Terms

By clicking on a link of this web site, you accept the following conditions.

Disclaimer

This Website has been prepared by ALPHATRUST GROUP on the basis of publicly available information, internally developed data and other sources, believed to be reliable. Whilst all reasonable care has been taken to ensure that the fact stated are accurate and the opinions are fair and reasonable, neither ALPHATRUST GROUP, nor any director or employee, shall in any way be responsible for any reliance placed on its contents.

Clients are specifically advised and warned that they should seek appropriate tax and legal advice from a qualified professional licensed to offer such advice before acquiring any offshore structure or a company or trust. Clients must also ensure that they have received professional advise on the restrictions and reporting requirements that the acquisition of a company or trust may involve.

This statement is an outline of certain matters relating to the collection and handling of your personal information by the Group.

The statement is for you if you are:

• a customer of ALPHATRUST GROUP ("Customer"); or
• a representative of a Customer (for example, a signatory), a beneficiary (which includes a potential beneficiary) or some other kind of third party relevant to a Customer (for example, a guarantor) (each a "Third Party").

Collecting your personal information

The purposes for which your personal information is collected will depend on the organisation with which you deal. Personal information is collected by ALPHATRUST GROUP organisations offering to get via our partners :

• banking and finance products or services such as personal accounts, loans, credit cards, term deposits, internet banking, e-commerce, derivatives, leasing and related lifestyle products or services
• financial planning or broking services or investment products such as managed funds, investment services, superannuation funds, investment bonds, retirement savings accounts and related lifestyle products or services
• trustee or custodial services such as safe deposit boxes or custody of assets for managed funds or superannuation funds
• life insurance products or general insurance products which includes those offered in conjunction with other ALPHATRUST GROUP’s partners products or services.
• If you are, or may be, acquiring or have acquired a product or service from an ALPHATRUST GROUP organisation, it will collect your personal information for the purposes of:
• providing you with the relevant product or service (including assessing your application and identifying you)
• get managing and get administering the product or service  

ALPHATRUST GROUP organisations may also collect your personal information for the purpose of letting you know about products or services from across ALPHATRUST GROUP that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested.

If you are a representative of a Customer then your personal information will be collected for the purpose of identifying you.

If you are a beneficiary your personal information will be collected for the purpose of determining whether you will be paid a benefit that has become payable upon another person's death.

If you are any other type of Third Party your personal information will be collected for the purpose of providing the Customer with the relevant product or service (including assessing their application and identifying them), managing and administering the product or service or protecting against fraud where it is a banking and finance or insurance product or service.

If a ALPHATRUST GROUP organisation does not obtain the information it seeks it may not be able:

• to process your request
• to get managed or administered your product or service
• to tell you about other products or services from across ALPHATRUST GROUP that might better serve your financial, e-commerce and lifestyle needs
• if you are a representative, to verify your authority to act on behalf of a Customer;
• if you are a beneficiary, to consider the information you have not provided in determining
• whether you will be paid a benefit
• if you are another type of a Third Party, to provide a Customer with the relevant product or service (including assessing their application and identifying them), manage and administer
• their product or service or protect against fraud.
• Using and disclosing your personal information

In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the local laws, and/or any relevant applicable privacy laws and codes.

The relevant organisations are those:

• involved in providing, managing or administering your product or service such as third party suppliers, other ALPHATRUST GROUP organisations, loyalty and affinity program partners, printers, posting services, call centres, lenders mortgage, insurers, and our advisers, and any kind of other partne
• which are ALPHATRUST GROUP organisations who wish to tell you about their products or services that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities, and their related service providers, except where you tell us not to
• who are your financial adviser and their service providers
• involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
• involved in a corporate re-organisation
• involved in a transfer of all or part of the assets or business of a ALPHATRUST GROUP organisation
• involved in the payments system including financial institutions, merchants and payment organisations
• involved in product planning and development
• which are your representatives including your legal advisers
• as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or - to protect public revenue
• where you have given your consent.

In addition, for ALPHATRUST GROUP organisations offering to get :

• banking and finance products or services - other organisations to which personal information is usually disclosed are card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, mortgage insurance companies, your guarantors, organisations involved in valuing, surveying, or registering a security property or which otherwise have an interest in such property, purchasers of debt portfolios, underwriters, re-insurers and other organisations involved in our normal business practices (such as securitisation)
• financial planning or broking services or investment products - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers, organisations in which you invest and other organisations involved in our normal business practices (such as securitisation)
• trustee or custodial services - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers and other organisations involved in our normal business practices
• life insurance products or general insurance products - other organisations to which personal information is usually disclosed are medical professionals, medical facilities, health authorities, assessors, underwriters, reinsurers and fraud detection agencies and other organisations involved in our normal business practices.

Your personal information may also be used in connection with such purposes.

Because we operate throughout Europe, USA, and overseas, some of these uses and disclosures may occur outside your State and Territory.

Consent

It is our practice to seek your consent to use or disclose your personal information to tell you about, and develop, other products or services from across ALPHATRUST GROUP that might better serve your financial, e-commerce and lifestyle needs, or other promotions or opportunities in which you may be interested. This may be done after an initial marketing contact. We assume we have your consent to use service providers to assist us with this (such as a posting service or an advertising agency), unless you tell us otherwise. In this case, please contact us at : info@alphatrustgroup.com