The policy also details how we handle our customers’ credit-related information under a new system we call 'Comprehensive Credit Reporting'.
We’ve written a separate article about changes to the credit reporting system because it’s important you understand how they might affect you.
- How we collect, use, disclose and store your personal and credit information.
- How you contact us if you want to access or correct the information we hold about you.
- How you can contact us if you want to speak to us about resolving a privacy issue for you.
Using electronic communication
Our policy outlines how we’ll communicate with you electronically, including how we'll use your contact details to let you know about our products and services from across the NAB Group. This includes how we interact with you using email, SMS, and social networking forums.
You can still tell us how you’d like us to communicate with you (eg. over the phone instead of by email). We'll respect your wishes should you let us know you don't want to receive direct marketing offers.
Using a pseudonym for general enquiries
You can communicate with us anonymously or using a pseudonym (a false name) where it’s practical.
We need to know who we’re dealing with for most matters, like opening accounts and giving you an account balance. But, if you just want to make a general enquiry you can use a pseudonym or remain anonymous.
Sharing your information with others
We may share your personal information with other NAB Group members. This depends on the product or service you have with us and the Group member you're dealing with.
We also need to share your information from time to time with organisations outside of the NAB Group. Some of these organisations assist us with providing the product or service you have with us. We always take measures to ensure our service providers take appropriate steps to protect that information, and restrict the way they can use it.
Direct marketing is when we promote or make an offer to you personally.
We'll only direct market to those who reasonably expect it. If you tell us you don’t want to receive direct marketing we’ll respect your wishes.
Where we market to potential customers we’re happy to let them know how we got their information and will give them easy ways to opt out of direct marketing.
Sharing information to organisations outside Australia
We run our business in Australia and overseas. We may need to share personal and credit information with organisations outside Australia. Sometimes, we may need to ask your permission before we do this. You can read the list of overseas countries where these organisations operate on our website.
We may store your information in a cloud or other types of networked or electronic storage.
Accessing, correcting and making a complaint
You’ve always had the right to access, correct and make a complaint about personal information. Our policy explains how you do this. If the information you seek to access or correct is credit related, you have additional rights.