Privacy Consent and Notification

We cannot provide products and services to you unless you provide us with personal information about you and consent to our use of that personal information.

Personal information includes any information from which your identity is apparent.

We may collect, disclose, hold and use personal information about you for the purposes of:

• identifying you and establishing your tax status under Australian or foreign law or regulations, or pursuant to a treaty or agreement between Australia and another country;
• arranging and providing you with products and services that you have requested from us;
• managing products and services that you have requested from us and our relationship with you generally (including direct marketing of our products and services); and
• our internal management including accounting, administration, compliance and risk management.

Until you tell us otherwise we may also use your personal information to inform you of products and services provided by us or by our alliance partners, which we think may interest you. You can tell us not to at any branch or by phoning 13 19 87.

We may collect and disclose personal information about you with any:

• credit reporting body where you are applying for a debit card, your account becomes overdrawn or for pre-screening credit offers;
• court, tribunal, industry body or other entity in connection with any claim, complaint or dispute relating to the approval, rejection or management of your account or service;
• entity that is a related entity of ours for the purpose of allowing it to tell you about products and services offered by it that may be of interest to you;
• external contractor or service provider of ours (including an accountant, auditor, lawyer, mercantile agent, printer, mail-out provider or valuer); 
• accountant, financial planner, lawyer or other adviser who is acting for you;
• person to whom we provide or propose to provide any credit, if you propose to guarantee or have guaranteed the repayment to us of that credit, and to any other guarantor or prospective guarantor of that credit;
• entity that provides verification including on-line verification of your identity or with any relevant government agency via the Document Verification Service (details of which can be found at www.dvs.gov.au), including for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
• insurer that has provided, or proposes to provide, insurance cover of any kind, for our benefit or for your benefit, in connection with a product or service that you have requested from us or have with us (including loan protection insurance or property insurance); or
• law enforcement agencies and government or regulator y authorities (including the Australian Taxation Office), which may in some instances be authorised or required by law to share your personal information with foreign government or regulatory authorities, but only where we are required or authorised by law to disclose your personal information. We also collect personal information to comply with Australian laws such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and other anti-money laundering legislation, the National Consumer Credit Protection Act 2009 (Cth), the Personal Property Securities Act 2009 (Cth), the Banking Act 1959 (Cth), the Taxation Administration Act 1953 (Cth), the Income Tax Assessment Act 1936 and 1997 (Cth) and other taxation laws and regulations.

Identity verification using a credit reporting body

We may verify your identity using personal information about you held by a credit reporting body. To do this, we may disclose personal information about you including your name, date of birth and address to the credit reporting body to obtain an assessment of whether that personal information matches information held by the credit reporting body. The credit reporting body may give us a report on that assessment and to do so may use personal information about you and other individuals in their records. Alternative means of verifying your identity are available on request. If we are unable to verify your identity using information held by a credit reporting body, we will provide you with a notice to this effect and give you the opportunity to contact the credit reporting body to update personal information about you that it holds or to verify your identity using an alternative method that is acceptable to us.

Disclosure outside Australia

By consenting to the use and disclosure of your personal information as stated in this Privacy Consent and Notification and our Privacy Policy, you consent to the use and disclosure of your personal information to entities located outside Australia. You also acknowledge that by consenting to us disclosing your personal information to overseas recipients, Australian Privacy Principle (APP) 8.1 will not apply to the disclosure (which means we will not be obliged under the Privacy Act to take reasonable steps to ensure that an overseas recipient does not breach the APPs) and we may not be liable under the Privacy Act if the recipient does not act consistently with the APPs.

We may send personal information about you to organisations outside Australia:

• to provide a product or service that you have requested;
• when we use service providers that are located outside Australia and/or do not carry on business in Australia; and/or
• to meet our obligations under Australian law or the law of another country.

Please see our Privacy Policy for more information including the locations outside Australia to which we may send personal information about you.

If we have issued you with a VISA card, it will be subject to the VISA Account Updater service. The service enables the electronic exchange of updated account information among participating merchants, their financial institutions and VISA card issuers (including us). We send an electronic file with updated account information to VISA whenever your account information changes (for example, a new card number or expiry date). A merchant that holds your VISA account information on file and with whom you have an ongoing payment relationship can request your up-to-date VISA account information from VISA, which responds using the information that it has received from us. The merchant will not receive updated account information if you have informed us that your card has been lost or stolen. Please ask us before you apply for a VISA card if you have concerns about what the service may mean for you.

Access, Privacy Policy and complaints

You can gain access to the personal information including credit-related information about you that we hold by contacting us. Our Privacy Policy explains how you can gain access to, or ask us to correct, personal information including credit-related information about you that we hold and how you may complain about a failure by us to comply with the Privacy Act 1988 (Cth), including the Privacy (Credit Reporting) Code 2014.

A copy of our Privacy Policy and information about how to contact us are available at https://www.newcastlepermanent.com.au/privacy-policy