Policies
Copyright © 2026 Carwardine & Associates.
This website is the website of Carwardine & Associates Pty Ltd and its related entities. The information contained on this website does not constitute financial product advice, is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice.
What will you do with that information you have on file?
We will not collect any Personal Information about you except when you have knowingly provided that information to us or authorised a third party to provide information to us.
We will not use or disclose personal information collected for any purpose other than for which it was provided or where you have consented to disclose information on your behalf. Where we are obliged to disclose information by law, for example, under Court Orders or Statutory Notices we will do so.
In the normal course of providing you with financial advice and assistance your information may be provided to:
Support staff who will assist
Superannuation fund trustees, insurance providers, and product issuers for the purpose of giving effect to your financial plan and the recommendations made by us
To the trustees or managers of Master Trusts and Wrap Accounts whom services we may recommend
To organisations to whom we may outsource certain functions from time to time
To another financial planner during periods when your original financial planner is unavailable so that you can be assured of receiving a continued service
We may use the personal information collected from you for the purpose of providing you with direct marketing material such as articles that may be of interest to you, however if you do not wish to receive marketing material, please notify your financial planner. We will seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access, modification or disclosure. Your personal information is treated as confidential.
Credit Guide
Connective Credit Services Pty Ltd is licensed under the National Consumer Credit Protection Act 2009.
Finance broking services are provided by Money Solutions (Brisbane) Pty Ltd, Credit Representative 547368 authorised under Australian Credit Licence 389328. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
Credit Guide and Privacy Statement - Home Loans
Credit Guide and Privacy Statement - Consumer Asset Finance and Personal Loans
Complaints Process
We follow the “client first” principle and pride ourselves on the quality of our service. However, even with the best of intentions there is the possibility of disagreement or dispute with you about our services. If you have any complaint about the services provided to you, we want you to tell us as soon as you can and we will endeavour to resolve it as quickly as possible. If at any time you have any dispute or complain about the services provided to you, you should take the following steps:
Contact Nathan Watson on 07 3355 1800 and tell us about your concerns. Nathan will listen and seek to resolve your complaint quickly and fairly. We will provide to you our response (either confirmation of actions taken by us to fully resolve the complaint or reasons for the rejection or partial rejection of the complaint) within 30 days by your preferred method of communication.
If your complaint cannot be resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA). This service is provided to you free of charge.
In writing to: GPO Box 3, Melbourne VIC 3001
Online via: Email: www.afca.org.au info@afca.org.au
Telephone: 1800 931 678 (free call)
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
