ABN: 95 090 665 544, AFSL: 240 892 and Morningstar Research Limited CN: 356952
("Morningstar", "us" or "we"), subsidiaries of Morningstar, Inc., collect, process,
and handle your Personal Information.
Morningstar recognises that maintaining
the privacy of your Personal Information matters to you, and is committed to
protecting your Personal Information.
of Personal Information we collect, how we use it, with whom we may share it, the
means by which we protect it, how you can access and have it amended, and who you
can contact should you have an inquiry or complaint.
applies to information we hold that is collected both in Australia and New Zealand.
Unless specified otherwise, this policy applies to all Personal Information that we
Australian (formerly, 'National') Privacy
Principles ("APPs") are part of the Privacy Act 1988 and regulate
the way in which organisations may collect, use, or disclose an individual's
Information Privacy Principles
("IPPs") are set out in the Privacy Act 1993 (New Zealand) and regulate the way in
which agencies may collect, store, use, or disclose an individual's Personal
Under Australian law means information or an opinion
(whether or not true, and whether nor not recorded) about an identified
individual, or about an individual who is reasonably identifiable. Personal
information that relates to an individual's own characteristics, beliefs or
affiliations is known as 'sensitive information' and will
only be collected with your consent or when it is required by law.
Under New Zealand law means information about an
identifiable individual (whether or not recorded in a documentary form);
including information relating to a death that is maintained by the
Registrar-General pursuant to the Births, Deaths, Marriages, and
Relationships Registration Act 1995 (New Zealand), or any former Act
(as defined by the Births, Deaths, Marriages, and Relationships
Registration Act 1995 (New Zealand)).
COLLECTION OF YOUR PERSONAL INFORMATION
Morningstar's main business activities are as a
provider of general investment information and research services and tools to
individuals and businesses.
We collect Personal Information necessary for us
to perform functions associated with our business activities. These functions
include administering your account, answering your inquiries, authenticating you
when you use our online services to protect your account from unauthorised access,
helping diagnose website or server problems, administering our website, including
checking most popular web pages and peak usage times, and gathering broad
demographic information. We may also use your Personal Information for direct
marketing of research services and products.
While some contacts with us such
as general enquiries may be made anonymously or by using a pseudonym, if the
relationship is to progress any further (by you becoming a client or having a
business relationship with us) it will be necessary for us to know who you are.
Similarly, we cannot deal with complaints made anonymously or by
Information collected from you and your use of our
We will collect Personal Information directly from
you, unless not doing so is permitted or required by law, including where it is
unreasonable to do so. Collection of Personal Information is conducted in the
emails sent by you to our employees;
information that you give us when you register with us online;
event registration and feedback forms;
telephone conversations; and
cookies when you use our website.
The types of Personal Information we collect depend on the product or service
you receive from us. We may ask you for the following information, depending on the
products or services you use:
Your name, phone number, street, and email address
Your credit card number or bank account details
If you are acting on behalf of your employer, your job title, employer's
name, and contact information
Demographic information, such age bracket, investor type, and how you heard
a password (when you establish an online subscription).
Where clients are corporations, they may provide us with Personal
Information about different contact persons within that corporation including name,
job title, and contact information.
We do not adopt Government identifiers,
such as a tax file number or a Medicare number, or a New Zealand IRD number, as a
means of identifying individuals.
Where a third party gives us
information about you
Should a third party give us
unsolicited Personal Information about you, we will within a reasonable period
determine whether or not we could have collected the information directly from you
or it is in a public record and, if not, we will take reasonable steps to destroy or
de-identify that information unless the law otherwise requires.
You have the
right to ask us to let you know the source of your Personal Information. So long as
a response is not impracticable or unreasonable, or non-disclosure is permitted or
required by law, we will reply to you within a reasonable period without cost to
USE AND DISCLOSURE OF YOUR PERSONAL
We understand the importance of protecting your
privacy. Any information that we collect about you will be used to perform the
functions associated with our business activities, including to provide you (or a
business with which you are associated) with investment information services or
tools that have been requested or subscribed to.
We may use your Personal Information to provide
you with information about other products and services that we or our related
companies offer from time to time (direct marketing).
If you do not want to
receive direct marketing from us or our related companies, contact us on 1800 03 44
55 or by email: firstname.lastname@example.org.
entities and outsourcing
We will not make the Personal
Information gathered using our products and services available to anyone outside of
Morningstar or its related companies except as instructed by you or where required
by or permitted by Law.
We may disclose your Personal Information to our
related companies, but only so those related companies can assist us with functions
relating to our business activities.
Morningstar's related companies include
our parent company Morningstar, Inc. in the United States and related companies
worldwide. These related companies are located in: Belgium, Brazil, Canada, Chile,
China, Denmark, Finland, France, Germany, Hong Kong, India, Italy, Japan, Korea,
Luxembourg, Mexico, The Netherlands, New Zealand, Norway, Singapore, South Africa,
Spain, Sweden, Switzerland, Taiwan, Thailand, and the United Kingdom.
use third-party service providers, these service providers may have access to your
Personal Information to perform contractually specified services on our behalf.
Morningstar contractually requires that all Personal Information accessed by such
providers be kept confidential and in accordance with the Australian Privacy
Principles or the New Zealand Information Privacy Principles, where relevant.
LINKS TO OTHER WEBSITES
Our website may contain links to other websites
for you to access. You should be aware that the privacy policies of the operators of
those other sites may not be the same as ours and you should refer to their own
SECURITY AND QUALITY OF PERSONAL INFORMATION
We will take all reasonable steps to ensure that
any Personal Information about you which we hold is:
Secure: protected from misuse, interference and loss and
from unauthorised access, use, modification, or disclosure; and
Appropriate: accurate, complete, up-to-date, relevant and
not misleading having regard to the purpose for which it is held and may be
Your Personal Information may be kept in both hard and soft copy at our Sydney,
Melbourne, and Auckland offices and offices of relevant third party providers and
may be accessible in soft copy at our related company offices.
We and our
related company offices operate secure data networks protected by industry standard
firewalls and have password protection systems. Our security and privacy policies
are periodically reviewed and enhanced as necessary.
We restrict access to
Personal Information to our employees, and contracted third party providers who need
to know that information in order to process it for us and who are subject to strict
contractual confidentiality obligations. They may be disciplined or their contract
terminated if they fail to meet these obligations. Our access to your Personal
Information is limited to the following departments for their respective purposes:
Finance, Customer Services, IT, Sales, Marketing Services, and Compliance (including
the Privacy Officer). The Finance and IT Departments at our related company offices
may also have access to your Personal Information.
We will take reasonable
steps to destroy or de-identify Personal Information if we no longer need it for any
authorised purpose and are not required by law to retain it.
A cookie is a small file which can be downloaded
on a device when you access our website and is then sent back to our website each
time you access our website. Cookies are useful because they allow us to recognise
your device and your user preferences, gather basic tracking information (such as
login and password, date, time of visit and preferences), and monitor the
presentation of our site. This information allows us to personalise the user
experience and improve the quality of our site navigation.
We also use
analytical cookies, which allow us to recognise and count the number of users on our
website and how users move around the site when they are using it. This helps us
improve the way the website works, for example by making sure users can easily find
what they need.
Please note that advertisers on the Morningstar.com.au
website may also deploy cookies and web beacon technology to measure and improve the
effectiveness of advertising for their clients.
If you do not want us to
collect cookies, you may set your browser to block cookies associated with our
services, or to indicate when a cookie is being set by us. However, many of our
services may not function properly if your cookies are disabled.
ACCESS TO YOUR PERSONAL INFORMATION
We will handle all requests for access in
accordance with the APPs and, where relevant, the IPPs. In most cases, we will
confirm the existence of or give you access to (depending on your request) any
Personal Information that we hold about you within a reasonable period and in the
manner you request, if that is reasonable. In some cases, we may refuse access where
refusal is required or permitted by law. We may reject requests that are
unreasonably repetitive, require disproportionate technical effort (for example,
information that is only available on older backup tapes, or would involve
developing a new system or significantly changing an existing practice), or which
risk the privacy of others. We will provide you with reasons for any refusal. We may
charge a reasonable fee for giving you access to your Personal Information, however
at present we do not propose to make any charge.
To request access to your
Personal Information please contact our Privacy Officer - contact details are below.
CORRECTION OF YOUR PERSONAL INFORMATION
We appreciate any assistance you might give us to
keep any Personal Information that we hold up-to-date, complete, not misleading and
accurate. If you want to update any Personal Information, by contacting us:
If you have a complaint about how we handle your
Personal Information, please contact our Privacy Officer as described below.
Privacy Officer will acknowledge your complaint within three business days of
receipt and will seek to resolve your complaint within 20 business days of
Morningstar Privacy Officer Contact Details
Officer Morningstar Australasia Level 36, Australia Square 264 George
Street Sydney, NSW 2000, Australia Phone: +61 2 9276 4532 Facsimile +61 2
9276 4545 Email: email@example.com
Australian clients, if your complaint is not resolved to your satisfaction you have
the right to contact the Financial Ombudsman Service (FOS). FOS is an external
dispute resolution scheme authorised to deal with complaints in relation to the
financial services industry including privacy.
The Financial Ombudsman
Service GPO Box 3 Melbourne VIC 3001
If you wish to obtain a free copy of this Privacy
Policy (by post or email) and/or more information about the way that we handle your
Personal Information, contact our Privacy Officer.
As new privacy legislation is introduced, this
Policy will be reviewed and updated accordingly. We will also regularly review this
Policy and may change it from time to time. The date at which this Policy was most
recently updated is given above.
Should there be any inconsistency between this
interpreted to give effect to, and comply with, such legislation.
For Australian users further information on
privacy legislation is available from the Office of the Australian Information
Commissioner at www.oaic.gov.au.
Zealand users further information on privacy legislation is available from the
Office of the Privacy Commissioner at www.privacy.org.nz.