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Disclosing your information overseas

ANZ may need to disclose your information, including information we receive through the credit reporting system, to organisations located overseas.

The most common reason for ANZ disclosing information overseas is because we use service providers to perform some functions on our behalf, and some of these service providers are located overseas. We only disclose your information to these organisations when it is necessary for the services they provide ANZ.

For the most part, these service providers are related entities of ANZ which perform a range of technology, operational and customer service functions for ANZ.

These entities are located in the following countries:

  • The Philippines
  • China
  • India
  • Fiji
  • New Zealand

ANZ may also use other offshore service providers to help provide you with our products and services or identify ways to improve our service to you.

If you apply for a home loan with ANZ, receive an A-Z Review of your banking needs, discuss ANZ's Simple Wealth products with our Branch Staff, or have a conversation with our Contact Centre staff or one of our ANZ Financial Planners, ANZ may send you an automated follow up request for your feedback on your experience(s). ANZ uses external service providers based in the USA, Canada and the UK to help us send you the automated request and to analyse responses. We will therefore need to send your information to these locations.

When we provide you with a home loan, and it is a loan which requires ANZ to take out Lenders’ Mortgage Insurance (LMI), ANZ will disclose your information to an administrator with data storage facilities in the United States.

In addition to service providers, ANZ may also disclose your information to our overseas related businesses for the purposes explained in our Privacy Policy. For example, we may disclose your information to our Singapore business if you open an account with ANZ in Singapore.

When we disclose your information to an organisation located overseas, we are required to take measures to ensure your information is treated in accordance with the standards that apply in Australia, except in rare cases (for example, where we are required by law to disclose your information overseas) or where we obtain your consent not to take these measures.

The above is not a complete list of the countries to which your information may be disclosed when using an ANZ product or service. In some circumstances, the nature of the product or service you request may require ANZ to disclose your information overseas and the countries to which we may disclose your information will depend on the particular circumstances. For example, if you request to transfer funds to an overseas account using a telegraphic transfer, ANZ will be required to disclose your information to one or more overseas banks that are involved in making the payment. The location of these banks depends on where you want to send your funds.

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