Last Updated: 24 April 2026

This Privacy Policy applies to VIDYA Financial Pty Ltd (ABN 42 686 697 834) and MC Wealth Services Pty Ltd (ABN 94 685 471 247), collectively referred to as "we," "us," or "our." We are committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles established under the Privacy Amendment (Private Sector) Act 2001. You can obtain information about the APPs and your privacy rights at the Office of the Australian Information Commissioner (OAIC)

1. Entities Covered

This policy applies explicitly to both VIDYA Financial Pty Ltd, a registered tax agent, and MC Wealth Services Pty Ltd, an Australian Credit Licence (ACL) holder and Australian Financial Services Licence holder (AFSL/ACL 567447).

2. Personal Information We Collect

We collect personal and sensitive information relevant to providing our financial, tax, and credit services, including but not limited to:

• Full name, date of birth, gender

• Contact details such as address, phone number, and email

• Employment details and occupation

• Financial information, including income, expenses, assets, liabilities, bank accounts, superannuation, investments

• Tax File Numbers (TFNs)

• Identification documents such as driver licence, passport

• Health information when necessary (e.g., for insurance or financial advice)

• Sensitive information such as marital status or cultural background where applicable

3. How we collect your information

Personal information may be collected through various channels, including direct interactions with you (in writing, electronically, or by telephone), visits to our website (such as submitting an enquiry or contact form), participation in our events or promotions, provision of products or services, and from publicly available sources. All information is collected lawfully and with due regard for your privacy at all times.

4. How We Use Your Information

We collect and use your personal information for purposes including:

• Providing financial, tax, credit, and related advisory services

• Preparing and lodging tax returns

• Assisting with applications for finance, insurance, superannuation, and investments

• Managing ongoing client relationships and delivering services

• Complying with our legal and regulatory obligations (e.g., Tax Agent Services Act, National Consumer Credit Protection Act, Corporations Act, AML/CTF Act)

• Conducting internal risk management, audits, and quality assurance

• Communicating with you regarding your services or requests

• Improving our services and business operations

5. Disclosure of Your Information

We may disclose your personal information to:

• Product providers, including banks, insurers, and superannuation funds

• Investment platforms and software providers

• Government and regulatory bodies such as the Australian Taxation Office (ATO), ASIC, AUSTRAC, and the Australian Financial Complaints Authority (AFCA)

• Professional advisers including accountants, lawyers, and compliance consultants

• Cloud-based and IT service providers including CRM platforms and secure file storage

• In some circumstances, we also use third party service providers to carry out its functions and provide services subject to strict confidentiality and data protection obligations. These service providers are typically located in India, the Philippines, the United States of America and the European Economic Area (EEA).

6. Security of Your Information

We implement a range of technical and organisational measures to protect your information, including:

• Secure, encrypted cloud-based storage

• Password protection and multi-factor authentication (MFA) on systems

• Restricting access to personal information based on staff roles

• Regular staff training on privacy and confidentiality obligations

• Periodic reviews and audits of our security controls

7. Retention of Information

We retain your personal information for at least seven (7) years following the end of our client relationship, to comply with legal and regulatory requirements. When your information is no longer required, it will be securely deleted or anonymised.

8. Access and Correction

You have the right to access and correct your personal information. To do so, please contact our Privacy Officer:

Privacy Officer: Mina Andrawis
Address: 144 Church Street, Brighton VIC 3186
Email: Mina@medcentric.com.au
Phone: 0402 675 822

Requests will be responded to promptly and within statutory timeframes. Access may be refused only in limited circumstances as permitted by law, and reasons will be explained. If you are not satisfied with our handling of your request, you may contact the Office of the Australian Information Commissioner (OAIC).

9. Marketing and Communications

We do not use your personal information to send marketing communications or newsletters. You will not receive unsolicited promotional material from us.

10. Use of Technology and Digital Onboarding

We conduct client meetings primarily via video calls and use technology platforms for digital onboarding and service delivery. These tools are used in compliance with our privacy and security obligations to protect your personal information.

11. Changes to This Policy

This Privacy Policy is subject to change. The current version will always be available on our website. Please review it periodically.

12. Complaints

If you would like to submit a complaint to Bongiorno regarding the handling of your personal information, please provide the details of your complaint in writing to Bongiorno's Privacy Officer. Bongiorno aims to respond within 30 days of receiving your complaint and, where applicable, will inform you of the general reasons for the decision. In certain cases, the Privacy Officer may decide not to investigate the complaint, such as when it does not involve interference with privacy. If you are not satisfied with the outcome, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC).

Last Updated: 24 April 2026