Established in 1986

+61 3 9587 5188

Privacy Policy

Effective date: 1 November 2024

Read about how Lowe Financial Group Pty Ltd ABN 40 064 756 216 and G & G Personal Insurance Advisers Pty Ltd ABN 59 669 752 694 (us, we or our) collect, protect, use and share 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.

This Privacy Policy also incorporates our Credit Reporting Policy which sets out how we use any credit information we collect.

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).

Credit information is personal information that is collected in connection with a credit application. This includes identification information, default information or repayment history information.

In this Privacy Policy we use the term personal information to refer to both personal information and credit information.

The information we may collect (and hold) about you includes:

  • Name, address, email address, date of birth, phone number(s);
  • Information about dependents or family members;
  • Accounting and financial information;
  • Occupation, employment history and details;
  • Family commitments and social security eligibility;
  • Financial needs and objectives;
  • Superannuation and insurance details;
  • Risk profile details;
  • 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 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;
  • Suppliers and service providers in connection with providing our products and services;
  • Your advisers;
  • Banks, financial institutions and other financial product providers;
  • Superannuation funds;
  • Life insurance companies;
  • Public sources.

We collect information when you:

  • Visit our website;
  • Submit application forms with us;
  • Participate in a 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 send you information about events, products, services and opportunities that may be of interest to you;
  • 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 pursuant to the Anti-Money Laundering and Counter-Terrorism Financing Act (AML 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;
  • Life insurance companies;
  • 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.

Information that we provide to other people will be handled in accordance with their privacy policy.

Sharing (disclosing) your information outside Australia

We do not share (disclose) your personal information outside of Australia.

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.

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.

Do we disclose credit information to credit reporting bodies (CRB)?

We do not disclose any of your credit information to credit reporting bodies including for the purpose of requesting a credit check on you.

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 a reasonable period of time.

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

https://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

T: 03 9587 5188

E: advice@ggpia.com.au

A: PO Box 278 Braeside VIC 3195

Lowe Financial Group Are Experts In Risk Insurance. We Are Committed To Working With Our Clients To Provide Tailored Insurance Solutions.

Details

Phone: 1300 725 996

Address: 3 Citrus Street PO BOX 278 Braeside, Victoria, 3195

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Leanne Weston

Client Services Officer

We were delighted to welcome Leanne to our team in late 2023. With an impressive 16 years of experience at MLC under her belt, Leanne’s previous industry experience has facilitated a smooth transition into her role of Client Service Officer at Lowe Financial Group. Leanne excels in delivering friendly and helpful service to our clients. She works diligently alongside Fiona in the areas of New Business and administration, and together, they ensure the exceptional service we deliver to all our clients.

Jack Lowe

Client Services Officer

Following in the family footsteps, Jack joined the LFG team in November of 2022 following successful completion of his VCE studies. Jack has confidently found his place within our team, assisting in the advice preparation process by liaising with clients and insurers alike, ensuring that our files are complete and that they paint a picture of your circumstances accurately – a vital step in allowing LFG to provide you with the tailored and specialised advice we pride ourselves on. Jack is also undertaking a Bachelor of Business at Deakin University and has demonstrated his eagerness to continue to learn and develop.

Fiona Toulis

Client Services Officer

LFG enthusiastically welcomed Fiona to our team in 2023. Joining us as a Client Service Officer, Fiona brings a wealth of experience in customer service from both Australia and New Zealand, enabling her to deliver exceptional levels of service and support to our clients in both New Business and administrative functions. You are likely to hear Fiona’s friendly Kiwi accent if you call into our office, and she’s always willing to assist should you require any information or assistance regarding your risk insurance portfolio.

Sarah Lowe

Operations

Sarah represents the third generation of the Lowe family to join LFG. Upon commencement in the business during 2020, the peak of a global pandemic, Sarah dedicated her time and effort to the delivery of great customer service with her ever-sunny disposition. After graduating with a Bachelor of Business in 2021, Sarah has since used her prior studies and concentrated on overseeing LFG’s business operations, marketing, and social media, along with the training and development of our newest team members. Sarah continues to further her learning, as she is currently undertaking a Graduate Diploma in Financial Planning alongside Ged, demonstrating her commitment to the delivery of positive outcomes for our clients.

Grace O’Neill

Partner & Client Relationship Manager

Grace became part of the LFG team in 2019 and took great pride in becoming a partner in July 2024. Beginning her career providing customer service to our clients, Grace’s role transitioned as she began joining Ged in all client and referral partner meetings, whilst also assisting in the delivery of required outcomes for our clients and business. Grace’s dedication to the company and enthusiasm for the field prompted her to switch her studies from a Bachelor of Legal & Dispute Studies to a Bachelor of Commerce, majoring in Financial Planning. Additionally, Grace is undergoing her professional year and is enthusiastic about becoming a Risk Adviser once it concludes.

Gerard Lowe

Director

Meet Gerard (Ged) Lowe, a cornerstone of Lowe Financial Group (LFG) since 1988. From beginning work in the industry and business alongside his father, Peter Lowe, Ged has risen to become one of Australia’s leading Risk Insurance Advisers. His extensive knowledge, experience, and dedication to the industry, coupled with his strong relationships with top insurers, enable him to deliver unparalleled advice and tailored insurance solutions for our clients. Ged’s passion for risk insurance is evident in his active participation on advisory councils and his mentorship of the next generation of advisers. Ged continues to be passionate about his work and is currently furthering his education through a Graduate Diploma of Financial Planning at Deakin University to enhance his expertise and continue providing the highest level of service and advice to LFG clients.