Email Disclaimer
It is the responsibility of the recipient to scan this e-mail for viruses. This e-mail and its attachments are private and confidential and may contain copyright material of Ripple Concepts Pty Ltd, Ripple Capital Solutions Pty Ltd and Ripple Property Pty Ltd. It is supplied as a service and for the information of the addressee only and may not be used by any other person(s), Company or business without the written approval of Ripple Concepts Pty Ltd, Ripple Capital Solutions Pty Ltd and Ripple Property Pty Ltd. If you are not the intended recipient, please notify the sender and delete all copies of this message. While all care has been taken to ensure that this e-mail and the information and material contained within this e-mail contain no computer viruses, we cannot guarantee that this e-mail is virus free. This email transmission may contain confidential information. If you have received this transmission in error, please notify us immediately at admin@ripplegroup.co or by reply email to the sender. You must destroy the email immediately and not use, copy, distribute or disclose the contents.
Cyber risk warning Disclaimer
There is a significant risk posed by cyber fraud, specifically affecting email accounts and bank account details. As protective measures against cybercrime, please note that our bank account details will not change during the course of a transaction and we will not notify you of any changes to our bank details via email. Always independently confirm bank account details and transfer instructions with our Accountant in person or via a telephone call to a trusted and verified phone number before making a bank transfer payment meant for us. In the event of any loss of funds which is not due to the negligence of Ripple Concepts Pty Ltd, Ripple Capital Solutions Pty Ltd and Ripple Property Pty Ltd, we will not be liable for any loss or damages that may be suffered directly or indirectly as a result of any money which belongs to you not being received by you in which we shall be released from all and any claims, loss or liability incurred.
Privacy Policy
Ripple Concepts Pty Ltd, Ripple Capital Solutions Pty Ltd and Ripple Property Pty Ltd and their related bodies corporate (“Ripple”, “we”, “our” or “us”) are committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.
We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The NPPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.
A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.
What is Personal Information and why do we collect it?
Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect includes names, addresses, email addresses, phone and facsimile numbers.
This Personal Information is obtained in many ways including interviews, correspondence, by telephone and facsimile, by email, via our website www.ripplegroup.co, from your website, from media and publications, from other publicly available sources, from cookies and from third parties. We don’t guarantee website links or policy of authorised third parties.
We collect your Personal Information for the primary purpose of providing our services to you, providing information to our clients and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, in circumstances where you would reasonably expect such use or disclosure. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.
When we collect Personal Information we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.
Sensitive Information
Sensitive information is defined in the Privacy Act to include information or opinion about such things as an individual's racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.
Sensitive information will be used by us only:
• For the primary purpose for which it was obtained
• For a secondary purpose that is directly related to the primary purpose
• With your consent; or where required or authorised by law.
Third Parties
Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.
Disclosure of Personal Information
Your Personal Information may be disclosed in a number of circumstances including the following:
• Third parties where you consent to the use or disclosure; and
• Where required or authorised by law.
Security of Personal Information
Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorized access, modification or disclosure.
When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.
Access to your Personal Information
You may access the Personal Information we hold about you and to update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing.
Ripple Concepts Pty Ltd, Ripple Capital Solutions Pty Ltd and Ripple Property Pty Ltd and their related bodies corporate (“Ripple”, “we”, “our” or “us”) will not charge any fee for your access request, but may charge an administrative fee for providing a copy of your Personal Information.
In order to protect your Personal Information we may require identification from you before releasing the requested information.
Maintaining the Quality of your Personal Information
It is an important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete and up-to-date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.
Policy Updates
This Policy may change from time to time and is available on our website.
Privacy Policy Complaints and Enquiries
If you have any queries or complaints about our Privacy Policy please contact us at:
Ripple Group’s Privacy Officer
19/76 Doggett Street, Newstead QLD 4006
admin@ripplegroup.co