Privacy Policy

PCR Accounting & Advisory (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other applicable laws, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

1. Information We Collect

• Personal details such as your name, address, date of birth, and contact details.
• Identification documents (e.g. Driver’s Licence, Passport) to confirm your identity as required by law.
• Financial information including income, expenses, assets, liabilities, superannuation, bank
  account details and investment information.
• Tax information such as Tax File Numbers (TFN), Australian Business Numbers (ABN), and
  related records.
• Employment details such as salary, PAYG summaries and deductions.
• Insurance or beneficiary information where required for applications.
• Other sensitive information where necessary (e.g. health information related to payroll,
  employment or insurance).

2. How We Collect Information

• Directly from you (in person, by phone, email, online forms or client portal).
• From government agencies such as the Australian Taxation Office (ATO).
• From financial institutions, employers or other third parties you authorise.
• Through our website, accounting platforms or investment/insurance applications.
• If the information you provide is inaccurate or incomplete, it may affect the quality and
  appropriateness of our services and recommendations.

3. Why We Collect Information

• Provide accounting, taxation, advisory and financial services.
• Arrange and administer investments, superannuation and insurance products.
• Comply with legal and regulatory obligations.
• Communicate with you about our services.
• Manage our internal business operations.

4. Use and Disclosure of Information

• The Australian Taxation Office (ATO) and other government or regulatory bodies.
• Your nominated representatives such as financial advisers, lawyers or accountants.
• Service providers who assist us (e.g. IT, cloud storage or compliance providers).
• Our professional advisers, auditors and insurers.
• Financial institutions, insurers, and product providers where applications are made on your behalf.
• We may also use your information for direct marketing communications, but you may opt out at any time.
• We will not sell or trade your personal information.

5. Overseas Disclosure

• Some service providers may store or process information overseas (e.g. cloud-based accounting or document platforms). Where this occurs, we take reasonable steps to ensure your information is protected in line with Australian privacy standards.

6. Quality and Security of Information

• We take reasonable steps to ensure the information we hold is accurate, complete and up to date. Please notify us if your details change.
• We also take reasonable steps to protect your information from misuse, interference, loss, unauthorised access, modification or disclosure. If your personal information is no longer required and we are not legally required to retain it, we will securely and permanently destroy it.

7. Access and Correction

• You may request access to the personal information we hold about you (generally covering the past 7 years) and request corrections where it is inaccurate or outdated.
• We will respond to requests promptly, usually within 14 days. In most cases, no fee will apply, although a handling fee may be charged for large or complex requests.

8. Complaints

• If you have a concern about how we have handled your personal information, please contact us. We will address your complaint promptly. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

9. Contact Us

• If you have any questions, requests, or complaints regarding this Privacy Policy, please contact:
• Privacy Officer: Natasha Tabone (PCR Accounting & Advisory)
• Email: natasha@pcr.accountants
• Phone: (03) 5134 1778
• Address: PO Box 1875, Traralgon, Victoria, 3844

10. Updates to this Policy

• We may update this Privacy Policy from time to time. The most current version will always be available on our website.