Who we can collect information about you from, and who we can give it to

You allow us to both provide your information to third parties, and collect your information from third parties. This will let us do what we have described in the section called How we can use information about you.

If we give information about you to someone for any of the reasons described in that section, when it is appropriate (given the reasons for disclosure) we’ll require them to keep it confidential and secure. They may use it only for the purpose that we give it to them or as permitted by law.

These are the people and organisations you allow us to get information from, or give information about you to. They may be in New Zealand or overseas.

We can get information from, or give information about you to:

• You, co-borrowers, your agents, authorised signatories, or customers you are an authorised signatory for
  
• Your parents or guardians – if you’re under 18 years old
• Guarantors of any money you owe us
• Brokers, custodians, solicitors and other parties who introduced you to ANZ, are acting on your behalf, or are otherwise financially advising you.

We can get information from, or give information about you to:

• Anyone in the ANZ Group
  
• Service providers who help us carry out what we describe in the section called How we can use information about you – for example, mail houses, market research companies, cloud-service providers or data analysis companies
• Marketing companies
• Supervisors and advisors of our schemes
• Credit reporting agencies (see section called We may investigate your credit history and use your information for credit reporting)
• Debt recovery agencies
• Any reputable companies or organisations we have a continuing relationship with – including those we jointly offer products and services with, or anyone who offers loyalty programmes or services related to our accounts, products, or services
• Banks or financial institutions:
  • If required when you send money from your account or receive money into it, to confirm or investigate the transaction, and for verification and investigation into such transactions, including when it has gone into your account
  • When either of us are investigating fraud, suspicious transactions or unlawful activity
• Inland Revenue, the Financial Markets Authority, other applicable regulatory or government agencies, and central, regional and local government
• Anyone who helps us or who we work with to identify, prevent or investigate fraud, suspicious transactions, unlawful activity, misconduct or threats to our systems
• Any person or entity assisting us to investigate any concerns or complaints or manage any legal action
• Any other person or organisation as allowed by applicable law, including the Privacy Act 2020.

From time to time, we collect information about you from public sources.

We may also need to know information about third parties which:

• Owns you
• Controls you
• Have authority to act or instruct us on your behalf.

For example, these third parties may be your authorised signatories, directors, officers, employees, trustees, partners, shareholders, those who established a trust or the beneficiaries of a trust.

We can ask these people for the information directly or, if they allow you to provide it, ask you for the information.

We must comply with laws in New Zealand and overseas. You agree we can give information about you to the police, other financial institutions or government agencies in New Zealand or overseas:

• To comply with the law
  
• To help us decide how to comply with the law
• If we believe the information will help prevent, investigate or take action in respect of actual or suspected financial crime including fraud, suspicious transactions, money laundering, or other crimes.

You agree to give us any information we ask for if we believe we need it to comply with the law in New Zealand or overseas.

We may not be allowed to tell you if we give out information about you. We’re not responsible to you or anyone else if we give information about you for these reasons.