Privacy policy.

You can either download a copy of our Privacy Policy or read it below.

Collection: We collect the personal information you provide to us either from you directly or from your computer, mobile or other device. We may also collect your personal information from a range of third parties. If you choose not to provide the personal information we request, then we may not be able to offer all our services to you.

Use and disclosure: We use your personal information for a range of purposes including to enable us to:

• Recommend, determine eligibility for, and provide our products and services
• Design and deliver our products and services
• Protect your and our interests
• Comply with applicable laws and regulations
• Ensure security and prevent fraud/criminal activity.

We may also share your personal information with other members of the Westpac Group, credit reporting, governmental and law enforcement agencies and third parties as set out in this Privacy Policy.

Storage: If we collect personal information about you, we’ll store it in secure data storage facilities usually located in New Zealand, Australia or other overseas jurisdiction(s) that are owned either by the Westpac Group or its external service providers.

Cookies: We use cookies, web beacons and other types of digital tracking on our websites and other digital services to improve those services and enhance your digital experience.

Access and complaints: You have the right to request a copy of the personal information we hold about you and to request this to be updated if incorrect.

If you have any questions or concerns, please get in touch.

For the purposes set out below at 2.1-2.4, Westpac and any member of the Westpac Group may use and share your personal information with a range of organisations (or individuals) including:

• other members of the Westpac Group (including their agents and anyone who provides services to them, subject to appropriate confidentiality obligations);
• your representatives and anyone you make a payment to;
• authorities such as regulators, government agencies, courts or the police;
• other financial services organisations;
• fraud bureaus, credit reporting and debt recovery agencies;
• external dispute resolution schemes;
• brokers, referrers, distributors and financial advisers;
• anyone in connection with a reorganisation, sale or acquisition of any Westpac Group member’s business;
• payments systems operators;
• organisations that support us to investigate, identify or prevent fraud or misconduct;
• industry groups that we’re members of, including those that we work with to identify, detect, prevent, investigate and respond to fraud, scams, and other criminal activity (and to enable other members of those organisations to do the same) such as the Financial Crime Prevention Network and the Anti-Scam Centre and/or their service providers;
• third parties bound by confidentiality obligations such as service providers, suppliers, business partners and certain subcontractors;
• organisations, other financial institutions, professional advisers or individuals (for example family members) to provide extra support or specialist assistance to you where we reasonably believe it is appropriate; and
• anyone else you authorise us to.

2.1 Provide our products and services and administer our relationship with you, including to:

• assess whether to give you a particular product or service, including by confirming your identity, residence, employment and financial status and to make all necessary enquiries about any information you have given us in relation to any product or service that we are providing;
• provide our products and services to you, including communicating with you throughout the life of your relationship with Westpac about any changes to our product and services or to act in accordance with your instructions;
• provide customer support, including contacting you to offer assistance with digital applications (including those you do not complete);
• update your records with us;
• improve, optimise and personalise your experience of our services;
• prevent, detect and investigate suspicious, fraudulent, criminal or other activity that may cause you, us, any of our business partners, or others harm, including in relation to our products and services;
• manage our relationship with brokers, referrers, distributors or financial advisers, including paying commission;
• provide specialist assistance or extra support to you which we reasonably believe is appropriate; 
• if you’re a joint account holder, enable any member of the Westpac Group to share your personal information relating to your joint account with the other joint account holder(s); and
• respond to and/or resolve any queries, complaints and/or other matters you’ve raised with us and/or any third party.

2.2 Comply with laws and regulations, including to:

• enable any member of the Westpac Group to comply with any New Zealand or overseas laws, rules or regulations, including any that are reasonably expected to be implemented (including to enable the government of New Zealand to comply with any agreement between it and the government of another country); and
• share personal information with the police, government agencies in New Zealand or overseas or other financial institutions, where any member of the Westpac Group reasonably believes that the disclosure will assist it to comply with any New Zealand or overseas laws, rules or regulations or will assist in the investigation, detection and/or prevention of fraud, money laundering or other criminal offences.

Where Westpac receives a request for information from the police or any government agency, it may confirm whether a specified person is or was a customer. We won’t provide any other customer information except with a production order, with the customer’s consent, where necessary to prevent or lessen a serious threat to health or safety, to assist with a court case, or as required by law.

2.3 Understand your credit position, including to:

• enable any member of the Westpac Group to conduct credit checks when you apply for, open and operate accounts and loans. That may involve giving your personal information to credit reporting agencies, which collect information about your credit history and compile reports about your suitability as a borrower. Those reports can be used to confirm your identity, verify your current credit obligations and help assess your ability to meet repayment obligations;
• enable credit reporting agencies to update their credit reporting databases and provide updates to members of the Westpac Group and their other customers on your credit record and other information about you that could impact your ongoing relationship (including without limitation, updates notifying that other people have made enquiry of the credit reporting agency about you); and
• to collect any money owed by you or return any money owed to you.

2.4 Research and market products and services, including to:

• conduct market research and analysis about our brand, offers, Westpac Group products or services either ourselves or using service providers, both while you are a customer and for a reasonable time afterwards;
• unless you ask us not to and/or opt-out of relevant third-party privacy settings (as applicable):
  - present you with offers, advertisements and/or products or services; and
  - provide you with targeted advertising on third party websites and/or applications, by sharing limited anonymised personal information about you, such as, mobile numbers and/or email addresses, with our advertising partners to enable them to create a unique, anonymised identifier from that personal information for these advertising purposes. We may also share such information to provide you with and to measure and improve relevant third-party advertising on our sites and applications.

• enter you into promotions and/or prize draws, including by sharing limited personal information about you, with selected third parties including our retail payment network provider (for example, Mastercard), for any applicable promotions or prize draws conducted by us or them, unless you ask us or them not to and/or opt-out of relevant third-party privacy settings (as applicable);
• unless you ask us not to, make available and send you information about the full range of offers, products and services offered by any member of the Westpac Group, including to:
  – enable us and selected third parties to present you with offers, promotions, prize draws, advertisements and/or products or services that we believe may be of interest. When we provide you with relevant targeted advertising on third-party websites and/or applications, we may share limited personal information about you, such as anonymised identifiers e.g. mobile numbers and/or email addresses, with third parties. We may also share such information to provide you with and to measure and improve relevant third-party advertising on our sites and applications; and
  – provide you with information about events, appeals and organisations sponsored by any member of the Westpac Group.

We may contact you by various means, including mail, telephone, email, SMS/text message, digital banking and/or other electronic means, such as through social media, applications or targeted advertising through our websites or non-Westpac Group websites.  

You have some choices when it comes to these activities. You can ask us not to use your personal information for marketing purposes, unsubscribe from electronic messages received from us and/or opt out of receiving targeted advertising from our third party advertising partners by visiting http://westpac.co.nz/about-us/your-cookie-settings/

In addition to the reasons set out above, Westpac Group members may also share your personal information with third parties (subject to appropriate confidentiality obligations) where you have consented to that information being shared or the reason for doing so is connected to the purpose of collecting the personal information.

We use cookies, web beacons and other types of digital tracking on the Digital Services. A cookie is a small piece of data sent by a website to the browser on your device to help us collect and store information about your use of the Digital Services. That will include your personal information if you log in to our digital banking services. Some cookies are installed only temporarily while others may remain for a period of time, covering multiple sessions.

Westpac and our service providers may use cookies and other types of digital tracking on the Digital Services for various purposes, including:

• Security: to verify digital banking customers and carry out other essential security checks that enable us to offer you a secure and reliable digital banking service;
• Efficiency: to enable us to operate our Digital Services efficiently and with a high level of functionality;
• Measurement and analysis: to measure website traffic and usage patterns on the Digital Services and to collect information about your interactions with those services and Westpac content on third-party websites. That information is then used to analyse and improve our services, analyse user behaviour and measure the effectiveness of our marketing initiatives and services;
• Advertising: to deliver advertisements that we believe are relevant to your interests both on the Digital Services and on non-Westpac Group websites using information we hold about you;
• Personalisation: to understand your interests and preferences so we can tailor the content of the Digital Services to your likely interests and provide you with a more relevant personalised digital experience, improve our services and identify suitable offers, products and services from Westpac, Westpac Group and third parties that we believe may interest you; and
• Communication: in the context of our mobile applications, to record unique identifiers associated with your device in order to send relevant messages to you. Those unique identifiers may include the device ID, IP address, MAC address or IMEI number, your activity within the app and your network location.

For those purposes, we may combine information collected from your use of the Digital Services with other information we hold about you, such as personal information available to us once you log in to digital banking, personal information collected through our banking relationship with you, information we collect from third parties and information that is publicly available.

4.1 How to control tracking and cookie settings on your device

Cookie settings

We recommend you enable cookies on your browsers to enjoy all the features of our Digital Services. You won’t be able to use our secure digital banking services if you block some or all cookies. In addition, other websites and applications may not function properly.

You can learn more about cookies and how to adjust your cookie settings by visiting http://westpac.co.nz/about-us/your-cookie-settings/

Other digital tracking settings

To opt-out or change privacy settings with our third-party advertising partners, visit http://westpac.co.nz/about-us/your-cookie-settings/

Your satisfaction is our priority so if you have a concern or complaint, please let us know and we’ll do our best to resolve it right away. Our complaints process is outlined in our Making a complaint section of westpac.co.nz.

If you’re unhappy with our response, you may wish to contact either the Privacy Commissioner at privacy.org.nz or the Banking Ombudsman at bankomb.org.nz.

From time to time, we may make changes to this Privacy Policy. We’ll give notice of any changes at least 30 days in advance, by posting the updated Privacy Policy on westpac.co.nz. If we’re required to make changes to comply with a change in the law or to protect the security of your information, we may provide notice after we’ve made the change.