Collecting your information

This may include: 

• Contact details such as name, address, email address, telephone number 
• Identification data such as your date of birth, citizenship, birth, marriage and death certificates, tax numbers, or documents that confirm your identity or address, like a passport, driver’s licence or a utility bill  
• Credit history, employment details and other financial information 
• Biometric information, like photos or voice identification, or behavioural biometric information including how you use and interact with your device when using goMoney, Internet Banking or our ANZ Transactive – Global website. 

We collect information from your relationship with us, including when you interact with us. This may include: 

• Information you provide us on forms, applications, online, or via our digital platforms, such as your financial information, environmental data, income, assets, liabilities, and spending data 
• Information we collect when you visit our branches, use our ATMs, or call or write to us. This might include correspondence, call recordings, or videos 
• Information about your financial situation with us or other financial institutions, including your credit history and other financial details  
• Information about how you use our products and services, including how you use and interact with your device on our digital platforms
• Other information you may provide us about yourself from time to time, such as information about your:
  • Employment status  
  • Race or ethnicity or languages you speak  
  • Illness/injury, medical conditions and health 
  • Social relationships and lifestyle, gambling habits or addictions  
  • Significant life events  
  • Criminal history.

As your financial services provider, we have access to information about products and services, such as your accounts and transactions, including payments to and from your accounts. We can also see where, how and when you use your ANZ accounts or products, such as your cards. When you use an ANZ card, we get information such as where and when you’re completing the transaction, and whether the transaction is contactless.

We may also need to collect information about third parties connected with you, including those that: 

• Own you 
• Provide you with funding 
• Control you 
• Have authority to act or instruct us on your behalf. 

This may include your authorised signatories, directors, officers, employees, trustees, partners, or shareholders. They may also be parties who established a trust or are the beneficiaries of a trust. 

We can get the information directly from these people or, if they agree, we can ask you for it.

The law sometimes requires us to collect your information (including personal information). For example, under: 

• Anti-Money Laundering and Countering Financing of Terrorism Act 2009 – including to prove your identity 
• Tax legislation – including to confirm your tax residency status 
• Land Transfer Act 2017 – to verify your identity when you take out a mortgage 
• Credit Contracts and Consumer Finance Act 2003 – including to assess whether lending will be suitable and affordable. 

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. 

By using our digital platforms and third-party digital platforms with ANZ content, you agree we may collect information, including information about:

• You
• Your activity on our digital platforms, including how you use them or the features they contain 
• Your behavioural biometric information when using goMoney, Internet Banking or our ANZ Transactive – Global website, such as how you type, swipe or scroll  
• Your IP address
• Your device – for example:
  • Type and model of your device
  • Operating system
  • Browser information
  • Preferences
• Settings and status, like accessibility status, and may also include your call status (we’ll check if you’re on a call but can’t hear or make calls)
• Device network and/or connectivity information, including whether you are using Wi-Fi or a cellular connection
• Security and identifying information of your device
• On Android™— devices, the list of installed apps, and other devices connected via Bluetooth
• Your location if you enable the location permission on your device, or your inferred approximate location  
• The information gathered through cookies and other digital tracking tools, such as tags and pixels which may track what you view on our websites and apps, or third-party digital platforms that we advertise on. 

We may record details of your visit to our digital platforms. 

We may also record your interactions with ANZ content on third-party digital platforms.

If you read, browse or download information, we may record the: 

• Date and time you visit 
• Pages and parts of the pages you view 
• Information you download. 

If you log on to secure areas, we can combine your identifying information (unique identifiers) with details of your visit and your other information (including personal information). This may tell us what you are interested in.

For more information, see our Cookies and Analytics Notice. 

We may allow third-party companies to use cookies and other technology and collect information when you visit our digital platforms, or ANZ content on third-party digital platforms. For example, they may collect information about: 

• You, such as your contact details 
• What you clicked to access information 
• Your type of browser 
• The time and date of your visit 
• The types of advertisements you click on or scroll over 
• Your location 
• Your device identification. 

For more information, see our Cookies and Analytics Notice.

Sometimes we collect information about you that is publicly available. For example, this may include:  

• Information about you from online forums, and other websites and apps, including social media that you use, such as Facebook, and YouTube. We may do this for example, if we are investigating a complaint. 
• Information about you from public registers, such as Land Information New Zealand and the registers on the New Zealand Companies Office website. The information might include details of relationships you have with companies and other entities, for example.  

For example, when you: 

• Ask about, apply for, open, get or use any accounts, products or services 
• Visit any branch or Business and Agri Contact Centre, or talk to us face to face 
• Talk on the phone to us, or call our Contact Centre – we may also monitor or record your calls 
• Appear on our camera surveillance, like CCTV, which we use to monitor ANZ premises and assets including branches, ATMs and corporate sites (see our CCTV Notice)
• Write to us – for example, by letter, email, SMS or social media 
• Ask for changes to any of the accounts, or products and services you have with us 
• Transact using ANZ products or services, such as an ANZ card 
• Complete one of our forms – such as a customer registration, credit or survey form 
• Use our digital platforms or ANZ content on third-party digital platforms (for more information, see Types of information we collect and our Cookies and Analytics Notice)
• Take part in our promotions and competitions. 

Those interested in you, or your accounts may include: 

• Co-borrowers, your agents, authorised signatories, related parties, 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, or who are acting on your behalf, or are otherwise financially advising you. 

Those we work with may include: 

• Anyone in the ANZ Group 
• Service providers who help us carry out tasks – for example, marketing companies (such as mail houses and market research companies), cloud-service providers or data analysis companies 
• Third-party digital platforms – for example Facebook and Google 
• Supervisors and advisors of our schemes 
• Credit reporting agencies (for more information, see Credit history and 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 (such as credit card companies or payment providers)  
  • Anyone who offers loyalty programmes or services related to our accounts, products, or services. This can also include credit card schemes, card issuers, payment providers and other companies involved in the facilitation of payments  
  • Anyone who helps us manage our business 
  • Our insurance partners
• Banks or financial institutions:
  • If required, when you send money from your account or receive money into it, to confirm, investigate or verify the transaction, including when the money has gone into your account  
  • When any of the parties investigates fraud, suspicious transactions or unlawful activity
• An external dispute resolution agency like the Banking Ombudsman Scheme 
• 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.  

Others we may collect information from include: 

• Inland Revenue, the Financial Markets Authority and other applicable regulatory or government agencies 
• Central, regional and local government 
• 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 
• Anyone else we need to collect or exchange information from to comply with the laws in New Zealand or overseas 
• Any other organisations you have agreed we can collect information from.

We may investigate your credit history and use your information for credit reporting. 

We participate in credit reporting. This means if you apply for credit from us, we may ask a credit reporting agency for a credit report on you. Equally, we may tell them your credit information if we give you credit, you default on your payments, or you apply for financial assistance. 

For more information, see Credit history and credit reporting.

From time to time, we collect information about you from public sources, such as:  

• Public registers such as Land Information New Zealand or the Companies Office  
• News articles  
• Social media content. 

We can collect information about you from third-party digital platforms.  

You can find out more in our Cookies and Analytics Notice.