Privacy Policy & Terms

Any information provided to you by Wealth By Michael is not Financial or Credit Advice. You must read the following Privacy Policy and Terms and Conditions before submitting your Enquiry Form to understand how your information is used, collected and shared.

Wealth by Michael values and respects the privacy of the people we deal with. Wealth by Michael is committed to protecting your privacy and complying with the Privacy Act 1988 (Cth) and other applicable privacy laws and regulations.

This Privacy Policy describes how we collect, hold, use and disclose your personal information, and how we maintain the quality and security of your personal information.

Personal information means any information or opinion, whether true or not, and whether recorded in a material form or not, about an identified individual or an individual who is reasonably identifiable. This includes information or an opinion that identifies you either directly or indirectly.

The personal information we collect depends on the nature of your dealings with us or what you choose to share. It may include your name, mailing or street address, date of birth, email address and phone number.

Under certain circumstances, Wealth by Michael may need to collect sensitive information. We will do so only with your consent, where necessary to prevent a serious and imminent threat to life or health, or as otherwise required or authorised by law.

You do not have to provide personal information. However, if you choose to interact anonymously, by a pseudonym, or not provide information, we may not be able to provide services or otherwise interact with you.

We collect personal information directly from you when you interact with us over the phone, in person, online or through our website; participate in surveys or questionnaires; attend a Wealth by Michael event; subscribe to a mailing list; or apply for a position as an employee, contractor or volunteer.

We collect personal information for the primary purpose of connecting you to a mortgage broker, real estate agent, buyer agent, house and land agent or settlement agent, providing information to our clients and marketing. By agreeing to these terms and conditions, you give permission to agents and/or brokers to receive your personal information and contact you with the information you provided.

We may use personal information to provide information or services you request, deliver a more personalised experience and service offering, improve service quality, for internal administrative purposes, and for marketing and research. We may receive an upfront fee and/or commission to support customer enquiries to aggregators, brokers and agents. You may unsubscribe from mailing or marketing lists at any time by contacting us in writing.

We may disclose your personal information to third parties in accordance with this Policy where you would reasonably expect us to do so, including third-party service providers, marketing providers and professional services advisors.

Wealth by Michael takes reasonable steps to keep personal information confidential and secure. These measures include physical security of premises and databases or records, restricting access to personnel who need the information to provide services, and technological measures such as anti-virus software and firewalls.

The Wealth by Michael website uses cookies to recognise when your device has visited before and improve your experience. Cookies are not used to identify you. You may amend browser settings to block cookies, but this may affect website functionality.

Our website uses Google Analytics to help us understand visitor traffic and improve services. Although this data is mostly anonymous, it may in some circumstances be connected to you.

We may send direct marketing communications and information about services, opportunities or events that may interest you if you have requested or consented to receive them. These may be sent by mail, SMS, fax or email in accordance with applicable laws, including the Spam Act 2003 (Cth). You may opt out at any time by following unsubscribe instructions or contacting us.

We may also use or disclose personal information to third parties for advertising, including online behavioural advertising, website personalisation and targeted or retargeted advertising content.

We will not keep personal information longer than needed. In most cases, it is retained for the duration of your relationship with us unless law requires retention for record-keeping obligations.

If you wish to access or correct personal information we hold, contact us and we will usually respond within 7 business days. You may also contact michaelrusli.finance@gmail.com with complaints about how personal information is handled. We may require proof of identity and full details of your request before processing it.

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content, and encourage you to read their privacy policies.