Privacy Policy
1. Introduction
Full Circle Accounting & Taxation (“FCAT”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This policy explains how we handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By using our services or providing your information, you consent to this policy.
We may update this policy periodically. The “Effective Date” above shows the latest version.
2. Information We Collect
Personal Information
- Full name, date of birth, address, phone number, email
- Tax File Number (TFN), Australian Business Number (ABN)
- Identification details (e.g., driver’s licence, passport)
Financial & Business Information
- Income, deductions, superannuation, and banking details
- Business records, invoices, payroll information
- Investment and loan information
Website & Communications
- Enquiry form details, support messages, call notes
- Technical data from cookies and analytics (see section 8)
3. How We Collect Information
- Directly from you (in person, by phone, email, or online forms)
- From third parties with your consent (e.g., ATO, ASIC, banks, employers)
- Automatically via our website through cookies and analytics
- From publicly available sources where lawful
4. Why We Collect Your Information
- Provide accounting, taxation, and business advisory services
- Prepare and lodge tax returns and compliance documents
- Verify identity and comply with ATO/TPB and other legal obligations
- Manage our operations, billing, and client communications
- Improve services and website experience
5. Disclosure of Information
We may disclose personal information to:
- Regulators and authorities (e.g., ATO, ASIC) where required
- Financial institutions, auditors, professional advisors, and insurers
- Cloud/accounting platforms (e.g., Xero, MYOB, QuickBooks)
- IT service providers, contractors, and subcontractors
- Any party you authorise us to share with, or as required by law
Third-party confidentiality & privacy
We take reasonable steps to ensure third parties handle your data confidentially and in accordance with privacy laws and contractual safeguards.
6. Data Security
We store information securely in electronic and physical formats using:
- Password-protected systems and encryption
- Secure cloud storage with restricted access
- Role-based permissions and staff training
- Regular reviews of our security controls
7. Access & Correction
You may request access to the personal information we hold about you and request corrections if it is inaccurate, out-of-date, incomplete, or misleading. We will respond within a reasonable timeframe as required by the APPs.
9. Overseas Disclosure
Some service providers we use (e.g., cloud hosting, email, productivity tools) may store or process information on servers located outside Australia. We take reasonable steps to ensure such providers comply with privacy standards substantially similar to the APPs.
10. Marketing & Communications
We may send newsletters, regulatory updates, and service information relevant to our relationship with you. You can opt out at any time via the unsubscribe link or by contacting us.
11. Complaints
If you have concerns about how we handle your personal information, please contact us using the details below. We will investigate and respond promptly.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au or 1300 363 992.
12. Contact Us
Full Circle Accounting & Taxation Pty Ltd
Suite 60, 135 Cardigan Street, Carlton VIC 3053, Australia
Email: info@fcat.com.au
Phone: 0405 152 400
Website: www.fcat.com.au