Cookie Notice
Website & Digital Platform Cookie Policy
Introduction
ARM Financial Services Pty Ltd (ABN 35 659 595 570) ('ARMF') and ARM UP Pty Ltd ('ARMUP'), together the 'ARM Financial Services Group', operate the websites www.armf.com and www.armup.com and associated digital platforms (collectively, 'our platforms'). This Cookie Notice explains how we use cookies and similar tracking technologies on our platforms, and how you can manage your preferences.
By continuing to use our platforms, you consent to the use of cookies as described in this notice, unless you choose to opt out using the methods set out below.
What Are Cookies?
Cookies are small text files that a website places on your device (such as a computer, smartphone or tablet) when you visit it. Each cookie contains a short piece of information, typically a unique identifier and a set of values, which is stored by your web browser. Cookies allow a website to recognise your device, remember your actions and preferences over time, and respond accordingly, so that you do not have to re-enter the same information each time you return or move between pages.
How cookies work. When you visit a website, the site's server may send a cookie to your browser, which stores it on your device. On later visits, or as you navigate to other pages of the same site, your browser sends the cookie back to the server that set it. This exchange allows the website to maintain your session, recognise returning visitors and apply the choices or information you have previously provided.
Depending on its purpose, a cookie may contain or collect the following types of information:
- Unique identifiers — a randomly generated code that distinguishes your browser or device from others
- Preference and settings data — such as your preferred language, currency or display choices
- Session and authentication data — information that keeps you logged in and helps protect your session
- Usage and technical data — such as the pages you view, how long you stay on them, how you arrived at our platforms, your browser and device type, and any errors you experience
Cookies are widely used to make websites function, to help them operate more efficiently and securely, to improve the user experience, and to provide information to website owners about how their sites are being used. Cookies are passive files: they are not programs, they cannot run code, and they cannot access other files on your device or carry viruses.
Cookies may be set directly by the website you are visiting (known as first-party cookies) or by another organisation whose services are embedded in or connected to that website (known as third-party cookies). Cookies may also be classified by how long they remain on your device, being either session cookies or persistent cookies, as explained in the section on Cookie Retention below. In addition, cookies may be classified by purpose, and the categories we use are described under Types of Cookies We Use below.
Some cookies are essential to the operation of our platforms, while others are optional and used only for analytics, personalisation or similar purposes. You can control non-essential cookies as described in the section on How to Manage Your Cookie Preferences below.
Where a cookie is linked to information that identifies you, or can reasonably be used to identify you, that information is treated as personal information and is handled in accordance with applicable privacy laws and our privacy policies.
In addition to traditional cookies, we may also use other technologies that store or access information on your device or in your browser, or that operate in a comparable way. These include:
- HTML5 local storage — a browser feature that allows a website to store information on your device beyond a single browsing session, so that it remains available when you return until it is cleared
- Web beacons / pixel tags — small, typically transparent images or code snippets embedded in web pages or emails, used to measure how content is viewed and to understand website and campaign usage
- Session storage — a browser feature that holds temporary data for the duration of a single browser tab or session only, and which is removed when that tab or session is closed
For the purposes of this Cookie Notice, all of these technologies are referred to collectively as 'cookies', and references to the use of cookies include the use of any of them.
Types of Cookies We Use
Strictly Necessary Cookies
These cookies are essential for our platforms to function correctly. They enable you to navigate the site and use its features, such as logging in, completing forms and processing transactions. These cookies cannot be disabled without significantly affecting the functionality of our platforms.
Performance and Analytics Cookies
These cookies collect information about how visitors use our platforms, including which pages are visited most often, how users navigate between pages and whether users experience any errors. This information is used to improve the performance and user experience of our platforms. The information collected is aggregated and anonymous.
We use Google Analytics to analyse platform usage. Google Analytics stores information about what pages you visit, how long you are on the site, how you got there and what you click on. This service uses cookies, and the information collected is transmitted to and stored by Google on servers which may be outside Australia. To opt out of being tracked by Google Analytics, visit https://tools.google.com/dlpage/gaoptout.
Functional Cookies
These cookies allow our platforms to remember choices you make (such as your preferred language or currency) and provide enhanced, more personalised features. They may also be used to provide services you have asked for, such as watching a video or commenting on a blog.
Security Cookies
We use cookies to support our fraud detection, security and compliance functions, including to verify identity during your session and to detect suspicious activity on your account.
Cookie Retention
The length of time a cookie is stored on your device depends on its type:
- Session cookies: automatically deleted when you close your browser
- Persistent cookies: retained for the period set in the cookie, typically up to 13 months, unless you delete them earlier
You can review and delete cookies stored on your device at any time through your browser settings.
Third-Party Cookies
Some cookies on our platforms are set by third-party service providers we work with for analytics, security and service delivery. These third parties may use cookies to collect information about your online activity across different websites. We do not control the use of cookies by third parties, and their use is subject to their own privacy and cookie policies.
How to Manage Your Cookie Preferences
You can manage, restrict or delete cookies through your web browser settings. Instructions for common browsers are provided below:
- Google Chrome: Settings > Privacy and Security > Cookies and other site data
- Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
- Microsoft Edge: Settings > Cookies and Site Permissions > Cookies and Data Stored
- Apple Safari: Preferences > Privacy > Manage Website Data
Please note that if you restrict or delete cookies, some features of our platforms may not function as intended, and your experience may be affected.
You can also use the cookie preferences settings available on our platforms (where provided) to manage your consent for non-essential cookies.
Further Information
For more general information about cookies and how to manage them, please visit:
If you have any questions about our use of cookies, please contact us at:
ARM Financial Services Group
Suite 110, Level 1, 530 Little Collins Street, Melbourne VIC 3000, Australia
Email: support@armf.com
Changes to This Cookie Notice
We may update this Cookie Notice from time to time to reflect changes to our platforms, technology or regulatory requirements. We will post the updated notice on our platforms with a revised effective date. We encourage you to review this Cookie Notice periodically.
This Cookie Notice was last updated on 1 November 2026.