Cookies & Tracking Policy

This policy explains, in plain terms, the cookies and similar technologies we use on this website — what they collect, who receives that information, how long we keep it and what choices you have. It sits alongside our Privacy Policy, which covers your personal information generally, and our Financial Services Guide.

We are a licensed financial advice business. We describe our practices here as they are today, and section 8 sets out the changes we are making. Where our practices change, we will update this policy and its version number.

A cookie is a small text file a website asks your browser to store. Similar technologies include browser storage (which works much the same way) and small pieces of code in a web page or an email that record that something was viewed or clicked.

Australia does not have a law that requires your consent before a cookie is set. Instead, our obligations come from the Privacy Act 1988 (Cth) and the Australian Privacy Principles, which govern the collection and use of information about you. That is the framework we apply.

There are four kinds of technology on this site.

Necessary. These make the site work — keeping your session and protecting our forms from automated abuse. They do not build a profile of you.

Our own measurement. We store the campaign, search or website that referred you, along with the page you first arrived on, in your browser. If you later submit an enquiry, that information is attached to your enquiry so we know how you found us. We also record when a lead-magnet form has already been completed so you are not asked twice.

Google Analytics. Described in section 4.

Scheduling and messaging. When you book a meeting we use Calendly, which sets its own cookies on its own domain. When we email you, we record whether the message was delivered, opened and whether a link in it was followed. When we send you a text message or call you, we use Twilio.

We do not use advertising or social-media tracking pixels on this website. There is no Meta, Instagram, TikTok or LinkedIn tracking code on any page.

We use Google Analytics to understand how our pages are found and used, so we can tell which of our guides are useful and where the site is failing people.

Google Analytics currently runs on the pages of this site described in section 5, and it starts when the page loads. We are changing this so that you are offered a choice first — see section 8. We would rather tell you plainly what happens today than describe a website we have not built yet.

Google Analytics records information such as the pages you view, how long you spend on them, the site or search that referred you, your approximate location derived from your IP address, and your device and browser type. This information is sent to Google LLC and is stored and processed outside Australia, including in the United States. Google's handling of it is governed by Google's own terms and privacy policy.

Section 7 explains how to stop Google Analytics from collecting information about your visit today.

Some of what we write about — aged care, cognitive decline, disability and illness-related payments, enduring powers of attorney — could reveal something about the health or capacity of the person reading it, or of a family member. Simply visiting such a page can itself disclose sensitive information.

We therefore run no analytics at all on those pages. Google Analytics is not loaded on them, and we do not record which of them you have read. This applies regardless of any choice you make elsewhere on this site — you cannot switch it on.

This rule is built into how the site is produced rather than configured in a marketing tool, so it cannot be turned off by accident, and we check that it is still working.

Before you identify yourself, the information described above is held against a random identifier and we do not know who you are.

If you submit an enquiry, download a guide or book a meeting, we link the referral information from your visit to your contact record so we can see how you found us and respond usefully. From that point it is personal information about you and is handled under our Privacy Policy.

We do not keep a record of the individual pages you have browsed against your name, and we do not buy information about you from data brokers or advertising networks.

Stop Google Analytics. Google publishes a browser add-on that prevents Google Analytics from collecting information about your visits to any website, available at tools.google.com/dlpage/gaoptout. Most browsers also offer tracking protection that blocks it.

Block or delete cookies. Every major browser lets you block cookies, delete those already stored, or browse privately. Our forms and booking tools may not work properly if you block everything.

Ask us. If you would prefer we did not use analytics in connection with your visits, or you want to know what we hold about you, contact our Privacy Officer using the details in section 11 and we will action it.

Marketing. Every marketing email we send contains an unsubscribe link, and you can reply STOP to any text message. See section 9.

We are introducing a choice about analytics on this website, so that information is not sent to Google unless you have agreed to it. When that is in place we will update this policy, publish a new version, and add a way for you to change your mind at any time.

We are also formalising how long we keep website measurement information, and reducing it to the shortest period that remains useful.

We are publishing this policy now, ahead of those changes, because we think you are better served by an accurate description of what happens today than by waiting.

We only send marketing emails or text messages where we are permitted to under the Spam Act 2003 (Cth) — that is, where you have asked us to, or where you have an existing relationship with us and the message relates to it.

Every commercial message identifies us as the sender and contains a working unsubscribe. We action unsubscribe requests within five business days, as required. You can also ask us to stop at any time by contacting our Privacy Officer.

Telemarketing calls are subject to the Do Not Call Register Act 2006 (Cth) and we maintain our own do-not-call list in addition to the national register.

Website measurement information is kept only as long as we need it for the purposes described in this policy. We are setting formal retention periods for it as part of the changes in section 8, and will state them here once they are in place.

Enquiries that do not become client relationships are kept while they remain useful to us and then deleted.

Client files, including advice records, must be kept for at least seven years under section 912G of the Corporations Act 2001 (Cth). Customer identification records must be kept for at least seven years after our relationship ends under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). These legal obligations override any shorter period.

You can ask for a copy of the personal information we hold about you, or ask us to correct it. Contact our Privacy Officer, Theodore Karoumbalis, at support@iadvice.net.au or on 0483 945 888.

If you are not satisfied with how we have handled a privacy matter, please tell us first so we can put it right — our complaints process is set out at Complaints. If you remain dissatisfied, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992. Complaints about our financial services can also be referred to the Australian Financial Complaints Authority at www.afca.org.au or 1800 931 678.

When we change this policy we change its version number and effective date, shown at the top of this page. Where a change affects what we collect or who receives it, we will make that clear. Previous versions are available on request.

Version 1.0 — effective 31 August 2026.