What information can be disclosed?
The Privacy Act allows us and other applicable persons to disclose personal information about you when related to the primary purpose for which it was collected.
This personal information may include your:
- title/rank, name, sex, date of birth, driver's licence number
- postal/residential address, contact details
- employer and occupation
- financial details, bank account details
- tax file number (TFN)
We may also need to collect personal information from you that is sensitive. This includes information about your health and wellbeing. Your sensitive information will only be disclosed where relevant to the purposes for which it was collected.
How we use your information.
When you apply for a product or service, we collect personal information about you. We use this information to assess your application, provide, and administer products and services, and manage our business.
When you visit our website, we collect information about you. The type of information we collect and how we use it is described in the section headed “Website”.
This includes:
- for our register of members under the Corporations Act;
- to verify your identity under the AML/CTF Act; and
- to assess your capacity to pay a loan under the National Consumer Credit Protection Act.
We may collect, use, and disclose personal information to help prevent, detect, disrupt, and respond to fraud and scams, to report scam activity, and to handle fraud and scam related complaints.
This may include information about your account, transactions, devices used to access our services, payment instructions, and payment recipients, where this is permitted by law and reasonably necessary.
We may also use personal information to tell you about products and services that may be of interest to you. You can tell us at any time if you no longer wish to receive marketing communications.
If you are unable to provide us with the personal information requested, then we may be unable to:
- provide you with the product or service applied for;
- manage or administer your product or service;
- provide you with the interactive facilities on our website;
- provide you with full functionality on our website;
- verify your identity or help prevent, detect, or respond to fraud or scams;
- investigate, interrupt or respond to suspected scam activity, including assisting with recovery or handling scam related complaints; and
- tell you about other products or services that may be of interest or benefit to you.
Who can give or obtain information?
For the purposes of providing a product or service to you, providing you with access to and use of our website, managing our business and where required or allowed under applicable laws, we may give information to or obtain information from:
- external service providers to us, such as organisations which we use to verify your identity, payment systems, and credit reporting bodies;
- operators, mailing houses and research consultants;
- insurers and re-insurers, where insurance is provided in connection with our services to you;
- superannuation funds, where superannuation services are provided to you;
- retirement savings account services providers, where retirement savings account services are provided to you;
- internet service providers;
- third parties where you access the website of that third party via a link on our website;
- our professional advisors, such as accountants, lawyers, and auditors;
- your employer/s and representative, for example, lawyer, financial advisor, or attorney, as authorised by you;
- government and regulatory authorities, if required or allowed by law, such as to the Office of the Australian Information Commissioner, the Australian Taxation Office and the National Housing and Finance Investment Corporation; and
- For fraud and scam prevention, response, reporting and complaint‑handling purposes, this may include disclosing relevant personal information to other banks or regulated entities, government or regulatory authorities, dispute resolution bodies (such as the Australian Financial Complaints Authority), scam prevention and support services, and law enforcement agencies, where permitted or required by law.
Other privacy notices and permissions.
When you apply for a specific product or service, there may be other privacy considerations, conditions and permissions which apply to that product or service. Examples include where you apply for a loan or for a deposit product. In those circumstances, both this Website Privacy Notice and the privacy notice or permission specific to the relevant product or service applies and co-exists, but where there is conflict between them, the privacy notice or permission specific to the product or service prevails.
Website.
This section explains how we handle personal information and credit information collected from our website. If you have any questions or concerns about transmitting your personal information via the internet, you may contact our Privacy Officer, whose details are set out below as there may be other ways for you to provide us with your personal information.
Anytime you access an unsecured part of our website, that is, a public page that does not require you to log on, we will collect:
- the time and date of the visit
- any information or documentation that you download
- your browser type
- internet protocol details of the device used to access the site
Our website also includes a number of calculators, which may require you to enter your personal details. If you save the data you enter on the calculator, this information will be stored.
A "cookie" is a small text file which is placed on your internet browser and which we may access each time you visit our website. When you visit the secured pages of our website (i.e. pages that you have to provide login details to access) we use cookies for security and personalisation purposes. When you visit the unsecured pages of our website (i.e. public pages that you can access without providing login details), we use cookies to obtain information about how our website is being used.
You may change the settings on your browser to reject cookies; however, doing so might prevent you from accessing the secured pages of our website.
When we receive emails, we will retain the content of the email and our response to you where we consider it necessary to do so.
Your email address will only be used or disclosed for the purpose for which it was provided. It will not be added to any mailing lists or used for any other purpose without your consent.
Our website may contain links to third-party websites. The terms of this Website Privacy Notice do not apply to external websites. If you wish to find out how any third parties handle your personal information or credit information, you will need to obtain a copy of their privacy policy.
We use up-to-date security measures on our website to protect your personal information and your credit information. Any data containing personal, credit, or related information which we transmit via the internet is encrypted. However, we cannot guarantee that any information transmitted via the internet by us, or yourself, is entirely secure. You use our website at your own risk.
Security, Privacy Policy, and overseas disclosures.
We take reasonable steps to ensure that your personal information held by us (on our website or elsewhere), is protected from misuse, interference, and loss, and from unauthorised access, disclosure, or modification.
Our Privacy Policy provides additional information about how we handle your personal information, including credit-related personal information. It sets out how you can ask for access to personal information we hold about you and seek . It also explains how you can raise a concern or complaint and how we will deal with your complaint.
We currently do not disclose your personal information overseas. However, if we were to disclose this information outside Australia in the future, we would do so on the basis that the information will be used only for the primary purpose for which it was collected.
Marketing.
We may use your personal information, including your contact details, to provide you with information about products and services, including those of third parties, which we consider may be of interest to you. We are permitted to do this while you are our customer, and even if you are on the Do Not Call Register.
We may also provide your details to other organisations for specific marketing purposes.
We will consider that you consent to this unless you opt out. You may opt out at any time if you no longer wish to receive marketing information or do not wish to receive marketing information through a particular channel, like email. In order to do so, you will need to request that we no longer send marketing materials to you or disclose your information to other organisations for marketing purposes.
You can make this request by contacting Defence Bank, or by 'unsubscribing' from our email marketing messages, which always include an unsubscribe option.
From 12 March 2014, the credit reporting body cannot use information about your existing loans or repayment history in carrying out its pre-screening and it must destroy its pre-screening assessment once it has given us, or a contractor acting on our behalf, the list of eligible recipients; and if you do not want your used for pre-screening by a credit reporting body that holds credit information about you, you can opt-out by informing that credit reporting body.
The credit reporting body we use is Equifax Australia (website: https://www.equifax.com.au/).
Contact us.
Our Privacy Officer’s contact details are:
Address: PO BOX 14537
Melbourne VIC 8001
Telephone: 1800 033 139
Email: info@defencebank.com.au (marked to the attention of the Privacy Officer)
Changes to the Privacy Notice and Privacy Policy.
We may make changes to this Privacy Notice and the linked Privacy Policy from time to time (without notice to you) that are necessary for our business requirements or the law. Our current Privacy Policy is available to download here.