Privacy Policy

1. Introduction

FWOS Pty Ltd (ABN 29 079 236 169) ("FWOS", "we", "our", or "us") 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 all other applicable privacy and data protection laws.

This Privacy Policy explains how we collect, use, store, and disclose your information when you visit our website or engage with our services.

By accessing our website, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect and process the following types of personal information:

2.1 Personal Identification Information

• Full name
• Email address
• Phone number
• Postal or business address

2.2 Financial & Investment Information

To provide our services, we may collect:

• Financial situation and objectives
• Investment experience and risk tolerance
• Tax file numbers (TFN) where authorized

2.3 Technical & Usage Data

Collected automatically when you visit our website:

• IP address
• Browser type and version
• Device information
• Pages viewed and time spent on the site
• Cookies and tracking technologies

2.4 Communications

Any messages, forms, or inquiries submitted through the website.

We collect information only where reasonably necessary for our business activities or legal obligations.

3. How We Use Your Information

We may use your personal information to:

• Provide, operate, and manage our services
• Assess your suitability for our products and services
• Respond to enquiries and communicate with you
• Comply with Australian legal, regulatory, and reporting obligations
• Improve the performance, functionality, and security of our website
• Conduct internal administration and operational processes

We do not sell, rent, or trade your personal information.

4. Disclosure of Information

We may disclose your information to third parties only where reasonably necessary and lawful, including:

4.1 Regulatory & Legal Requirements

• ASIC
• AUSTRAC
• Law enforcement agencies
• As required under the Corporations Act, Anti-Money Laundering and Counter-Terrorism Financing Act, or other applicable laws

4.2 Service Providers

Trusted external providers assisting with:

• IT services and hosting
• Website analytics
• Email and communication systems
• Professional advisors (legal, compliance, accounting)

4.3 With Your Consent

Where you explicitly authorise FWOS to share information.

4.4 Protection of FWOS

Where necessary to protect our rights, property, clients, or safety.

All third parties receiving your information are required to maintain confidentiality and appropriate data protection standards.

5. Data Security

We implement strict administrative, technical, and physical safeguards to protect personal information from:

• Unauthorised access
• Misuse or interference
• Loss or theft
• Unauthorised modification or disclosure

However, no data transmission or storage system can be guaranteed 100% secure.

By using our website, you acknowledge that information provided online is done at your own risk.

6. Your Rights

Under Australian privacy law, you may request the following:

• Access to the personal information we hold about you
• Correction of inaccurate or incomplete information
• Deletion of your personal information, where legally permissible
• Restriction or objection to certain processing activities
• Data portability, where applicable

To exercise your rights, contact us using the details below.

We may require identification to protect your information.

7. Cookies & Tracking Technologies

Our website may use cookies, analytics tools, and tracking technologies to improve user experience and website performance.

You may disable cookies in your browser settings, though this may affect site functionality.

8. International Transfers

FWOS primarily stores data in Australia.

Where information is transferred to service providers outside Australia, we take reasonable steps to ensure it is handled in accordance with the Australian Privacy Principles.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The "Last Updated" date reflects the most recent revision.

Continued use of our website constitutes acceptance of any changes.

10. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle personal information, please contact:

Email: privacy@fwos.com.au

Company: FWOS Pty Ltd (ABN 29 079 236 169)