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Privacy Policy

1. Overview

Protecting clients' privacy is very important to us. As part of our commitment to ensuring the safety of our client's private and confidential information.

The Policy explains our policies and practices with respect to the collection and management of personal information we collect from you. Those Principles and our approach to those Principles are set out below.
The Policy applies to Allen Baker; together referred to in this Policy as “AB”, “us”, “our”, or “we”.

2. Collection

What Information Do We Collect?
We will collect and hold your personal information for the purposes of:
-   Opening and maintaining an account for you.
-   Providing products and services to you.
-   Managing and administering the products and services.
-   Letting you know about our other products and services.

We will not collect any personal information about you except where you have knowingly provided that information to us or we believe you have authorised a third party to provide that information to us.

The type of information collected from you includes information that is necessary to operate your account or for us to provide advice to you. We may ask you to provide personal information such as your:
-   Name
-   E-mail address
-   Residential and/or postal address
-   Date of birth
-   Contact details
-   Occupation
-   Bank account details
-   Financial details
-   Employer

Much of this information is collected through application forms, the use of our online facilities or through ongoing communications with you.

We may also need to collect information from third parties. For example, we may need to collect information from your financial adviser, product issuer and employer.

We are also required to ask for certain information by law. Wherever there is a legal requirement for us to ask for information about you, we will inform you of the obligation and the consequences of not giving us the requested information. For example, in addition to obtaining personal information from you, whenever you acquire a new product or service from us, we will need to obtain certain documentary evidence from you as to your identity. Such evidence may include items such as a certified copy of your driver's licence, passport or birth certificate.

What If You Don't Give Us The Information We Request?
You are not required to give us the information that we request. However, if you do not give us the information that we ask for, or the information you give is not complete or accurate, this may:
-   Prevent or delay the processing of your application.
-   Prevent us from contacting you.
-   Impact on the taxation treatment of your account.

3. Use of Information

How Do We Use The Information That We Collect From You?
We use your personal information for the purposes for which it has been obtained. We collect your personal information so that we are able to act on your request, such as:
-   Provide financial advice to you
-   Establish and manage your investments and account
-   Implement your investment instructions
-   Process contributions, transfer monies or pay benefits
-   Report the investment performance of your account
-   Keep you up to date on other products and services offered by us.

Personal information will also be used where you have consented to such disclosure or where it is required or authorised under law, in circumstances relating to public health and safety or in connection with certain operations by or on behalf of an enforcement body.

4. Disclosure

Who Do We Give Information To?
The types of external organisations to which we often disclose your personal information include:
-   Any organisations involved in providing, managing or administering our products or services such as actuaries, custodians, external dispute resolution services, insurers, investment managers, or mail houses
-   Your financial adviser
-   Any fund (administrator or trustee) to which your benefit is to be transferred or rolled over
-   Any financial institution who holds an account for you
-   Any professional advisers appointed by us

Like other financial services companies, there are situations where we may also disclose your personal information where it is:
-   Required by law
-   Authorised by law (such as where we are obliged to disclose information in the public interest or to protect our interests)
-   Necessary in discharging obligations (such as to foreign governments for the purposes of foreign taxation)
-   Required to assist in law enforcement (such as to a police force)

We will also disclose your information if you give your consent.

Will My Information Be Disclosed Overseas?
We do not currently disclose your personal information overseas.

5. Access and Correction of Information

Can I Access My Information And What If It Is Incorrect?
You may request access to the personal information we hold about you. We may charge a reasonable fee to cover our costs.

There may be circumstances where we are unable to give you access to the information that you have requested. If this is the case we will inform you and explain the reasons why.

We will take reasonable steps to ensure that the personal information we collect, hold, use or disclose is accurate, complete, up to date, relevant and not misleading. Reasonable steps that we may take include updating your personal information from public sources such as a telephone directory.

You have a right to ask us to correct any information we hold about you if you believe it is inaccurate, incomplete, out of date, irrelevant or is misleading. If we do not agree with the corrections you have supplied and refuse to correct the personal information, we are required to give you a written notice to that effect and a statement if requested.

6. Protection Of The Personal And Sensitive Information That We Hold

How Do We Protect The Security Of Your Information?
We have security systems, practices and procedures in place to safeguard your privacy. Your personal information is stored on third party servers and is subject to regular audit. The people who handle your personal information for us have the training, knowledge, skills and commitment to protect it from unauthorised access or misuse.

If you use the secure adviser, member or employer sections of our websites, we will verify your identity by your username and password. Once verified, you will have access to secured content.

Risks Of Using The Internet
You should note that there are inherent security risks in transmitting information through the internet. You should assess these potential risks when deciding whether to use our online services. If you do not wish to transmit information through our website, there are other ways in which you can provide this information to us. You can, for example, contact our Customer Service team. Cookies

A "cookie" is a small text file that may be placed on a computer by a web server. Our websites may use cookies which may enable us to identify you or your browser while you are using our site. These cookies may be permanently stored on a computer or are temporary session cookies. They are used for a variety of purposes, including security and personalisation of services. They are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

All browsers allow you to be notified when you receive a cookie and you may elect to either accept it or not. If you wish not to accept a cookie, this may impact the effectiveness of the website. Your internet service provider or other IT service provider should be able to assist you with setting your preferences.

7. General

How Long Do We Retain Your Personal Information?
We are required by law to retain certain records of information for varying lengths of time. Depending on the context surrounding the information, we may be required to retain records which include your personal information from 7 years to permanently. Where your information is not required to be retained under law, we will take reasonable steps to permanently destroy or de-identify your personal information when it is no longer required for the purpose for which it was collected.