welcome to r j s & associates
The following details relate to the Licensee of RJS Wealth Management, Modoras Pty Ltd. The Modoras Group (‘Modoras’, ‘we’, ‘us’, ‘our’) comprises of a number of entities that provide a full range of advice and services covering:
For the full list of these entities, please see the ‘About us’ section below. Modoras is committed to respecting our clients’ right to privacy and protecting their personal information. We adhere to the Privacy Act 1988 and the Australian Privacy Principles, which govern the standards, rights
and obligations around:
Our privacy policy applies to all our dealings with you — whether they’re in-person, over the phone, in writing, or online. It applies to all the Modoras directors, managers, employees and representatives with whom you deal. We only collect personal information we reasonably require in order to provide you with the advice, services and/or products that you choose to engage in to achieve your financial, lifestyle and/or business goals; or if required or allowed by law.
The specific requirements regarding the handling of personal information may vary between Modoras’s different business entities. These entities will typically only share your personal information with each other for the purpose for which it was collected.
The Privacy Act defines ‘personal information’ as:
Information or an opinion about an identified individual, or an individual who is reasonably identifiable:
a) Whether the information or opinion is true or not; and
b) Whether the information or opinion is recorded in a material form or not.
We collect personal information that is reasonably necessary for, or directly related to, our work. Our work involves providing our clients with the financial, accounting, tax and credit assistance, services and/or products that you choose to engage in with us.
This includes:
Furthermore, to comply with the Anti-Money Laundering and Counter Terrorism Financing Act, we’re required to collect and verify certain ‘know your customer’ information to confirm a client’s identity.
The type of personal information we collect will depend on the advice, services and /or products you request from us.
It can include and is not limited to your:
The term ‘personal information’ encompasses a broad range of information, including ‘sensitive information’ We may sometimes collect and hold sensitive information about you Sensitive information includes information or an opinion about an individual’s:
As well as providing us with information upon which to provide a customised solution to your needs and objectives, we are required under the Corporations Act 2001 (Cth) and the National Consumer Credit Protection Act 2009 (Cth) to collect and hold this information.
We only collect your personal information by lawful and fair means.
Where practical, we’ll collect the information from you personally and not from third parties.
Examples of the way we collect information directly from you include:
In situations where you would reasonably expect it and/or you’ve consented to it, we’ll collect your personal informtion from third parties (e.g. accountants, solicitors, Centrelink, product providers).
The collection of personal information is critical to our ability to provide the financial, accounting, tax
and credit assistance, services and products our clients choose to engage in with us. If you don’t allow us to collect some or all of your relevant personal information, it’s likely we’ll be unable to provide advice, services and/or products to you.
We ‘use’ your personal information when we:
We ‘disclose’ your personal information when we give access to it, or show it to, another individual, organisation or agency.
Australian privacy law allows us to use or disclose your personal information for:
Our primary purpose for collecting your personal information is to provide you with the financial, accounting, tax and credit assistance, services and/or products that you choose to engage in with us. We can’t use or disclose your personal information for another reason (a secondary purpose) unless an exception applies. Exceptions include:
Examples of secondary purposes for which we may use or disclose your personal information include:
We will share information within the Group, unless you instruct us not to.
Another of the secondary purposes for which we may use your personal information is direct marketing to promote services and goods that may be of interest to you. Unless you tell us otherwise, we may send you marketing emails and/or messages. In accordance with the Spam Act, each of our marketing emails will contain an ‘unsubscribe’ option. Who do we disclose your personal information to? In the course of our work, we may disclose your personal information to one or more other parties, including:
We may disclose your personal information to service providers based overseas, including in:
We take reasonable steps to protect your personal information from misuse, interference and loss, and unauthorised access, modification, or disclosure. The security steps we take and strategies we implement cover the following areas:
If we no longer need your personal information, we’ll take reasonable steps to de-identify or destroy it. In the unlikely event your personal information is accessed or disclosed without authorisation or is lost, and the data breach is likely to result in serious harm, we’ll notify you and the Office of the Australian Information Commissioner. If we notify you of a breach, we’ll recommend steps you can take in response.
f you request it, we’ll give you access to the personal information we hold about you (i.e. information in a record we have possession or control of).
We’ll give you access in the manner you request (e.g. email, phone, in person, hard copy, electronic record) and within a reasonable timeframe. This timeframe will depend on the scope and clarity of your request, whether the information can be readily located and assembled, and whether consultation with you or other parties is required. Generally, the timeframe will not exceed 30 calendar days. If we give you access to your personal information, we may charge you for things like:
We’ll inform you in advance of any charges and the likely amount. There are grounds on which an organisation can refuse to give access to personal information. For example, an organisation can refuse to give access if it would have an unreasonable impact on the privacy of other individuals.
We take reasonable steps to ensure the personal information we collect is accurate, up-to-date, complete, relevant and not misleading. If we notice any erroneous information, we’ll correct it. Similarly, if you become aware of any wrong information, you can ask us to correct it. Depending on the circumstances, we may ask you to verify your identity. We won’t charge you for any corrections. If we find out we disclosed incorrect information to a third party, we’ll contact them to ask them to correct it. If we disagree with any corrections you wish to make, we’ll arrange for a statement from you to be added to your client file.
If you think we’ve mishandled your personal information, please call our privacy officer on (07) 3219 2555. We’ll do our best to resolve your issue immediately. If we can’t, we’ll investigate the matter further before giving you a response. If you’re unhappy with our response or we take longer than 30 days to respond, you can lodge a complaint with the:
Office of the Australian Information Commissioner (OAIC)
GPO Box 5218
Sydney NSW 2001
Online: www.oaic.gov.au
Email: enquiries@oaic.gov.au
Phone: 1300 363 992
The companies and related business entities listed below are partially or wholly owned by or directly affiliated with the Modoras Group.
Modoras Pty Ltd (ABN 86 068 034 908) is an Australian financial services licensee (AFSL 233209) and Australian credit licensee (ACL 233209). The following ‘corporate authorised representatives’, are authorised to provide wealth advice under our licence. They in turn have sub-authorised individuals (directors and/or employees) to provide advice, service and assistance on the licensee’s behalf.
Modoras Pty Ltd also trades as Modoras Asset Management (MAM). MAM is the specialist investment advisory division of Modoras. It provides financial, capital market and investment analysis; portfolio design and construction; and portfolio management services. MAM sponsors the Modoras Asset Management Investment Series.
Actocue Pty Ltd (ABN 32 128 604 419) is an Australian financial services licensee (AFSL 323729) and Australian credit licensee (ACL 323729).
Accounting, tax and business advice and services are offered through the following tax agents and accounting companies:
The following companies are Australian credit licensees (ACL):
Banks Group Wealth Management Pty Ltd (ABN 14 127 520 558) is an Australian financial services licensee (AFSL 496348). The following ‘corporate authorised representatives’ are authorised to provide wealth advice under the licence. They in turn have sub-authorised individuals (directors and/or employees) to provide advice, service and assistance on the licensee’s behalf
For more information about this policy, please contact our privacy officer: Email: compliance@modoras.com
Physical address: Level 3, 50–56 Sanders Street, Upper Mt Gravatt QLD 4122 Postal address: PO Box 6530, Upper Mt Gravatt QLD 4122
Phone: (07) 3219 2555.
For more information on our services, CLICK HERE.
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