Disclaimers, fine print and red tape

We use bank grade 2048-bit SSL security certificates to encrypt website data and keep you safe. (Just so you know)

We'd like to be really clear about something

This site does not provide legal, financial, medical or commercial advice and by using this website you acknowledge this. This site provides practical general information and doesn't take into account your individual circumstances. Any information presented can give you a general idea of some of the options available to you but you'll still need to work out what’s appropriate for you.

That's why you should always get professional advice, and we'd love to help you with that.

Advice Disclaimer

Sapience would like to welcome you to this website. We have worked hard to make it as user-friendly and informative as possible. When viewing the pages of this website, you acknowledge you have read and accepted our disclaimer.

The information on this website is provided "as is" and for general information only. Sapience has provided this information for the benefit of users in good faith and with reasonable care. However, errors and omissions in this website and the information on it may occur from time to time and Sapience does not guarantee the website will always operate or be error free. Accordingly, to the maximum extent permitted by law, Sapience does not accept any liability for the use of or inability to use this site, or for any loss or damage which may directly or indirectly result from any opinion, information, advice, representation or omission contained on this website.

Financial Advice

Drew Browne and Sapience Corporation Pty Ltd. ABN 29 086 679 718 are Authorised Representatives of an Australian Financial Services Licensee AFSL Shartru Wealth, license number #422409 ABN 46 158 536 871. They will be acting on behalf of the AFSL if they recommend financial products to you later after considering your circumstances.

You can download their Financial Services Guide (Part 1&2) (FSG) here
You can download their Privacy Policy (SWMPC) here.

We never provide financial advice without first considering a person's individual circumstances and all our financial advice is provided in a written form inside a Statement of Advice document (SoA).

Credit Advice

(yep it's different from financial advice - we think that's crazy too.)

Drew Browne is an Authorised Credit Representative of Australian Credit Licensee Vision Aggregation Credit License number #389961 ABN 50 867 155 934. He will be acting on behalf of the ACL if he recommends credit products to you later after considering your circumstances.

Property Advice

And just so we are clear, advice about residential property investment is provided by Drew Browne of Sapience Financial, and not provided by our AFSL.

Good Advice

And just while we're on the topic of whose responsible for what, and who provides the very helpful information on this site, the Good Advice in our Blog is compiled by the complex mind of Drew Browne (unless otherwise stated or linked to its author) and not by our AFSL.

Recognition of Sex and Gender

The Sapience Group of clever brands recognise individuals may identify and be recognised within the community as a gender other than the sex they were assigned at birth or during infancy, or as a gender which is not exclusively male or female. Persons with diverse sexual orientation and or diverse characteristics are encouraged to identify as they so choose. Where sex and/or gender information is collected and recorded in a personal record, individuals are given the option to select M (male), F (female) or X (Indeterminate/Intersex/Unspecified).

The X category refers to any person who does not exclusively identify as either male or female, ie. a person of a non-binary gender.

People who fall into this category may use a variety of terms to self-identify.
This classification system is consistent with the Australian Government passports policy for applicants who are sex and gender diverse and Australian Standard AS4590 – Interchange of client information and complies with the Australian Government Guidelines on the Recognition of Sex and Gender July 2013.

Trauma Informed Organisation (TIO)

We are a purpose-designed Trauma Informed Organisation. (TIO) This means we have reconsidered and evaluated all the components of our financial advice system through an understanding of the impact of violence and trauma in the lives of people and those we seek to serve.

We recognise the need for Trauma Informed Organisational leadership in Australian Financial Advice services.

We understand;

trauma results in multiple vulnerabilities and affects many aspects of a survivor’s life over their lifespan
trauma often 'affects the way people approach potentially helpful relationships' ^cite with professions like ourselves
our work brings us into contact with adults who may have been impacted by any of a range of overwhelming adverse experiences, both medical and interpersonal in nature and caused by natural events and disasters

We design (and constantly redesign and improve) our systems of service by fully integrating knowledge about trauma in a manner that accommodates the vulnerabilities of trauma survivors

We strive to minimise the risk of re-traumatisation when interacting with us and our services, because we understand past trauma can affect different people in different ways because everyone is unique. We seek to play our part in a broader environment of healing and support as people navigate the financial aspects of their life guided by us.

We’re guided by the principles of safety, choice, collaboration, trustworthiness and empowerment of our clients. Our team integrates Mental Health First Aid principles, Stigma and Discrimination avoidance, and promote safe procedures and healthy ways of working respectfully with our clients throughout our organisation.

Our future: Sapience and our specialist advice brands and services will continue to demonstrate leadership and a commitment to compassionate and effective practices for financial services and insurance conversations as we continue to grow and develop our ability to better meet the needs of clients with histories of trauma.

Email Communications

All our email communications together with any attachments are intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. You should only read, disclose, re-transmit, copy, distribute, act in reliance on or commercialise the information if you are authorised to do so. If you are not the intended recipient of any of our e-mail communication, please notify us immediately by replying directly to the sender and then destroy any electronic or paper copy of this message. Sapience Corporation is an Authorised Representative of the AFSL and CL identified above.

Site Security

The security lock at the top left side of the website URL indicates all communication between your browser and our site (including emails) is encrypted and safe using online banking grade security.

eSignatures

The Sapience Group of clever brands where possible use eSignatures (electronic signatures) to save our clients time and preserve their privacy. Our eSignature platform is managed by DocuSign. Electronic Signatures have been recognised by law in Australia since 1999, with the passage of the Electronic Transactions Act. Additionally, the Insurance Contracts Amendment Act 2013 (Cth) specifically allows for the use of electronic communication.

Professional Memberships

Sapience holds a number of professional memberships.

Commercial Ethics & Compeditors

Financial Advisers in Australia are familiar with the obligations of the FASEA Code of Ethics – requiring Advisers amongst other things, to develop and maintain high-levels of relevant skills and act with integrity and put the needs of the client before our own.

FASEA Code of Ethics Standard 12 introduces a new enforceable concept on financial advisers.

'Individually and in cooperation with peers, you must uphold and promote the ethical standards of the profession, and hold each other accountable for the protection of the public interest'.

If you are a Financial Adviser outside our network of clients, friends and supporters, please do not go through our systems pretending to be a prospective client or and representing yourself as a future potential client, just to gain our intellectual property. We, like you are obligated to comply fully with the FASEA Code of Ethics and report unethical behaviour.

Privacy

The right to Privacy is the core of a civilized society.

'No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor attacks upon his honour and reputation.' - Universal Declaration of Human Rights

Read our Sapience Privacy Policy

Sapience Financial understands that people want the information they give to organisations to be treated with respect and confidentiality. Protecting your information is an important part of maintaining trust between us and our customers and by handling information in a secure manner we build strong business relationships. For our European clients, friends and supporters, it is our intent to be compliant with the EU GDPR

“Personal information” is information we hold which is identifiable as being about you. Personal information collected by us will only be used in accordance with this Privacy Policy and the Australian Privacy Principles.

1. What personal information we collect

There are many aspects of the site which can be viewed without providing personal information, however, you may be required to submit personally identifiable information from time to time.

This may include:
First name;
Email address
State of residence ( this helps us with time zone expectations)

We may contact you by a variety of measures to voluntarily respond to questionnaires, surveys or market research to seek your opinion and feedback or in the normal course of your business with us as a client. Providing this information is optional to you. We may receive personal information from third parties. If we do, it will be protected as
set out in this Privacy Policy.

2. Non-personally identifiable information

For each visitor to the site, we collect the following non-personally identifiable information, including but not limited to pages viewed while browsing the site, browser and operating systems, page access times and referring website address. This collected information is used solely internally for the purpose of gauging visitor traffic, trends and delivering personalized content to you while you are at the site.

3. How we collect your personal information

We collect personal information from you in a variety of ways, including when you interact with us electronically or in person; when you access our website; and when we provide our services to you.

4. Use of your personal information

We may use your personal information to provide the Sapience Group of brands service to you and to provide you with information from us and our partners. We may use your personal information to better understand customer needs, improve our website and improve our service. We may use your personal information to respond to queries about our service and documents requests. We also use your personal information for marketing purposes, to improve our service and to notify you of opportunities that we think you might be interested in.

Our optional anonymous online pre-assessment, processes information users provide to a series of questions for the purposes of a preliminary online calculation completed by our proprietary AI System not seen or used by a human.

5. Disclosure of personal information

In limited circumstances, we may disclose personal information overseas where permitted by current privacy legislation. This includes the use of Cloud computing and web tracking information we collect using Google Analytics may also be stored overseas.

6. Security

We use SSL Website encryption on all our sites and take reasonable steps to protect your personal information. However, we are not liable for any unauthorised access to this information. The transmission and exchange of information are carried out at your own risk. We take steps to safeguard against unauthorised disclosures of information, however, we cannot assure you that personal information will not be disclosed in a manner that is inconsistent with this Privacy Policy.

7. Cookies

As is very common for companies, we use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. We use cookies to improve the experience of people using our website. You have the option to accept or decline cookies. You can usually modify your browser settings to decline cookies if you prefer. This may, however, prevent you from taking full advantage of the Site.

8. Third party sites

Our site has links to other websites not owned or controlled by us. We are not responsible for these sites or the consequences of you going on to those sites. The Sapience Group does not make money from third party advertising so we do not collect or share personal information for that purpose.

9. Accessing your personal information

You have a right to access your personal information in accordance with the provisions of the Privacy Act 1988 (Cth). If you would like to do so, please contact us and let us know. You may be required to put your request in writing for security reasons. We reserve the right to charge a fee for searching for, and providing access to, your information on a per request basis. We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act. If you believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us. We will respond to any request shortly after receiving it and will endeavour to promptly correct any information found to be incorrect.

10. Complaints

If you have any complaints about our privacy practices, please feel free to send in details of your complaints. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.

11. Changes

Please be aware that we may amend this Privacy Policy in the future with changes, additions, and deletions, at our discretion. Your continued use of the Site following any amendments indicates that you accept the amendments. You should check this page from time to time to ensure that you are aware of any changes.

This privacy policy was last updated on the 23th of May 2018.
Contact Details
Sapience Helpful Advice Group Privacy
PO Box 4079 MARAYONG 2148 NSW AU

Read our AFSL Privacy Policy

Please contact us here, if you have any questions.

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