We recognise that privacy is very important, and that you have the right to control your personal information. Irongate is committed to ensuring the confidentiality and security of your personal information, and to manage the personal information which we hold in an open and transparent manner. We are bound by the Privacy Act 1988 (Cth) (Privacy Act) and other applicable laws which protect your privacy.

We collect personal information that is necessary for us to perform our functions and activities, in a manner which complies with applicable laws and regulations. Unless it is unreasonable or impractical to do so, we collect personal information directly from you.  We may do this when you deal with or contact us, over the telephone, through the internet or in person. We keep records of communications including emails and telephone calls for various purposes, including training and verification. 

In some instances, we also collect personal information about you indirectly, from other sources, which may occur without your direct involvement.  

For example, we may collect personal information (including credit-related information) about you from credit providers, publicly available sources, third party brokers, credit reporting bodies and government agencies.  We may also verify your personal information with relevant third parties.  

The types of personal information we collect, use, disclose and retain includes: 

1. Name, address, date of birth and contact details
2. Details and history of transactions and interactions with us; 
3. Financial details, including sources of wealth;
4. Identity verification details;
5. Complaint and enquiry details; and
6. Credit-related information.

We collect, hold, use and disclose personal information in order to: 

1. Administer, market and promote our products and services to you or to one or more entities which you represent or which are otherwise connected to you (Connected Entities); 
2. Comply with record keeping and reporting requirements; 
3. Comply with laws, including to verify your identity and complete anti-money laundering and counter terrorism; and 
4. Detect, prevent, investigate and prosecute crimes and illegal conduct. 

If we are not provided with your personal information, we may not be able to fully provide our services to you or your Connected Entities.

Any personal information which we collect about you may be used by us for the purpose for which it was disclosed to us, or any related purposes. For instance, we may from time to time use your personal information to inform you of products and services which may be of interest to you or your Connected Entities. 

We may disclose your personal information to: 

1. Other members of the Irongate Group, for purposes including to ensure their compliance with laws and to enable us to tailor our products and services to your needs; 
2. Organisations outside the Irongate Group who have agreements to provide products and services to the Irongate Group and who we have a relationship with; 
3. Our agents, credit managers and related service providers who assist us in the management and administration of our services; 
4. Our other agents and service providers who provide various services, in connection with our products and services; 
5. Your representatives (for example, your lawyers, accountants, financial advisers, financial institutions and attorneys); 
6. Partner organisations, including organisations providing benefits to clients of the Irongate Group; 
7. Suppliers of products or services which we do not provide but which are requested by our clients; 
8. Regulatory bodies, government agencies, law enforcement bodies, courts and relevant dispute resolution schemes; or
9. Participants in the payments system and other financial institutions for the purpose of resolving disputes, errors or other matters arising out of your use of Irongate Group products and services. 

Some of these third parties may be located in other countries, including South Africa, Hong Kong and the UK. Irongate is required to comply with certain provisions of the Privacy Act in order to protect your privacy in relation to these disclosures.

We may store personal information electronically and by using physical records, sometimes in our systems and on our premises, and sometimes with the assistance of our service providers. We take all reasonable steps to ensure that any personal information and credit-related information which we hold about you is protected from misuse, interference and loss, and from unauthorised access, modification and disclosure, and to keep this information accurate and up to date. Electronic information is stored on secure servers that are protected in controlled facilities. 

In most cases, you can gain access to your personal information which we hold, by contacting us, using the details listed below. Please provide us with as much detail as you can about the particular information you are requesting, to help us retrieve it. We deal with all requests of this nature within a reasonable time period.  

You have a right to request correction of any personal information we hold about you that is inaccurate, incomplete, out-of-date, irrelevant or misleading. You can make a correction request by contacting us, using the details listed below. We will use all reasonable efforts to correct the information we hold about you, and we also have obligations to notify prior recipients of such a correction. If we do not agree to your correction request, we will generally let you know the reason for not doing so (to the extent it is reasonable for us to do so). If we consider that personal information held by us is inaccurate, incomplete, out of date, irrelevant or misleading, we will take reasonable steps to correct this, having regard to the purpose for which the information is held.

Where we no longer require personal information for any purpose for which it may be used or disclosed by us, if we are not legally required to retain the information and the information is not contained in a Commonwealth record, we will take reasonable steps to destroy or de-identify the information. 

If you visit www.irongategroup.com.au (the Website), our system may record information such as the date and time of your visit, your computer’s IP address, the pages accessed and any information downloaded. This information is used for website administration and maintenance purposes.]

When you visit our Website, our servers may attempt to load a small tracking file to your device, known as a "cookie".  A cookie enables us to analyse usage patterns on our Website and tailor the Website to your needs.] Most web browsers are set to accept cookies, however if you do not wish to accept cookies you can adjust your internet browser to refuse the cookies. [Please note that some parts of our Website may not function fully if you disallow cookies.

Cookies do not personally identify you, but rather your browser. The cookies simply operate as a unique identifier, which help us to know what our users find interesting and useful in our Website. We do not link this information back to other information that you have provided to us unless required by law. We do not store any personal information inside cookies. 

We may engage third party services from time to time for website monitoring, reporting and analysis purposes. Those services may also use cookies and gather anonymous web usage information (as described above) through our Website. 

While we take great care to protect your personal information, unfortunately the transmission of data over the internet cannot be guaranteed to be 100% confidential. Accordingly, we cannot ensure or warrant the security of any information you send to us or receive from us online. This is particularly true for information you send to us via email, which we cannot guarantee is protected in transit. Once we receive your information, we use our best efforts to ensure its security in our possession. If you are concerned about submitting your personal information to us electronically, please contact us to enquire about making other arrangements. 

The Website provides links to third party websites. These linked sites are not under our control and we are not responsible for the conduct of companies linked to this website. Before disclosing your personal information to any other website, you should examine the terms and conditions of using those websites and the privacy policies applicable to those websites.

If you have any queries relating to our Policy, or if you have a problem or wish to lodge a complaint in relation to an alleged breach of your privacy, please contact us as set out below: 

Irongate Funds Management Limited

Level 13, 95 Pitt Street

Sydney NSW 2000

T: +61 2 7906 2000

E: info@irongategroup.com.au

You will receive an acknowledgement of your complaint from us as soon as reasonably practicable after we receive it, and in any case within 5 days after receipt.

We investigate all complaints, and will respond to you as soon as reasonably practicable.  We aim to resolve all complaints within 30 days.  If we cannot resolve your complaint within this period we will write to you notifying you of the reasons why, specifying when we expect the matter to be resolved and seeking your agreement to extend the 30 day period. 

If your concerns are not resolved to your satisfaction, you may have rights to escalate your complaint to the Australian Financial Complaints Authority (AFCA). Further details about AFCA are available at the AFCA website: https://www.afca.org.au/.  AFCA can also be contacted by telephone on 1800 931 678 or by email at info@afca.org.au.

From time to time it may be necessary for us to review and revise this Policy. We reserve the right to change this Policy at any time and to notify you by posting an updated version of this Policy on our Website. 

Last updated: 30 November 2020