"Professional  advice  that  everyone needs"

Important Information

General Advice Warning

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

Terms & Conditions

These are the terms and conditions for use of this site and access to the information contained on this site.

  1. Madison Financial Group Pty Ltd and its authorised representatives:

    (a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
    (b) may change and update the information from time to time;
    (c) make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and
    (d) own the copyright in the information on this site.

  2. Any trademarks appearing on this site are the trademarks of Madison Financial Group Pty Ltd. Users must not use or reproduce any of the trademarks that appear on this site.
  3. Users of this site must not:

    (a) do anything to alter or modify the information on this site;
    (b) use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
    (c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
    (d) post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

  4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.
  5. The information contained on this site is made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments.
  6. Madison Financial Group Pty Ltd are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Madison Financial Group Pty Ltd.
  7. All references on this site to "$" or "dollars" are references to Australian currency unless otherwise stated.
  8. Users of this site agree to indemnify Madison Financial Group Pty Ltd from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.
  9. Madison Financial Group Pty Ltd do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. Madison Financial Group Pty Ltd can reproduce, use, disclose and distribute the information to others in their absolute discretion.
  10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation betweenMadison Financial Group Pty Ltd and other organisation (unless otherwise expressly stated). Madison Financial Group Pty Ltd does not control and is not responsible for the content of any other site accessed via this site.
  11. You consent toMadison Financial Group Pty Ltd monitoring your use of this site.

Privacy Policy

The privacy of your personal information has always been important to us at Bemrose Life Pty Ltd. In addition to complying with existing laws that govern confidential information that you provide to us, we are also required to comply with the National Privacy Principles. We will always seek to comply with the National Privacy Principles as well as other applicable laws affecting your personal information.

This privacy policy outlines our policy on how we manage your personal information. It also sets out generally what sort of personal information we hold, for what purposes and how we collect, hold, use and disclose that information.

Collecting Your Personal Information

Your personal information will be collected and held by Bemrose Life Pty Ltd, who is an authorised representative of Madison Financial Group Pty Ltd, an Australian Financial Services Licensee, who does not act in the capacity of an authorised representative in relation to securities:

The personal information collected may include sensitive information such as health information and memberships of professional or trade associations.

If it is reasonable and practicable we will only collect your personal information from you. Generally your personal information will be collected when you meet with your adviser in person, provide your adviser with information over the telephone or with written material. We may need to collect personal information from third parties such as your accountant.

How Your Personal Information is Held

Your personal information is generally held in client files or a computer database. Your personal information may also be held in a secure archiving facility.

We will seek to ensure that we take reasonable steps to ensure that the personal information that we hold is protected from misuse and loss and from unauthorised access, modification and disclosure. Some of the measures that we have adopted are having facilities for the secure storage of personal information, having secure offices and access controls for our computer systems.

We will also take reasonable steps to destroy or permanently de-identify personal information that we no longer need for any purpose for which may be used or disclosed under the National Privacy Principles.

Using and Disclosing Your Personal Information

Your personal information may be disclosed for purposes related to the provision to you of the financial advice you have requested. The types of service providers that may be provided with your personal information are:

Your personal information may also be used in connection with such purposes.
We will seek to ensure that your personal information is not used or disclosed for any purpose other than:

We may disclose your personal information to third parties who provide services to us, in which case we will seek to ensure that the personal information is held, used or disclosed consistently with the National Privacy Principles.

Accessing your Personal Information

You can gain access to your personal information that we hold. This is subject to exceptions allowed by law such as where providing you with access would have an unreasonable impact upon the privacy of others. If we deny a request for access we will provide you with the reasons for this decision. To request access please contact us  (see “Contacting Us and Privacy Issues” below).

Correcting Your Personal Information

We endeavour to take reasonable steps to ensure that the personal information that we collect, use or disclose is accurate, complete and up-to-date. If you believe that any of the personal information that we hold is not accurate, complete or up-to-date please contact us (see “Contacting Us and Privacy Issues” below) and provide us with evidence that it is not accurate, complete and up-to-date.

If we agree that the personal information requires correcting we will take reasonable steps to do so. If we do not correct your personal information we will provide you with the reasons for not correcting your personal information. If you request that we associate with the information a statement claiming that the information is not accurate, complete and up-to-date we will take reasonable steps to comply with this request.

Contacting Us and Privacy Issues

You can obtain further information on request about the way in which we manage the personal information that we hold or you can raise any privacy issues with us by contacting us on 07 3852 4853.