Privacy Policy & Disclaimer

1About this Policy

This Privacy Policy describes how TheAMLConsultant.com.au ("we", "us", "our") handles personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) contained in that Act.

By using our website or engaging our services, you acknowledge that you have read and understood this Policy. If you do not agree with this Policy, please do not use our website or services.

2Who We Are

TheAMLConsultant.com.au is an AML/CTF compliance advisory business operating in Australia. Our contact details are:

• Email: info@TheAMLConsultant.com
• Phone / WhatsApp: (+61) 434 969 412
• Website: TheAMLConsultant.com.au

3Information We Collect

We may collect and hold the following categories of personal information:

• Identity information — name, job title, and organisation
• Contact information — email address and phone number
• Enquiry and correspondence information — the content of messages you send us
• Appointment information — meeting preferences and booking details via our scheduling platform
• Usage information — how you interact with our website (see section 11)
• Billing information — where applicable to a commercial engagement, invoicing details

We do not collect sensitive information (as defined in the Privacy Act) unless you volunteer it in correspondence, and we will only use it for the purpose for which it was provided.

4How We Collect Information

We collect personal information in the following ways:

• Directly from you when you contact us by email, phone, or web form
• When you book an appointment through our Calendly scheduling widget
• When you follow or interact with us on LinkedIn or Facebook
• Automatically through website analytics tools (see section 11)
• In the course of providing professional services to you or your organisation

5Why We Collect Information

We collect, hold, and use personal information for the following purposes:

• To respond to your enquiries and provide the services you request
• To schedule and manage appointments and consultations
• To provide AML/CTF compliance advice, reviews, and program development services
• To send you relevant service updates, regulatory news, or information you have requested
• To improve the content and functionality of our website
• To meet our own legal and regulatory obligations

We will not use your personal information for a secondary purpose unless that use is directly related to the primary purpose, you have consented, or we are required or authorised by law to do so.

6Disclosure of Information

We do not sell, rent, or trade your personal information. We may disclose personal information to:

• Our service providers who assist us in delivering services (such as scheduling platforms, cloud storage, and email providers) — only to the extent necessary and subject to confidentiality obligations
• Professional advisers including lawyers, accountants, and insurers, under confidentiality obligations
• Law enforcement agencies, courts, or regulators, where we are required or permitted by law to do so

We take reasonable steps to ensure that any third parties to whom we disclose personal information are bound by privacy obligations consistent with this Policy.

7Overseas Disclosure

Some of the third-party service providers we use (including our scheduling and email platforms) may store or process data on servers located outside Australia. Where this occurs, we take reasonable steps to ensure that those providers comply with standards substantially similar to the APPs, or we take other steps required by APP 8.

By providing us with your personal information, you consent to it being disclosed to overseas recipients in accordance with this Policy.

8Data Security

We take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, modification, or disclosure. These steps include password-protected systems, encrypted communications, and restricted access controls.

If you suspect that your personal information held by us has been compromised, please contact us immediately using the details in section 14.

9Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. When personal information is no longer required, we will take reasonable steps to destroy or de-identify it securely.

Where we provide services to clients who are themselves reporting entities under the AML/CTF Act 2006, our record-keeping obligations may require us to retain certain engagement records for a minimum of seven years.

10Your Rights

Under the Australian Privacy Principles, you have the right to:

• Request access to the personal information we hold about you
• Request correction of information that is inaccurate, out of date, incomplete, or misleading
• Withdraw consent to our use of your information (where processing is consent-based)
• Make a complaint if you believe we have breached the APPs

To exercise any of these rights, please contact us using the details in section 14. We will respond within a reasonable time and in accordance with our obligations under the Privacy Act.

11Cookies & Analytics

Our website may use cookies and similar tracking technologies to understand how visitors use the site and to improve user experience. This may include tools such as Google Analytics. Information collected through cookies is generally aggregate and non-identifying.

You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of the website. By continuing to use the website, you consent to our use of cookies in accordance with this Policy.

12Third-Party Links

Our website contains links to external sites, including TheAMLConsultant.com, LinkedIn, Facebook, and Calendly. This Privacy Policy does not apply to those third-party websites. We encourage you to read the privacy policies of any external sites you visit. We are not responsible for the privacy practices or content of those sites.

13Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal obligations, or the services we offer. We will post the updated Policy on this page with a revised "last updated" date. We encourage you to review this Policy periodically.

14Contact & Complaints

If you have a question or concern about this Policy, or wish to make a privacy complaint, please contact us:

• Email: info@TheAMLConsultant.com
• Phone: (+61) 434 969 412

We will acknowledge your complaint promptly and aim to resolve it within 30 days. If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.