Privacy Policy & Disclaimers

Sapience 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. 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 fully compliant with the EU GDPR.

“Personal information” is the 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 that 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 manage different time zones)

We may contact you via 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 completely optional. 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 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 addresses. 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, respond to queries, and notify you of opportunities we think you might be interested in.

5. Artificial Intelligence (AI) and Data Security

The Sapience Group of Brands uses secure, closed enterprise AI systems for administrative and operational tasks. We maintain a strict policy never to upload, expose, or feed client-identifying data into publicly accessible AI platforms. This operational boundary ensures your personal and financial information remains entirely within our secure, encrypted network, fully complying with Australian privacy laws and the Australian Privacy Principles (APPs).

Additionally, our optional anonymous online pre-assessment processes user responses for preliminary calculations using a secure, proprietary system, ensuring no human intervention or public exposure of data occurs during the process.

6. 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 which may also be stored overseas.

7. Security

We use SSL Website encryption on all our sites and take reasonable steps to protect your personal information. However, the transmission and exchange of information are carried out at your own risk. We take strict steps to safeguard against unauthorised disclosures of information, however, we cannot absolute assure you that personal information will never be disclosed in a manner that is inconsistent with this Privacy Policy.

8. Cookies

We use cookies on our website to identify you when you return to the site and to store details about your usage. Cookies are not malicious programs that access or damage your computer. We use cookies purely to improve your browsing experience. You can modify your browser settings to decline cookies if you prefer, though this may prevent you from taking full advantage of the site.

9. Third-party sites

Our site contains links to other websites not owned or controlled by us. We are not responsible for these sites or the consequences of you visiting them. The Sapience Group does not generate revenue from third-party advertising, so we do not collect or share personal information for that purpose.

10. 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. 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. If you believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant, or misleading, please let us know and we will endeavor to promptly correct it.

11. Complaints

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

12. Changes

Please be aware that we may amend this Privacy Policy in the future. Your continued use of the site following any amendments indicates your acceptance of those changes. You should check this page from time to time to ensure that you are aware of our current policy.

Contact Details
Sapience Group Privacy
PO Box 4079 MARAYONG 2148 NSW AU

Please contact us if you have any questions.

The X category refers to any person who does not exclusively identify as either male or female (i.e., a person of 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 sex and gender-diverse applicants, aligns with Australian Standard AS4590, and complies with the Australian Government Guidelines on the Recognition of Sex and Gender.

Under Australian law, a written physical signature (ink on paper) is not required for a contract to be legally valid.

Documents and contracts are legally binding if competent parties reach an agreement, whether verbally, electronically, or on paper. The Electronic Transactions Act across the Commonwealth, States, and Territories confirms that contracts cannot be denied enforceability merely because they were concluded electronically.

We recognise the profound need for Trauma-Informed leadership within Australian Financial Advice services.

We understand that:

• Trauma results in multiple vulnerabilities and affects many aspects of a survivor’s life over their lifespan.
• Trauma often impacts how people approach potentially helpful professional relationships, including financial advice.
• Our work brings us into contact with adults who may have been impacted by overwhelming adverse experiences, both medical and interpersonal, or caused by natural disasters.

We design (and constantly improve) our service frameworks by fully integrating trauma-informed knowledge to accommodate and respect the vulnerabilities of survivors.

• We use friction by design to protect vulnerable customers: For individuals experiencing recent grief or active traumatic events, we intentionally introduce thoughtful pauses and slow down certain administrative processes. We believe rushing critical financial decisions during a crisis can cause harm, so we deliberately create space for you to step back, breathe, and process at your own pace.

We strive to minimise the risk of re-traumatisation. We understand that past trauma affects everyone uniquely, and we seek to play our part in an environment of healing and empowerment as clients navigate their financial lives.

We’re guided by the core principles of safety, choice, collaboration, trustworthiness, and client empowerment. Our team integrates Mental Health First Aid principles, actively avoids stigma and discrimination, and promotes healthy, respectful ways of working.

Our future: Sapience and our specialist advice brands will continue to demonstrate leadership and a commitment to compassionate, effective financial and insurance practices that meet the needs of clients with histories of trauma.