliance and professional advisers

  • Information technology and software providers

  • Client relationship management and financial planning platforms

  • Secure document storage and cloud service providers

  • Payment service providers

  • Auditors and professional consultants

  • Regulators and government authorities

  • Other parties where you have provided consent

  • Other parties where disclosure is permitted or required by law

We do not sell your personal information.

9. Third-Party Service Providers

BE Wealth may use external service providers to support our business and deliver services to clients.

These providers may assist with:

  • Financial planning software

  • Client relationship management

  • Document management

  • Secure document storage

  • Website hosting

  • Email and communications

  • Information technology

  • Cybersecurity

  • Accounting and bookkeeping

  • Compliance

  • Data analysis and reporting

Where we engage third parties to handle personal information on our behalf, we take reasonable steps to ensure that appropriate privacy and security protections are in place.

10. Overseas Disclosure and Access

Some of our technology, software, cloud storage, and service providers may operate or store information outside Australia.

As a result, personal information may be accessed, processed, or stored overseas.

The countries in which personal information may be handled will depend on the providers and services we use.

Where required by the Privacy Act, BE Wealth will take reasonable steps to ensure that overseas recipients handle personal information consistently with applicable Australian privacy requirements.

11. Security of Personal Information

BE Wealth takes reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure.

Depending on the circumstances, our security measures may include:

  • Secure cloud-based systems

  • Password protection

  • Multifactor authentication

  • Access controls

  • Restricted staff access

  • Secure document storage

  • Encryption where appropriate

  • Secure file-sharing systems

  • System monitoring

  • Cybersecurity controls

  • Software and system updates

  • Staff confidentiality obligations

  • Privacy and cybersecurity training

  • Secure disposal procedures

  • Regular review of access permissions

Access to personal information is limited to people who reasonably need the information to perform their role or provide authorised services.

No electronic storage or transmission system can be guaranteed to be completely secure. We regularly review our security practices and take reasonable steps to address identified risks.

12. Data Breaches

BE Wealth maintains procedures for responding to suspected privacy and information security incidents.

If we suspect that personal information has been accessed, disclosed, lost, or used without authorisation, we will assess the incident and take reasonable steps to contain and address the issue.

Where an incident constitutes an eligible data breach under the Privacy Act and notification is required, we will comply with the Notifiable Data Breaches scheme and notify affected individuals and the Office of the Australian Information Commissioner as required by law.

13. Direct Marketing

BE Wealth may send information about our services, financial education, events, newsletters, or other information that may be relevant to you.

We will only send direct marketing communications where permitted by law.

You may opt out of marketing communications at any time by:

  • Using the unsubscribe option included in the communication

  • Contacting us using the details provided at the end of this Privacy Policy

Opting out of marketing communications will not prevent us from sending communications that are necessary to provide financial advice, manage your account, meet legal obligations, or administer our relationship with you.

14. Cookies and Website Analytics

Our website may use cookies, analytics tools, and similar technologies.

These technologies may collect information such as:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Pages viewed

  • Date and time of access

  • Referring website

  • General website interaction and navigation information

We may use this information to:

  • Operate and secure our website

  • Understand website usage

  • Improve website content and functionality

  • Identify technical issues

  • Measure the effectiveness of communications and marketing

You may be able to manage or disable cookies through your browser settings. Disabling cookies may affect some website functionality.

15. Third-Party Websites

Our website may contain links to third-party websites, platforms, or services.

BE Wealth is not responsible for the privacy or security practices of independent third parties.

We recommend reviewing the privacy policy of any third-party website before providing personal information.

16. Access to Personal Information

You may request access to personal information that BE Wealth holds about you.

To protect your privacy and security, we may require reasonable proof of identity before providing access.

In some circumstances, we may refuse or limit access where permitted or required by law.

If we refuse an access request, we will generally provide written reasons for our decision and information about available complaint mechanisms, unless doing so would be unreasonable or unlawful.

We do not ordinarily charge for making an access request. Where permitted by law, we may charge a reasonable fee for the administrative costs of providing access. We will notify you before charging such a fee.

17. Correction of Personal Information

BE Wealth takes reasonable steps to ensure that personal information we hold is accurate, complete, relevant, and up to date.

You may ask us to correct personal information that you believe is inaccurate, incomplete, out of date, irrelevant, or misleading.

If we decline to make a requested correction, we will generally provide written reasons and information about available complaint mechanisms.

You may also ask us to associate a statement with your personal information noting that you believe the information requires correction.

18. Retention of Personal Information

BE Wealth retains personal information for as long as reasonably necessary to:

  • Provide financial advice and related services

  • Manage our relationship with you

  • Maintain appropriate client records

  • Meet legal and regulatory requirements

  • Meet taxation and accounting requirements

  • Resolve complaints or disputes

  • Protect our legal rights and interests

Financial services laws may require us to retain certain records for specified periods.

When personal information is no longer required and we are not legally required to retain it, we will take reasonable steps to securely destroy or permanently de-identify the information.

19. Privacy Complaints

If you believe BE Wealth has mishandled your personal information or breached an applicable privacy obligation, you may contact us and make a privacy complaint.

Where possible, please provide:

  • Your name and contact details

  • Details of the privacy concern

  • Relevant dates or communications

  • Information about the personal information involved

  • The outcome you are seeking

We will:

  • Acknowledge your complaint

  • Review and investigate the matter

  • Request additional information where reasonably necessary

  • Work with you to resolve the complaint

  • Provide a response within a reasonable period

We aim to respond to privacy complaints within 30 days where reasonably practicable.

If you are dissatisfied with our response, or if your complaint is not resolved within a reasonable period, you may contact the Office of the Australian Information Commissioner (OAIC).

20. Office of the Australian Information Commissioner

You can contact the OAIC if you are not satisfied with how we have handled your privacy complaint.

The OAIC can be contacted through its website at www.oaic.gov.au.

We encourage you to contact us first so that we have an opportunity to review and resolve your concern.

21. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to:

  • Privacy laws and regulatory requirements

  • Our financial advice services

  • Our business operations

  • Our technology and systems

  • Our service providers

  • Our information handling practices

The current version of this Privacy Policy will be published on our website and will include the effective date and last updated date.

22. Contact Us

If you have questions about this Privacy Policy, want to request access to or correction of your personal information, or wish to make a privacy complaint, please contact us.