Privacy Policy

YOUR PRIVACY

At Atelier Wealth, we are committed to protecting your privacy as an online visitor to our website. We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the Australian Privacy Principles. Please read our privacy policy below carefully.

You may change your details at any time by advising us in writing via email. All information we receive from our customers is protected by our secure server. Atelier Wealth is secure server software encrypts all customer information before it is sent to us. Furthermore, all customer data collected is secured against unauthorised use or access. Credit card information is not stored by us on our servers.

STORAGE AND SECURITY OF YOUR INFORMATION

We receive and store information you enter on our website or give us in any other way from time to time. You may provide basic contact information such as your name, phone number, address, and email address to enable us to send information or process your product order and we may also collect additional information at other times, including but not limited to, when you provide feedback, change your content or email preferences, respond to a survey, or communicate with our customer support.

We may use personal information collected from you for the purpose of providing you with direct marketing material, updates regarding our website and information in the form of a newsletter. This will only apply if you have registered or subscribed to such publications by registering your details with us. However if you wish to cease receiving any such information you may let us know either by email or unsubscribing at any time and your request will be actioned immediately.

Individual profile and company details are not used for any other purpose. Details are only supplied to a third party supplier when it is required by law, for goods or services which you have purchased or to protect our copyright, trademarks and other legal rights.

We respect the privacy of our online visitors. We may collect information on or through this website that can personally identify you. For example, we collect personally identifiable information which you volunteer to us to respond to visitor questions and comments about us and our products and services, and to mail e-newsletters (Personal Data).

We will use all reasonable means to protect the confidentiality of your Personal Data while in our possession or control. We will not knowingly share any of your Personal Data with any third party other than our service providers who assist us in providing the information and/or services we are providing to you. To the extent that we do share your personal information with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this privacy policy. Some of our service providers may be overseas and may not be subject to Australian Privacy Laws. Please contact us if you require specific details.

Any non-personal information, communications and material you send to this website or to us by email, or which we obtain from third parties without promises of confidentiality, may be kept, used and disclosed by us on a non-confidential basis. We are free to use and reproduce any such information freely, and for any purpose whatsoever. Specifically, we will be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose, including developing, manufacturing or marketing products.

COOKIES

A cookie is a small file placed in your web browser that collects information about your web browsing behaviour. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any personal information (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website.

Our website uses cookies to analyse website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords. These ads may appear on this website or other websites you visit.

DISCLOSURE OF YOUR INFORMATION

We may from time to time need to disclose certain information, which may include your Personal Data, to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. Also, we may use your Personal Data to protect the rights, property or safety of Atelier Wealth, our customers or third parties.

If there is a change of control in one of our businesses (whether by merger, sale, transfer of assets or otherwise) customer information, which may include your Personal Data, could be disclosed to a potential purchaser under a confidentiality agreement. We would only disclose your information in good faith and where required by any of the above circumstances.

THIRD PARTIES

We do not and will not sell or deal in personal or customer information. We will never disclose your personal details to a third party except the necessary information required by providers of products or services you have purchased or to protect the rights, property or safety of Atelier Wealth, our customers or third parties or if required by law.

We may however use in a general sense without any reference to your name, your information to create marketing statistics, identify user demands and to assist it in meeting customer needs generally. In addition, we may use the information that you provide to improve our website and services but not for any other use.

SECURITY

We strive to ensure the security, integrity and privacy of personal information submitted to our website, and we periodically update our security measures in light of current technologies.

LINKS

This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website.

CHANGE IN PRIVACY POLICY

As we plan to ensure our privacy policy remains current, this policy is subject to change. We may modify this policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on this website. Please return periodically to review our privacy policy.

If you have any questions or concerns at any time about our privacy policy or the use of your personal information, please contact us at hello@atelierwealth.com.au and we will respond within 48 hours.

THE HAPPY HOME LOAN HANDBOOK | PRIVACY POLICY

INTRODUCTION

This Privacy Policy describes how Atelier Wealth Pty Ltd and Spica Holdings Trust (“us”)  collects, uses, and discloses your personal information when you use our website (https://atelierwealth.com.au/) (the “Site”) and purchase our book, “The Happy Home Loan Handbook” (the “Book”).

INFORMATION WE COLLECT

  • We collect personal information when you:
    • Place an order for the Book. (Name, email address, shipping address)
    • Subscribe to our newsletter (if applicable) (Email address)
    • Contact us through our website (Name, mobile number email address, message content)

HOW WE USE YOUR INFORMATION

  • We use your information to:
    • Process your orders for the Book.
    • Send you order confirmations and updates.
    • Respond to your inquiries and provide customer support.
    • Send you marketing communications (if applicable) with your consent.

INFORMATION SHARING

  • We may share your information with third-party service providers who help us operate our website and fulfil your orders.
    • These providers are obligated to maintain the confidentiality of your information.
  • We will not share your information with any third parties for marketing purposes without your consent.

SECURITY MEASURES

  • We take reasonable steps to protect your personal information from unauthorised access, disclosure, alteration, or destruction.
    • This includes using secure servers and encryption methods.

YOUR RIGHTS

  • You have the right to access, correct, or delete your personal information.
  • You can unsubscribe from our marketing communications at any time.

CONTACT US

  • If you have any questions about our Privacy Policy, please contact us at hello@atelierwealth.com.au

ATELIER WEALTH MORTGAGE BROKERS | TERMS & CONDITIONS

Effective Date: 1 March 2024

WELCOME

Welcome to the website of Atelier Wealth Mortgage Brokers (“us”). These Terms & Conditions (“Terms”) govern your use of our website (https://atelierwealth.com.au/) (the “Site”) and the purchase of our book, “The Happy Home Loan Handbook” (the “Book”).

AGREEMENT

By accessing or using the Site, or purchasing the Book, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Site or purchase the Book.

WEBSITE USAGE

  • You agree to use the Site in a lawful and manner and not to infringe on the intellectual property rights of others.

PRODUCT DESCRIPTION

  • “The Happy Home Loan Handbook” is a book that demystifies the home loan process, providing a step-by-step breakdown of:
    • how to get your loan approved
    • how best to set up your loan
    • how to locate, negotiate over and purchase the home you want
    • how to build your support team to guide you
    • how this home-buying experience can become your reality.
  • We make no warranties or guarantees about the accuracy or completeness of the information in the Book.

ORDER PROCESS

  • To purchase the Book, you must follow the online ordering process on our Site.
  • You will be able to review your order and make corrections before submitting it.
  • We accept payment by Mastercard, Visa and American Express.

DISCLAIMER OF WARRANTIES

  • The Book is provided “as is” and without warranties of any kind, express or implied.

INTELLECTUAL PROPERTY

  • The content of the Site and the Book are protected by copyright, trademark, and other intellectual property laws.

LIMITATION OF LIABILITY

  • We shall not be liable for any damages arising from your use of the Site or the Book.

TERMINATION

  • We may terminate your access to the Site for any reason at any time.

GOVERNING LAW

  • These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia.

RETURNS & REFUNDS

  • We offer a full refund for the purchase of the Book within 14 days of purchase if the Book is returned in its original condition.

HOW TO REQUEST A REFUND

  • To request a refund, please contact us at hello@atelierwealth.com.au with your order number and reason for return.
  • Once we receive your request, we will process it and issue a refund within 7 business days.

SHIPPING OPTIONS

We offer the following shipping options for the Book:

  • Standard Shipping: Estimated time of delivery: 7-10 business days at a cost of $14.40.
  • Express Shipping: Estimated delivery time: 1-2 business days at a cost of $14.90.

DELIVERY AREA

  • We currently ship the Book to Australia
  • We reserve the right to limit shipping to certain locations.

DELIVERY TIMES

  • Estimated delivery times are based on business days and may vary depending on your location and order processing time.
  • We are not responsible for delays in shipping caused by factors beyond our control, such as customs clearance or weather events.

TRACKING INFORMATION

  • You will receive a tracking number once your order has shipped.
  • You can use this tracking number to track the progress of your delivery.

RISK OF LOSS

  • The risk of loss for the Book passes to you upon dispatch from our warehouse