Privacy Policy
Effective date: 28 October 2026
Read about how RightTrac Financial Services Pty Ltd ABN 80 653 198 791 and its authorised representatives, RightTrac Planning Pty Ltd as trustee for the Franz Family Trust ABN 92 770 806 040, Forecast Advisory Pty Ltd ABN 78 697 973 121, and ARISE Financial Pty Ltd ABN 51 634 807 168 (us, we or our) collects, protects, uses and shares your personal information.
Privacy commitment
Your privacy is important to us. We are committed to protecting your privacy and we want to ensure that you have a clear understanding about the information we collect about you, how we use it and who we share it with.
We provide a number of products and services that require us to collect, store, share and use your personal information. This Privacy Policy applies when you use our products or services or interact with our website. It sets out how we collect information about you, how we use it and how we keep it secure.
We may change this Privacy Policy by publishing changes to it on our website. Please check our website regularly to ensure that you are aware of any changes to this Privacy Policy.
What information do we collect?
Personal information is information about you that is reasonably identifiable (i.e. name, email address, contact details).
In this Privacy Policy we use the term personal information to describe the information we collect about you. This includes:
name, address, email address, date of birth, phone number(s);
tax file number;
information about dependents or family members;
bank account details or credit or debit card details;
Medicare number, pension card number;
accounting and financial information;
occupation, employment history and details;
family commitments and social security eligibility;
financial needs and objectives;
assets and liabilities (current and future), income, expenses;
superannuation and insurance details;
risk profile details;
details of your interactions with us;
recordings, transcripts and notes of meetings and phone calls with us;
internet protocol address;
location information;
any other relevant information that you give to us for the purpose of providing you with our products or services.
Depending on the services we provide to you we may also collect sensitive information from you, with your consent, such as health information in connection with insurance application forms.
We collect personal information either directly from you or from other people such as:
related entities;
Waymaker Finance, where you use their services;
suppliers and service providers in connection with providing our products and services;
your advisers;
banks, financial institutions and other financial product providers;
your employer;
fund managers;
superannuation funds;
life insurance companies;
public sources.
We collect information when you:
visit our website;
submit application forms with us;
participate in a meeting or phone call with us;
email or otherwise correspond with us.
Why we collect, hold, use and disclose personal information
We will only use your personal information for the purposes for which it was collected (primary purpose) or for a purpose related to the primary purpose, if you would reasonably expect us to use the information for that purpose, or otherwise with your consent.
Our primary purposes for collecting, holding, using and sharing (disclosing) your personal information include:
to provide our products and services and customer support;
to conduct market research (where we contact you for feedback on our products or services);
to run and improve our website including your experience with our website;
to identify and control or minimise risks to our products or services;
to enable us to detect and prevent suspicious or fraudulent activity;
to monitor compliance with our terms and conditions;
to provide information to our advisers, including lawyers and accountants, to help us comply with legal, accounting, or security requirements;
to protect our legal rights, interests and the interests of others, including in connection with legal claims, compliance, regulatory and audit functions and ensuring data security;
to verify your identity and, where relevant, the source of your funds, pursuant to the Anti-Money Laundering and Counter-Terrorism Financing Act;
to comply with our legal obligations, resolve any disputes that we may have with any of our customers, and enforce our agreements with other people;
for any purpose related to the above.
Do we use your personal information for direct marketing?
No. We do not use your personal information for direct marketing purposes.
Sharing (disclosing) your information
We share your personal information with:
our related entities;
suppliers and service providers in connection with providing our products and services;
payment systems operators;
banks or other financial institutions;
fund managers;
superannuation funds;
life insurance companies;
financial product issuers;
a purchaser of our business;
specific people authorised by you to receive information held by us;
government agencies, regulatory bodies and law enforcement agencies, or as required, authorised or permitted by law.
Waymaker Finance
We work closely with our sister company, Waymaker Pty Ltd (ABN 83 640 132 592) trading as Waymaker Finance, to provide cash flow and financial coaching. If you engage Waymaker’s services or ask about a home loan, including a home loan assessment, we may share your personal information with Waymaker team members so they can help you. Waymaker handles your information under its own Privacy Policy.
Compass
As a RightTrac client, you may be given access to Compass, a financial dashboard run by Waymaker. If you use Compass, the Compass Privacy Policy applies to the information you enter and store there.
Our licensee and other authorised representatives
RightTrac Financial Services Pty Ltd holds our Australian Financial Services Licence (AFSL 535632). RightTrac Planning Pty Ltd and other advice businesses operate under this licence as its authorised representatives. We may share your personal information with RightTrac Financial Services, and with other authorised representatives under the licence, where it’s needed to:
oversee and review advice for compliance, audit and quality purposes;
provide cover if your adviser is unavailable; or
refer you to another adviser, with your consent.
They handle your information under this Privacy Policy and their obligations as part of the licence.
Information that we provide to other people will be handled in accordance with their privacy policy.
Sharing (disclosing) your information outside Australia
Some of the service providers we engage, including our CRM, email, cloud-hosting and software providers, and the artificial intelligence tools that assist us in taking notes, analysing information, preparing advice and maintaining our records, may store or process information outside Australia, including in the United States. Before any personal information is disclosed to an overseas recipient, we take reasonable steps to ensure it is handled in a manner consistent with the Australian Privacy Principles, and we limit the personal information disclosed to what is necessary.
Artificial intelligence
We use artificial intelligence (AI) tools to help us analyse information, take notes and maintain our records. For example, we may use AI to:
record, transcribe and summarise meetings and phone calls with you (we will tell you at the start if a meeting is being recorded);
analyse your financial information, such as your income, expenses, assets, liabilities, superannuation and insurance, when preparing strategies and advice;
help prepare advice documents, file notes and correspondence; and
keep our client records up to date.
AI does not make decisions about you. Your adviser reviews everything AI tools produce and is responsible for all advice and recommendations we give you.
When we submit an application for you, such as for life insurance, the product issuer makes its own decision and may use automated systems to do so. Each issuer explains how it handles your information in its own privacy policy.
Where we use AI tools, we take reasonable steps to protect your personal information and, wherever practicable, we de-identify or limit the personal information provided to them. Our AI providers do not use your information to train their AI models. Some AI tools are operated by overseas service providers. Please see the section “Sharing (disclosing) your information outside Australia” above.
If you would prefer that we do not record your meetings or use AI tools with your information, please let your adviser know.
Government identifiers
If we collect government identifiers, such as your Tax File Number, we do not use or disclose this information other than as required by law. We will not adopt as our own any identifiers that you may provide to us. If you consent, we may keep your identifiers on file so we can continue providing services to you. We will not keep this information on file if you choose not to provide this consent.
Using our website and cookies
We collect personal information about you when you use and access our website.
While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
Links
Our website may contain links to websites operated by other people. Those links are provided for convenience and may not remain current or be maintained. We are not responsible for the privacy practices of, or any content on, those linked websites, and have no control over or rights in any linked websites. The privacy policies that apply to those other websites may differ substantially from our Privacy Policy, so please read them before using those websites.
How we hold your information to keep it safe
We hold your personal information in either electronic or hard copy form.
We take reasonable steps to protect your information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal information.
For example we:
impose confidentiality requirements on our employees and train them about how to keep your information safe and secure;
have policies and procedures in relation to document storage security and security measures to govern access to systems;
implement firewalls and virus scanning tools to stop viruses and unauthorised access to our systems;
destroy and de-identify data when it is no longer required.
However, we cannot guarantee the security of your information.
How long we keep your information
We keep your personal information only for as long as it is needed for the purposes set out in this Privacy Policy, or for as long as we are required to retain it under law. As a financial services provider, we are generally required to keep advice and anti-money laundering records for at least seven years. When your information is no longer needed and we are no longer required to retain it, we take reasonable steps to securely destroy or de-identify it.
Notifiable data breaches
If we become aware of a data breach involving your personal information that is likely to result in serious harm, we will take action to contain and assess it, and we will notify you and the Office of the Australian Information Commissioner as required under the Notifiable Data Breaches scheme.
Rights to access your information or seek correction
You can access the personal information we hold about you by contacting us using the information below. Sometimes, we may not be able to provide you with access to all of your information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your information.
If you think that any information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected.
Right to remain anonymous
You can choose not to provide us with personal information. However, if you do this, we may not be able to provide you with any products or services.
How to complain
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within 30 days.
If you are not satisfied with how we have dealt with your complaint you can contact the Office of the Australian Information Commissioner using any of the following details:
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
www.oaic.gov.au
Contact us
For further information about our Privacy Policy or privacy practices, to access or correct your information, or make a complaint, please contact us using the details set out below:
Privacy Officer
RightTrac Planning Pty Ltd
7 Laurie Drive Iluka NSW 2466
Email: admin@righttracplanning.com.au
Phone: +61 752 308 316