Privacy Policy

We are committed to ensuring the privacy and security of your personal information.

What information do we collect?

We collect information about you when you use our products or services, or deal with us. We may also collect information about you from other people and organisations.

Information we collect from you

We collect personal information about you when you use our products or services, or deal with us in some way.

This includes collecting information when you:

The information we collect from you may include:

• Information about your identity — including your name, address, date of birth, gender and marital status
• Your Tax File Number or tax residency status
• Health information — for example for insurance purposes
• Financial and transaction information
• Other personal information, such as details of your interactions with us.

Information we collect from others

The Privacy Act protects your sensitive information — such as information about your religion, ethnicity, health or biometrics (for example, your fingerprints). If we need this type of information, we’ll ask for your permission — except where otherwise allowed by law.

How do we use your information?

We’re careful about how we use your information. We use it to deliver our products and services. We also use your information for other reasons, such as to better understand you and your needs, and to let you know about other products and services you might be interested in.

We collect, use and exchange your information so we can:

• Confirm your identity
• Assess your application for a product or service
• Design, manage, price and provide our products and services
• Manage our relationship with you
• Minimise risks and identify or investigate fraud and other illegal activities
• Contact you, for example, when we need to tell you something important
• Improve our service to you and your experience with us
• Comply with laws, and assist government or law enforcement agencies
• Manage our businesses.

We may also collect, use and exchange your information for other reasons where the law allows or requires us.

Bringing you new products and services

From time to time, we may also use your information to tell you about products or services we think you might be interested in. To do this, we may contact you by:

• Email
• Phone
• Mail

Using data to give you better customer service

We’re always working to improve our products and services and give you the best customer experience.

New technologies let us combine information we have about you and our other customers, for example transaction information, with data from other sources, such as third party websites or the Australian Bureau of Statistics. We analyse this data to learn more about you and other customers, and how to improve our products and services.

We sometimes use this combined data to help other businesses better understand their customers. When we do, we don’t pass on any personal information about you.

Who do we share your information with?

We may also share your information with third parties where the law otherwise allows.

These third parties can include:

• Service providers — for example, mortgage insurers
• Businesses who do some of our work for us — including direct marketing, statement production, debt recovery and IT support
• Brokers, agents, advisers and people who act on your behalf — such as your parent (if you are under 14), guardian, or a person with Power of Attorney
• Guarantors and other security providers
• Organisations involved in our funding arrangements — like loan purchasers, investors, advisers, researchers, trustees and rating agencies
• People who help us process claims — like assessors and investigators
• Other banks and financial institutions — for example, if we need to process a claim for a mistaken payment
• Auditors, insurers and re-insurers
• Current or previous employers — for example, to confirm your employment
• Government and law enforcement agencies or regulators
• Credit reporting bodies and credit providers
• Organisations that help identify illegal activities and prevent fraud

Sending information overseas

Sometimes, we may send your information overseas, including to:

• Service providers or third parties who store data or operate outside Australia
• Complete a transaction, such as an International Money Transfer
• Comply with laws, and assist government or law enforcement agencies

Keeping your information safe

We are are trained in how to keep your information safe and secure. We use secure systems and buildings to hold your information. We aim to only keep your information for as long as we need it.

We store your hard copy and electronic records in secure buildings and systems, or using trusted third parties. Here are some of the things we do to protect your information.

We aim to keep personal information only for as long as we need it – for example for business or legal reasons. When we no longer need information, we take reasonable steps to securely destroy or de-identify it.

If you want to update your personal information, or if you have a privacy concern, or need more information - help is just a phone call away.