The policy also details how we handle our customers’ credit-related information under a new system we call 'Comprehensive Credit Reporting'. To help you understand how changes to the credit reporting system can affect you, we've written a separate article: Credit reporting and your credit history.
- 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.
For a quick overview, check out our condensed version of the policy (DOC, 49KB), opens in new window. Below, we go into a little more detail about the main features.
Using electronic communication
Our policy outlines how we’ll communicate with you electronically. That is, how we’ll use your contact details to let you know about our products and services from across the NAB Group – and how we’ll interact using email, SMS, and social networking forums.
You can still tell us how you’d like us to communicate with you (e.g. over the phone instead of by email). We'll respect your wishes if you don't want to receive our direct marketing offers.
Using a pseudonym for general enquiries
For most matters, like opening accounts or giving you an account balance, we need to know who we’re dealing with.
But if you just want to make a general enquiry, you can use a pseudonym (false name) 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.
From time to time, we also need to share your information with organisations outside of the NAB Group – those that help us provide the product or service you have with us.
For your security, 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 do this 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 tell them how we got their information. We’ll also give them easy ways to opt out of direct marketing if they want.
Sharing information to organisations outside Australia
We run our business in Australia and overseas. This means we might need to share personal and credit information with organisations outside Australia.
Sometimes, we might need to ask your permission before we do this. If you’re interested, head to our website to read the list of overseas countries where these organisations operate.
Finally, we may also store your information in a cloud or other types of networked or electronic storage.
Accessing, correcting and making a complaint
You always have the right to access, correct and make a complaint about personal information. Our policy explains how you do this.
If the information you want to access or correct is credit related, you have additional rights.
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The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information in this article.