Website security and privacy

This website is operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain names www.anz.com and anz.com.au ("ANZ website"). The ANZ website is operated on behalf of ANZ and its related bodies corporate (together called the "ANZ Group").

Your access to and use of the website is governed by the ANZ Website terms of use and this security and privacy statement ("Statement").

This Statement may also apply to services offered by ANZ on websites or platforms hosted by third parties. If so, express reference to this Statement will be made on those websites.

This Statement explains some ways your personal information may be handled as you access and interact with the ANZ website. ANZ may also handle this personal information in accordance with any notices that ANZ presents to you or consents that you provide in relation to the handling of your personal information (for instance, within the terms and conditions governing any product you have taken out with ANZ or a notice set out in an online form). For information about how ANZ handles your personal information more generally, please refer to the ANZ Privacy Policy.

ANZ encourages you to review the Statement periodically as it may change from time to time.

ANZ takes reasonable steps to preserve the security of cookie and personal information in accordance with the ANZ website terms of use and this Statement. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. That’s why we have security measures in place to help manage and safeguard your information. However, 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.

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 other interaction you may have with the website or its content.

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 may capture any personal information that you may enter when using these tools. 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 (amongst other things) progress your incomplete application, including contacting you or any other person about whom you provide personal information.

If you decide to submit a survey, ANZ securely stores survey responses in accordance with its Privacy Policy, linking survey responses to details like name to support operational tasks, analytics, and service improvements. Data may be shared with approved market research companies solely for processing purposes.

ANZ uses advertising companies (e.g. Google and Facebook) to deliver online advertising where ANZ banner advertisements are placed on Third Party websites.

When you view an ANZ advertisement on a Third Party website, app or other digital platform, the advertising company uses cookies and in some cases ‘pixels’ to collect information such as:

• the server your computer is logged onto
• your browser type
• the date and time of your visit
• the performance of their marketing efforts

When you access the ANZ website after viewing an ANZ advertisement on a Third Party website, the advertising company may collect information on how you use the ANZ website (e.g. which pages you view) and whether you complete an online application.

In addition, ANZ also uses web analytics service providers to collect information on how you use the ANZ website, using cookies to collect information similar to that collected by the advertising company.

The advertising companies and ANZ use this information to perform statistical analyses of aggregate user behaviour.

ANZ uses these analyses to measure advertising effectiveness and relative consumer interest in the various areas of the ANZ website.

This information is also used to present content on ANZ.com and Third Party websites that ANZ believes may be relevant to you.

For more information, please see Direct marketing | ANZ

ANZ uses Liveperson Inc. to deliver its live chat facility (LiveChat). 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 LiveChat, ANZ (via Liveperson Inc) may collect any personal information provided or otherwise made accessible via LiveChat.

ANZ may use/disclose this information to respond to your query, for administrative and operational purposes (including to help improve our quality of service and for staff training and coaching) and for any other purpose which is required or authorised by law.

Depending on your inquiry, if you do not provide your personal information, ANZ may not be able to assist you with your request.

ANZ may disclose this information to other parts of ANZ and ANZ’s related entities; ANZ’s agents, contractors and/or service providers; regulatory bodies, government agencies, law enforcement bodies and courts and other parties we are authorised or required by law or court/tribunal order to disclose information to (some of which may be based overseas).

We won’t ask you for sensitive information, account numbers or passwords, and for your security, please don’t provide this information.

ANZ’s Privacy Policy contains information about any laws that require or authorise ANZ to collect certain information from you, further details on when ANZ may collect your information from other sources (including from a third party), details about the location of offshore recipients, how to access the personal information ANZ holds about you, how you can seek to correct it, how you can raise concerns if you believe that ANZ has breached the Privacy Act or an applicable Code, and how ANZ will deal with these matters.

Before you provide us with personal information about someone else, we require that you show them a copy of this notice so that they can understand how ANZ intends to handle their personal information.

General online security

ANZ uses trusted service providers to help us protect your online security when using platforms such as ANZ Internet Banking and ANZ Transactive Global. Service providers may collect and analyse information from your browser session to detect security threats or vulnerabilities that may be on or associated with your computer or device. The information collected may include IP address, a unique session identifier, web-browser type and version, HTTP headers and malicious software data. Some of the service providers may be located outside of Australia. For further details refer to the ANZ Privacy Policy.

Behavioural biometrics

We work with security experts to help keep you and the community safe from scams and other risks.

We gather information about how you use Internet Banking, including things like typing speed and how you browse and scroll. We use this, plus other info like details about your device and transactions, to spot if someone else might be using your account. It also helps us detect possible scams, fraud, and risky transactions to help us protect you and others.

Our security experts may also share alerts with other institutions about high risk accounts or devices so they can take action if needed.

We also use behavioural biometrics on some of our online applications. We will collect and handle your info in the same way except we will primarily use it to help identify if it is a genuine user making the application.

For more information, visit Online security.

Users to take their own precautions

Security tools used by 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.

Your IP address is the identifier for your computer or device when you are using the internet with regards to geo-locations, network domains and servers.

ANZ may collect or use your IP address when you interact with various parts of the ANZ website and other digital solutions (e.g. Internet Banking and ANZ Transactive Global).

We collect and store your IP address for purposes including security and audit and as described under the heading Information collected by online security service below. For instance, ANZ collects and stores your IP address when you log onto an Electronic Banking Channel. ANZ uses this information when we attempt to detect and prevent fraudulent transactions in its Electronic Banking Channels.

We will only use or disclose personal information or information generated by cookies in accordance with our contract with you, the ANZ Privacy Policy (PDF), any specific and additional provisions relating to privacy which apply to certain areas of the ANZ website and as otherwise set out in this security and privacy statement.

We may preserve the content of any electronic messages (e.g. email or live chat messages) that you send us. ANZ may use and disclose these messages for reasons including analytics, security issues and quality assurance.

You agree and accept that your use of the ANZ website indicates your acceptance of the ANZ website terms of use and the Statement.

This is the current Statement. It replaces any other Statement for the ANZ website published on the ANZ website to date. ANZ may at any time vary the Statement by publishing the varied Statement on the ANZ website. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.