Privacy Policy & Terms of Use

1. About This Website

The website www.fcaagroup.com.au (“Website”) is owned and operated by Seed Empire Group Pty Ltd (ACN 628 845 867) (“Seed Empire Group,” “we,” “our,” or “us”).

We provide an online directory and referral platform connecting users with licensed professionals in accounting, legal, property, financial, and real estate services. We also offer educational resources designed to help individuals make informed decisions without needing to engage specialist advice upfront. These resources aim to give users a clearer understanding of their financial or legal situation, enabling them to approach professional advisors with greater confidence and efficiency—potentially saving time and advisory costs.

By using this Website, you agree to these Terms of Use and our Privacy Policy. Please read them carefully.

Terms of Use

2. Our Role

Seed Empire Group acts solely as an introducer and educational platform. We:

  • Facilitate referrals to licensed and qualified professionals based on your enquiry and consent.
  • Do not provide financial product advice, legal advice, or act as a law firm, accounting firm, or financial services licensee.
  • Do not guarantee the outcomes or suitability of any service provided by any referred professional.

Note that engagement with any Service Provider is subject to their own terms, conditions, and disclosure documents.

By using our services, you agree to:

  • Provide accurate and complete information when submitting an enquiry.
  • Assess the suitability of any referred professional for your personal circumstances.
  • Read and accept the referred professional’s terms and fees before engaging their services.

You are under no obligation to proceed with any referral.

4. Third-Party Services

If you engage a professional referred by us:

  • You are entering into a direct relationship with that Service Provider.
  • Seed Empire Group is not responsible for the advice, services, or outcomes provided.
  • To the fullest extent permitted by law, Seed Empire Group disclaims all liability for any loss, damage, or claim arising from third-party services.

We make no representations regarding the quality, suitability, or performance of any referred professional or their services.

5. Referral Fees

We may receive a fixed referral fee from Service Providers for connecting you. We do not:

  • Receive commissions based on your superannuation balance, investments, or financial outcomes.
  • Benefit from or influence the advice you receive from any referred professional.

6. Disclaimers

While we aim to keep the information on our Website accurate and current, we cannot guarantee that it is always up to date. You should independently verify any information before making decisions.

All educational material provided on this Website, including suggestions and summaries generated by our proprietary AI system, is for general informational purposes only and is not a substitute for personalised professional advice. We strongly recommend consulting a qualified and licensed advisor before making any financial, legal, or investment decisions.

For authoritative information about superannuation, visit MoneySmart.

6A. Educational Content and AI Use

Some insights, tips, or resources provided may be generated by our proprietary AI system. While we aim to offer helpful, tailored suggestions:

  • The information is general and intended for educational purposes only.
  • It should not be relied upon as financial, legal, tax, or investment advice.
  • Personalised advice should always be obtained from a qualified, licensed professional.
  • You are solely responsible for any decisions you make based on this information.

Privacy Policy

7. Commitment to Privacy

Seed Empire Group respects your privacy and complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
This Privacy Policy explains how we collect, use, store, and protect your personal information.

By using our Website, you consent to the practices outlined here.

For privacy-related inquiries, amendments, or complaints, contact: info@fcaagroup.com.au

8. What We Collect

We collect personal information you voluntarily provide, including but not limited to:

  • Full name, date of birth, and contact details (email, phone, address)
  • Superannuation details, employment status, and related financial or professional information
  • Enquiry content, uploaded documents, images, or photographs
  • Device-related data such as IP address, browser type, and geolocation information

We may also receive information from authorised third-party providers, comparison services, or partner organisations with your consent.

9. How We Use Your Information

We use your information to:

  • Facilitate referrals to licensed professionals at your request
  • Provide educational resources and relevant updates
  • Improve the quality of our services and platform
  • Send direct marketing communications, which you can opt out of at any time

We only share your information:

  • With your explicit consent, to the professionals or partners you’re referred to
  • When required or authorised by law

We do not sell or trade your personal information to third parties.

10. Protecting Your Information

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. Personal data is securely destroyed or de-identified upon request or when no longer required.

11. Cookies and Tracking

Our Website uses cookies to:

  • Improve browsing and user experience
  • Keep you logged in during sessions
  • Collect anonymous analytics data

You can adjust your browser settings to refuse cookies, but this may limit functionality.

Our Website may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites.

13. Complaints and Inquiries

If you have questions, concerns, or complaints about your privacy, please contact our Privacy Officer at: info@fcaagroup.com.au
We handle all inquiries confidentially and aim to resolve complaints promptly and fairly.

Intellectual Property

All content, including text, graphics, and educational materials published on this Website (excluding third-party content), is the intellectual property of Seed Empire Group. You may not reproduce, modify, or distribute our content without written consent.

Updates to This Policy

We may update these Terms and Privacy Policy periodically to reflect changes in laws, technology, or our services. Updates take effect upon publication on this Website.

Contact Details Seed Empire Group Pty Ltd
Email: info@fcaagroup.com.au
Phone: 02 8935 6447