This Privacy Policy sets out our commitment to protecting the privacy of personal information provided to us, or otherwise collected by us, offline or online, including through our website (Site). In this Privacy Policy the use of BJT Financial, we, us or our means BJT Financial Services Pty Ltd (ABN 95 147 374 454).
Personal Information
The types of personal information we may collect about you include:
- your name
- your contact details, including email address, mailing address, street address and/or telephone number
- your age and/or date of birth
- payment-related information (we use third-party payment processors, such as Stripe, and do not store your full credit or debit card details on our systems)
- your demographic information, such as postcode
- your preferences and/or opinions
- information you provide to us through customer surveys
- details of products and services we have provided to you and/or that you have enquired about, and our response to you
- your browser session and geo-location data, device and network information, statistics on page views and sessions, acquisition sources, search queries and/or browsing behaviour
- information about your access and use of our Site, including through the use of Internet cookies, your communications with our Site, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider
- additional personal information that you provide to us, directly or indirectly, through your use of our Site, associated applications, associated social media platforms and/or accounts from which you permit us to collect information
- any other personal information requested by us and/or provided by you or a third party
We may collect these types of personal information directly from you or from third parties.
Collection and Use of Personal Information
We may collect, hold, use and disclose personal information for the following purposes:
- to enable you to access and use our Site, associated applications and associated social media platforms
- to contact and communicate with you
- for internal record keeping and administrative purposes
- for analytics, market research and business development, including to operate and improve our Site, associated applications and associated social media platforms
- for advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
- to comply with our legal obligations and resolve any disputes that we may have
- to consider your employment application
Disclosure of Personal Information to Third Parties
We may disclose personal information to:
- third party service providers for the purpose of enabling them to provide their services, including IT service providers, data storage, web-hosting and server providers, debt collectors, maintenance or problem-solving providers, marketing or advertising providers, professional advisors and payment systems operators
- our employees, contractors and/or related entities
- our existing or potential agents or business partners
- anyone to whom our business or assets (or any part of them) are, or may (in good faith) be, transferred
- courts, tribunals, regulatory authorities and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise or defend our legal rights
- third parties, including agents or sub-contractors, who assist us in providing information, products, services or direct marketing to you
- third parties to collect and process data, such as Google Analytics or other relevant businesses
Overseas Disclosure of Personal Information
In the course of providing our services, we may store, transfer or allow access to your personal information outside Australia. This typically occurs because the cloud-based platforms, software tools and service providers we use to operate our business – including practice management, customer relationship management, document storage, email, marketing, analytics and artificial intelligence tools – are hosted or operated by providers located outside Australia, or which rely on sub-processors located outside Australia.
We will only disclose personal information overseas in accordance with the Australian Privacy Principles. Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure that the recipient does not breach the Australian Privacy Principles in relation to that information, including by selecting providers that offer enforceable contractual protections (such as data processing agreements) requiring the recipient to handle personal information consistently with the standards required under the Privacy Act 1988 (Cth).
If you would like further information about our overseas service providers or the safeguards we have in place, please contact our Privacy Officer using the details at the end of this Privacy Policy.
Use of Artificial Intelligence and Third-Party Tools
We use artificial intelligence ("AI") tools and services provided by third parties to help us deliver and improve our services. These tools may collect, process or store personal information that you share with us, or that is generated in the course of our engagement with you, including the contents of communications, meetings, documents and records.
We may use AI tools for purposes including:
- recording, transcribing and summarising meetings, calls and voice notes;
- analysing financial, commercial or operational information you provide to us;
- preparing, drafting and reviewing documents, correspondence and working papers;
- assisting with research, calculations and report preparation;
- supporting client communications and follow-up; and
- operating, monitoring, securing and improving our internal systems, workflows and service quality.
We select AI tools that are provided on commercial or enterprise terms which restrict the provider's use of your personal information to the purpose of delivering the relevant service to us. AI-generated outputs are subject to review by our personnel before being relied on in the delivery of professional services.
If you have any questions about the AI tools we use, would like to request that AI not be used in a specific aspect of our engagement with you (where reasonably practicable), or wish to raise any concerns regarding AI use, please contact our Privacy Officer using the details at the end of this Privacy Policy. Some functionality may be limited if AI tools are not used.
How We Treat Personal Information That Is Also Sensitive Information
Sensitive information is a subset of personal information that is given a higher level of protection under the Australian Privacy Principles. Sensitive information means information relating to your racial or ethnic origin, political opinions, religion, trade union or other professional associations or memberships, philosophical beliefs, sexual orientation or practices, criminal records, health information or biometric information.
We do not generally collect sensitive information about you unless it is required to provide our services or is required or authorised by law. Where we do collect sensitive information, we will only do so with your consent (where consent is required under the Australian Privacy Principles) and will handle it in accordance with this Privacy Policy.
Rights and Controlling Your Personal Information
Choice and consent: Please read this Privacy Policy carefully. By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of this Site or the products and/or services offered on or through it.
Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this Privacy Policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person's consent to provide the personal information to us.
Restrict: You may choose to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.
Access: You may request details of the personal information that we hold about you. An administrative fee may be payable for the provision of such information. In certain circumstances, as set out in the Privacy Act 1988 (Cth), we may refuse to provide you with personal information that we hold about you.
Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading or out of date.
Complaints: If you believe that we have breached the Australian Privacy Principles and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint.
Unsubscribe: To unsubscribe from our e-mail database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.
Storage and Security
We are committed to ensuring that the personal information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
We retain personal information for as long as necessary to fulfil the purposes set out in this Privacy Policy and to comply with our legal, regulatory and professional obligations, including record-keeping requirements under tax, corporations and anti-money laundering laws. When we no longer require your personal information for these purposes, we will take reasonable steps to destroy or de-identify it.
If we become aware of an eligible data breach as defined under the Privacy Act 1988 (Cth), we will comply with our obligations under the Notifiable Data Breaches scheme, including notifying affected individuals and the Office of the Australian Information Commissioner where required.
We cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that the personal information we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.
Cookies and Web Beacons
We may use cookies on our Site from time to time. Cookies are text files placed in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns. If and when you choose to provide our Site with personal information, this information may be linked to the data stored in the cookie.
We may use web beacons on our Site from time to time. Web beacons (also known as Clear GIFs) are small pieces of code placed on a web page to monitor the visitor's behaviour and collect data about the visitor's viewing of a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.
Links to Other Websites
Our Site may contain links to other websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites. Those websites are not governed by this Privacy Policy.
Amendments
We may, at any time and at our discretion, vary this Privacy Policy by publishing the amended Privacy Policy on our Site. We recommend you check our Site regularly to ensure you are aware of our current Privacy Policy.
For any questions or notices, please contact our Privacy Officer at: hello@bjtfinancial.com.au
Last update: 14 May 2026