Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
We've redesigned our
Institutional & Corporate website
To access your digital banking platforms, visit ANZ Digital Services.
Information on Markets, International services and FX, Transaction services and Financing can now be found under Solutions.
In this digital day and age, it’s important to understand how your information is handled. Our Privacy Policy details the kind of information we collect, why we need it and how we use it.
Most of the information we collect is provided by you directly – like your name, email, date of birth and phone number. However, there will be times when we need to request information about you from a third party, like a credit report from a credit reporting body. This helps us make an informed decision about your application.
We use your information so we can provide and support you with your product or service. But we also use it for other reasons. Like helping with the administration of your account, and for operational and legal purposes. Or, to tell you about other products or services you might be interested in.
At times, we need to share your information with third parties. For example, we often use other organisations to help provide you with your product. When this happens, we may need to share your information with them.
We take protecting your information very seriously. That’s why we have a range of security measures in place to help manage and safeguard your information. If at any time, you want to access or correct your personal information, or if you have any concerns, you'll find our contact details below.
To find out more, please read our Privacy Policy and watch our short video.
You can download the policy as a PDF (1.5MB), or you can read it below.
Protecting your privacy is crucial to the way we do business. That’s why, we’ve simplified our Privacy Policy to better explain how we do our utmost to protect your personal information.
Please take the time to read this document (also available here for download - Privacy Policy (PDF 1.5MB). It describes how we carefully manage and safeguard your personal information (including sensitive information), particularly information we collect to provide a product or service to you.
ANZ is bound by the Privacy Act and the 13 Australian Privacy Principles (APPs). This legislation regulates how we manage and protect our customers’ personal information. It’s our job to keep you up-to-date about how we’re doing just that.
So we can provide you with a product or service, we need to collect some of your personal information. And on some occasions, the law requires us to collect it. "Personal information" is information or an opinion about you, or information that can be used to identify who you are.
The majority of your personal information is collected from you directly. Depending on the type of product or service, we collect information such as your name and:
As your financial services provider, we also have access to information about your account and transactions. This means we can see how and where you use your ANZ account(s). Sometimes we use this information to form a view on other products and services that may benefit you.
In some instances, we may collect information about you that’s publicly available, such as data from telephone directories or other websites.
There may be occasions when we gather personal information about you from a third party, including:
To help us better tailor our service to you, we may also collect information about how you use anz.com, other websites and our apps. For example, when you click on a link from an ANZ website or visit a website that displays an ANZ ad.
Usually, the information we collect in this way does not identify you – it’s data about the number of visitors to a site, or statistics about how a site is browsed.
If we do identify you with this information (for example, if you’ve logged on to an online ANZ service like Internet Banking), any use or disclosure of that information will be in accordance with this Privacy Policy.
On rare occasions, we may need to collect information of a more sensitive nature. The following is considered "sensitive information":
Rest assured, we won’t collect, use or disclose your sensitive data unless we need this information for one of our functions or activities – and we have your consent, or we’re required to by law. For example, when you’re applying for relief from making repayments on a loan for health reasons.
This occurs when we’re required by an Australian law or court or tribunal order, such as:
We need to use (and at times disclose) your information in order to provide you with a product or service. Other reasons we need to do so include:
If you’d prefer to opt out of receiving ANZ marketing, call 13 13 14 or email yourfeedback@anz.com
Sometimes we need to share your information with overseas organisations. The most common reason is because some of our ANZ companies are located overseas and are contracted to support our technology, operational and customer service teams.
These entities are located in the following countries:
We may also need to share your information with other overseas service providers. This can be a result of the following:
On occasion, we may also need to share your information with our overseas branches and related companies. For example, if you open an account with ANZ Singapore, ANZ in Australia may need to provide information it holds about you to our Singapore office.
When you request some services, we may need to send your information offshore. For example, if you transfer funds to an overseas account using a telegraphic transfer, we have to share your data with one or more international banks to complete the payment.
ANZ participates in credit reporting. This means if you apply for credit from ANZ, we may request a credit report about you from a credit reporting body. Credit reports contain information that can help us assess your application, including your credit history with other providers.
These are companies that hold credit information about individuals and provide it to credit providers in certain circumstances, including when:
When we request a credit report, we need to give the credit reporting body:
When you receive credit from ANZ, we need to share more information with a credit reporting body, on an ongoing basis. This ensures it can be included in your credit report and shared with other credit providers, upon request. It’s information we’ve collected through your use of your ANZ product and includes:
Also, we need to report information to a credit reporting body when you:
But we also let them know when you:
Equifax
Call: 13 83 32
Mail: Equifax Australia Information Services and Solutions Pty Limited
PO Box 964
North Sydney
NSW 2059
Email: customerserviceAU@equifax.com
Web: mycreditfile.com.au
illion
Call: 1300 734 806
Mail: illion Australia Pty Ltd
PO Box 7405 St. Kilda Rd
Melbourne
VIC 3004
Email: pac.austral@illion.com.au
Web: checkyourcredit.com.au
Experian
Call: 1300 784 134
Mail: Experian Australia Credit Services Pty Ltd
PO Box 1969
North Sydney
NSW 2060
Email: creditreport@au.experian.com
Web: experian.com.au
If you’d like to know how these credit reporting bodies manage your personal information, you can contact them directly and request a copy of their Privacy Policy.
We can use this information to:
Often, we’ll combine the information obtained from a credit reporting body with the data we already hold about you, like:
We can then use the combined information to create a ‘credit score’ or rating, which we use to decide whether you can afford the credit you’re applying for.
Special rules apply to how we share information we get from a credit reporting body. Generally we can only share this information with:
If you think you’ve been, or are likely to be, a victim of fraud – for example, because you suspect someone else is applying for credit in your name – you’ve got a right to request credit reporting bodies don’t use or disclose credit reports held about you.
To do this, contact the credit reporting body directly. After making such a request, the credit reporting body won’t share your credit report information for 21 days. (Please note you can request an extension to this period.)
You can access your credit information, seek a correction and make a complaint about how we manage this information.
If we disclose information we’ve collected through the credit reporting bodies to our operation hubs overseas, this will be managed as outlined in this Credit Reporting section.
We have measures in place to protect your personal information from:
And here’s how we safeguard your data:
If you want to access your personal data, contact our Contact Centre on 13 13 14 or email yourfeedback@anz.com
The team can usually deal with such a request within 14 to 30 days. If for any reason we can’t provide you with access, we’ll tell you why and attempt to find other ways to help you get access to this information.
If you believe your personal information is inaccurate, incomplete or out-of-date, call 13 13 14 or email yourfeedback@anz.com, and we’ll update it promptly.
If you’d like us to correct information we’ve received or disclosed through the credit reporting system, we’ll consult with the relevant organisations directly.
If we don’t agree that your information needs to be corrected, we’ll tell you why – and what you can do if you’re unsatisfied with our response.
If you believe your privacy has been compromised or we’ve breached the Privacy Act or a code of conduct, you’re entitled to complain. All you need to do is:
If you’re not satisfied with the resolution of your complaint, contact the ANZ Customer Advocate. It offers an independent and impartial approach to customer complaints:
We’ll do our utmost to:
If your complaint isn’t satisfactorily resolved, you may access an external dispute resolution service or apply to the Office of the Australian Information Commissioner (OAIC). We’ll explain this all clearly to you in writing, if applicable.
This policy applies to Australia and New Zealand Banking Group Limited and each of its wholly-owned Australian subsidiaries (ANZ). The document covers the activities of the Australian bank and any other Australian-based businesses (except Looking Together (trading as ‘RealAs’), which is governed by its own policy).
The information about credit reporting also applies to the following offshore related entities that conduct operational, technology and customer service functions on behalf of Australian-based ANZ businesses, including:
- ANZ Support Services India Private Limited (India)
- ANZ Operations and Technology Private Limited (India)
- ANZ Global Services and Operations (Manila), Inc. (The Philippines)
- ANZ Pacific Operations Limited (Fiji)
- ANZ Global Services and Operations (Chengdu) Company Limited (China)
Also, as we’re participants in credit reporting, we’re also bound by the rules in the Privacy Act that applies to that activity.
See how privacy and security can work together to protect your virtual valuables.