Cadre Capital Partners Pty Ltd
ABN 13 628 146 314
Corporate Authorised Representative No. 1272435 of Cadre Corporate Pty Ltd, AFSL 527099

Effective date: 1 September 2026
Last updated: 1 September 2026

1. Our commitment to privacy

Cadre Capital Partners Pty Ltd (“Cadre Capital”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, hold, use and disclose personal information and how you may access or correct your information or make a privacy complaint.

We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other laws and professional obligations applying to our financial advice and related services.

Cadre Capital is a Corporate Authorised Representative of Cadre Corporate Pty Ltd. We may share personal information with Cadre Corporate where reasonably necessary for licensing, compliance, supervision and the provision of financial services.

2. What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

Some personal information is classified as sensitive information and receives additional protection. This includes health information and information about a person’s racial or ethnic origin, religious beliefs, sexual orientation, professional memberships or criminal record.

3. The information we collect

The personal information we collect depends on your relationship with us and the services you request. It may include:

• Your name, date of birth, gender and contact details

• Your residential status, citizenship and tax residency

• Identification documents, including driver licence and passport details

• Your tax file number, where collection is authorised and reasonably necessary

• Employment and business information

• Details of your income, expenses, assets and liabilities

• Bank-account, investment, superannuation and pension information

• Insurance policies, claims history and insurance needs

• Family, dependant, beneficiary and estate-planning information

• Financial objectives, priorities and risk tolerance

• Information about companies, trusts, partnerships and self-managed superannuation funds with which you are associated

• Health or lifestyle information relevant to insurance or financial advice

• Records of our communications, meetings, advice and services

• Complaints and feedback

• Information provided through our website, enquiry forms, questionnaires or assessments

• Website and technical information, such as your IP address, browser, device, pages visited and cookie data

• Any other information reasonably necessary to provide our services or comply with our legal obligations.

Where you provide us with personal information about another person, you should ensure that you are authorised to do so and, where appropriate, make that person aware of this Privacy Policy.

4. How we collect personal information

We generally collect personal information directly from you, including when you:

• Contact us or submit a website enquiry

• Attend a meeting or speak with us by telephone or video conference

• Complete a questionnaire, application, authority or other form

• Request or receive financial advice or another service

• Communicate with us by email, post or another electronic channel

• Use our website, client portal or digital services

• Participate in a survey, event or promotional activity.

We may also collect information from third parties where you have authorised us, where you would reasonably expect us to do so, or where permitted by law. These third parties may include:

• Your spouse, family members, representatives or professional advisers

• Cadre Corporate Pty Ltd and its compliance service providers

• Financial advisers, accountants, lawyers and mortgage brokers

• Employers and business associates

• Banks, insurers, superannuation funds, investment platforms and product providers

• Government agencies, regulators and public registers

• Identity-verification and fraud-prevention services

• Referral partners and other organisations with which you deal.

If we receive unsolicited personal information, we will determine whether we could lawfully have collected it. If not, we will destroy or de-identify it where lawful and reasonable.

5. Why we collect, hold, use and disclose information

We may collect, hold, use and disclose personal information to:

• Respond to enquiries and communicate with you

• Understand your circumstances, objectives and needs

• Assess whether we can provide you with a service

• Prepare, provide, implement and review financial advice

• Assist with investments, superannuation, retirement planning, insurance, estate planning and related services

• Establish and administer client accounts and investment structures

• Liaise with product providers and other professional advisers

• Verify your identity and prevent fraud or unlawful activity

• Manage our client relationship and provide ongoing service

• Process payments, fees and insurance commissions

• Maintain records and meet licensing, audit and compliance obligations

• Manage complaints and resolve disputes

• Operate, secure and improve our business, website and technology

• Send service communications and, where permitted, information about services that may interest you

• Comply with legal, regulatory and professional obligations

• Protect our rights and the safety or rights of other people.

If we cannot collect information that is reasonably necessary, we may be unable to provide advice or other requested services.

6. Sensitive information

We will only collect sensitive information where:

• You consent and the information is reasonably necessary for our functions or activities;

• Collection is required or authorised by law; or

• Another exception under applicable privacy law applies.

For example, we may collect health information with your consent when assessing insurance needs or assisting with an insurance application.

7. How we disclose personal information

We may disclose personal information, where reasonably necessary, to:

• Cadre Corporate Pty Ltd as our authorising Australian Financial Services Licensee

• Our directors, employees, advisers and authorised representatives

• Financial-product issuers, banks, investment platforms, superannuation trustees and insurers

• Accountants, lawyers, auditors, paraplanners and other professional advisers

• Technology, document-management, data-storage, communication and cybersecurity providers

• Identity-verification, screening and fraud-prevention providers

• Administrative, mailing, printing and records-storage providers

• Referral partners, with your authority or where otherwise permitted

• Regulators, government agencies, courts, tribunals, law-enforcement bodies and dispute-resolution schemes

• A purchaser or successor in connection with a proposed or completed business sale, restructure or transfer

• Other parties where you have consented or where disclosure is required or authorised by law.

We do not sell personal information.

8. Overseas disclosures

Some service providers or product providers we use may store, process or access personal information outside Australia.

At the date of this policy, personal information may be disclosed to recipients located in [insert all countries that apply—for example, the United States, United Kingdom, New Zealand, India, Singapore or the Philippines].

The countries involved may change depending on the providers relevant to your circumstances. Where practicable, we will take reasonable steps to ensure overseas recipients handle personal information consistently with applicable Australian privacy requirements.

Cadre must confirm this section against its advice software, CRM, cloud storage, email, paraplanning, investment and insurance providers before publication.

9. Direct marketing

We may use your contact details to tell you about services, insights or events that we reasonably believe may interest you, where permitted by law.

You may opt out at any time by:

• Using the unsubscribe facility in an electronic communication; or

• Contacting us using the details below.

Opting out of marketing will not prevent us from sending communications necessary to provide services or meet legal obligations.

10. Our website and cookies

When you use our website, we may collect technical information such as your IP address, browser type, device information, referring website, pages visited and the date and time of access.

We may use cookies and similar technologies to operate the website, remember preferences, understand website usage, improve performance and protect against misuse.

You may configure your browser to reject or delete cookies. Some website functions may not operate correctly if cookies are disabled.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites.

Cadre must ensure this section identifies any analytics, advertising pixels or embedded third-party services actually used on the website.

11. Security and retention

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

Our safeguards may include:

• Access controls and authentication

• Secure systems and service providers

• Staff confidentiality obligations and privacy training

• Physical and electronic security

• Backup, monitoring and incident-response processes

• Secure disposal or de-identification when information is no longer required.

No electronic or physical security system is completely secure. If an eligible data breach occurs, we will respond in accordance with the Notifiable Data Breaches scheme and other applicable requirements.

We retain personal information for as long as reasonably necessary to provide our services and meet legal, regulatory, licensing and professional record-keeping obligations. When it is no longer required, we will take reasonable steps to destroy or de-identify it, unless the law permits or requires continued retention.

12. Accessing or correcting your information

You may ask to access personal information we hold about you or request that inaccurate, out-of-date, incomplete, irrelevant or misleading information be corrected.

To make a request, contact our Privacy Officer using the details below. We may ask you to verify your identity.

We will respond within a reasonable period. We will not charge you for making a request, although we may charge reasonable costs associated with providing access where permitted by law.

In some circumstances, the law allows us to refuse access or correction. If we refuse a request, we will generally provide written reasons and explain the available complaint options.

13. Privacy complaints

If you believe we have mishandled your personal information or breached this policy or the Australian Privacy Principles, please contact our Privacy Officer.

Your complaint should include enough information for us to understand and investigate the issue. We will:

1. Acknowledge your complaint within a reasonable period;

2. Investigate it fairly and objectively; and

3. Aim to provide a written response within 30 days.

If you are dissatisfied with our response, you may contact:

Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Telephone: 1300 363 992

Depending on the nature of the complaint, you may also be entitled to contact the Australian Financial Complaints Authority:

Australian Financial Complaints Authority
Website: www.afca.org.au
Telephone: 1800 931 678

14. Contact us

For questions, access or correction requests, or privacy complaints, contact:

Privacy Officer
Cadre Capital Partners Pty Ltd
Level 1, Suite 4
333 Whitehorse Road
Balwyn VIC 3103

Postal address: PO Box 88, Balwyn VIC 3103
Telephone: (03) 9034 5071
Email: [insert monitored privacy email address]

15. Changes to this policy

We may update this Privacy Policy when our practices, services, providers or legal obligations change.

The current version will be published on our website and will show its effective date and most recent update date. Material changes may also be communicated through other appropriate channels.