Privacy Policy

OUR COMMITMENT TO PROTECT YOUR PRIVACY

Tomkins Turner Advisory Pty Ltd, T/as Terrace Capital (ACN: 624 854 093) is a Corporate Authorised Representative (Authorised Representative No. 1318211) of ShareX Pty Ltd (ACN 631 150 804) (“ShareX”) under its Australian Financial Services License (AFSL) No. 519872.

Terrace Capital (referred to in this Policy as "us", "we" and "our") seeks to provide the best possible service to its customers by providing the best possible range of financial products and services.

We understand how important it is to protect your personal information. This document sets out our Privacy Policy commitment in respect of personal information that you may provide to us.

We recognise that any personal information we collect about you will only be used for the purposes indicated in our policy, where we have your consent to do so, or as otherwise required or authorised by law. It is important to us that you are confident that any personal information we collect from you or that is received by us will be treated with appropriate respect ensuring protection of your personal information.

Our commitment in respect of personal information is to abide by the Privacy Act 1988 (Cth) and any other relevant law.

WHO IS TERRACE CAPITAL?

Terrace Capital provides corporate advisory services to corporate clients in Australia.

PERSONAL INFORMATION

When we refer to personal information we mean information or an opinion about you, from which you are, or may reasonably be, identified.

This information may include (but is not limited to) your name, date of birth, driver's licence number, marital status, phone number, email address, address, nationality, employment history, income, assets and liabilities.

It is not common practice for us to collect other sensitive information about you (such as information about your religion, trade union membership, political opinion, sexual preference or criminal record). We will only collect sensitive information about you with your consent.

WHY WE COLLECT YOUR PERSONAL INFORMATION

We collect and receive personal information about you in order to conduct our business, including assessing and obtaining approval for Terrace Capital on securities and other products and accepting investments. From time to time we may offer other products and services.

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

Personal information may be collected by us in a number of circumstances, including when an individual:

· makes an enquiry with us via email or telephone;

· lodges an enquiry or requests a quote through our website;

· applies to invest in a product offered by us;

· attends an event hosted by us; or

· applies to work with us.

Where reasonable and practical we will collect your personal information only directly from you. However, we will also collect information about you from third parties such as from our contractors who supply services to us, through our referrers (such as financial advisers), from a publicly maintained record or from other individuals or companies as authorised by you. From time to time we may also purchase lists containing personal information about individuals from organisations offering such lists for marketing purposes.

If you do not provide the information requested by us, we may not be able to provide you with our services.

If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and that, without us taking any further steps required by privacy laws, we may collect, use and disclose such information for the purposes described in this Privacy Policy. For example, you should take reasonable steps to ensure the individual concerned is aware of the various matters detailed in this Privacy Policy. The individual must also provide the consents set out in this Privacy Policy in respect of how we will deal with their personal information

HOW DO WE USE YOUR PERSONAL INFORMATION?

We use your personal information for the purpose for which it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include using your personal information for the following purposes:

· to provide you with the products or services you requested;

· to verify your identity;

· to assess, process and manage your application to be a customer, including to verify your details and assess our risk;

· to assess, process and manage your application to work with us; or

· for complaints handling or data analytics purposes.

TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?

To enable us to maintain a successful business relationship with you, we may disclose your personal information to:

· organisations that provide products or services used or marketed by us, including intermediaries (such as financial advisers), custodians and trustee companies, financial institutions, and execution and clearing providers;

· your employer/s or referees, your professional advisors, your bank and any other organisation that may have or is considering having an interest in your investment, or in our business;

· companies and contractors who we retain to provide services for us, such as IT contractors, call centres, stationery printing houses, mail houses, storage facilities, risk and compliance providers, lawyers, accountants and auditors, who will need to have access to your personal information to provide those services;

· people considering acquiring an interest in our business or assets; and

· other individuals or companies authorised by you.

By providing us with your personal information, you consent to us disclosing your information to such entities without obtaining your consent on a case by case basis.

Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court, Tribunal or law enforcement agency in response to a request or in response to a subpoena or to the Australian Taxation Office.

We may from time to time transfer personal information outside Australia in accordance with the Privacy Act to countries whose privacy laws do not provide the same level of protection as Australia’s privacy laws. For example, we may transfer your personal information to the Asia-Pacific, European Union or the United States of America.

We may also use cloud storage and IT servers that are located offshore.

By providing us with your personal information, you consent to us disclosing your information to entities located outside Australia and, when permitted by law to do so, on the basis that we are not required to take such steps as are reasonable in the circumstances to ensure that any overseas recipient complies with Australian privacy laws in relation to your information.

DIRECT MARKETING

From time to time we may use your personal information to provide you with current information about our products, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company we are associated with. By providing us with your personal information, you consent to us using your information to contact you on an ongoing basis for this purpose, including by mail, email, SMS, social media and telephone.

If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our Privacy Contacts using the contact details below. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

UPDATING YOUR PERSONAL INFORMATION

It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.

If you consider that any information we hold about you is incorrect, you should contact us to have it updated. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.

ACCESS TO YOUR PERSONAL INFORMATION

We will provide you with access to the personal information we hold about you, subject to limited exceptions in the Privacy Act as outlined below. You may request access to any of the personal information we hold about you, at any time.

To access personal information that we hold about you, use the contact details specified below. We may charge a fee for our reasonable costs in retrieving and supplying the information to you.

DENIED ACCESS TO PERSONAL INFORMATION

There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious.

An explanation will be provided to you if we deny you access to your personal information we hold.

BUSINESS WITHOUT IDENTIFYING YOU

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information. Such a situation would be where you make general inquiries about interest rates or current promotional offers.

HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?

We will take reasonable steps to protect your personal information, including your credit-related personal information, by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.

We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

FURTHER INFORMATION AND COMPLAINTS

You may request further information about the way we manage your personal information or lodge a complaint by contacting our Privacy Officer(s) on the contact details below.

We will deal with any complaint by investigating the complaint and providing a response to the complainant within 15 business days, provided that we have all necessary information and have completed any investigation required. In cases where further information, assessment or investigation is required, we will seek to agree alternative time frames with you.

CONTACT DETAILS

You can contact us by calling us on +61 (0) 467 735 085 or by writing to:

The Privacy Officer
Terrace Capital
Level 16, 240 St Georges Terrace

Perth, WA 6000

CHANGE IN OUR PRIVACY POLICY

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market practices.

As a consequence, we may change this Privacy Policy from time to time or as the need arises.

This Privacy Policy was last updated on 07 November 2025.

TERMS AND CONDITIONS

This website is owned and operated by Terrace Capital Pty Ltd (“Terrace Capital”) (ACN 624 854 093).

The information in this site has been prepared in accordance with Australian law for the supply of goods and services. The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.

Your use of, or access to, the Terrace Capital website (‘this website’) is conditional upon your acceptance and compliance with the terms, conditions and disclaimers (‘terms of use’) contained within this document and elsewhere on this website. Terrace Capital shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these terms of use without notice or liability to you. Please check these terms regularly to ensure that you are aware of any changes. Your continued use of the website following the posting of changes to these terms (including Terrace Capital’s “Privacy Policy”) will mean you accept any changes made to the site.

You acknowledge and agree that, in using the material on this website, you have not relied in any way upon any representation or statement made by or on behalf of Terrace Capital, its directors, employees or consultants and that you have satisfied yourself to the condition and suitability of the website for your purposes, in light of your individual circumstance, before acting on the material.

Advice warning

This website may contain general financial product advice and does not constitute an offer or inducement to enter into a legally binding contract. It does not form part of the terms and conditions for Terrace Capital’s products or services. The information provided on this website is not intended as, nor is it a substitute for, personal financial services advice. As this website has been prepared without consideration of any specific client’s investment objectives, financial situation or needs, a financial advisor should be consulted before any investment decision is made. Readers acting on this information without first consulting an adviser do so entirely at their own risk.

Where the general advice relates to the acquisition or possible acquisition of a particular financial product, the client should obtain a specific Product Disclosure Statement (PDS) relating to the relevant product and consider the PDS before making any decision about product acquisition.

Conflicts of Interest

Terrace Capital or its associates, officers or employees may have interests in securities and may receive fees, brokerage or commissions. Further, Terrace Capital or its associates, officers or employees may buy or sell the securities as principal or agent and may enter into transactions.

Investment Risk

Investment products are always subject to risk. We recommend obtaining professional advice before investing. All investments are subject to risk. There is a risk that the value of the investment may rise or fall and produce a return which is less than you anticipate. Rises and falls in value can occur rapidly and for a variety of reasons.

Reliance on website content

While Terrace Capital has made every effort to ensure that the information presented in this website is free from errors or omissions and is based on information obtained from sources which are considered reliable, Terrace Capital, its directors, employees and consultants do not represent, warrant or guarantee, expressly or impliedly, that the information contained in this website is complete, accurate or is suitable for your intended use. Nor does Terrace Capital accept any responsibility to inform you of any matter that subsequently comes to its notice, which may affect any of the information contained in this website. No liability will be accepted by Terrace Capital to any person for loss or damages incurred as a result of any reliance or action taken regarding the information made available in this website. The use of this website does not create any relationship between the user and Terrace Capital.

Network integrity

While Terrace Capital has taken reasonable steps to ensure the integrity of our computer networks, we are unable to guarantee files and attachments are free from contamination. Before opening any attachments or emails, or downloading files from this website, visitors to the Terrace Capital website should ensure they have precautions in place to protect against viral infection.

Linked third party websites

The Terrace Capital website may contain links to other websites; however, we do not endorse, review, approve or accept any responsibility in relation to the operators of linked third party sites or the information and material on such sites, nor the products or services offered. To the extent permitted by law, Terrace Capital and its respective directors, officers and agents disclaim all responsibility for any loss or damage which may be suffered by any person directly or indirectly through any person’s dealings with them or by use of the website whether that loss or damage is caused by any fault or negligence on the part of Terrace Capital, its directors, officers, employees and agents.

The fact that a website is linked to this website does not imply any endorsement or sponsorship by us of that website or that we are affiliated in any way with the third party operating that third party website. If you access these websites, you do so at your own risk.

Indemnity

Other than any responsibilities implied by law which cannot be excluded, you agree to indemnify and hold Terrace Capital, its directors, its affiliates, staff, employees and consultants harmless from any claim suit, damage or demand, including reasonable legal fees, liabilities, costs or expenses whatsoever arising out of or referable to material on this website or to any linked third-party material, whether in contract, tort including negligence, statute or otherwise. You expressly understand and agree that your use of the service is at your sole risk and that this website is provided on an “as is” and “as available” basis.

Terrace Capital owns the copyright and intellectual property on information and material provided on this site unless expressly stated to the contrary. You may not reproduce, transmit, adapt, disseminate, distribute, load, post, transmit, store in a retrieval system, sell, modify or republish or otherwise use any of the material on this website without our prior written consent, other than for the lawful purposes set out in the Copyright Act 1968 (Cth).

Jurisdiction

All information and services contained within this website are governed by and are to be construed according to the laws applicable in the State of Western Australia and the Commonwealth of Australia.