McGrathNicol cookie policy

Last updated April 2022

McGrathNicol (which includes McGrathNicol Partnership (ABN 41 945 982 781), McGrathNicol Advisory Partnership (ABN 34 824 776 937), ACT Super Management Pty Ltd ABN (29 073 947 690), McGrathNicol Services Pty Ltd (ABN 99 252 041 004) in Australia and McGrathNicol Limited (Co# 1525474) in New Zealand) (McGrathNicol, we, our or us) uses cookies across our websites to tailor and improve your online experience.

We understand the importance of being open and transparent with you in the way we use cookies. Please read this Cookies Policy to understand:

• what cookies are;

• how we use them; and

• your options in relation to the use of cookies.

Part 1: What are cookies?

Cookies are small files that are downloaded to your computer or mobile device when you access a website, social media sites or app. As you browse, cookies gather and store certain pieces of information about your use of the relevant site or app.

Generally, cookies collect information which relate to your device (and may not identify, or relate, to a particular individual). This device information may include device type, browser type, “click-through” information, IP address and pages you access on our websites and on third party websites.

In some circumstances, we may combine information collected through cookies with information that identifies you (such as if you log into your account, or if you click on a link that we have sent you via email).

Cookies assist in managing customised settings of our websites and delivering content (for example, by recognising your device each time you visit, we can provide you with a better experience by remembering your preferences). Cookies may also be used for essential functioning of a website and contribute to a better user experience.

Part 2: Types of cookies we use

Below are the main types of cookies we use:

• Session Cookies: Session cookies are used to track your movements from page to page. These cookies are usually erased when you close your web browser.

• Persistent Cookies: Persistent cookies are stored on your device between browser sessions for a pre-defined amount of time. These cookies allow the site to remember your information or settings across the site.

• First Party Cookies: First party cookies are set by the website you are browsing. We may analysis these cookies across members of McGrathNicol, for advertising purposes. Confidential information is not captured.

We may also use other technologies to track your online behaviour. These may include:

• Cross-device tracking: This is where your online activities are connected across your personal devices, such as your smart phone, desktop computer, tablet or wearable device. For example, if you log into your account with us on your smart phone, and then log into your account on your laptop, we may match this information together to provide you with targeted advertising on those devices; and

• Web beacons: A web beacon is a programming code that can be used to display an image on a web page, but can also be used to transfer your unique user identification to a database and associate you with previously acquired information about an individual in a database. This allows a company to track certain websites you visit. We use web beacons (and services such as Google Analytics) to track your online behavioural habits for marketing purposes to better understand customer behaviour and determine products or services you may be interested in.

Part 3: How do we use cookies?

We use a combination of the cookies listed in Part 2 depending on which websites (including parts of websites) you visit and your activity on those websites do.

We use cookies for a variety of reasons, including to better understand our users and provide you with a personalised browsing experience, by learning your preferences and tailoring our products, services and advertising to you.

We also use cookies to enable certain functionalities on our websites and enhance layout and functionality of our website and its content. For example, we may use cookies to:

• keep track of pages you have accessed on our websites and on third-party websites;

• track statistics about the usage of our websites;

• store products/services in the shopping cart while you continue browsing;

• keep you logged in to avoid you having to repeat logging in; and

• show you special offers and promotions we think you might be interested in.

Part 4: What are your choices regarding cookies?

You can choose which sites and devices allow cookies to be used, by changing your web browser preferences. For example, depending on which browser your device uses, you may be able to disable certain third party cookies.

It may be necessary for you to opt out separately from each device and browser that you use to access online content.

If you decide to delete or block certain cookies:

• certain benefits and offers you may be interested in displayed on our websites may not be offered to you;

• some parts of the websites you intend to visit may not be accessible or may have limited functionality; and

• you may still receive advertisements (it just may mean that these advertisements are not tailored to your interests).

To change your web browser preferences, please visit the relevant preferences or settings page on your browser and amend the privacy settings in relation to cookies and site data.

You can also change the settings on websites you receive tailored advertising (such as on Facebook, via your account settings), to control the extent to which you receive tailored advertising facilitated by cookies.

Part 5: More information

We appreciate that there is lots of information available on what cookies are and how they work, the different types of cookies, and your choices when it comes to changing your browser’s cookies settings.

To better understand cookies (and how to change your cookie preferences), please see the Office of the Australian Information Commissioner’s fact sheet on targeted advertising

For more general information about how we collect, use, disclose and store personal information (as defined in the Privacy Act 1988 (Cth)), please see our Privacy Policy.

Part 6: How can you contact us?

You can contact us using the details below:

Paul Sweeney
+61 2 9338 2600
DL-RiskManagement@mcgrathnicol.com
GPO Box 9986, Sydney NSW 2001