Privacy Policy

Campbell Cashflow is operated by Peter Campbell, a qualified financial adviser based in Melbourne, Australia. We provide cashflow coaching and financial advisory services to professional individuals and couples.

When we refer to "Campbell Cashflow", "we", "us", or "our" in this policy, we mean Peter Campbell trading as Campbell Cashflow. You can contact us at:

Email: peter@campbellcashflow.com
Phone: 0451 300 064
Location: Melbourne, Victoria, Australia

We collect personal information that you provide directly to us, including:

• Name, email address, and phone number when you book a call or make an enquiry
• Financial information you choose to share during our coaching sessions
• Payment information processed securely through our payment provider
• Communications between us including emails and session notes
• Information you provide when completing any onboarding forms or questionnaires

We may also collect limited technical data when you visit our website, such as IP address, browser type, and pages visited, through standard web analytics tools.

We use your personal information to:

• Deliver our cashflow coaching and financial advisory services
• Respond to your enquiries and schedule appointments
• Process payments for our services
• Send you service-related communications and session summaries
• Comply with our legal and regulatory obligations as a financial adviser
• Improve our services and website experience

We will never sell your personal information to third parties. We do not use your information for unsolicited marketing without your explicit consent.

We process your personal information on the following grounds:

• Contract: Processing necessary to deliver the services you have engaged us for
• Legal obligation: Compliance with Australian consumer and privacy laws
• Legitimate interests: Operating and improving our business in ways that do not override your rights
• Consent: Where you have explicitly agreed, such as receiving marketing communications

We may share your information with trusted third parties only where necessary:

• Scheduling and calendar tools used to manage appointments
• Payment processors to handle transactions securely
• Cloud storage providers for secure document management
• Our professional advisers (accountants, lawyers) under strict confidentiality
• Regulatory bodies, where legally required

All third-party providers are required to handle your data in accordance with applicable privacy laws.

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. We retain certain client records for a minimum of 7 years in accordance with applicable Australian law.

When your data is no longer required, we will securely delete or anonymise it.

Under the Australian Privacy Act 1988 and the Privacy Principles, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your information (subject to legal retention requirements)
• Withdraw consent for any optional processing
• Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

To exercise any of these rights, please contact us at peter@campbellcashflow.com. We will respond within 30 days.

We take the security of your personal information seriously. We implement appropriate technical and organisational measures to protect your data against unauthorised access, loss, or disclosure, including encrypted storage, secure communications, and restricted access controls.

While we take all reasonable steps to protect your information, no method of transmission over the internet is 100% secure. If you have concerns about a specific security matter, please contact us immediately.

Our website uses basic cookies to understand how visitors interact with our site. These are analytics cookies only, we do not use advertising or tracking cookies. You can disable cookies in your browser settings, though this may affect some website functionality.

We may update this Privacy Policy from time to time. We will notify existing clients of material changes by email. The current version will always be available on our website with the date it was last updated.

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

Email: peter@campbellcashflow.com
Phone: 0451 300 064

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.