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Your ANZ sales contact or relationship manager is needed to confirm your association with the bank. All registration requests are subject to review and access may vary depending on your relationship.

Website Terms of Use and Disclaimer for ANZ Live

About this web site

ANZ Live is operated on behalf of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) of Level 9, ANZ Centre, 833 Collins Street, Docklands, VIC 3008 ("ANZ") and its related bodies corporate. All references in these terms (Terms) to the ANZ Group include a reference to ANZ and its related bodies corporate and its and their authorised agents or service providers.

Except where otherwise specified, "You" and “you” in these Terms refers to both a registered individual user of ANZ Live and the company, partnership or other entity that user represents (“Company”).

Warranties

You make the following representations and warranties:

  • You (as an individual) are authorised by the Company to register and use ANZ Live on the Company’s behalf and bind the Company to these Terms;
  • All information you provided to the ANZ Group during the ANZ Live registration process is, and all information which you subsequently provide to the ANZ Group in connection with ANZ Live will be, true and correct at the relevant time; and
  • You will notify the ANZ Group in writing as soon as reasonably practicable of any changes to your ANZ Live registration details  (including, importantly. if your primary place of residence changes or if you as an individual cease to represent the Company).


Your use of ANZ Live

You agree that you are bound by these Terms and the ANZ Live Privacy and Security Statement when you use or access ANZ Live or the materials accessible on or via ANZ Live (including any documentation, reports, calculations, models, designs, drawings, plans and specifications) (“materials”), including any materials you print from ANZ Live.

You agree to be fully responsible and liable for your use of ANZ Live and any materials accessible on or via ANZ Live, and for any use of your login ID and password by any other person.

Your access to ANZ Live may be terminated or suspended at any time by the ANZ Group without notice to you and you will no longer be authorised to access ANZ Live.  All disclaimers and limitations of liability by the ANZ Group will survive termination or suspension.

The ANZ Group has the right to remove or edit any material posted by the ANZ Group on ANZ Live at any time and without notice to anyone. The ANZ Group also has the right to remove ANZ Live from the internet at any time without notice, either for a short time (for example, for maintenance) or permanently.

Passwords

You must not allow any other person to use your logon ID or password. You must keep your logon ID and password safe and secure from unauthorised use and disclosure.

You are fully responsible for any use of ANZ Live by anyone using your logon ID and password, even if that use is by an unauthorized person (except to such extent the use is caused or permitted by the ANZ Group). You agree to fully indemnify, defend, and hold harmless ANZ and each member of the ANZ Group including its and their directors, employees and agents from and against any losses they may suffer directly or indirectly as a result of your breach of these Terms, your use of ANZ Live or any unauthorised use of your logon ID or password (except to such extent the use is caused or permitted by ANZ or the ANZ Group).

Notwithstanding this indemnity, the ANZ Group retain the right to assume the conduct of any defence to a claim brought against us, and you agree to provide all reasonable cooperation (including by making relevant documents available) that we may require from you.

Storage of information

When you register for ANZ Live, the information will be collected and stored using cloud technology by Salesforce.com Singapore Pte. Ltd on behalf of the ANZ Group. ANZ will also store information relating to event invitations we send to you and your response to such invitations in the same manner.  ANZ has an agreement with Salesforce.com Singapore Pte. Ltd. with provisions to protect your information.

Unfortunately, no data stored using cloud technology can be guaranteed as totally secure. Accordingly, although ANZ strives to protect such information, ANZ cannot ensure or warrant the security of this information and it is stored at your own risk. Salesforce.com is not responsible to you for the collection, storage and use of your information.

The information that the ANZ Group collects about you is stored in the United States of America.

Remember me function

ANZ Live may have a function which will automatically log you in from your computer every time you visit the website. This means that you will not need to log in each time you visit ANZ Live.  However, it also means that you must never allow anyone else to access ANZ Live from your computer as they will then be using your login ID and password.

Limitation of Liability

Except as required by law, and only to the extent so required, neither ANZ nor any member of the ANZ Group warrant or guarantee the performance of any of the products or services described in ANZ Live or any return on any associated investment, and, ANZ and each member of the ANZ Group expressly disclaim any responsibility and shall not be liable for any loss, damage, claim, liability, proceedings, cost or expense (“Liability”) arising directly or indirectly and whether in tort (including negligence), contract, equity or otherwise out of or in connection with information in ANZ Live.

Acceptance and Changes to Website Terms of Use

You acknowledge and accept that your use of ANZ Live indicates acceptance of these Terms and ANZ Live Privacy and Security Statement.

These are the current Terms for ANZ Live. The ANZ Group may at any time vary these Terms by publishing the varied Terms on ANZ Live. You accept that by the ANZ Group doing this, the ANZ Group is deemed to have provided you with sufficient notice of the variation.

The ANZ Group reserves any rights not expressly granted in these Terms.

Joint and several liability

The liability of the registered individual user and the Company who that user represents is joint and several.  A reference to “You” or “you” means each of those persons individually and together.

Jurisdiction

The law applicable to use of ANZ Live is the law of the State of Victoria, Australia.

Copyright and Trademarks

Copyright in the material on ANZ Live is owned or licensed by the ANZ Group.

Except where necessary for viewing the material on the website on your browser, or as expressly permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms, no material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the ANZ Group.

"ANZ", and all associated trademarks, are trademarks of Australia and New Zealand Banking Group Limited.

General disclaimer – ANZ Live

Whilst we have made every effort to ensure that information and materials provided in ANZ Live is free from error, the ANZ Group does not warrant its accuracy, adequacy or completeness. The information is based on information and sources the ANZ Group believes to be reliable. Such information is intended as general information only and is current as at the date indicated on the information. The information is in summary form and does not purport to be complete and is not a substitute for professional advice. Examples are used for illustration purposes only and are not intended as advice. All information is subject to change without notice.

The ANZ Group recommends that you seek independent legal, financial and/or taxation advice, which takes into account your particular circumstances before considering or acting on this material further.

ANZ cannot guarantee that access to ANZ Live will be free from viruses or uninterrupted.  ANZ accepts no liability for any viruses or inability to access ANZ Live.

Disclaimer - information on site

The information on ANZ Live is prepared or provided by various members of the ANZ Group including in and from different jurisdictions.  The distribution of information via ANZ Live may be restricted by law in certain jurisdictions. Persons who access ANZ Live outside Australia must inform themselves about and observe all relevant restrictions.

You agree to read, be bound by, and comply with all disclaimers which accompany the information on ANZ Live. Without limiting this clause, you specifically agree to be bound by the following disclaimer:

This disclaimer is for attachment to ANZ RESEARCH content which is distributed via ANZ Live. Relevant procurement and distribution guidelines must be observed.

FOR VIDEO BROADCASTS - PROMINENTLY DISPLAY THIS NEAR THE PLAY BUTTON WHICH STARTS THE BROADCAST: "Please read the Important Notice that applies to this video broadcast by clicking on the "Website Terms of Use" link located at the bottom of your screen. The broadcast is general information, prepared without taking into account the objectives, financial situation or needs of any person. Any recommendations included in the broadcast are solely for the information of ‘wholesale clients’ or 'sophisticated clients' (if applicable, as defined in your jurisdiction). You should consider if a particular recommendation (if any) is appropriate for your needs before acting on it and seek independent financial and other professional advice".

IMPORTANT NOTICE: The distribution of this document or streaming of this video broadcast (as applicable, “publication”) may be restricted by law in certain jurisdictions. Persons who receive this publication must inform themselves about and observe all relevant restrictions.

1. Disclaimer for all jurisdictions:

Except if otherwise specified in section 2 below, this publication is issued and distributed in your country/region by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (“ANZ”), on the basis that it is only for the information of the specified recipient or permitted user of the relevant website (collectively, “recipient”). This publication is confidential and may not be reproduced, distributed or published by any recipient for any purpose. It is general information and has been prepared without taking into account the objectives, financial situation or needs of any person. Nothing in this publication is intended to be an offer to sell, or a solicitation of an offer to buy, any product, instrument or investment, to effect any transaction or to conclude any legal act of any kind. If, despite the foregoing, any services or products referred to in this publication are deemed to be offered in the jurisdiction in which this publication is received or accessed, no such service or product is intended for nor available to persons resident in that jurisdiction if it would be contradictory to local law or regulation. Such local laws, regulations and other limitations always apply with non-exclusive jurisdiction of local courts. Certain financial products may be subject to mandatory clearing, regulatory reporting and/or other related obligations. These obligations may vary by jurisdiction and be subject to frequent amendment. Before making an investment decision, recipients should seek independent financial, legal, tax and other relevant advice having regard to their particular circumstances.

The views and recommendations expressed in this publication are the author’s. They are based on information known by the author and on sources which the author believes to be reliable, but may involve material elements of subjective judgement and analysis. Unless specifically stated otherwise: they are current on the date of this publication and are subject to change without notice; and, all price information is indicative only. Any of the views and recommendations which comprise estimates, forecasts or other projections, are subject to significant uncertainties and contingencies that cannot reasonably be anticipated. On this basis, such views and recommendations may not always be achieved or prove to be correct. Indications of past performance in this publication will not necessarily be repeated in the future. No representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. Additionally, this publication may contain ‘forward looking statements’. Actual events or results or actual performance may differ materially from those reflected or contemplated in such forward looking statements. All investments entail a risk and may result in both profits and losses. Foreign currency rates of exchange may adversely affect the value, price or income of any products or services described in this publication. The products and services described in this publication are not suitable for all investors, and transacting in these products or services may be considered risky. ANZ and its related bodies corporate and affiliates, and the officers, employees, contractors and agents of each of them (including the author) (“Affiliates”), do not make any representation as to the accuracy, completeness or currency of the views or recommendations expressed in this publication. Neither ANZ nor its Affiliates accept any responsibility to inform you of any matter that subsequently comes to their notice, which may affect the accuracy, completeness or currency of the information in this publication.

Except as required by law, and only to the extent so required: neither ANZ nor its Affiliates warrant or guarantee the performance of any of the products or services described in this publication or any return on any associated investment; and, ANZ and its Affiliates expressly disclaim any responsibility and shall not be liable for any loss, damage, claim, liability, proceedings, cost or expense (“Liability”) arising directly or indirectly and whether in tort (including negligence), contract, equity or otherwise out of or in connection with this publication.

If this publication has been distributed by electronic transmission, such as e-mail, then such transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. ANZ and its Affiliates do not accept any Liability as a result of electronic transmission of this publication.

ANZ and its Affiliates may have an interest in the subject matter of this publication as follows:

 

  • They may receive fees from customers for dealing in the products or services described in this publication, and their staff and introducers of business may share in such fees or receive a bonus that may be influenced by total sales.
  • They or their customers may have or have had interests or long or short positions in the products or services described in this publication, and may at any time make purchases and/or sales in them as principal or agent. 
  • They may act or have acted as market-maker in products described in this publication.


ANZ and its Affiliates may rely on information barriers and other arrangements to control the flow of information contained in one or more business areas within ANZ or within its Affiliates into other business areas of ANZ or of its Affiliates. This publication is published in accordance with ANZ’s policies on Conflicts of Interest and Information Barriers. Copies of previous research reports are available on request to research@anz.com or online at ANZ Live www.live.anz.com.

Please contact your ANZ point of contact with any questions about this publication including for further information on these disclosures of interest.
 

2. Country/region specific information:

Australia. This publication is distributed in Australia by ANZ. ANZ holds an Australian Financial Services licence no. 234527. A copy of ANZ's Financial Services Guide is available at http://www.anz.com/documents/AU/aboutANZ/FinancialServicesGuide.pdf and is available upon request from your ANZ point of contact. If trading strategies or recommendations are included in this publication, they are solely for the information of ‘wholesale clients’ (as defined in section 761G of the Corporations Act 2001 Cth). Persons who receive this publication must inform themselves about and observe all relevant restrictions.

Brazil. This publication is distributed in Brazil by ANZ on a cross border basis and only following request by the recipient. No securities are being offered or sold in Brazil under this publication, and no securities have been and will not be registered with the Securities Commission - CVM.

Brunei. Japan. Kuwait. Malaysia. Switzerland. Taiwan. This publication is distributed in each of Brunei, Japan, Kuwait, Malaysia, Switzerland and Taiwan by ANZ on a cross-border basis.

Cambodia. APS222 Disclosure. The recipient acknowledges that although ANZ Royal Bank (Cambodia) Ltd. is a subsidiary of ANZ, it is a separate entity to ANZ and the obligations of ANZ Royal Bank (Cambodia) Ltd. do not constitute deposits or other liabilities of ANZ and ANZ is not required to meet the obligations of ANZ Royal Bank (Cambodia) Ltd. 

European Economic Area (“EEA”): United Kingdom. ANZ in the United Kingdom is authorised by the Prudential Regulation Authority (“PRA”). Subject to regulation by the Financial Conduct Authority (“FCA”) and limited regulation by the PRA. Details about the extent of our regulation by the PRA are available from us on request. This publication is distributed in the United Kingdom by ANZ solely for the information of persons who would come within the FCA definition of “eligible counterparty” or “professional client”. It is not intended for and must not be distributed to any person who would come within the FCA definition of “retail client”. Nothing here excludes or restricts any duty or liability to a customer which ANZ may have under the UK Financial Services and Markets Act 2000 or under the regulatory system as defined in the Rules of the PRA and the FCA. Germany. This publication is distributed in Germany by the Frankfurt Branch of ANZ solely for the information of its clients. Other EEA countries. This publication is distributed in the EEA by ANZ Bank (Europe) Limited (“ANZBEL”) which is authorised by the PRA and regulated by the FCA and the PRA in the United Kingdom, to persons who would come within the FCA definition of “eligible counterparty” or “professional client” in other countries in the EEA. This publication is distributed in those countries solely for the information of such persons upon their request. It is not intended for, and must not be distributed to, any person in those countries who would come within the FCA definition of “retail client”.

Fiji.  For Fiji regulatory purposes, this publication and any views and recommendations are not to be deemed as investment advice. Fiji investors must seek licensed professional advice should they wish to make any investment in relation to this publication.

Hong Kong. This publication is issued or distributed in Hong Kong by the Hong Kong branch of ANZ, which is registered at the Hong Kong Monetary Authority to conduct Type 1 (dealing in securities), Type 4 (advising on securities) and Type 6 (advising on corporate finance) regulated activities.  The contents of this publication have not been reviewed by any regulatory authority in Hong Kong. If in doubt about the contents of this publication, you should obtain independent professional advice.

India. This publication is distributed in India by ANZ on a cross-border basis. If this publication is received in India, only you (the specified recipient) may print it provided that before doing so, you specify on it your name and place of printing. Further copying or duplication of this publication is strictly prohibited.

Myanmar. This publication is intended to be of a general nature as part of customer service and marketing activities provided by ANZ in the course of implementing its functions as a licensed bank. This publication does not take into account your financial situation or goals and is not Securities Investment Advice (as that term is defined in the Myanmar Securities Transaction Law 2013).  The contents of this publication have not been reviewed by any regulatory authority in Myanmar. If in doubt about the contents of this publication, you should obtain independent professional advice.

New Zealand. This publication is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised adviser service under the Financial Advisers Act 2008.

Oman. This publication has been prepared by ANZ. ANZ neither has a registered business presence nor a representative office in Oman and does not undertake banking business or provide financial services in Oman. Consequently ANZ is not regulated by either the Central Bank of Oman or Oman’s Capital Market Authority. The information contained in this publication is for discussion purposes only and neither constitutes an offer of securities in Oman as contemplated by the Commercial Companies Law of Oman (Royal Decree 4/74) or the Capital Market Law of Oman (Royal Decree 80/98), nor does it constitute an offer to sell, or the solicitation of any offer to buy non-Omani securities in Oman as contemplated by Article 139 of the Executive Regulations to the Capital Market Law (issued vide CMA Decision 1/2009). ANZ does not solicit business in Oman and the only circumstances in which ANZ sends information or material describing financial products or financial services to recipients in Oman, is where such information or material has been requested from ANZ and by receiving this publication, the person or entity to whom it has been dispatched by ANZ understands, acknowledges and agrees that this publication has not been approved by the CBO, the CMA or any other regulatory body or authority in Oman. ANZ does not market, offer, sell or distribute any financial or investment products or services in Oman and no subscription to any securities, products or financial services may or will be consummated within Oman. Nothing contained in this publication is intended to constitute Omani investment, legal, tax, accounting or other professional advice.

People’s Republic of China. Recipients must comply with all applicable laws and regulations of PRC, including any prohibitions on speculative transactions and CNY/CNH arbitrage trading.  If and when the material accompanying this document is distributed by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (“ANZ”) or an affiliate (other than Australia and New Zealand Bank (China) Company Limited ("ANZ C")), the following statement and the text below is applicable: No action has been taken by ANZ or any affiliate which would permit a public offering of any products or services of such an entity or distribution or re-distribution of this document in the PRC. Accordingly, the products and services of such entities are not being offered or sold within the PRC by means of this document or any other document. This document may not be distributed, re-distributed or published in the PRC, except under circumstances that will result in compliance with any applicable laws and regulations. If and when the material accompanying this document relates to the products and/or services of ANZ C, the following statement and the text below is applicable: This document is distributed by ANZ C in the Mainland of the PRC.

Qatar. This publication has not been, and will not be:    

  • lodged or registered with, or reviewed or approved by, the Qatar Central Bank ("QCB"), the Qatar Financial Centre ("QFC") Authority, QFC Regulatory Authority or any other authority in the State of Qatar ("Qatar"); or
  • authorised or licensed for distribution in Qatar,
     

and the information contained in this publication does not, and is not intended to, constitute a public offer or other invitation in respect of securities in Qatar or the QFC. The financial products or services described in this publication have not been, and will not be:

  • registered with the QCB, QFC Authority, QFC Regulatory Authority or any other governmental authority in Qatar; or
  • authorised or licensed for offering, marketing, issue or sale, directly or indirectly, in Qatar.


Accordingly, the financial products or services described in this publication are not being, and will not be, offered, issued or sold in Qatar, and this publication is not being, and will not be, distributed in Qatar. The offering, marketing, issue and sale of the financial products or services described in this publication and distribution of this publication is being made in, and is subject to the laws, regulations and rules of, jurisdictions outside of Qatar and the QFC. Recipients of this publication must abide by this restriction and not distribute this publication in breach of this restriction. This publication is being sent/issued to a limited number of institutional and/or sophisticated investors (i) upon their request and confirmation that they understand the statements above; and (ii) on the condition that it will not be provided to any person other than the original recipient, and is not for general circulation and may not be reproduced or used for any other purpose.

Singapore. This publication is distributed in Singapore by the Singapore branch of ANZ solely for the information of “accredited investors”, “expert investors” or (as the case may be) “institutional investors” (each term as defined in the Securities and Futures Act Cap. 289 of Singapore). ANZ is licensed in Singapore under the Banking Act Cap. 19 of Singapore and is exempted from holding a financial adviser’s licence under Section 23(1)(a) of the Financial Advisers Act Cap. 100 of Singapore. In respect of any matters arising from, or in connection with the distribution of this publication in Singapore, contact your ANZ point of contact.

United Arab Emirates. This publication is distributed in the United Arab Emirates (“UAE”) or the Dubai International Financial Centre (as applicable) by ANZ. This publication: does not, and is not intended to constitute an offer of securities anywhere in the UAE; does not constitute, and is not intended to constitute the carrying on or engagement in banking, financial and/or investment consultation business in the UAE under the rules and regulations made by the Central Bank of the United Arab Emirates, the Emirates Securities and Commodities Authority or the United Arab Emirates Ministry of Economy; does not, and is not intended to constitute an offer of securities within the meaning of the Dubai International Financial Centre Markets Law No. 12 of 2004; and, does not constitute, and is not intended to constitute, a financial promotion, as defined under the Dubai International Financial Centre Regulatory Law No. 1 of 200. ANZ DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”). The financial products or services described in this publication are only available to persons who qualify as “Professional Clients” or “Market Counterparty” in accordance with the provisions of the DFSA rules. In addition, ANZ has a representative office (“ANZ Representative Office”) in Abu Dhabi regulated by the Central Bank of the United Arab Emirates. ANZ Representative Office is not permitted by the Central Bank of the United Arab Emirates to provide any banking services to clients in the UAE.

United States. ANZ Securities, Inc. (“ANZSI”) is a member of the Financial Industry Regulatory Authority (“FINRA”) (www.finra.org) and registered with the SEC. ANZSI’s address is 277 Park Avenue, 31st Floor, New York, NY 10172, USA (Tel: +1 212 801 9160 Fax: +1 212 801 9163). Except where this is an FX- related publication, this publication is distributed in the United States by ANZSI (a wholly owned subsidiary of ANZ), which accepts responsibility for its content. Information on any securities referred to in this publication may be obtained from ANZSI upon request. This publication or material is intended for institutional use only – not retail. If you are an institutional customer wishing to effect transactions in any securities referred to in this publication you must contact ANZSI, not its affiliates.  ANZSI is authorised as a broker-dealer only for institutional customers, not for US Persons (as “US person” is defined in Regulation S under the US Securities Act of 1933, as amended) who are individuals. If you have registered to use this website or have otherwise received this publication and are a US Person who is an individual: to avoid loss, you should cease to use this website by unsubscribing or should notify the sender and you should not act on the contents of this publication in any way. Non-U.S. Analysts: Non-U.S. analysts may not be associated persons of ANZSI and therefore may not be subject to FINRA Rule 2242 restrictions on communications with subject company, public appearances and trading securities held by the analysts.

Where this is an FX-related publication, it is distributed in the United States by ANZ's New York Branch, which is also located at 277 Park Avenue, 31st Floor, New York, NY 10172, USA (Tel: +1 212 801 916 0 Fax: +1 212 801 9163). Commodity-related products are not insured by any U.S. governmental agency, and are not guaranteed by ANZ or any of its affiliates. Transacting in these products may involve substantial risks and could result in a significant loss. You should carefully consider whether transacting in commodity-related products is suitable for you in light of your financial condition and investment objectives.

Vietnam. This publication is distributed in Vietnam by ANZ or ANZ Bank (Vietnam) Limited, a subsidiary of ANZ. Please note that the contents of this publication have not been reviewed by any regulatory authority in Vietnam. If you are in any doubt about any of the contents of this publication, you should obtain independent professional advice.

Publication date - July 2016

Security and Privacy Statement

This Security and Privacy Statement applies to this web site operated and managed by a third party on behalf of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) of Level 9, ANZ Centre, 833 Collins Street, Docklands, VIC 3008 ("ANZ") under the domain name www.live.anz.com.

ANZ Live is operated on behalf of ANZ and its related bodies corporate (together called the "ANZ Group"). All references in these terms (Terms) to ANZ Group include a reference to the ANZ Group and its and their authorised agents or service providers.  "You" and “you” in these Terms refers to both a registered individual user of ANZ Live and the company, partnership or other entity that user represents (“Company”).

The ANZ Group understands and appreciates that you, as a user of ANZ Live, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. The ANZ Group is committed to protecting your privacy. This Statement explains how your personal information will be treated as you access and interact with ANZ Live.

Warranties

You represent and warrant that you (as an individual) are authorised by the Company to register and use ANZ Live on the Company’s behalf and bind the Company to this Statement.

Your use of ANZ Live

You agree that you are bound by this Statement and the ANZ Live Terms when you use or access ANZ Live.

Security of information

The ANZ Group takes reasonable steps to preserve the security of cookie and information provided by you. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted). If secure transmission is indicated, the ANZ Group currently uses 128 bit SSL encryption.

Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although the ANZ Group strives to protect such information, the ANZ Group cannot ensure or warrant the security of any information transmitted using ANZ Live.

Storage of information

When you register for ANZ Live, the information will be collected and stored using cloud technology by Salesforce.com Singapore Pte. Ltd on behalf of the ANZ Group. ANZ will also store information relating to event invitations we send to you and your response to such invitations in the same manner. ANZ has an agreement with Salesforce.com Singapore Pte. Ltd. with provisions to protect your information.

Unfortunately, no data stored using cloud technology can be guaranteed as totally secure. Accordingly, although ANZ strives to protect such information, ANZ cannot ensure or warrant the security of this information and it is stored at your own risk. Salesforce.com is not responsible to you for the collection, storage and use of your information.

The information that the ANZ Group collects about you is stored in the United States of America.

Remember me function

ANZ Live may have a function which will automatically log you in from your computer every time you visit the website.  This means that you will not need to log in each time you visit ANZ Live.  However, it also means that you must never allow anyone else to access ANZ Live from your computer as they will then be using your login ID and password.

Privacy and disclosure of information

The information that the ANZ Group collects about you is dependent on how you use ANZ Live. In this section, “Personal Information” means information or an opinion about an identified individual, or an individual who is reasonably identifiable.

When you register for ANZ Live and use ANZ Live, the ANZ Group may collect and use Personal Information: (a) to provide you with information about a product or service; (b) to consider and process your request for a product or service; (c) to provide a product or service to you; (d) to tell you about other products and services; (e) to assist in arrangements with other organisations in relation to the promotion or provision of a product or service; (f) to manage products and services and perform administrative and operational tasks; (g) to consider any concerns or complaints raised by you against the ANZ Group and/or to manage any legal action involving the ANZ Group; (h) to identify, prevent or investigate any actual or suspected fraud, unlawful activity or misconduct; (i) to identify you or establish your tax status under any Australian or foreign legislation, regulation or treaty or pursuant to an agreement with any tax authority; and (j) as required by relevant laws, regulations, codes of practice and external payment systems.

ANZ Group’s Privacy Policy (available at anz.com/privacy) contains information about: (a) any laws that require or authorise the ANZ Group to collect certain Personal Information and why those laws require the ANZ Group to collect such Personal Information; (b) the circumstances in which the ANZ Group may collect Personal Information from other sources (including from a third party); and (iii) how an individual may: (i) access their Personal Information and seek correction of their Personal Information; (ii) instruct the ANZ Group that the individual does not want to receive information about other products and services; and (iii) raise concerns that the ANZ Group may have breached the Privacy Act 1988 (Cth) or related code, and how the ANZ Group will deal with these matters.

The ANZ Group may disclose any information (including Personal Information) relating to you, ANZ Live or any associated products or services to: (a) any related entity of the ANZ Group which may use the information to: provide, manage or administer products or services; carry out the ANZ Group’s functions and activities; manage products and services and perform administrative and operational tasks; promote its own products and services, unless you advise otherwise; and comply with laws, regulatory requirements and prudential standards; (b) an organisation that is in an arrangement with the ANZ Group to jointly offer products or services and/or has an alliance with the ANZ Group to share information for marketing purposes (and any of its outsourced service providers or agents); (c) any agent, contractor or service provider the ANZ Group engages to carry out or assist with its functions and activities; (d) an organisation that assists the ANZ Group to identify, prevent or investigate fraud, unlawful activity or misconduct; (e) regulatory bodies, government agencies, law enforcement bodies and courts; (f) participants in payments systems (including payment organisations and merchants) and other financial institutions; (g) other credit providers; (h) insurers (including mortgage insurers) and reinsurers; (i) any person who introduces you to the ANZ Group; (j) your referee(s), employer or representative (including any broker, authorised agent, executor, administrator or trustee in bankruptcy, legal representative or anyone else acting for you in connection with your product or service); (k) joint account holders; (l) any provider of a guarantee, security or other credit support for you in connection with your obligations to the ANZ Group; (m) other parties the ANZ Group is authorised or required by law or court/tribunal order to disclose information to; (n) any professional advisors of the ANZ Group who are under a duty of confidentiality to keep such information confidential; and (o) any credit reporting bodies (for more information about credit reporting in relation to Personal Information, including the name and contact details of credit reporting bodies and the circumstances in which the ANZ Group may disclose Personal Information to them, refer to anz.com/privacy).

In making the disclosures described above, the ANZ Group may disclose information to recipients (including service providers and related entities of the ANZ Group) (a) located outside Australia and/or (b) not established in or not carrying on business in Australia. Details regarding the location of such recipients may be found at anz.com/privacy.

If you give the ANZ Group Personal Information about someone else or direct someone else to give their Personal Information to the ANZ Group, you must show that person a copy of this “Privacy and disclosure of information” clause so that they understand the manner in which their Personal Information may be used or disclosed.”

Alerts and publication emails

You may subscribe to receive alert and publication emails that will advise you of new alerts and publications on ANZ Live. You may unsubscribe from these emails at any time. You consent to the ANZ Group using your information to send you emails in accordance with your subscription.

Cookies

We use "cookies" as a fundamental part of our interaction with your internet browser. The purpose is to provide you with better and more customised service and with a more effective website.

A "cookie" is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

The ANZ Group may use cookies for two different purposes. We allocate a cookie to each computer that visits ANZ Live. This cookie allows us to collect personally identifiable information about you and contains your login ID and password. We use this cookie:

  • to collect personally identifiable information about you; and
  • for security purposes.

ANZ may also use a cookie for a remember me function (as specified above).

Most of ANZ Live operates by using cookies.  Accordingly, if you wish to make use of ANZ Live, it is required that your browser is configured to accept cookies.

How we handle feedback mailbox

We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by ANZ Group employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.

Use and disclosure of information

We will only use or disclose information about you or information in accordance with this Statement or as otherwise set out in specific and additional provisions relating to privacy which apply to certain areas of ANZ Live (if any).

Access to information

You have a right to access the information by contacting anzlivesupport@anz.com and you may also request that it be corrected. A fee may be payable.

Acceptance and changes to Security and Privacy Statement

You acknowledge and accept that your use of ANZ Live indicates your acceptance of the ANZ Live Terms and this Statement.

This is the current ANZ Live Security and Privacy Statement The ANZ Group may at any time vary this Statement by publishing a varied Statement on ANZ Live. You accept that by the ANZ Group publishing the varied Statement on ANZ Live, the ANZ Group has provided you with sufficient notice of the variation.
 

Publication date – October 2014 (version 5)