Effective Date: 1 July 2025

At Ex Ante Financial (“we”, “our”, “us”), we are committed to protecting your privacy
and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, and store your personal information.

What Information We Collect

We may collect the following types of personal information:

• Identity data – name, date of birth, occupation
• Contact data – address, email address, phone number
• Financial data – tax file numbers (TFNs), bank details, financial records, superannuation details
• Transactional data – records of your transactions with us
• Technical data – IP address, browser type, device information, pages visited, cookies
• Other data – any other personal information you provide to us during communications or engagement

We do not intentionally collect sensitive information unless it is necessary for our services and you have consented (e.g. health or ethnicity information required for a government reporting obligation).

How We Collect Information

We collect personal information:

• Directly from you, via forms, meetings, calls, emails, or your use of our website
• From third parties you authorise (e.g. your accountant, solicitor, ATO, financial institution)
• Automatically when you visit our website (via cookies or analytics tools)

Why We Collect Your Information

We collect and use personal information to:

• Provide accounting, tax, and advisory services
• Verify your identity
• Communicate with you
• Process payments and manage billing
• Meet legal and regulatory obligations
• Send newsletters, updates, or promotional material (with your consent)

If you do not provide the requested information, we may not be able to provide our services to you.

Disclosure of Personal Information

We may disclose your personal information to:

• Our employees, contractors, and advisers
• Third-party service providers such as cloud storage, IT systems, accountants, or legal counsel
• Regulatory bodies such as the ATO or Tax Practitioners Board, where required
• Our insurers or professional bodies as part of compliance or audit requirements
• Offshore service providers, under strict confidentiality and oversight by a director of Ex Ante Financial
• Any party you consent to

We will not sell your personal information to third parties.

Overseas Disclosure

While most data is stored on servers located in Australia, some personal information may be processed overseas
(including but not limited to United States, United Kingdom, and Asia) for administrative or support services.
We ensure that such disclosures comply with Australian privacy laws and appropriate safeguards are in place.

Data Security

We take reasonable steps to protect your information from misuse, interference, loss, unauthorised access, modification, or disclosure. These include:

• Secure data storage and restricted access
• Use of encrypted communications where applicable
• Staff training and confidentiality agreements
• Secure document disposal and regular system updates

Access and Correction

You may request access to, or correction of, your personal information by contacting us (details below).
We will respond within a reasonable timeframe and may ask you to verify your identity.
In some cases, we may charge a reasonable fee for access.

Cookies and Website Analytics

We use cookies and analytics tools (e.g. Google Analytics) to improve your experience and monitor site performance.
These tools may collect information such as:

• Your device type and browser
• Your IP address
• Pages visited and time spent on site

You can modify your browser settings to disable cookies, though some website features may not work properly as a result.

Marketing Communications

With your consent, we may send you updates, newsletters, or promotional content.
You can unsubscribe at any time by clicking the “unsubscribe” link or contacting us directly.

How to Make a Complaint

If you believe your privacy has been breached, please contact us using the details below.
We take complaints seriously and will investigate and respond as quickly as possible.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992

Contact Us

Ex Ante Financial

Email: [email protected]
Phone: (02) 8313 5488
Address: PO Box 358, Concord NSW 2137
Website: www.exantefinancial.com.au

Changes to This Policy

We may update this Privacy Policy from time to time.
Any changes will be posted on this page with an updated “Effective Date.”
We encourage you to review it periodically.