Privacy Policy

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Privacy Policy

March 2026
Website: https://www.wellth.financial

1. Who We Are

Wellth Pty Ltd (ACN 686 575 753) (“Wellth”, “we”, “our”, or “us”) is a Corporate Authorised Representative of Cardinal Financial Service Pty Ltd (ABN 68 151 680 223, AFSL 410109).

We are committed to protecting your privacy and the confidentiality of your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy outlines how we collect, use, disclose, store, and protect your personal information, including how you can access or correct your information and how to make a privacy complaint.

2. Our Website

Our website address is https://www.wellth.financial

When you visit our website, contact us, or use our services, we may collect personal information such as your name, email address, contact details, and any information you choose to provide.

Comments and Forms

When visitors leave comments or submit forms, we collect the data shown in the form, along with the visitor’s IP address and browser user agent string to help with spam detection.

An anonymised hash of your email address may be sent to the Gravatar service to check if you use it. The Gravatar service privacy policy is available at: https://automattic.com/privacy/.

We may also collect information through cookies and analytics tools as described below.

3. General Advice Disclaimer

Any information or content published on this website or distributed by Wellth (including newsletters, articles, and resources) is general in nature and does not take into account your personal objectives, financial situation, or needs.

Before acting on any information, you should consider its appropriateness and, if necessary, seek personal financial advice tailored to your circumstances.

This section does not form part of our privacy obligations but is included for clarity regarding the nature of information provided.

4. Information We Collect

We may collect personal and sensitive information reasonably necessary to provide financial services, including:

  • Identification and contact details
  • Financial, employment, and lifestyle information
  • Information about your financial goals and objectives
  • Tax File Number (if you consent to its use and where permitted by law)
  • Records of communications and advice provided

We only collect personal information by lawful and fair means, and generally directly from you, unless it is unreasonable or impractical to do so.

Where appropriate, we will take reasonable steps to notify you of the collection of your information and the purposes for which it is collected.

We may obtain information (with your authority) from your accountant, superannuation fund, or other advisers.

5. How We Use Your Information

We use your personal information to:

  • Provide financial advice and related services
  • Establish and manage your relationship with us
  • Meet legal and regulatory obligations
  • Communicate with you about your plan, products, or services
  • Provide updates, insights, or general financial education materials
  • Improve our website, services, and client experience

We may also use your information for marketing purposes; however, you can opt out of marketing communications at any time by contacting us.

We will not use or disclose your personal information for purposes other than those for which it was collected unless permitted by law.

6. How We Store and Protect Your Information

Your information is stored securely in electronic or paper form, protected by password and access controls, encryption, and other appropriate measures to prevent unauthorised access, misuse, or loss.

We may use reputable third-party service providers for data storage or processing (including cloud storage) in Australia or overseas, and we take reasonable steps to ensure that any overseas recipients handle your information in accordance with Australian privacy law or equivalent protections.

7. Who We Share Your Information With

We may share your personal information with:

  • Cardinal Financial Service Pty Ltd (our AFSL holder)
  • Product providers, insurers, and platform administrators
  • IT, compliance, and administrative service providers
  • Government bodies or regulators as required by law

We do not sell or rent personal information to third parties.

We only disclose personal information where it is reasonably necessary to provide our services or to comply with legal obligations.

If you request a password reset through our website, your IP address may be included in the reset email for security purposes.

8. Cookies and Website Analytics

Our website uses cookies to enhance your browsing experience and collect aggregated data about site traffic and usage.

Cookies help us remember your preferences and improve our site. You can adjust your browser settings to refuse cookies, though some features may not function properly.

Third-party embedded content (e.g. videos, maps, articles) may collect data through cookies and tracking tools as if you visited their website directly. We encourage you to review their privacy policies.

We do not use cookies to identify you personally unless you choose to provide your information.

9. Accessing and Correcting Your Information

You can request access to the personal information we hold about you, or request corrections if you believe it is inaccurate, incomplete, or out of date.

To make a request, please contact us using the details below. We may need to verify your identity before providing access or making changes.

We will not charge a fee for making a request, however a reasonable administrative fee may apply for providing access in certain circumstances.

10. How to Make a Privacy Complaint

If you have concerns about how we have handled your personal information, please contact us in writing.

We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.

If you are not satisfied with our response, you may refer your complaint to the:

Office of the Australian Information Commissioner (OAIC)

Website: www.oaic.gov.au

Phone: 1300 363 992

11. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.

We encourage you to review this policy periodically.

12. Contact Us

Wellth Pty Ltd
Attention:                  The Privacy Officer
Email:                         privacy@wellth.financial
Phone:                       1800 870 860
Postal Address:        PO Box 3074 DENDY VIC 3186
Website:                    https://www.wellth.financial