Privacy Policy

Versatile Growth Partners and Versatile Accounting Pty Ltd
Effective date: 12 May 2026
Last reviewed: 12 May 2026
Websites: versatilegrowth.com.au and versatileaccounting.com.au

1. About this Privacy Policy

Versatile Growth Partners and Versatile Accounting Pty Ltd respect your privacy and are committed to protecting personal information, confidential client information and commercially sensitive information.

This Privacy Policy explains how we collect, hold, use and disclose personal information when you:

• visit our websites;
• contact us or make an enquiry;
• request a resource, guide, checklist or scorecard;
• book a call or consultation;
• engage us for accounting, tax, bookkeeping, advisory, virtual CFO, succession, asset protection, restructuring, early intervention or related services;
• deal with us as a client, prospective client, supplier, referrer, professional adviser or other contact.

This policy has been prepared having regard to the Privacy Act 1988 (Cth), the Australian Privacy Principles, the Privacy (Tax File Number) Rule 2015, the Tax Agent Services Act 2009 (Cth), the Tax Practitioners Board Code of Professional Conduct, the Tax Agent Services (Code of Professional Conduct) Determination 2024, relevant professional standards, and other applicable Australian laws and guidance.

Even where a particular privacy obligation may not strictly apply to a specific activity, we aim to handle personal information consistently with good professional practice, client confidentiality and practical privacy risk management.

2. Who we are

Versatile Growth Partners provides strategic business advisory, virtual CFO, succession-readiness, exit-readiness, asset protection coordination, early intervention and commercial advisory services.

Tax agent services are provided by:

Versatile Accounting Pty Ltd
Registered tax agent number: 79486001
Registered with: Tax Practitioners Board

Where legal, estate-planning, insolvency, financial product, insurance, superannuation, lending, valuation, business sale, or other specialist advice is required, we may recommend that you obtain advice from an appropriately qualified external adviser.

We do not provide legal advice, financial product advice, investment advice or insolvency practitioner services unless this is expressly stated in writing and we are legally authorised to do so.

3. Scope of this policy

This policy applies to personal information handled by Versatile Growth Partners and Versatile Accounting Pty Ltd.

It also applies where we handle information in connection with:

• tax agent services;
• accounting and bookkeeping services;
• business advisory and virtual CFO work;
• succession, exit and estate coordination work;
• asset protection and restructuring discussions;
• ATO debt, director-risk, cash flow and early intervention matters;
• referrals to lawyers, insolvency practitioners, financial advisers and other specialists;
• marketing, website, webinar, seminar and educational activities.

This policy does not override any stronger confidentiality, legal, tax-agent, professional or contractual duty that applies to a particular engagement.

4. The kinds of personal information we collect

We may collect personal information including:

• name, business name, trading name and contact details;
• email address, phone number, postal address and location;
• role, position, directorships, shareholdings and business interests;
• date of birth and identity verification information;
• tax file numbers, Australian business numbers, Australian company numbers and other government identifiers where lawful and necessary;
• information about your business structure, trusts, companies, partnerships, directors, shareholders, beneficiaries and related entities;
• accounting, bookkeeping, tax, payroll, superannuation and financial information;
• ATO, ASIC, OSR, WorkCover, payroll tax and other compliance information;
• bank account, finance, debt, security, asset and liability information;
• cash flow, working capital, creditor, debtor and funding information;
• information about ATO payment plans, director penalty notice risk, statutory demands, insolvency risk, restructuring options or business stress;
• succession, exit, retirement, estate-planning and family business information;
• information in emails, letters, meeting notes, reports, working papers, accounting files and documents you provide;
• billing, engagement, payment and debtor management information;
• records of our communications with you;
• website and analytics information, including IP address, browser type, device information, referral source, pages visited and interaction data.

Depending on the nature of the matter, we may also collect information about spouses, family members, business partners, directors, shareholders, employees, contractors, trustees, beneficiaries, guarantors, related parties, professional advisers and other individuals connected with your business or affairs.

5. Sensitive information

We will only collect sensitive information where it is reasonably necessary for our services and:

• you have consented;
• the collection is required or authorised by law;
• the collection is permitted under the Privacy Act or another applicable law; or
• the information is necessary for a legal, tax, professional, advisory, risk-management or client-protection purpose.

Sensitive information may include information about:

• health or capacity issues relevant to succession, estate coordination or business continuity;
• family circumstances, relationship breakdown, death, incapacity or disputes;
• financial hardship, insolvency risk or vulnerability;
• criminal history, litigation, bankruptcy or regulatory matters where relevant;
• professional memberships;
• political exposure or sanctions-related information where relevant to future AML/CTF obligations;
• other personal matters relevant to the advice or services requested.

We treat sensitive information with additional care and limit access to people who need it for the relevant purpose.

6. Tax file numbers and government identifiers

We collect, use, disclose and store tax file numbers only where permitted by taxation, superannuation or other applicable law.

When we request an individual’s tax file number, we will take reasonable steps to explain:

• the law that authorises the collection;
• the purpose for which it is collected;
• that it is not an offence to refuse to provide a TFN;
• the possible consequences of not providing it.

We do not use tax file numbers as our general client identifier.

We take reasonable steps to protect TFN information, including restricting access to people who need it for taxation, superannuation or related lawful purposes.

We do not recommend sending TFNs by ordinary email. Where TFN information, identity documents or other highly sensitive information must be exchanged electronically, we prefer secure portals, secure messaging, encrypted or password-protected attachments, or other secure methods.

7. How we collect personal information

We may collect personal information:

• directly from you;
• through website forms, booking pages, enquiry forms, email, phone, video meetings or in-person meetings;
• from documents, records, software or files you provide;
• from accounting, bookkeeping, payroll, job management, point-of-sale, banking, ATO, ASIC or other systems you authorise us to access;
• from your authorised representatives, including lawyers, financial advisers, insolvency practitioners, bookkeepers, lenders, brokers or business advisers;
• from public registers and publicly available sources;
• from government agencies and regulators where permitted;
• from referral partners, professional advisers or related parties;
• from third-party technology platforms used in our business.

Where practical, we collect personal information directly from you.

If you provide us with personal information about another person, you must ensure you have authority to do so and that the person is aware their information may be handled in accordance with this policy.

8. If you do not provide personal information

If you do not provide personal information we reasonably need, we may not be able to:

• respond to your enquiry;
• verify your identity;
• assess your business, tax, cash flow, succession or advisory needs;
• provide accurate advice or services;
• meet our legal, tax-agent, professional or regulatory obligations;
• continue acting for you.

For tax agent services, incomplete or inaccurate information may affect the quality of advice, lodgements, ATO dealings or compliance outcomes.

9. Anonymity and pseudonymity

You may contact us anonymously or using a pseudonym where lawful and practical, for example when making a general website enquiry.

However, anonymity or pseudonymity will usually not be practical where we need to verify your identity, assess your affairs, provide tax agent services, provide accounting or advisory services, issue invoices, meet professional obligations, or comply with law.

10. Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information for purposes including:

• responding to enquiries;
• assessing whether and how we can assist you;
• onboarding clients and verifying identity;
• preparing engagement letters, scopes and fee proposals;
• providing accounting, tax, bookkeeping, payroll, reporting and compliance services;
• providing business advisory, virtual CFO, cash flow, restructuring, early intervention, succession, exit-readiness and commercial advisory services;
• preparing reports, scorecards, dashboards, forecasts, advisory roadmaps and recommendations;
• managing ATO, ASIC, OSR and other compliance matters;
• reviewing business structures, tax obligations, director-risk issues, asset protection concerns and succession-readiness;
• coordinating with external advisers, where authorised or legally permitted;
• referring you to lawyers, insolvency practitioners, financial advisers, lenders, valuers, brokers or other specialists where appropriate;
• managing client relationships, workflow, billing, debtors and practice administration;
• maintaining records required by law, professional standards and tax-agent obligations;
• meeting TPB, ATO, OAIC, ASIC, AUSTRAC, court, tribunal, insurer and other legal or regulatory obligations;
• handling complaints, disputes, access requests and correction requests;
• managing cyber security, fraud prevention, system administration and business continuity;
• improving our websites, systems, resources and services;
• sending relevant updates, invitations, resources or marketing communications where permitted.

We do not sell personal information.

11. Tax agent confidentiality and professional obligations

For tax agent services, we are subject to confidentiality obligations under the Tax Agent Services Act 2009 and the TPB Code of Professional Conduct.

Unless we have a legal duty to do so, we do not disclose information relating to a client’s affairs to a third party without the client’s permission.

We may disclose personal information or client information without consent where required or authorised by law, including where necessary to comply with:

• taxation laws;
• Tax Practitioners Board requirements;
• court or tribunal orders;
• professional conduct obligations;
• ATO, TPB, ASIC, AUSTRAC, OAIC or other lawful regulatory requirements;
• obligations relating to false or misleading statements, public interest matters, client records, quality management, conflicts of interest, professional standards or complaints.

Where the TPB Code or another law requires us to take action, including advising a client to correct a false or misleading statement, withdrawing from an engagement, or notifying a regulator, we will do so in accordance with our legal and professional obligations.

12. Information received from government agencies

Where we receive information from an Australian government agency in a professional capacity, we handle that information carefully and consistently with the agency’s authorisation and any applicable law.

We do not disclose government information or use it for an unauthorised advantage unless the disclosure or use is permitted, authorised or required by law.

13. AI tools and technology platforms

We use technology to support efficient, accurate and secure service delivery. This may include:

• Xero and related accounting, bookkeeping and workflow tools;
• Microsoft 365, Outlook, Teams, OneDrive and SharePoint;
• document management, secure portal and workflow systems;
• automation, analytics and reporting tools;
• AI-assisted tools such as OpenAI, ChatGPT, Claude or similar services;
• transcription, drafting, formatting, research, analysis and productivity tools.

Where AI tools are used, they may assist with:

• drafting and formatting;
• summarising non-sensitive material;
• analysing de-identified or non-identifiable information;
• preparing internal checklists, templates or workflow notes;
• improving general advisory content;
• supporting but not replacing professional judgement.

We do not intentionally upload tax file numbers, identity documents, bank account details, highly sensitive client information, confidential ATO dispute material, legal advice, family dispute material, health information or insolvency-sensitive material into general public AI tools.

Where AI use requires personal information, we will take reasonable steps to:

• use the minimum information necessary;
• de-identify information where practical;
• assess the privacy and confidentiality risk;
• use business or enterprise settings where available;
• avoid using tools that train public models on client information unless there is a clear lawful basis and informed authority;
• review AI-assisted work by a human adviser before relying on it.

AI outputs may be incomplete, inaccurate or inappropriate without human review. We do not treat AI output as final professional advice.

14. Disclosure to external advisers and service providers

We may disclose personal information to third parties where reasonably necessary for our services, with your authority, or where required or permitted by law.

These third parties may include:

• registered tax agents, accountants and bookkeepers;
• lawyers and estate-planning advisers;
• insolvency practitioners, restructuring advisers and turnaround specialists;
• financial advisers, insurance advisers and superannuation specialists;
• lenders, brokers, valuers and business-sale advisers;
• software, hosting, email, document-storage, cybersecurity and IT providers;
• contractors and consultants engaged to assist our practice;
• professional indemnity insurers, auditors and professional advisers;
• ATO, TPB, ASIC, OAIC, AUSTRAC, OSR, courts, tribunals and other authorities;
• debt recovery providers where necessary;
• potential purchasers or successors of our business, subject to confidentiality protections.

If we refer you to an external adviser, that adviser will usually collect and handle your personal information under their own privacy policy, engagement terms and professional obligations.

15. Overseas disclosure and cloud services

Some technology providers, support teams, hosting providers and cloud-based platforms we use may store, process or access information outside Australia.

Depending on the provider and configuration, this may involve Australia, New Zealand, the United States, the United Kingdom, the European Union, Singapore or other locations used by the relevant provider.

Where we use overseas or cloud-based providers, we take reasonable steps to use reputable providers and appropriate privacy, confidentiality and security settings.

Where practical, we may provide more information about relevant providers or overseas locations in engagement terms, collection notices, software disclosures or on request.

16. Website analytics, cookies and tracking

Our websites may use cookies, analytics tools, pixels or similar technologies to understand visitor behaviour, improve website performance, measure engagement and improve our resources.

These tools may collect information such as:

• IP address;
• device type;
• browser;
• pages visited;
• time spent on pages;
• referring website;
• approximate location;
• interaction with forms, links or content.

You can usually disable cookies through your browser settings. Some website features may not work properly if cookies are disabled.

Where we use tracking pixels or analytics tools, we aim to avoid collecting more personal information than reasonably necessary.

17. Marketing communications

If you subscribe to updates, request a resource, attend a webinar, make an enquiry or become a client, we may send you relevant information about our services, resources, events or educational content.

We will only send marketing communications where permitted by law.

Our marketing communications will identify us and include a simple way to unsubscribe.

You can unsubscribe from marketing emails by using the unsubscribe link or by contacting us directly.

We do not use purchased marketing lists unless we are satisfied the use is lawful and appropriate.

18. Security of personal information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.

These steps may include:

• secure cloud platforms;
• password protection and access controls;
• multi-factor authentication where available;
• secure document-sharing practices;
• limited access based on role and need;
• confidentiality obligations for staff and contractors;
• secure backup practices;
• cyber security tools and monitoring;
• staff training and supervision;
• review of third-party providers;
• secure disposal or de-identification where information is no longer required;
• professional standards relating to tax-agent confidentiality and quality management.

No electronic transmission or storage method is completely secure. However, we treat privacy, confidentiality and cyber security as core practice risks and review our systems and practices from time to time.

19. Data breach response

We maintain procedures for identifying, escalating, assessing and responding to suspected data breaches.

If a data breach or suspected data breach occurs, we will take reasonable steps to:

• contain the issue;
• assess what information is affected;
• assess the risk of serious harm;
• take remedial action where possible;
• notify affected individuals and regulators where legally required;
• review the cause and improve controls where appropriate.

Where the Notifiable Data Breaches scheme applies and an eligible data breach occurs, we will notify the affected individuals and the Office of the Australian Information Commissioner as required by law.

We may also notify other parties where appropriate, such as the ATO, TPB, ACSC, police, insurer, software provider or other regulator, depending on the nature of the incident.

20. Retention and destruction

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including to:

• provide services;
• maintain tax agent, accounting and advisory records;
• comply with legal, regulatory, professional, insurance and tax obligations;
• respond to disputes, complaints, access requests and regulatory enquiries;
• maintain business records and audit trails.

For tax agent services, we retain proper client records for at least 5 years after the relevant service has been provided, or longer where required or appropriate.

When personal information is no longer required, we will take reasonable steps to securely destroy it or de-identify it, unless we are required or permitted by law to retain it.

21. Accessing and correcting your personal information

You may request access to personal information we hold about you.

You may also ask us to correct personal information if you believe it is inaccurate, out of date, incomplete, irrelevant or misleading.

Before responding, we may need to verify your identity.

We will respond within a reasonable time. We may refuse access or correction where permitted by law, including where providing access would breach another person’s privacy, prejudice legal proceedings, reveal commercially sensitive information, breach confidentiality obligations, or be otherwise unlawful.

If we refuse a request, we will provide reasons where it is reasonable and lawful to do so.

22. Complaints

If you have a privacy concern or complaint, please contact us first so we can try to resolve it.

We will:

• acknowledge your complaint within a reasonable time;
• review the issue;
• ask for more information if needed;
• aim to respond within 30 days where practical;
• explain the outcome and any steps we propose to take.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner.

For concerns about tax agent services, you may also contact the Tax Practitioners Board.

23. Client responsibilities

To help us protect your information and provide accurate services, you should:

• provide complete and accurate information;
• tell us promptly if information changes;
• use secure methods when sending sensitive information;
• avoid sending TFNs, passwords, identity documents or bank details by ordinary email where possible;
• notify us immediately if you suspect an email, portal, invoice or communication has been compromised;
• ensure you have authority before sending us information about another person.

24. Children and vulnerable individuals

Our services are generally directed to business owners, directors, individuals, trustees and adult clients.

However, succession, estate coordination, family business and asset protection matters may involve information about children, dependants, elderly people, vulnerable individuals or people with impaired capacity.

Where this occurs, we take additional care and only collect, use or disclose the information where it is reasonably necessary and lawful.

25. Automated decision-making

We do not currently use automated decision-making systems to make decisions that have a legal or similarly significant effect on individuals without human review.

If this changes, we will update this policy and provide further information about the kinds of personal information used, the decisions made, and how individuals may request further information.

26. AML/CTF readiness

From 1 July 2026, certain professional services, including some accounting, trust and company service provider activities, may be subject to expanded anti-money laundering and counter-terrorism financing obligations.

Where these obligations apply to our services, we may need to collect, verify, use, disclose and retain personal information for customer due diligence, beneficial ownership checks, risk assessment, monitoring, reporting and record-keeping.

We will update this policy, collection notices and engagement processes as needed to reflect any AML/CTF obligations that apply to our services.

27. Contact us

For privacy questions, access requests, correction requests or complaints, please contact:

Versatile Accounting Pty Ltd
Trading or advisory brand: Versatile Growth Partners, where applicable
Phone: 1300 172 331
Email: admin@versatilegrowth.com.au
Websites: versatileaccounting.com.au and versatilegrowth.com.au
Location: Kobble Creek, Queensland

28. Changes to this Privacy Policy

We may update this Privacy Policy from time to time.

The updated version will be published on our website with the effective date or last reviewed date shown above.

Material changes may also be communicated through engagement terms, client updates or other reasonable means.