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ANZ Plus Digital T&Cs

The ANZ Plus Digital T&Cs

These are the terms that apply to ANZ Plus Digital Channels.

When you download the ANZ Plus App and use it, a contract is made between you and us on these terms. We call the terms of the contract the ANZ Plus Digital T&Cs.

ANZ Plus Digital Channels and the ANZ Plus Digital T&Cs can change. Read 'Things can change…'.

The ANZ Plus Digital T&Cs are important. You should read them.

ANZ Plus is digital first

You'll need to do and have some things

Accessing and using the ANZ Plus App

The ANZ Plus App can be downloaded from the Australian Apple App Store or the Australian Google Play Store. We may make the ANZ Plus App available on an app store outside Australia for the convenience of eligible ANZ Plus customers.

The ANZ Plus App will be governed by the rules of the Apple App Store or the Google Play Store (as applicable).

To download, access and use the ANZ Plus App you'll need:

  • internet access
  • an Australian mobile number that is not connected to an existing ANZ Plus Digital ID and
  • an electronic device with an operating system that meets the minimum requirements we set from time to time.

You must also register your electronic device with us and choose a PIN which you'll use to access the ANZ Plus App.

Accessing and using ANZ Plus Web Banking

We may make ANZ Plus Web Banking available to you.

To access and use ANZ Plus Web Banking you'll need:

  • access to the ANZ Plus App
  • internet access and
  • an electronic device with a compatible web browser.

You may not be able to do everything in ANZ Plus Web Banking

You may not be able to do everything in ANZ Plus Web Banking that you can do in the ANZ Plus App – like make and manage certain types of payments or contact a Coach.

Communications

Because ANZ Plus is digital, you agree that we'll generally communicate with you electronically and where we do paper copies may not be available. You must access the ANZ Plus App regularly to check for any important notices or updates.

Read 'How we'll contact you' in 'Getting in touch'.

If you change your electronic device

We use your electronic device to create your unique ANZ Plus Digital ID.

If you register a new electronic device to access ANZ Plus, we’ll need to de-register the one you previously registered.

Keep up to date

We'll make changes and updates to ANZ Plus Digital Channels from time to time – like making improvements or adding new features or products and services.

You must keep your electronic device's operating system, web browsers and the ANZ Plus App up to date. If possible, we recommend turning on automatic app updates in your electronic device settings.

We may require you to update the ANZ Plus App or switch to a new app to continue to access products and services (and your money). If you don't, we can stop allowing you to access or use the ANZ Plus App.

This is important!

It's your responsibility to make sure you always have and do the things set out in, and comply with, the ANZ Plus Digital T&Cs.

You may not be able to access or use ANZ Plus Digital Channels or products and services (or your money) if you don't.

Stay safe and secure!

It's your responsibility to keep your electronic devices (including your mobile phone and any security keys), internet access, Visa Debit Card and each ANZ Plus Digital Channel safe and secure, including your Biometric Identifiers, passkeys and Passcodes.

You must:

  • choose complex Passcodes and change them regularly – Passcodes must not be or include your birth date or be a recognisable part of your name or include sequential or repetitive numbers
  • keep your Passcodes secret, safe and secure – don't tell anyone what they are and don't store them on or with your electronic devices unless you can reasonably protect them
  • if you do store your Biometric Identifiers, passkeys or Passcodes on an electronic device, take appropriate steps to delete them if you are no longer using that device
  • keep your electronic devices safe and secure such as by using a PIN, passkey, Biometric Identifier or similar authentication method to access them. If you do use a passkey, don’t share the passkey with someone else or sync it to a device that is used by others
  • keep your electronic devices protected from viruses
  • keep your personal information and ANZ Plus account information correct and up-to-date
  • not allow anyone else to access or use your ANZ Plus Digital ID or ANZ Plus Digital Channel
  • not store the Biometric Identifier of any other person on your electronic devices for identity authentication purposes relating to ANZ Plus Digital Channels or any product or service accessed on an ANZ Plus Digital Channel – like Face ID or Touch ID and
  • delete the ANZ Plus App before you sell, lend or get rid of your electronic device. Read 'How to contact us'.

If you don't do these things, you may be liable for your losses (including if someone takes money out of a product available on or accessed through an ANZ Plus Digital Channel without your permission). What you're liable for will be determined by the ePayments Code.

If you know or suspect that an ANZ Plus Digital Channel has been accessed by someone else, or a Passcode, Biometric Identifier, Visa Debit Card or electronic device has been compromised, you must tell us straight away. You should also check the terms and conditions of the products and services that are available on or accessed through the ANZ Plus Digital Channels as you may need to do other things.

Face ID and other facial recognition

Face ID is a Biometric Identifier that analyses facial features. If the electronic device you use to access an ANZ Plus Digital Channel has Face ID or a similar facial recognition technology then there is a risk that certain people may be able to access your electronic device because Face ID or the other facial recognition technology thinks that they are you. This is more likely to occur:

  • if you have a twin or sibling that looks like you; or
  • amongst children under the age of 13, because their distinct facial features may not have fully developed.

You can avoid this risk by using a PIN instead of a Biometric Identifier to access your electronic device.

About use

Your right to use ANZ Plus Digital Channels

You have a limited right to use ANZ Plus Digital Channels that we make available to you to access products and services, and any third party products and services, available on or via an ANZ Plus Digital Channel from time to time and in accordance with the ANZ Plus Digital T&Cs and the terms that apply to those products and services. Nothing in these ANZ Plus Digital T&Cs is intended to give you any other right, title or interest in those products or services.

The ANZ Plus App is provided to you by us. We are responsible to you for it, even where you download it from Apple or Google. Apple and Google aren't responsible for it. These words apply for their benefit.

If you have any queries or issues (including any legal issues) about the ANZ Plus App, you must contact us, not Apple or Google.

You also agree that we (and Apple or Google or any third party who you may connect or interact with on or via the ANZ Plus App) may collect and store information relating to your electronic device – like network type and carrier name, device type and model, operating system, screen resolution and the location of your mobile phone. In some cases, the IP address is collected to determine the location of your electronic device, but is then deleted and not stored. If you don't consent to the collection of this information, you must stop using the ANZ Plus App and delete it. Read 'Stopping and deleting'.

Partner Add-Ons

Where a third party provides you with any Third Party Products or Services, that third party is responsible to you for those Third Party Products or Services. You may be asked to agree to the terms and conditions of the third party before accessing its Third Party Products or Services. Those terms and conditions will govern your relationship with the third party (including in respect of any information they collect from you while you are using the relevant Partner Add-On). We are not responsible for any Third Party Products or Services nor the accuracy of any information a third party gives you on or via a Partner Add-On.

If you agree to access any Third Party Products or Services, that third party provider will know that you are an ANZ Plus customer.

By connecting you with these third parties, we do not arrange for you to receive any form of banking service or financial service from the third party.

If you have any queries or issues about any Third Party Products or Services (or the collection of your personal information by) these third parties on or via the ANZ Plus App, you should contact the third party responsible for those Third Party Products or Services, not us.

Property Tools and Property Data

We may make Property Tools available to you or let you obtain Property Data in the ANZ Plus App.

You do not acquire any right, title or interest to the Property Data other than a non-exclusive and non-transferable limited license to use the Property Data for personal purposes in connection with an ANZ Plus Home Loan application.

The CoreLogic End User Terms apply to Property Data supplied by CoreLogic. If there is an inconsistency between the ANZ Plus Digital T&Cs and the CoreLogic End User Terms in respect of Property Data supplied by CoreLogic, the CoreLogic End User Terms will apply to that Property Data.

The Property Data (including valuations) and the Property Tools may change without notice.

Property Data and Property Tools are provided for general informational purposes only and is not intended to be financial, accounting or other professional advice. You should check the Property Data provided, as it may or may not be right.

The valuation obtained in your ANZ Plus Home Loan application may be different from the market value or the actual sale price of the property (if the property is sold).

You must only use the Property Tools and Property Data in the ANZ Plus App for personal purposes. You must not:

  • use the Property Data or Property Tools for any commercial or illegal purpose
  • sell, copy, distribute, reproduce, commercialise, publish, incorporate into other material or aggregate the Property Data
  • exploit any part of the Property Data or the Property Tools for the benefit of a third party
  • use any automated device, data aggregation tool, software, process or means to data mine the Property Data or scrape, crawl, aggregate, index, retrieve, copy or extract any Property Data or any part of the Property Tools or
  • encourage anyone else to do these things.

Acceptable Use

You must not alter an ANZ Plus Digital Channel in any way, including:

  • manipulating an ANZ Plus Digital Channel to alter your access
  • reverse engineering an ANZ Plus Digital Channel
  • interfering with the operation of an ANZ Plus Digital Channel
  • removing or altering any notice contained in an ANZ Plus Digital Channel or
  • using any data mining or extraction tools in connection with an ANZ Plus Digital Channel.

You must not use an ANZ Plus Digital Channel to do anything that is, or we reasonably think is, illegal, unethical, abusive or inappropriate, or let someone else do this.

Additionally, you must not override, modify or otherwise compromise software or security restrictions on any electronic device you use to access an ANZ Plus Digital Channel, including but not limited to:

  • rooting, emulating, or jailbreaking the device
  • installing apps (including the ANZ Plus App) from untrusted or unofficial sources or
  • disabling device permissions intended for the correct functioning of an ANZ Plus Digital Channel.

You agree that you have the right to upload any images and other information or material that you upload to an ANZ Plus Digital Channel, or give to us any other way, and that such images and other information or material:

  • are not offensive, illegal, unethical or inappropriate in any way and
  • don't and won't infringe any intellectual property rights or other rights of any person.

We can remove any images or other information or material you upload or otherwise give to us if we think it doesn't comply with this section or these ANZ Plus Digital T&Cs.

Not always available

Upgrades, outages and more

There might be times when you won't be able to access or use an ANZ Plus Digital Channel or products and services (or your money) – like if we do maintenance or upgrades or if there is an outage.

We'll generally try to tell you about scheduled maintenance and upgrades before they happen and do them at a time that we think is less busy and inconvenient.

The availability of ANZ Plus Digital Channels is also dependent on the reliability and availability of third party providers – like the software and network providers that enable you to access an ANZ Plus Digital Channel.

Using pre-release versions of your electronic device’s operating system may impact ANZ Plus Digital Channels being available or working as they should.

You may not be able to access all features of an ANZ Plus Digital Channel if your electronic device is faulty or not fully operational.

Some features or functionality of ANZ Plus Web Banking may not be available for certain types or versions of browsers or operating systems. 

You agree to this. Subject to any right or remedy which cannot be excluded, restricted or modified under law, we aren't responsible if an ANZ Plus Digital Channel isn't available and it affects you (unless it's because of our breach of these ANZ Plus Digital T&Cs, our negligence, fraud or wilful misconduct).

Stopping and deleting

Stopping access or use

When we can suspend, block access and use of ANZ Plus Digital Channels

We can suspend, block or close your access or use of ANZ Plus Digital Channels without telling you if:

  • you owe us money and you haven't paid us after receiving a request from us asking you to
  • we're required to by law, court order or a direction of a regulator
  • you access an ANZ Plus Digital Channel from a Prohibited Jurisdiction
  • we think there is a Regulatory Risk
  • we reasonably think an ANZ Plus Digital Channel, or any electronic device you use to access an ANZ Plus Digital Channel, is being used fraudulently or illegally
  • we reasonably think that you haven't complied with the ANZ Plus Digital T&Cs in a material way and you haven’t fixed the non-compliance in a reasonable time after we ask you to do so
  • any of the reasons that would let us close an account or stop providing you any products or services without telling you in advance apply
  • we reasonably think you are using any account you have with us or an ANZ Plus Digital Channel to engage in financial or other abuse, unlawful behaviour or to engage in offensive, threatening, defamatory, harassing or controlling behaviour or
  • we think it's reasonably necessary in our legitimate business interests.

We can block or suspend your access or use of ANZ Plus Digital Channels if you notify us that your electronic device has been lost or stolen or you suspect fraudulent activity.

We can also block or suspend your access or use of ANZ Plus Digital Channels without reason if we tell you a reasonable time before we do so.

You can contact us if we do this.

You can stop accessing or using or delete the ANZ Plus App

You can stop accessing or using the ANZ Plus App or delete it any time. You should first think about what happens to any products or services (including any third party products and services) that you access or use through the ANZ Plus App in case you need to do something. This is because deleting the ANZ Plus App won’t terminate those products or services, or end your obligation to make repayments if you owe us money – and you might not be able to access those products or services (or your money) another way.

Privacy and your information

Privacy

We will collect, store, use and disclose information about you. Our ANZ Plus Privacy Collection Notice sets out when and how we do this. You should read it. Some of the important things that it explains are:

  • the types of information we collect about you
  • what we use your personal information for, which includes providing the products and services to you and for marketing and analytics purposes and
  • the third parties we may share your information with (including that some third parties are located overseas).

You agree that we may collect, store, use and disclose biometric details about how you use your electronic device and ANZ Plus Digital Channels (such as how you type, click, scroll and swipe), as well as biometric templates generated from those details, to help prevent fraud.

We may update our ANZ Plus Privacy Collection Notice if we store, use and disclose information about you in a new way or for a new purpose or we might ask you for permission instead.

Curious?

You should also read our Privacy Policy on the ANZ Privacy website. It tells you more about our privacy practices, including how you can raise concerns – like if you think we have not complied with the privacy laws that apply – and how we'll respond. Privacy laws are any laws that relate to how ANZ must protect and handle an individual's personal information.

You must tell us…

About changes

You must tell us if:

  • you change your name
  • you change any of your contact details or
  • any of the things you told us about your residency, citizenship, occupation or tax residency changes.

In some cases, you can do this by updating the information in the ANZ Plus App. Otherwise, to find out how to tell us about the change or get help, see ‘How to contact us’.

You must do these things regardless of whether you give us this information in any other way – like in connection with another product or service that you have with us outside ANZ Plus Digital Channels.

If you have told us about changes in another way then those details (or only some of them) may also change in ANZ Plus Digital Channels. This means you should make sure your details in the ANZ Plus App are always correct.

You must provide us information we reasonably ask for to verify the change.

If we ask for information

Sometimes we might ask for information from you – like if the AML laws require us to collect information or if we need further information to confirm your identity, communicate with you, or provide the ANZ Plus products and services to you.

You must provide us with information we reasonably ask for (otherwise we may block, suspend or restrict access or use of ANZ Plus Digital Channels).

About ‘My Accounts’

We may make the My Accounts feature available in the ANZ Plus App.

The My Accounts feature allows you to see a consolidated view of eligible linked accounts in the ANZ Plus App. This may include ANZ Plus accounts, as well as other eligible ANZ accounts and eligible accounts held with other banks or providers.

Amounts shown in My Accounts may not be personal to you

My Accounts will show your ANZ Plus accounts.

If you link other ANZ accounts, My Accounts will show eligible accounts connected to your ANZ profile. This may include accounts that are not personal to you, such as joint accounts, business accounts and trust accounts.

Accounts held with other banks or providers will be displayed based on what you choose to link to My Accounts. This may include accounts that are not personal to you.

This means that the amounts shown in My Accounts may not reflect your personal financial position.

Understanding the amounts in My Accounts

Information about each linked account and about the amounts displayed is available in the My Accounts feature.

For ANZ Plus accounts as well as other ANZ accounts, My Accounts will generally show an indicative amount you may be able to use or an indicative amount you may owe. Check ‘About amounts shown’ and ‘About transactions’ in the ANZ Plus Deposit Accounts T&Cs for more.

If you've connected accounts held with other banks or providers, the amounts displayed are sourced from the third parties you've authorised under the Consumer Data Right. ANZ does not control the data that we receive and does not guarantee that the amounts shown are correct. These third parties have not reviewed or endorsed the ANZ Plus App or My Accounts feature. Please contact the third party for any questions you have about these amounts. ANZ does not use, store or retain the information displayed for accounts held with other banks or providers for the purposes of assessing an ANZ Plus home loan application.

We can’t guarantee that the amounts and other details displayed in My Accounts will always be accurate. If you make a payment or transaction when there may be insufficient funds, you may overdraw your account or the transaction may be declined or not processed.

Things can change…

Changes to ANZ Plus Digital Channels

We can change an ANZ Plus Digital Channel – like changing, adding or removing features, products and services and updating it – or introduce a new ANZ Plus Digital Channel, without your consent.

Changes to the ANZ Plus Digital T&Cs

We can change the ANZ Plus Digital T&Cs (including documents and things referred to in them) without your consent.

We don’t have to tell you about a change to the ANZ Plus Digital T&Cs before we make it where we think the change is needed to immediately restore or maintain the security of our banking processes and systems, products or services, or an ANZ Plus Digital Channel. We'll tell you about these changes after we make them.

We'll tell you about any other type of change:

  • that we reasonably consider is unfavourable to you – like adding a fee or a charge – at least 30 days before we make the change. We may give you less notice if it is reasonably necessary to manage a material and immediate risk or
  • that we reasonably consider has a positive or neutral effect on you – no later than the day we make the change.

We'll tell you in one of the ways set out in 'How we'll contact you'.

You can stop accessing or using the ANZ Plus App or delete it if you don't like a change we make. You may not be able to access products and services (or your money) if you do this. Read 'You can stop or delete'.

You can also stop accessing or using ANZ Plus Web Banking if you don't like a change we make.

Getting in touch

How to contact us

The best way to reach us is by contacting a Coach via the ANZ Plus App, or if you don't have access to the ANZ Plus App, by checking out the ANZ Plus website. Coaches are available from 9am-5pm, Monday to Friday, Melbourne time, excluding national public holidays. You may also contact us by a digital call using the ANZ Plus App.

You can also contact us on +61 (03) 4050 9272 if both your ANZ Plus Visa Debit card and phone are lost or stolen.

Read 'Complaints?' for ways to contact us to give feedback or make complaints.

How we'll contact you

We may contact you and tell you about things by:

  • making notifications or sending messages in the ANZ Plus App (in which case, you're taken to have received it the day we send it or make it available on the ANZ Plus App) or
  • mobile phone, email, text or push notification (in which case, you're taken to have received it on the day we send the notification to your mobile number, email address or via the ANZ Plus App).

You agree that we can do this. We'll let you know if we introduce a new feature which allows you to receive more information from us electronically.

We rely on the information you give us via the ANZ Plus App to contact you, so you must keep it up to date (regardless of whether you give us the information another way – like in connection with another product or service that you have with us outside of the ANZ Plus App).

Complaints?

We want your feedback

While we strive to get things right and present accurate information in ANZ Plus Digital Channels, we can’t guarantee their accuracy or that ANZ Plus Digital Channels will work perfectly all the time. Neither ANZ nor any of its group companies makes any representation or warranty regarding the completeness or accuracy of the information on or accessible via ANZ Plus Digital Channels.

If you have a complaint, please contact us first and we'll try to fix the problem. You may nominate another person (including another joint account holder) to make enquiries about a complaint on your behalf.

Information about ways to make a complaint can be found on the ANZ Plus App and the ANZ Plus website.

These include:

  • contacting a Coach using the In-App Messaging feature
  • completing an online form on the ANZ Plus website
  • The Australian Financial Complaints Authority (or AFCA) provides an independent financial services complaint resolution that is free to consumers. If an issue isn't resolved to your satisfaction, you can lodge a complaint with them:

Website: www.afca.org.au

Email: info@afca.org.au

Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Other terms

Insights

The ANZ Plus App has features that use transaction data to provide you with insights. They’re for general informational purposes only and are not intended to be financial, accounting or other professional advice, so you should check them, because they may or may not be right.

Scam Safe

The ANZ Plus App may have features that aim to help protect you against scam activity, but the features have limitations and can’t always protect you from scammers. This means it’s also your responsibility to protect your money by ensuring transactions you make are legitimate. If it doesn’t seem right, it probably isn’t, and we may not be able to recover losses as a result of scam activity.

Predictions

The ANZ Plus App has features where we may predict things – like upcoming payments or how much you might spend or save if something happens. They're just predictions so you should check them, because they may or may not be right.

ePayments Code and Banking Code of Practice

We'll comply with the ePayments Code. We are bound by the Banking Code of Practice. Relevant provisions of the Banking Code of Practice apply when we provide you with products and services through ANZ Plus Digital Channels.

The products and services available on ANZ Plus Digital Channels may have terms that tell you when and how you can make payments using ANZ Plus Digital Channels, how to keep the ANZ Plus Digital Channels, your Visa Debit Card and your electronic devices secure, and what to do if you make a payment by mistake or if a payment has not been authorised by you. When they apply, we will and you must comply with those terms as if they were included in these ANZ Plus Digital T&Cs too.

Dealings

You must get our consent before you deal with or create or allow an interest in an ANZ Plus Digital Channel, the ANZ Plus Digital T&Cs or our contract to arise.

We don't need your consent before we deal with or create or allow an interest in the ANZ Plus App, the ANZ Plus Digital T&Cs or our contract to arise and we don't have to tell you if we do. You can't claim any right of set-off or other rights against any transferee or other person who gets an interest in them from us.

You act on your own behalf

You agree that you're acting on your own behalf, unless:

  • you have told us you're a trustee or are acting on behalf of someone else or
  • you are acting in relation to a joint account, in which case you're also acting on behalf of all joint account holders.

The law that governs our contract

The law of Victoria governs the ANZ Plus Digital T&Cs and the contract.

You agree that any court with official power to make legal decisions and judgements in Victoria can hear proceedings in relation to our contract.

The limitations and exclusions on each party's liability in these ANZ Plus Digital T&Cs are made to the full extent permitted by law. Nothing in the ANZ Plus Digital T&Cs excludes any right or remedy which cannot be excluded, restricted or modified under law.

What some words mean

Words that have a special meaning

Some words have a special meaning when they're used in the ANZ Plus Digital T&Cs:

Add-On means the functionality (including all content) contained within an experience provided by ANZ or third-party partners of ANZ and installed via the Add-Ons Library.

Add-Ons Library is a collection of Add-Ons that you can install to customise your ANZ Plus App experience.

AML laws is any Australian or foreign law that relates to money laundering and counter-terrorism or sanctions.

ANZ is us! We’re Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) Australian Financial Services Licence Number 234527.

ANZ Plus is a digital banking platform provided by ANZ.

ANZ Plus App is the application we make available to you via an app store through which we may make the ANZ Plus proposition available to you.

ANZ Plus Digital Channel means the ANZ Plus App, ANZ Plus Web Banking and any other digital channel that we may make available to you to access the ANZ Plus proposition.

ANZ Plus Digital ID is the unique user identity we create for you when you register your mobile phone or other device with us.

ANZ Plus Privacy Collection Notice is the document by that name which can be found on the ANZ Plus website.

ANZ Plus Web Banking is the website we may make available to you through which you may be able to access the ANZ Plus proposition.

ANZ Plus website is the 'ANZ Plus' part of our website, www.anz.com.au or other website we tell you.

ANZ Privacy website means www.anz.com/privacy or other website we tell you.

Apple is Apple Inc.

Banking Code of Practice is the relevant version of the code with that name published by the Australian Banking Association that applies to us (or, if it's replaced, it means its replacement).

Biometric Identifier includes fingerprint, faceprint or similar biometric identifier.

Coach is an ANZ Plus Coach. Read 'How to contact us' in 'Getting in touch'.

CoreLogic means RP Data Pty Ltd.

CoreLogic End User Terms means the terms at https://www.corelogic.com.au/legals/end-user-terms in effect from time to time.

ePayments Code is the relevant version of the code with that name published by ASIC that applies to us (or, if it's replaced, it means its replacement).

Face ID is a trademark of Apple Inc.

Google means Google Asia Pacific Pte Ltd.

Partner Add-On means an Add-On provided and managed by a third-party partner of ANZ.

Passcode means a PIN, password, code generated by or stored in a token or other electronic device (e.g. a security key) or other code that is used to authenticate access to an ANZ Plus Digital Channel, or authenticate a transaction or message in an ANZ Plus Digital Channel.

PIN is a personal identification number like the one that is used to access the ANZ Plus App.

Policies are our anti-money laundering and counter-terrorism and sanctions policies and can change from time to time – e.g. the policies require that we generally don't enter into or remain involved in transactions that have any connection to certain countries or have any connection with some sectors of the economy in some jurisdictions. A summary of our Policies is available on anz.com.au.

Prohibited Jurisdiction is a country or region identified in our Policies.

Property Data means information about your property, such as a valuation, photographs and property attributes, supplied by ANZ and third-party suppliers.

Property Tools mean features in the ANZ Plus App which allow customers to obtain Property Data or estimates related to an ANZ Plus Home Loan (like borrowing capacity or estimated repayments).

Regulatory Risk refers to a circumstance where we reasonably consider or suspect that providing an ANZ Plus Digital Channel, or providing a product or service via it to you, may cause us to break any law or regulation (or regulatory guidance), involve a Sanctioned Person, involve the proceeds of unlawful conduct or be inconsistent with or prohibited by our Policies.

Sanctioned Person is a person (natural, corporate or governmental) that is itself sanctioned or is connected to any person that is sanctioned under economic and trade sanctions imposed by the United Nations, the European Union or any country.

Third Party Products or Services means any products or services provided to you on or via a Partner Add-On.

Touch ID is a trademark of Apple Inc.

Visa Debit Card is a physical or digital card we issue you which is linked to an ANZ Plus account.

We / us / our is us! We're ANZ.

You is you! The person who downloaded the ANZ Plus App. It also means any authorised user of your ANZ Plus Digital Channel.