We'd like to be really clear about something
IMPORTANT: This site provides educational information only. It 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.
Always get professional advice—and we'd love to help you with that.
Important information:
Policies
Disclaimers
Information
Content 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 and Terms of Use.
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, or representation or omission contained on this website.
Financial Advice
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).
- Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee, NSW Complete Financial Services Group AFSL 457600 ABN 791 284 037 987. They will be acting on behalf of the AFSL if they recommend financial products to you later after considering your circumstances.
Financial Services Guide
- You can download the NSW CFS Financial Services Guide here.
General Advice warning
General advice is a recommendation or opinion about a financial product that is not tailored to your personal circumstances. This advice won't consider your personal circumstances, such as your: income, expenses, needs or goals.
Just to be clear: Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.
And just while we're on the topic of who is 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.
- We do not host paid promotional content and do not use affiliate links to gain revenue.
- When it comes to any case studies or examples used, they are all composites and amalgamations of people and events so no individuals or circumstances are identifiable.
Sapience Privacy Policy
The right to privacy is the core of a civilized society. The idea of human rights is based upon honouring the importance of peoples inner experiences (United Nations 1948). Human Rights defend peoples right to feel valuable and good inside, not just safe on the outside.
'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
Sapience Privacy Policy
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 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 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 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 document 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 that 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 endeavor 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 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.
Contact Details
Sapience Group Privacy
PO Box 4079 MARAYONG 2148 NSW AU
Please contact us if you have any questions.
Recognition of Sex and Gender
The Sapience Group of diverse brands recognise individuals who 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 that is not exclusively male or female. Persons with diverse sexual orientations 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).
Read more about Recognition of Sex and Gender
The X category refers to any person who does not exclusively identify as either male or female, ie. 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 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.
eSignatures
The Sapience Group 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.
Read more about eSignatures
Under Australian law, a written signature (often called an ink on paper or wet signature), is not necessarily required for a valid contract.
Documents and contracts are generally valid if legally competent parties reach an agreement, whether they agree verbally, electronically or in a physical paper document. The Electronic Transactions Act in the Commonwealth, States, and Territories of Australia specifically confirm that provided certain requirements are met, and a relevant exception does not apply, contracts cannot be denied enforceability merely because they are concluded electronically.
Websites Terms of Use
See our Website Terms & Conditions of Use here. The website, assets, and IP are used under license from the respective owners and not the property of the domain lease holder.
Refund Policy
For all legally drafted documents: If a Client is unsatisfied with the legally drafted document the Client has purchased from Sapience, the Client may notify Sapience Financial within 30 days of the initial point of purchase for a 100% refund of the legal document creating fee, charged to them for documents they do not intend to use.
Trauma-Informed Organisation (TIO)
Sapience is 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-Informed in the lives of people and those we seek to serve.
Read more about Trauma-Informed Organisations
We recognise the need for Trauma-Informed Organisational leadership in Australian Financial Advice services
We understand;
- Trauma-Informed results in multiple vulnerabilities and affects many aspects of a survivor’s life over their lifespan.
- Trauma-Informed often 'affects the way people approach potentially helpful relationships' 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-Informed in a manner that accommodates the vulnerabilities of Trauma-Informed survivors
We strive to minimise the risk of re-Traumatisation when interacting with us and our services because we understand past Trauma-Informed 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 promotes 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-Informed.
Professional Memberships
Sapience holds relevant professional memberships.
