Advice - for the public good
Enva is built on a set of values and principles designed to meet and exceeed Australian community expectations. Below we have outlined our privacy statement, the codes of practice we hold ourselves to and how you can contact us for further information or to lodge a complaint.
- Website conditions of use
- Code of Conduct
- Financial services guide
- Complaints handing proceedure
Our Commitment To Your Privacy
Our Commitment At Enva Australia we recognise that your privacy is important. We are committed to the highest standards in relation to the collection, use, accuracy and storage of your private information. We are bound by the Privacy Act 1988 which contains 13 principles known as the “Australian Privacy Principles”. Further information about the Australian Privacy Principles can be found on the website of the Office of the Australian Information Commissioner, www.oaic.gov.au.
Collection Our main purpose for collecting personal information is to facilitate financial planning, financial products or services, insurance policies or related services, and to update our records. At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what may happen if you do not provide personal information to us.
Use and Disclosure We are subject to certain legislative and regulatory requirements that necessitate us obtaining and holding detailed information that personally identifies you and/or contains information or an opinion about you. In addition, our ability to provide you with a comprehensive financial planning and advice service is dependent on us obtaining certain personal information about you, including:
- employment details and employment history;
- details of your financial needs and objectives;
- details of your investment preferences and aversion or tolerance to risk;
- details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, etc.
- information about your employment history, employment circumstances, family structure, commitments and social security eligibility;
- any other relevant information including medical history and/or reports required for the purposes of risk insurance.
Data Quality Pursuant to the Corporations Act, Life Insurance Code of Practice and Rules of Professional Conduct of the Financial Planning Association of Australia, we are required to collect sufficient information to ensure appropriate advice can be given in respect of recommendations made to our clients. If you elect not to provide us with the personal information you may be exposed to higher risks in respect of the recommendations made to you and this may affect the adequacy or appropriateness of advice given to you.
Data Security We take reasonable steps to protect the information we retain from misuse, loss and from unauthorised access, modification or disclosure. We will not retain any of your information for any longer than it is required by us, except to satisfy legal requirements. We will destroy or de-identify your personal information when it is no longer required.
Access and Correction You may access the personal information we retain and request corrections. This right of access is subject to some exceptions allowed by law. We will not provide you access to personal information which would reveal any confidential formulae or the detail of any in-house evaluative decision making process, but may instead provide you with the result of the formulae or process or an explanation of that result. Enva Australia Pty Ltd reserves the right to charge a fee for searching for and providing access to your personal information. In the event we refuse you access to your personal information, we will provide you with an explanation for that refusal. We will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependant to a large degree on the information you provide and you should advise us if there are any errors in your personal information.
Identifiers In some circumstances we are required to collect government identifiers, for example, your Tax File Number. We will not use or disclose this information other than when required to do so by law or, when consented to by you.
Anonymity You may deal with us anonymously where it is lawful, practicable and reasonable to do so.
Sensitive Information Without your consent, for example where information is provided by you for insurance and or risk purposes, we will not collect sensitive information about you. Exceptions to this include where the information is required by law, or for the establishment, exercise or defence of a legal claim.
Privacy Complaints If you believe we have not acted appropriately in relation to your privacy rights, you are entitled to lodge a complaint with us, initially by contacting your Adviser. If you are not satisfied with the way in which we investigate and respond to your complaint, you are entitled to lodge a formal complaint with an External Dispute Resolution Scheme of which we are a member. We are a member of Credit Ombudsman Service Ltd and you can contact them on 1800 138 422, or email email@example.com.
Conditions of Use - Enva Australia Website
Disclaimer Information provided on this Web Site is general in nature and does not constitute financial advice. While all reasonable care has been taken in providing this information, unless expressly stated, it should not be construed as being specific to your investment objectives, financial situation or particular needs. We will endeavour to update the Web Site as soon as practicable after changes. However, information can change without notice and we do not guarantee the accuracy of information on the Web Site, including information provided by third parties, at any particular time. This information is prepared for residents of Australia only. Any currency references are references to Australian dollars unless otherwise specified. Unless otherwise specified, copyright of information provided on this Web Site is owned by Enva Pty Ltd. You may not alter or modify this information in any way, including removing this copyright notice. This Web Site does not offer securities or other financial products, nor does it invite subscriptions for securities or other financial products to any person outside Australia. We do not guarantee the repayment of capital or any particular return from, or any increase in, the value of any products unless otherwise expressly agreed. Further, we disclaim any liability for loss, damage, cost or other expense which you may incur as a result of any information provided on this Web Site, to the extent that such liability is not excluded by law.
Code of Conduct
Enva subscribes to our associations code of conduct which can be viewed here: Association of Financial Advisers - Code of conduct
|Professional||we are trusted experts and completely focused on our clients well being|
|Efficient||we consider our footprint and work to reduce waste|
|Effective||we deliver for our stakeholders: profit for shareholders, peace of mind for our clients, leadership for our industry, a future for our children|
|Think||we consider the implications, impact and ethics of our actions|
|Human||we respect each other, work together and strive for improvement|
Financial Services Guide
A Financial Services Guide (FSG) outlines your rights and our responsibilities as well as the service you should expect and the cost of those services. You can view the most recent version of our FSG here Financial services guide
Who can I speak to if I have a complaint
We are committed to providing quality advice to our clients. This commitment extends to providing accessible complaint resolution mechanisms for our clients. If you have any complaint about the service provided to you, you should take the following steps: Contact the Complaints Manager at Enva Australia Pty Ltd on 08 8333 5400 or firstname.lastname@example.org about your complaint. We will try and resolve your complaint within 45 days. If we cannot reach a satisfactory resolution, you can raise your concerns with the: Credit & Investments Ombudsman (CIO) 1800 138 422 or By Post Case Management Team C/- Credit & Investments Ombudsman PO Box A252, South Sydney, NSW 1235 We are a member of CIO’s complaints resolution service. The Australian Securities & Investments Commission (ASIC) also has a freecall Infoline on 1300 300 630 which you may use to make a complaint or obtain information about your rights.