How we can use information about you

We can use information about you:

• To contact you
  
• For the reasons we tell you in this Privacy Statement or when we collect the information
• For other reasons you agree to.

When you use our products or services, we may create statistical information from your information, including through aggregation. Once the data is in that form, and doesn’t contain any personal information, we may use it for our own purposes, in our discretion.

We can use information about you:

• To decide if we give you a certain account, product or service
  
• To give you accounts, products or services, or manage or administer them
• To manage our relationship with you
• For administrative and operational tasks
• To advertise other accounts, products, or services we or third parties offer – we may advertise online, such as on our websites, or third-party websites and applications including social media.

If you are a parent or guardian, you agree we can use your address to verify your child’s address.

We can use information about you:

• To work with reputable organisations in New Zealand or overseas that offer loyalty programmes or other services, or that offer accounts, products and services related to ours. 
• To analyse data, including to:
  • Use or develop analytic tools – for example, to understand, tailor and improve our products and services and systems development, or your experience on our Digital Platforms, or to identify products and services that may interest you
  • Do market and customer research and analysis and generate insights, such as insights on our services, or insights about customer spending, behaviour, 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 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 analysis. Any personal information is converted to aggregated and anonymous information. We can share insights and analysis with our customers and other organisations.

We can use information about you:

• To monitor, manage and keep our Digital Platforms secure – learn how we collect information in the section called How we use information about you on our Digital Platforms and the Cookies and Analytics Notice
• To look into any concerns or complaints or manage any legal action
• To identify, prevent, look into, or respond to actual or suspected: 
  • Financial crime including fraud, suspicious transactions or money laundering
  • Other crimes or unlawful activity
  • Misconduct or threats to our systems.

To do so, we may monitor traffic and information to and from our Digital Platforms and other technology systems.

We can use information about you:

• To comply with laws, regulations, codes of practice and external payment systems
• 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
• To identify, prevent, look into or respond to financial crime including fraud, suspicious transactions, money laundering or other crimes.

For any of the reasons above, we can also compare and combine information we have about you with:

• Publicly available information about you
• Information held by reputable organisations we have a continuing relationship with, including document issuers or official recordholders when we verify your identity electronically.