Use of Private and Confidential Information Policy

1. Policy Statement

Retirement Life Solutions Pty Ltd respects the right of individuals to privacy and is committed to:

• protecting the privacy of personal information it collects, holds and administers in the process of providing services and conducting its business;
• managing the privacy of personal information in accordance with the Australian Privacy Principles as prescribed in The Privacy Amendment (Enhancing Privacy Protection) Act 2012.

2. Purpose

The purpose of this policy is to provide information on Retirement Life Solutions Pty Ltd processes:

• to manage the collection, storage, use, and disclosure of personal information;
• for individuals to access and amend their personal information;
• to provide feedback or make complaints to Retirement Life Solutions Pty Ltd about management of personal information.

3. Practice Standard

3.1. Collection

Retirement Life Solutions Pty. Ltd will only collect personal information, subject to the consent of each individual, that is necessary for the provision of high quality services, real estate related services or to meet other business needs. Such personal information may include health or sensitive information. When collecting personal information Retirement Life Solutions Pty. Ltd will inform individuals of the purpose for collecting the information, how it will be used, and that it may be accessible to them on written request.

3.2. Security and Storage

Retirement Life Solutions Pty. Ltd will:

• take all reasonable steps to ensure that personal information is stored safely and securely. This includes storage of hard copy documents as well as electronic / technological and communication systems;
• ensure security, integrity, and privacy of personal information and periodically review and update security protocols of relevant processes and technologies;
• ensure that access to personal information is only provided to authorised personnel.

3.3. Access and Correction

If requested in writing, Retirement Life Solutions Pty Ltd will provide individuals with access to their personal information unless such action:

• is unlawful; · threatens or may threaten the health or safety of any individual.
• has an unreasonable impact upon the privacy of other individuals; or
• the request is frivolous or vexatious; or
• access is otherwise exempt under the Australian Privacy Principles.

Requests for access to personal information should be made through the Retirement Life Solutions Pty Ltd Privacy Officer. Contact details are provided in 3.12.

3.4. Retention

Personal information will be retained for as long as necessary to provide required services and to comply with legal requirements.

If personal information is no longer required for any purpose, including legal purposes, Retirement Life Solutions Pty Ltd will take reasonable steps to securely destroy or de-identify that personal information.

3.5 Use and Disclosure

Retirement Life Solutions Pty Ltd will only use personal information for the purpose for which is collected unless:

• the individual provides consent.
• the purpose relates to the purpose indicated at the time of collection; · there is a threat to health or safety.
• unlawful activity is suspected.
• disclosure is required by law, including compulsory notices from courts of law, tribunals or government agencies.
• an individual is incapable of giving or communicating consent and personal information is required to be given to a ‘responsible person’ for the necessary provision of appropriate care or treatment or for compassionate reasons.
• a person is acting on behalf of the individual, including persons nominated by the individual such as, executors, trustees and legal representatives.

3.6 Direct mailing

From time to time Retirement Life Solutions Pty Ltd may use personal information for direct mailing purposes. An opportunity will be provided for individuals to opt out of having their information used for this purpose.

3.7 Data Quality

Retirement Life Solutions Pty Ltd will endeavour to ensure that personal information collected is relevant, accurate, complete, and up-to-date for the purpose for which it is to be used. Personal information will be updated promptly when individuals advise any change.

3.8 Overseas Data Flows

Retirement Life Solutions Pty Ltd will not transfer personal information to third parties outside Australia unless the individual’s consent has been obtained and similar privacy laws apply in the relevant overseas country.

3.09 Internet and email

When you visit Retirement Life Solutions Pty Ltd websites or those of the projects that we are promoting, the server or Internet Service Provider makes a record of your visit and may log the following information for statistical purposes:

• your server address (which includes your top level domain name - e.g. com, .gov, org);
• the date and time of your visit to the site;
• the pages you accessed and documents downloaded;
• the previous site(s) you have visited; · the type of browser you are using.

3.10.1 Access to information collected

Retirement Life Solutions Pty Ltd will not make an attempt to identify users or their browsing activities. However, in the unlikely event of an investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect our Internet Service Provider's logs.

3.10.2 Use of information collected

Retirement Life Solutions Pty Ltd will only record the details which you proffer if you send us a message. Your e-mail address will only be used for the purpose for which you have provided it and it will not be added to a mailing list or used for any other purpose without your consent. Users should be aware that there are inherent risks transmitting information across the Internet.

3.10.3 Cookies

This web site will use persistent cookies for statistical purposes, and session cookies to enable users to remain signed in to the website.

Cookies can be either "persistent" or "session" based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behaviour upon return to the issuing web site. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser.

Upon closing your browser the session cookie set by this web site is destroyed and no personal information is maintained which might identify you should you visit our web site at a later date.

When signing in, you may opt for a persistent cookie to enable you to remain signed into the website after you have closed your browser.

3.11 Feedback and complaints

If you would like to provide feedback to Retirement Life Solutions Pty Ltd, or to lodge a complaint regarding the way that the organisation manages your personal information then please contact the Retirement Life Solutions Pty Ltd Privacy Officer.

The Privacy Officer

Retirement Life Solutions Pty Ltd

Level 1, 123 Camberwell Road Hawthorn East Victoria 3123

Complaints may also be lodged with Commonwealth Government’s Information Commissioner. Where any such complaints are lodged Retirement Life Solutions Pty Ltd will work the Commissioner and the individual to resolve the issue.

4. Monitoring and Improvement

This policy will be reviewed every 3 years or as required.