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Privacy Statement |
About This Security and Privacy Statement
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ESANDA is a division of ANZ Banking Group and we adhere to ANZ's
Privacy Policy. This policy sets out how ANZ companies generally
handle your privacy and also apply to this website. To read the ANZ
Privacy Policy, click here.
This Security and Privacy Statement applies to this Web Site which
is operated by Australia and New Zealand Banking Group (ABN 11 005 357 522) ( "ESANDA" )
under the domain name "www.esanda.com" ( "ESANDA Web
Site" ).
This Security and Privacy Statement may also apply to services offered
by ESANDA on Web Sites hosted by third parties. If so, express
reference to this Security and Privacy Statement will be made on
those Web Sites.
ESANDA understands and appreciates that you, as an ESANDA Web Site
visitor, are concerned about your privacy and about the
confidentiality and security of information we may gain about you
online. ESANDA is committed to protecting your privacy. This ESANDA
Security and Privacy Statement explains how your personal information
will be treated as you access and interact with the ESANDA Web Site.
As the ESANDA Web Site develops and as technology evolves, ESANDA
will continue to strive to provide you with better and more
customised services and with a more effective Web Site. ESANDA
encourages you to review the ESANDA Security and Privacy Statement
periodically because the Security and Privacy Statement may change
from time to time.
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 the ESANDA Web Site. Because those
specific and additional provisions also relate to your privacy
protection, you should review them wherever they are accessible by
you on the ESANDA Web Site. 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.
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Security of Information
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ESANDA takes reasonable steps to preserve the
security of cookie and personal information in accordance with the
ESANDA Web Site 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, ESANDA
currently uses 128 bit SSL encryption.
ESANDA regularly reviews developments in security and encryption
technologies. Unfortunately, no data transmission over the Internet
can be guaranteed as totally secure. Accordingly, although ESANDA
strives to protect such information, ESANDA 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.
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Information Collected
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The information that we will collect about
you will depend on how you use the facilities offered by the ESANDA
Web Site.
If you visit an unsecured area of the ESANDA Web Site,(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.
The ESANDA Web Site offers a number of interactive facilities
including tools such as budget planners and home loan calculators,
as well as online application forms.
If you use any of the tools such as the budget planner or home loan
calculator we generally do not capture any personal information that
you may enter when using these tools. An exception is where 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
ESANDA.
If you decide to complete an online application form, the information
that you enter into the online form will only be collected by us if
you submit your online application. If at any stage you cancel your
application or log out prior to submitting your application, the
information you have entered up to that point will be automatically
deleted. If you suspend or save your application, for example
because you wish to complete it at another time, the information
that you have entered will be retained in our systems so that you
may recover the information when you resume your application. You
may only recover this information within 30 days. After this time,
the information is deleted. Online applications that have been
suspended or saved will not be viewed by us and are not processed by
us.
The ESANDA Web Site also contains links to the Web Sites of third
party providers of goods and services ( "Third Party Web Sites" ).
If you have accessed Third Party Web Sites through the ESANDA Web
Site and if those third parties collect information about you,
ESANDA may also collect or have access to that information as part
of our arrangements with those third parties.
Third Party Web Sites should contain their own privacy statements
and those third parties are responsible for their own privacy
practices.
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Cookies
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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 Web Site.
A "cookie" is a small text file placed on your computer
by our web page server. A cookie can later be retrieved by our
WebPages servers. Cookies are frequently used on Web Sites and you
can choose if and how a cookie will be accepted by configuring your
preferences and options in your browser.
Esanda use cookies for two different purposes. We allocate a cookie
to each Internet browser that visits the ESANDA Web Site. This
cookie does not allow us to collect personally identifiable
information about you. We use this cookie:
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to allocate an ESANDA identification number to your Internet browser (but we cannot identify you from this number); |
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to determine if you have previously visited the ESANDA Web Site; |
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to identify pages you have accessed and Third Party Web Sites you have accessed; and |
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for security purposes. |
Most of the ESANDA Web Site operates by using
this type of cookie.
Accordingly, if you wish to make full use of the ESANDA Web Site, it
is required that you accept cookies.
ESANDA also uses cookies for secure services (that is, an area where
you are required to log on) on the ESANDA Web Site. These cookies
are used for a variety of purposes, including for security and
personalisation reasons. If your browser is configured to reject all
cookies you will be unable to use secure services on the ESANDA Web
Site that require cookies in order to participate. Those services
include (but are not limited to):
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Business Application; |
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Business Finance Calculator; |
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Customer Service Forms. |
You may still be able to use some
information-only pages even if you do not accept cookies.
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Advertising and Tracking
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Esanda uses Doubleclick International Asia BV to deliver its online advertising where Esanda banner advertisements are placed on Third Party websites ('Advertising Company').
When you view an Esanda advertisement on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:
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The server your computer is logged onto |
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Your browser type. |
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The date and time of your visit. |
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The performance of their marketing efforts. |
When you access the Esanda website after viewing an Esanda advertisement on a Third Party website, the advertising company collects information on how you utilise the Esanda website (eg which pages you view) and whether you complete an online application.
In addition, Esanda also uses Omniture to collect information on how you utilise the Esanda website:
Omniture 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. Esanda uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of the Esanda website. As a general rule, no personal information is collected by the Companies in this process. If, however, any information is automatically collected, these companies are required under their arrangements with Esanda 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.
Find out more about Omniture.
You can access the Privacy Statements from the Companies here:
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 the Esanda website.
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How We Handle Email
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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 ESANDA
employees for security issues including where e-mail abuse is
suspected; our response to you may be monitored for quality
assurance issues.
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Use and Disclosure of Information
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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 the ESANDA Web Site and
as otherwise set out in this Security and Privacy Statement.
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Acceptance and Changes to Security and Privacy Statement
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You acknowledge and accept that your use of
the ESANDA Web Site indicates your acceptance of the ESANDA Web Site
Terms of Use and the Security and Privacy Statement.
This is the current Security and Privacy Statement. It replaces any
other Security and Privacy Statement for the ESANDA Web Site
published on the ESANDA Web Site to date. ESANDA may at any time
vary the Security and Privacy Statement by publishing the varied
Security and Privacy Statement on the ESANDA Web Site. You accept
that by doing this, ESANDA has provided you with sufficient notice
of the variation.
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Date of Publication - 14 September 2001 - Version 5
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