Bent Not Broke and Cultiver Financial Consulting is owned by Malvie Pty Ltd and is referred to as, ‘we’, ‘our’ or ‘us’. Bent Not Broke and Cultiver Financial Consulting holds copyright over the contents of the website unless indicated otherwise. Bent Not Broke and Cultiver Financial Consulting shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these terms of use without notice or liability to you. Any changes to these terms of use shall take effect immediately.

Your use of, or access to Bent Not Broke or Cultiver Financial Consulting and the Services provided by Cultiver Financial Consulting is conditional upon your acceptance and compliance with the terms, conditions and disclaimers (“terms of use”) contained within this document and elsewhere on this website.

Website Advice Warning

This website contains general information about Bent Not Broke and Cultiver Financial Consulting services. However, unless expressly stated otherwise, this information does not constitute an offer or inducement to enter into a legally binding contract, and does not form part of the terms and conditions for Cultiver Financial Consulting services. The information provided on this website is not intended as, nor is it a substitute for, personal financial product advice. As this website has been prepared without consideration of any specific client’s investment objectives, financial situation or needs, independent professional advice should be obtained before any financial decision is made.

Reliance on Website Content

While all reasonable efforts have been made to ensure that the information contained in this website is accurate and up to date, it is not designed to provide personal financial advice. The information provided does not take into account your particular financial objectives, situation, or needs. You should not act on the basis of any information contained on the website without seeking appropriate specific advice.

While Bent Not Broke and Cultiver Financial Consulting has made every effort to ensure that the information presented in this website is free from errors or omissions and is based on information obtained from sources which are considered reliable, Cultiver Financial Consulting, its directors, employees and consultants do not represent, warrant or guarantee, expressly or impliedly, that the information contained in this website is complete, accurate or is suitable for your intended use. Nor does Cultiver Financial Consulting accept any responsibility to inform you of any matter that subsequently comes to its notice, which may affect any of the information contained in this website. No liability will be accepted by Cultiver Financial Consulting to any person for loss or damages incurred as a result of any reliance or action taken regarding the information made available in this website.

Network Integrity

While Bent Not Broke and Cultiver Financial Consulting has taken reasonable steps to ensure the integrity of our computer networks, we are unable to guarantee files and attachments are free from contamination. Before opening any attachments or emails, or downloading files from this website, visitors to the Cultiver Financial Consulting website should ensure they have precautions in place to protect against viral infection.

Linked Third Party Websites

The Cultiver Financial Consulting website may contain links to other websites, however, we do not endorse, review, approve or accept any responsibility in relation to the operators of linked third party sites or the information and material on such sites, nor the products or services offered. To the extent permitted by law, Cultiver Financial Consulting and its respective directors, officers and agents disclaim all responsibility for any loss or damage which may be suffered by any person directly or indirectly through any person’s dealings with them or by use of the website whether that loss or damage is caused by any fault or negligence on the part of Cultiver Financial Consulting, its directors, officers, employees and agents.

Indemnity

Other than any responsibilities implied by law which cannot be excluded, you agree to indemnify and hold Cultiver Financial Consulting, its affiliates, staff, employees, and agents harmless from any claim or demand, including reasonable legal fees, whatsoever arising out of or referable to material on this website or to any linked third party material, whether in contract, tort including negligence, statute or otherwise.

You expressly understand and agree that your use of the service is at your sole risk and that this website is provided on an “as is” and “as available” basis.

Jurisdiction

All information and services contained within this website are governed by and are to be construed according to the laws applicable in the State of Queensland and the Commonwealth of Australia.

Bent Not Broke helps you to take charge of your financial future. To do that, you’ll need to share some personal information with us. In this digital age, protecting your privacy and keeping your data secure is extremely important. We want you to know that we take that seriously.

The information below isn’t exciting and you probably know that we’re legally required to communicate this to you. But that’s not why we are doing this! We really do care and will do whatever it takes to keep your data, and you, safe.

Our commitment to you

Bent Not Broke and its related entities are committed to preserving your privacy and complying with the Australian Privacy Act 1988. This policy provides a summary of the type of personal information which is collected and held by Bent Not Broke, how we might disclose this information if and when required, and your rights regarding your personal information.

What is personal information?

In this document, if we use the words ‘personal information’, we mean any information about you including ‘credit information’ and ‘sensitive information’ under Australian law, as well as ‘personal data’ and other information under the General Data Protection Regulation (GDPR).

The definition of personal information under the Privacy Act 1988 is information or an opinion about an identified individual, or an individual who can be reasonably identified.

Personal information we collect

To provide you with our services, we may need to collect certain information that would be classified as personal. This may include your name, address, email address, telephone number, gender, date of birth, and other financial details. We only collect personal information with your permission.

To continuously enhance the user experience of our products, we may also collect data related to the use of our website and platform, including your IP address and the dates and times of your visits.

Why we collect your personal information

We collect personal information about you so that we can provide you with our products and services. This includes:

– providing you with our products and services

– answering your questions

– dealing with any complaints or concerns you may have; and

We also collect your ‘personal information’ so that we can contact you and provide you with information about products and services that may be of interest to you.

How we collect it

We collect your personal information in a number of ways. These can include when you:

– Contact us by telephone, by email, in writing or via our website

– Fill in a form to request information

– Attend or request to attend an event

– Create or update a user profile that includes personal information

– Apply for one of our products or services; and/or

– Apply for employment with us

When you access our website (or the associated web application) we may use ‘cookies’ to collect personal information about you. Cookies are files that are implanted in your hard drive or device to collect, store and receive identifiers and information about your usage of our website as well as information about where you are located at the time you access our website (using GPS, Bluetooth, or WiFi signals, depending on the permissions that you have granted). By using ‘cookies’ we are able to enhance and personalise our website to better suit your needs.

How do we use and disclose personal information?

Any use or disclosure of your personal information is done in accordance with Australian Privacy Laws and this Privacy Policy. The primary use of your personal information is to provide you with our Bent Not Broke services.

We will only use your personal information for the purpose it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. Your information may be used to:

– Improve and personalise our website or App for you

– Develop new features, products and services

– Notify you about new features and products

– Provide you with information about our products and services

– Facilitate the provision of products and services you have requested

– Conduct research for our own internal purposes

– Assess, process and manage your application for employment; and

– Handle any complaints that you may have

We may also aggregate the personal information that we collect for reporting and statistical purposes and to help us improve our App or website. If we disclose any aggregated information to a third party, the information will be de-identified and will not contain any personally identifiable information.

If required or authorised by law, Bent Not Broke will also disclose your personal information to law enforcement, government agencies or officials.

You agree that we may use your ‘personal information’ for any of these purposes.

How do we hold this personal information?

We take all reasonable steps to protect and keep any personal information we hold about you secure. In fact, we have gone to great lengths to understand our responsibilities, to research how we can best do this, and then invest into implementing best-practice processes and technology. It is impossible to have absolute certainty, but we hope the following will give you confidence we are doing whatever it takes to keep your information secure.

Bent Not Broke employees, partners and third-party providers who are given access to your personal information in order to perform their function, are legally required to maintain the confidentiality of your personal information.

Data breaches

Bent Not Broke must report certain data breaches to the Office of the Australian Information Commissioner (OAIC) and where required, the impacted members. We commit to advising you of any breaches within 48 hours of discovering any breach which has or may have included your personal information.

Re-marketing

In the event that you do not submit information to us after visiting our website or through any of our online channels, it is possible we may use re-marketing services to communicate to you in search engines or on social networks. Any data collected through these advertising platforms will be used in accordance with the Bent Not Broke Privacy Policy and the policy of the remarketing service provider. To opt out of cookie-based advertising you must visit the ad settings for each respective platform.

How can you access & correct personal information we hold?

If you would like to know what personal information we hold about you or make a change to the information provided because it is inaccurate or out of date, please get in touch. You can reach us by email at hello@bentnotbroke.com.au. We will respond to your request within 7 working days.

If you would like us to delete any of your personal information which we are storing, please let us know in writing via email hello@bentnotbroke.com.au If we are able to do so, we will confirm in writing once the information has been deleted. It is important that you understand there are some situations where we may be required to retain your personal information for legal reasons. If we cannot action your request, we will explain why this is the case and what you may be able to do if you are not satisfied.

Changes to this policy

Our Privacy Policy may change at any time, and we will notify you by posting an updated version on our website. The version of the privacy policy that will apply to you is the one that was published at the time your personal information was collected.

How to contact us

These measures have been put in place to protect you and your personal information. They are also reflective of global best practice measures with regard to the storage of personal data, and according to Australian Law. However, if you have questions, requests or concerns about the handling of your personal information we’re here to help.

Your first options are to contact our team via email at hello@bentnotbroke.com.au.

If you are not satisfied with the resolution of your complaint, you can refer your complaint to the Office of the Australian Information Commissioner at www.oaic.gov.au.Description text goes here

Bent not broke content is for educational purposes only and is not personal financial advice.

Any financial information, education and advice is general in nature. It does not take into account your needs, financial situation or objectives.

Before acting, you should consider whether it is appropriate to you in light of your needs, financial situation and objectives.