|About this security and privacy statement|
This security and privacy statement applies to this website which is operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name "www.anz.com" ("ANZ website"). The ANZ website is operated on behalf of ANZ and its related bodies corporate (together called the "Australia and New Zealand Banking Group"). The information described in this security and privacy statement may be shared between members of the Australia and New Zealand Banking Group.
This security and privacy statement may also apply to services offered by ANZ on websites hosted by third parties. If so, express reference to this security and privacy statement will be made on those websites.
ANZ understands and appreciates that you, as an ANZ website visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. ANZ is committed to protecting your privacy. This ANZ security and privacy statement explains how your personal information will be treated as you access and interact with the ANZ website.
As the ANZ website develops and as technology evolves, ANZ will continue to strive to provide you with better and more customised services and with a more effective website. ANZ encourages you to review the security and privacy statement periodically because the security and privacy statement may change from time to time.
In addition to the provisions of this security and privacy statement, there may also be specific and additional privacy provisions which apply to certain sections of the ANZ website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on the ANZ website. In the event of any inconsistency between the provisions of this security and privacy statement and those other specific and additional provisions, the specific and additional provisions will prevail.
|Security of information|
ANZ regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although ANZ strives to protect such information, ANZ cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.
The information that ANZ collects about you is dependent on how you use the facilities offered by the ANZ website.
If you visit an unsecure area of the ANZ website (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.
The ANZ website offers a number of interactive facilities including tools such as budget planners and home loan calculators, as well as online surveys and application forms.
If you use any of the tools such as the budget planner or home loan calculator we generally do not capture any personal information that you may enter when using these tools. An exception to this is when a tool such as a budget planner allows you to suspend or save your plan and retrieve the details at a later time. In that case the information is stored on our systems so that you may recover the information when you resume your plan. Any information stored in a suspended or saved budget planner or other similar tool will not be viewed by ANZ.
If you decide to complete an online application form, ANZ may collect the personal information entered into this application form before it is submitted. ANZ may use this personal information to progress your application, including contacting you or any other person about whom you provide personal information about incomplete applications. You can call ANZ on 13 14 14 at any time to withdraw your consent to this use of personal information.
If you suspend or save your application, for example because you wish to complete it at another time, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. You may only recover this information within 30 days. After this time, the information is deleted. Online applications that have been suspended or saved will not be processed by us unless you complete an application and agree to submit it.
If you decide to complete an online survey, the information that you enter into the survey will only be collected by ANZ if you submit your survey. If at any stage you cancel your application or log out prior to submitting your survey, the information you have entered up to that point will be automatically deleted.
ANZ uses Liveperson Inc. to deliver its live chat facility. This facility is intended to be for the benefit of users wishing to make inquiries about a banking product in the Australian market. If you decide to participate in a live chat, Liveperson Inc., on behalf of ANZ, collects, stores, uses and discloses any personal information that you provide for quality assurance purposes and to allow ANZ to follow up with you in relation to your inquiry. Liveperson Inc. is required under its arrangements with ANZ to maintain the privacy and confidentiality of that personal information.
ANZ will not ask you to disclose sensitive information (as defined by law) during a live chat, but if you elect to provide sensitive information it will also be captured and stored. Sensitive information, as defined by law, is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
Third party websites
The ANZ website also contains links to the websites of third party providers of goods and services ("Third Party websites"). If you have accessed Third Party websites through the ANZ website and if those third parties collect information about you, ANZ may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a Third Party website from the ANZ website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.
Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.
|Collection of IP addresses|
It is necessary for ANZ to collect your IP address for your interaction with various parts of the ANZ website. Your IP address is the identifier for your computer when you are using the internet.
For instance, ANZ collects and stores your IP address when you log into ANZ Internet Banking. As part of our security for ANZ Internet Banking, ANZ uses this information when we attempt to detect and prevent fraudulent transactions in Internet Banking. We collect and store your IP address for security and audit purposes and as described under the heading “Information collected by online security service”below.
Your IP address will not otherwise be used by us or released to any third party except in the case of inappropriate behaviour or for monitoring and addressing actual or potential security and fraud issues, such as unauthorised access to your or our computer systems or fraudulent transactions.
|Information collected by online security service|
ANZ uses a third party online security service in order to better protect your online security when using ANZ Internet Banking. As part of this service, the third party collects and analyses information from your browser session to detect security threats or vulnerabilities that may be on or associated with your computer or device. As a general rule, no personal information is collected by this third party. However, if any personal information is collected, this third party is required under their arrangements with ANZ to maintain the privacy and confidentiality of that personal information.
The information collected by the online security service is collected from your browser. It may include IP address, a unique session identifier, web-browser type and version, HTTP headers and malicious software data.
If no vulnerabilities or threats are detected, ANZ has arranged that the information collected from your browser should be deleted by the third party within 24 hours. If vulnerabilities or threats are detected, the information is provided by the third party to ANZ for security purposes. This information is held by the third party in Australia. If vulnerabilities or threats are detected, the information may also be transferred to and held by the third party in the United States for the purposes of providing better online security threat detection services.
By using ANZ Internet Banking, you authorise ANZ to conduct online vulnerabilities and threat detection and access information from your browser session for security purposes.
Please note: any online vulnerabilities and threat detection undertaken by or on behalf of ANZ should not be considered a substitute for or alternative to customers undertaking their own precautions and protective measures including maintenance of appropriate anti-virus software.
|Advertising and tracking|
ANZ uses Doubleclick International Asia BV to deliver its online advertising where ANZ banner advertisements are placed on Third Party websites ('Advertising Company').
When you view an ANZ advertisement on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:
When you access the ANZ website after viewing an ANZ advertisement on a Third Party website, the advertising company collects information on how you utilise the ANZ website (eg which pages you view) and whether you complete an online application.
In addition, ANZ also uses Omniture tracking company to collect information on how you utilise the ANZ website.
The advertising company and tracking companies ('companies') use that information to perform statistical analyses of aggregate user behaviour, but those analyses are not based on personal information. ANZ uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of the ANZ website. As a general rule, no personal information is collected by the Companies in this process. If, however, any information is automatically collected, these companies are required under their arrangements with ANZ to maintain the privacy and confidentiality of that personal information.
We may disclose the information collected by a company, in an aggregate form only, to third parties including advertisers or potential advertisers.
You can opt-out of DoubleClick cookies. This opt-out is applicable to DoubleClick tracking your current browser throughout DoubleClick's network of websites, including the ANZ website.
We use "cookies" as a fundamental part of our interaction with your internet browser. The purpose is to provide you with better and more customised service and with a more effective website.
Most of the ANZ website operates by using this type of cookie.
Accordingly, if you wish to make full use of the ANZ website, it is required that you accept cookies.
You may still be able to use some information-only pages even if you do not accept cookies.
|How we handle email|
We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by our ANZ employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.
|Use and disclosure of information|
|Acceptance and changes to security and privacy statement|
This is the current security and privacy statement. It replaces any other security and privacy statement for the ANZ website published on the ANZ website to date. ANZ may at any time vary the security and privacy statement by publishing the varied security and privacy statement on the ANZ website. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.
Date of Publication - December 2015 - Version 11.
Adobe and Acrobat Reader are trademarks of Adobe Systems Incorporated.