Privacy Statement

ANZ will collect and use information about you during the course of your relationship with ANZ.

Collection, use and disclosure of information

ANZ may use and disclose the information we collect about you for the following purposes:

• to assist in providing information about a product or service;

• to consider your request for the product or service;

• to enable ANZ to provide the product or service;

• to assist in arrangements with other organisations (such as loyalty partners) in relation to the promotion or provision of a product or service;

• to manage accounts and perform other administrative and operational tasks (including risk management, systems development and testing, credit scoring, staff training, collecting debts and market or customer satisfaction research);

• to consider any concerns or complaints you raise against ANZ and/or to manage any legal action involving ANZ;

• to identify, prevent or investigate any fraud, unlawful activity or misconduct (or suspected fraud, unlawful activity or misconduct);

• to identify you or establish your tax status under any Australian or foreign legislation, regulation or treaty or pursuant to an agreement with any tax authority; and

• as required by relevant laws, regulations, codes of practice and external payment systems.

ANZ generally collects this personal information directly from you. In some cases, ANZ may collect this information from third parties, including from the operator of the Customer Portal.

Providing your information to others

ANZ may provide your information to:

• any related entity of ANZ which may use the information to: carry out ANZ’s functions and activities; promote its own products and services; assess your application for one of its products or services; manage your product or service; perform administrative and operational tasks (including debt recovery); or comply with regulatory requirements and prudential standards;

• an organisation that is in an arrangement with ANZ to jointly offer products or services and/or has an alliance with ANZ to share information for marketing purposes (and any of its outsourced service providers or agents), to enable them or ANZ to: provide you with products or services; and/or promote a product or service;

• any agent, contractor or service provider ANZ engages to carry out or assist its functions and activities (for example, mailing houses or debt collection agencies), including the operator of the Customer Portal;

• an organisation that assists ANZ to identify, prevent or investigate fraud, unlawful activity or misconduct;

• regulatory bodies, government agencies, law enforcement bodies and courts;

• other parties ANZ is authorised or required by law or court/ tribunal order to disclose information to;

• participants in the payments system (including payment organisations and merchants) and other financial institutions (such as banks);

ANZ may disclose information to recipients (including service providers and ANZ’s related entities) which are (1) located outside Australia and/or (2) not established in or do not carry-on business in Australia. You can find details about the location of these recipients in ANZ’s Privacy Policy and at anz.com/privacy.

Collecting sensitive information

ANZ will not collect sensitive information about you, such as information about your health, without your consent.

Personal information you provide about someone else

If you give ANZ personal information about someone else, please show them a copy of this clause so that they may understand the manner in which their personal information may be used or disclosed by ANZ in connection with your dealings with ANZ.