Privacy Policy

Privacy Policy
Suttie Financial Group
Last Updated: 28 October 2026

1. Introduction

1.1 Suttie Financial Group ("we", "us", "our" or "the Firm") is committed to protecting the privacy, confidentiality and security of personal information collected from our clients, prospective clients, website visitors and business associates.

1.2 This Privacy Policy explains how we collect, hold, use, disclose and protect personal information in accordance with applicable Australian privacy legislation, including the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and applicable credit reporting privacy requirements.

1.3 Our services include, but are not limited to:

• Accounting and taxation services
• Bookkeeping, BAS and payroll services
• Business advisory and financial reporting
• Self-Managed Superannuation Fund (SMSF) accounting and administration
• ASIC compliance and corporate secretarial services
• Trust and business structure administration
• Mortgage and finance broking services

1.4 By using our website or engaging our services, you acknowledge that you have been provided with access to this Privacy Policy. Where required by law, we will obtain your consent before collecting, using or disclosing personal information.

2. Personal Information We Collect

2.1 We may collect personal information reasonably necessary to provide our professional services, including:

Personal and Contact Information

• Full name, date of birth and residential address
• Email address and telephone number
• Occupation, employment and business details
• Tax File Number (TFN) and Australian Business Number (ABN), where legally permitted
• Identity verification documents, including driver's licence or passport details

Accounting and Taxation Information

• Income, expenses and financial records
• Tax returns and Australian Taxation Office (ATO) correspondence
• Bank statements and transaction records
• Payroll, superannuation and employment information
• Business financial statements and accounting records
• Investment, property and asset information

Mortgage and Finance Broking Information

• Employment and income verification
• Financial position, assets and liabilities
• Existing loans, repayment history and financial commitments
• Credit history and credit-related information
• Property ownership and purchase details
• Loan applications and supporting documentation
• Financial objectives, borrowing requirements and relevant personal circumstances

Website and Technical Information

• IP address and browser type
• Device information and operating system
• Website usage and browsing activity
• Information submitted through online contact and enquiry forms
• Cookies and analytics information

2.2 We may also collect sensitive information where reasonably necessary for our services and permitted by law, including with your consent where required.

2.3 We only collect information necessary for legitimate business purposes, legal compliance or the delivery of our professional services.

3. How We Collect Personal Information

3.1 We generally collect personal information directly from you when you:

• Contact us through our website, email or telephone
• Complete client engagement forms or questionnaires
• Request accounting, taxation or mortgage broking services
• Provide financial documents or identification records
• Attend consultations or business meetings
• Submit mortgage or finance applications

3.2 Where authorised or otherwise permitted by law, we may also obtain information from third parties, including:

• The Australian Taxation Office (ATO)
• Australian Securities and Investments Commission (ASIC)
• Banks, lenders and financial institutions
• Credit reporting bodies
• Employers, accountants, solicitors and financial advisers
• Superannuation funds and government agencies
• Other parties involved in your financial or business affairs

3.3 Where practical and lawful, we will inform you when information is collected from third parties.

4. How We Use Personal Information

4.1 We collect and use personal information for purposes including:

Accounting and Taxation Services

• Preparing and lodging income tax returns and activity statements
• Maintaining bookkeeping and financial records
• Processing payroll and superannuation obligations
• Preparing financial statements and management reports
• Providing taxation and business advisory services
• Managing SMSF accounting and compliance obligations
• Assisting with ASIC and corporate regulatory requirements

Mortgage and Finance Broking Services

• Assessing your borrowing needs and financial circumstances
• Evaluating loan suitability and available finance options
• Preparing and submitting loan applications
• Communicating with banks, lenders and mortgage insurers
• Facilitating loan approvals and settlement processes
• Assisting with refinancing and ongoing loan enquiries
• Meeting applicable responsible lending, best interests and regulatory obligations

Business Administration and Compliance

• Verifying client identity
• Managing client relationships and service enquiries
• Maintaining accurate business records
• Complying with taxation, anti-money laundering and other legal obligations
• Responding to regulatory requests and lawful investigations

4.2 We may contact you regarding relevant service updates, regulatory changes or professional services. Marketing communications will be provided in accordance with applicable law, and you may opt out of promotional communications at any time.

4.3 We will not use your personal information for unrelated purposes unless you consent or the use is otherwise permitted or required by law.

5. Disclosure of Personal Information

5.1 We may disclose personal information to third parties where reasonably necessary to deliver our services, where authorised by you, or where required or permitted by law. These parties may include:

• The Australian Taxation Office and other government agencies
• ASIC and relevant regulatory authorities
• Banks, lenders and mortgage insurers
• Credit reporting bodies, where legally authorised
• Mortgage aggregators and loan processing service providers
• Auditors, solicitors and other professional advisers
• Accounting software and cloud-based service providers
• IT support, document management and secure data storage providers
• Other service providers engaged to support our business operations

5.2 We take reasonable steps to ensure that third-party service providers handle personal information securely and in accordance with applicable privacy obligations.

5.3 We do not sell personal information to third parties.

5.4 Personal information may be disclosed without consent where required or authorised by Australian law.

6. Mortgage Broking and Credit Information

6.1 When providing mortgage and finance broking services, we may collect and handle credit-related information to assess borrowing requirements and assist with loan applications.

6.2 This information may include:

• Existing credit facilities and loan balances
• Repayment history and financial liabilities
• Credit reports and credit assessment information
• Income, expenses and financial commitments
• Loan application details and supporting documents

6.3 Where required, we will obtain your consent or provide appropriate notices before obtaining credit reports or sharing credit-related information with lenders, mortgage insurers or other authorised parties.

6.4 Credit-related information will be handled in accordance with applicable provisions of the Privacy Act, including relevant credit reporting requirements.

6.5 We will take reasonable steps to ensure credit-related information is accurate, current and relevant to the financial services being provided.

6.6 Additional privacy disclosures may be provided in our mortgage broking Credit Guide, privacy consent forms or loan application documentation.

7. Data Security and Confidentiality

7.1 We take reasonable technical, administrative and organisational measures to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

7.2 These measures may include:

• Secure accounting and financial software platforms
• Access controls and password protection
• Encryption where appropriate
• Restricted access to confidential client information
• Secure document storage and communication systems
• Staff confidentiality obligations
• Regular review of information security procedures

7.3 Access to personal information is limited to authorised personnel and service providers who require it to perform legitimate business functions.

7.4 Although we take reasonable security precautions, no electronic transmission or storage system can be guaranteed to be completely secure.

7.5 Where a data breach occurs, we will assess and respond to it in accordance with applicable legal requirements, including the Notifiable Data Breaches scheme where relevant.

8. Third-Party Software and External Websites

8.1 We may use third-party software and technology providers to support our accounting, taxation, mortgage broking and administrative services. These may include accounting platforms, document management systems, cloud storage, email services, mortgage application systems and website analytics tools.

8.2 Third-party providers may process or store personal information on our behalf under applicable contractual and privacy arrangements.

8.3 Our website may contain links to external websites operated by third parties, including banks, government agencies and software providers.

8.4 We are not responsible for the independent privacy practices of external websites. We encourage users to review the relevant privacy policies before providing personal information.

9. Overseas Disclosure and Data Storage

9.1 Personal information may be stored or processed using cloud-based technology and service providers located in Australia or overseas.

9.2 Where personal information is disclosed to overseas recipients, we will take reasonable steps to comply with applicable Australian privacy requirements, including Australian Privacy Principle 8 where relevant.

9.3 Overseas recipients may be located in jurisdictions that have different privacy laws from Australia.

9.4 We take reasonable steps to protect personal information regardless of where it is stored or processed.

10. Access and Correction of Personal Information

10.1 You may request access to personal information we hold about you, subject to applicable legal exceptions.

10.2 If you believe that any personal information we hold is inaccurate, incomplete, outdated or misleading, you may request that it be corrected.

10.3 Requests should be submitted using the contact details provided in Section 15.

10.4 We will respond within a reasonable period and explain any refusal to provide access or make a requested correction, where required by law.

11. Retention and Disposal of Personal Information

11.1 We retain personal information for as long as reasonably necessary to provide our services and meet applicable legal, taxation, professional and regulatory obligations.

11.2 Retention periods may vary depending on the type of information and the requirements of relevant legislation.

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

11.4 Requests for deletion will be considered in accordance with applicable legal and recordkeeping requirements.

12. Cookies and Website Analytics

12.1 Our website may use cookies and similar technologies to improve website functionality, analyse visitor activity and enhance the user experience.

12.2 Information collected through these technologies may include browser details, device information, website navigation patterns and general location information derived from IP addresses.

12.3 You may manage or disable cookies through your browser settings, although certain website features may not function as intended.

12.4 Where required by applicable law, we will seek consent for the use of relevant cookies or tracking technologies.

13. Children's Privacy

13.1 Our professional services are primarily intended for adults, businesses and authorised representatives.

13.2 We do not knowingly collect personal information from children through our website without appropriate authorisation or another lawful basis.

13.3 If we become aware that personal information has been collected inappropriately, we will take reasonable steps to address the matter.

14. Privacy Complaints

14.1 If you believe that your personal information has been mishandled or that we have breached an applicable privacy obligation, you may contact us using the details below.

14.2 We will review your complaint and seek to resolve it fairly and within a reasonable timeframe.

14.3 If you are dissatisfied with our response, you may be entitled to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Office of the Australian Information Commissioner
Website: http://www.oaic.gov.au/
Telephone: 1300 363 992

14.4 Mortgage broking clients may also have access to an external dispute resolution scheme, such as the Australian Financial Complaints Authority (AFCA), where applicable. Relevant complaint procedures and contact details will be provided in our Credit Guide or other required disclosure documents.

15. Contact Information

For questions, requests or complaints regarding this Privacy Policy or the handling of your personal information, please contact:

Suttie Financial Group
Business Name: Suttie Financial Group
ABN: 94 006 628 833
Address: Ground Floor, 1G Marine Parade Abbotsford 3067 VIC
Email: sfg.enquiries@respl.com.au
Phone: +61394173511
Website: https://www.sfg-group.com.au/

16. Changes to This Privacy Policy

16.1 We may update this Privacy Policy periodically to reflect changes in legislation, regulatory requirements, business operations or technology.

16.2 The latest version will be published on our website with the updated effective date.

16.3 We encourage clients and website visitors to review this Privacy Policy periodically.

Suttie Financial Group is committed to maintaining the confidentiality, security and responsible handling of personal information entrusted to us through our accounting, taxation and mortgage broking services.