Website Security and Privacy Statement

This Security and Privacy Statement applies to this website which is operated on behalf of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name "www.anzsmallbusinessnow.com" (the "website"). This website is hosted by WebCentral Pty Ltd on behalf of ANZ and its related bodies corporate (together called the "Australia and New Zealand Banking Group"). The information described in this Security and Privacy Statement may be shared between members of the Australia and New Zealand Banking Group.

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

The ANZ Privacy Policy (PDF, 371kb) explains how ANZ generally protects your privacy and confidentiality. The principles set out in the ANZ Privacy Policy also apply to this website.

In addition to the provisions of this Security and Privacy Statement, there may also be specific and additional privacy provisions which apply to certain sections of this website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on this website. In the event of any inconsistency between the provisions of this Security and Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.

ANZ takes reasonable steps to preserve the security of cookie and personal information in accordance with the Website Terms of Use and this Security and Privacy Statement. 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, ANZ currently uses 128 bit SSL encryption.

ANZ regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although ANZ strives to protect such information, ANZ cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.

The information that ANZ collects about you is dependent on how you use the facilities offered by this website.

If you visit an unsecure area of this website (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.

This website offers a number of interactive facilities including tools such as calculators.

If you use any of the tools such as a calculator we generally do not capture any personal information that you may enter when using these tools. An exception to this is when a tool such as a budget planner allows you to suspend or save your plan and retrieve the details at a later time. In that case the information is stored on our systems so that you may recover the information when you resume your plan. Any information stored in a suspended or saved budget planner or other similar tool will not be viewed by ANZ.

ANZ uses Doubleclick International Asia BV to deliver its online advertising where ANZ banner advertisements are placed on Third Party websites ('Advertising Company').

When you view an ANZ advertisement on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

• The server your computer is logged onto.
• Your browser type.
• The date and time of your visit.
• The performance of their marketing efforts.

When you access this website after viewing an ANZ advertisement on a Third Party website, the advertising company collects information on how you utilise this website (eg which pages you view) and whether you complete an online application.

In addition, ANZ also uses the following companies to collect information on how you utilise this website:

• Nielsen//NetRatings

('tracking companies'). These tracking companies also use cookies to collect information similar to that collected by the advertising company.

The advertising company and tracking companies ('companies') use that information to perform statistical analyses of aggregate user behaviour, but those analyses are not based on personal information. ANZ uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of this website. As a general rule, no personal information is collected by the Companies in this process. If, however, any automatically collected, these companies are required under their arrangements with ANZ to maintain the privacy and confidentiality of that personal information.

We may disclose the information collected by a Company, in an aggregate form only, to third parties including advertisers or potential advertisers.

You can opt-out of DoubleClick cookies. This opt-out is applicable to DoubleClick tracking your current browser throughout DoubleClick's network of websites, including this website.

You can access the Privacy Statements from the Companies here:

• Nielsen//NetRatings

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.

WebCentral uses cookies which expire once the visitor leaves the website.  ANZ uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits this website. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

• to allocate an ANZ identification number to your Internet browser (but we cannot identify you from this number);
• to determine if you have previously visited this website;
• to identify pages you have accessed and Third Party websites you have accessed; and
• for security purposes.

Most of this website operates by using this type of cookie.

Accordingly, if you wish to make full use of this website, it is required that you accept cookies.

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 our ANZ employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.

We will only use or disclose personal information or information generated by cookies in accordance with the ANZ Privacy Policy, specific and additional provisions relating to privacy which apply to certain areas of this website and as otherwise set out in this Security and Privacy Statement.