Settliance™ · settliance.com.au · Version 1.0 · Effective April 2026
This is not legal advice. This policy is provided for informational purposes only. Settliance™ recommends you obtain independent legal advice if you have specific privacy concerns.
Settliance™ (ABN 57 289 709 665) operates settliance.com.au. We are a compliance services business based in Western Australia, providing AML/CTF compliance programs and support services to licensed settlement agents in WA.
This Privacy Policy explains how we collect, hold, use, and disclose personal information. It applies to all personal information collected through our website, products, services, and communications.
We are bound by the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs). We are committed to handling personal information responsibly, transparently, and in a way that respects your rights.
By using settliance.com.au or engaging our services, you agree to the collection and use of information in accordance with this policy.
We collect personal information you provide when you: complete our website contact or enquiry forms; book a Free 15-minute Compliance Call; purchase a product or engage our services; subscribe to The Settliance Brief; correspond with us by email or telephone; or participate in surveys, events, or webinars.
The types of personal information collected include: full name, business name, email address, telephone number, settlement agent licence number, and any information you voluntarily include in your enquiry.
When you visit settliance.com.au, we may automatically collect technical data including: your IP address and approximate geographic location, browser type and version, pages visited and time spent on each page, referring website, and device type and operating system.
This information is collected via cookies and similar tracking technologies. It is used to improve the website experience and understand how visitors interact with our content. It is not used to identify you individually.
We do not intentionally collect sensitive information as defined by the Privacy Act 1988 (Cth) (including health information, financial account details, or government identifiers). If you provide sensitive information voluntarily — for example, by including it in an enquiry — we will handle it with the additional protections required under APP 3.
Where practicable, you may interact with us anonymously or using a pseudonym — for example, when browsing our website or downloading publicly available resources. However, if you wish to access our services or receive personalised communication, we will require sufficient identifying information to deliver those services.
We collect personal information only by lawful and fair means (APP 3). Collection occurs: directly from you — through forms, email, telephone calls, or service engagements; automatically — through your browser when you visit our website; or from third parties — where you have authorised a referral from a professional colleague or industry association.
We do not collect personal information from data brokers or without your knowledge.
At or before the time of collection, we will take reasonable steps to notify you of: our identity and contact details; the purpose of collection; any third parties to whom we may disclose it; and your rights of access and correction (APP 5 — Notification of collection).
We collect and use personal information for the following primary purposes: providing AML/CTF compliance products and services to settlement agents in WA; responding to enquiries and booking Compliance Calls; processing orders and managing our client relationship; delivering The Settliance Brief and other communications you have subscribed to; improving our website, products, and services; fulfilling our own regulatory and legal obligations; and protecting the security and integrity of our business.
We will not use your personal information for a secondary purpose unless: (a) you have consented; (b) the secondary purpose is directly related to the primary purpose and you would reasonably expect the use; or (c) we are required or authorised by law (APP 6).
We may disclose your personal information to third parties in the following circumstances: service providers who assist us to deliver our products and services — including website hosting providers, email delivery platforms, payment processors, and appointment scheduling tools; professional advisers — including lawyers and accountants, who are bound by confidentiality; regulators and government authorities — where required or authorised by law; and successors to our business — in the event of a merger, acquisition, or transfer of assets, subject to the incoming party agreeing to be bound by equivalent privacy obligations.
We do not sell, trade, or rent your personal information to third parties for marketing purposes. We do not disclose personal information to any organisation for commercial gain.
Some third-party service providers we use may store or process data on servers located outside Australia. Where this occurs, we take reasonable steps to ensure those providers are subject to equivalent privacy protections under APP 8, or we obtain your consent to the disclosure.
Providers we currently use that may involve overseas data processing include: cloud email and scheduling platforms. We will update this section as our service stack changes. You may contact us at any time to ask which providers we use and where their servers are located.
We take reasonable steps to ensure the personal information we hold is accurate, complete, and up to date (APP 10). If you believe information we hold about you is inaccurate, you may request a correction at any time (see Section 9).
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, and disclosure (APP 11). Our security measures include: encrypted data transmission using HTTPS across settliance.com.au; password-protected systems with access controls; restricted access to personal information on a need-to-know basis; and secure deletion of personal information no longer required.
No data transmission over the internet is entirely secure. While we take all reasonable steps to protect your information, we cannot guarantee the absolute security of information transmitted to or from our website.
In the event of a data breach that is likely to result in serious harm, we will comply with the Notifiable Data Breaches (NDB) scheme under Part IIIC of the Privacy Act 1988 (Cth) — including notifying affected individuals and the OAIC as required.
Settliance.com.au uses cookies — small text files stored on your browser — to improve your experience, analyse website traffic, and understand visitor behaviour.
| Cookie Type | Purpose |
|---|---|
| Essential cookies | Required for the website to function. Cannot be disabled. |
| Analytics cookies | Understand how visitors use our website. Data is aggregated and anonymised. |
| Preference cookies | Remember your settings and preferences between visits. |
You can control cookies through your browser settings. Disabling cookies may affect the functionality of some parts of our website. We do not use cookies to personally identify you without your knowledge. We do not currently use advertising or retargeting cookies.
Settliance™ uses AI-assisted tools in the delivery of some services and internal operations. We are committed to transparent and responsible use of AI in line with the OAIC’s guidance on AI and privacy (October 2024).
Our AI use commitments: we do not enter client personal information into public or consumer-grade AI tools; where AI tools process personal information, we use enterprise-grade accounts with data residency controls and model training prohibitions; all AI-assisted outputs are subject to human review before use in client-facing materials; and we assess privacy risks before deploying new AI tools that touch personal information.
If you have questions about how AI tools are used in the delivery of your compliance program, please contact us directly.
Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles, you have the right to: request access to the personal information we hold about you (APP 12); request correction of inaccurate, incomplete, or out-of-date information (APP 13); and make a complaint if you believe we have breached the APPs.
Requests for access or correction should be made in writing to:
Email: hello@settliance.com.au
Attention: Stacey Dragicevich, Compliance Specialist
We will respond to requests within 30 days. We may need to verify your identity before processing a request. In some cases, we may be unable to provide access — for example, where doing so would impact the privacy of another individual. We will explain our reasons if access is refused. We do not charge a fee for access requests.
If you believe we have handled your personal information in a way that does not comply with the Privacy Act 1988 (Cth), please contact us first by email. We will acknowledge your complaint within 5 business days and respond substantively within 30 days.
If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.au
Phone: 1300 363 992
Post: GPO Box 5218, Sydney NSW 2001
We may use your personal information to send you information about our services, regulatory updates relevant to WA settlement agents, and The Settliance Brief — where you have consented or where we reasonably believe you would expect to receive such communications (APP 7).
Every marketing communication we send includes a clear and functional unsubscribe mechanism. You can opt out at any time by clicking ‘Unsubscribe’ in any email we send, or by emailing hello@settliance.com.au with ‘Unsubscribe’ in the subject line. We will process your opt-out within 5 business days. We will not send you unsolicited commercial electronic messages in breach of the Spam Act 2003 (Cth).
Settliance.com.au may contain links to third-party websites, including regulatory bodies, industry associations, and resource providers. We are not responsible for the privacy practices of those websites. We encourage you to read the privacy policies of any external sites you visit.
We retain personal information only for as long as necessary for the purposes for which it was collected, or as required by law. When personal information is no longer required, we take reasonable steps to destroy or de-identify it securely.
Client records relating to AML/CTF compliance services will be retained for a minimum of seven years to meet our own regulatory obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), where applicable.
We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal obligations. The current version will always be published at settliance.com.au/privacy with the effective date shown at the top of the document.
Where changes are material, we will notify subscribers via The Settliance Brief or direct email.
For all privacy enquiries, access requests, corrections, or complaints:
Business: Settliance™
Contact: Stacey Dragicevich, Compliance Specialist
Email: hello@settliance.com.au
Website: settliance.com.au
Location: Perth, Western Australia
This is not legal advice. Settliance™ is not a law firm. This Privacy Policy is provided for informational purposes and to meet our obligations under the Privacy Act 1988 (Cth). For legal advice specific to your circumstances, please consult a qualified privacy lawyer.
Settliance™ · Your compliance alliance · settliance.com.au · © 2026 Settliance. All rights reserved.