How we can use your information
We can use your information in various ways, including:
- To operate our business
- To deliver our products and services
- To comply with the law
- For the reasons explained in this Privacy Statement
- For any other purposes we tell you about, or that you agree to, from time to time (including when we collect the relevant information).
We can use information about you as summarised below:
To contact you
We can use your information to contact you.
To provide products or services
We can use information about you:
- To decide if we provide products or services
- To provide products or services, or manage or administer them
- To review and manage our relationship with you, including when you are in financial difficulty
- For administrative and operational tasks, including assessing compliance with our policies, such as those relating to the provision or management of credit by us; and assessing and managing complaints
- To communicate about or advertise other products or services we or third parties offer – including by mail, phone, email, SMS/text message, Internet Banking, goMoney, or through other digital platforms (such as on our websites, third-party websites and apps including social media). For information on how to opt out, see You can choose not to receive marketing messages.
We can use your information to manage our operations and operate our business (including any changes to ownership of products or services).
To improve and assess products or services, analyse data and generate insights
We can use information about you to:
- Work with reputable organisations in New Zealand or overseas, including those that offer loyalty programmes or other services, or that offer accounts, products or services related to ours
- Analyse data. ‘Analysing data’ includes using or developing analytic tools, including tools our agents or service providers use. For example, we may analyse data to:
- Understand, tailor and improve our products and services, and systems development
- Understand, tailor and improve your experience on our digital platforms and ANZ content on third-party digital platforms
- Identify products or services that may interest you
- Help our agents or service providers improve their products and services to ensure they meet our service level agreements
- Do market and customer research and analysis and generate insights, such as insights on our services, advertising effectiveness, customer spending, behaviour, benchmarking or industry trends.
We can share your information with third parties, including members of the ANZ Group, to create insights and analytics. The information that we use to create insights and analytics can include your environmental or financial data, transaction information and demographics, such as your age bracket and general information about where you live. Sometimes we combine your information with information from other organisations to create insights and for analysis. We can share insights and analysis with our customers and other organisations.
We use cookies and other identifying information to deliver services.
If you use our digital platforms, see our Cookies and Analytics Notice.
For security, fraud and crime detection and prevention reasons or investigations
We can use information about you:
- To monitor, manage and keep our digital platforms secure
- To manage any legal action
- To identify, prevent, investigate, look into, or respond to any actual or suspected:
- Financial crime, including fraud, suspicious transactions, money laundering, or sanctions breaches
- Other crimes or unlawful activity
- Misconduct or threats to our systems
- Health and safety incidents.
To do the above, we may monitor traffic and information to and from our digital platforms and other technology systems.
For security reasons and investigations, including relating to inappropriate behaviour or to identify, prevent and investigate any actual or suspected fraud, we use IP addresses and your location if you enable the location information on your device, as well as other information. That information could be about your device and behavioural biometric information in goMoney, Internet Banking, or from our ANZ Transactive – Global website. We use your IP address and your location if you enable the location information on your device for security purposes, to improve our website, and for auditing and reporting.
We may give your IP address and other information to third parties in accordance with this Privacy Statement. For example, we may give such information if there is actual or suspected unauthorised access to goMoney or Internet Banking, your device or ours, or if there are fraudulent transactions.
For more information, see our Cookies and Analytics Notice.
We may monitor our properties. For more information, see our CCTV Notice.
To comply with the law
We can use information about you if we believe that may help us:
- To comply with laws, including overseas laws, regulations, codes of practice, global sanctions programs, and external payment systems, including to assess how to comply, and to monitor our compliance
- To identify you or establish your tax status, including as required by any law or tax treaty with a tax authority
- To prepare disclosures or statements relating to our business or operations, including to meet environmental, social and corporate governance standards or objectives and to respond to regulator queries
- To identify, prevent, investigate, look into, take any action about, or respond to, financial crime including fraud, suspicious transactions, misconduct, threats to our systems, money laundering or any other crimes or unlawful activity.
If you are a parent or guardian, you agree we can use your address to verify your child’s address. You may agree with us that we can use your address to verify the address of another individual in other circumstances, such as where someone is informally residing at your address.
To investigate your credit history and use your information for credit reporting
For information, see Credit history and credit reporting.
We can also compare and combine information we have about you (including in the ways set out on this page) with:
- Publicly available information
- Information held by reputable organisations we have a continuing relationship with, including document issuers or official record holders when we verify your address electronically.
When you use our products or services, we may create statistical information from your information, including through aggregation. Once the data is in statistical form and doesn't contain any personal information, we may use it for our own purposes, in our discretion.
You can choose not to receive marketing messages
While you will receive marketing messages by default, you can opt out of commercial electronic messages (for example, email and SMS/text messages) captured by the Unsolicited Electronic Messages Act (UEMA) by calling our Contact Centre on 0800 269 296. You can also use the unsubscribe link in our marketing emails or reply 'STOP' to our SMS/text messages to no longer receive commercial electronic messages within these channels.
You can opt out of targeted advertising through third-party digital platforms (such as Facebook and Google ads) by updating your preferences within each platform.
We apply global exclusion criteria to some of our marketing messages (such as removing under-18s), so you may not receive our marketing even though you haven’t chosen to opt out.
Please note if you opt out of commercial electronic messages captured by the UEMA, we can still send you service messages (such as how to ensure you earn premium interest on your Serious Saver account).
Also in our Privacy Statement
Important information
This Privacy Statement describes how we collect, use, and share information (including personal information) about you when you:
- Get or use our products and services, including digital platforms
- Interact with us in other ways.
Our Cookies and Analytics Notice gives more detail on how we use cookies and analytic tools on digital platforms.
Our Closed Circuit Television Notice sets out how we collect, store, use and share personal information from ANZ CCTV.
When we refer to our Privacy Statement, we mean all pages in this section together. Our Privacy Statement does not limit the Privacy Act 2020, or any other applicable law. Find a glossary of terms in About our Privacy Statement.