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The products and services described in this web site are available only to New Zealand residents and in relation to property in New Zealand. ANZ regrets that, at this time, it cannot accept applications for these products and services from persons other than New Zealand residents. Also, the information contained in this web site should not be regarded as promoting any product or service other than those offered by ANZ in New Zealand. The information contained in this web site has been prepared under New Zealand law for the supply of these products and services in New Zealand only. ANZ does not accept responsibility for the compliance of this information with the laws of any other country. Accordingly, the information is not directed at persons in any other country and should not be relied upon by persons in any country other than New Zealand.
If you plan to emigrate to New Zealand, you will be able to obtain further information about ANZ products and services upon your arrival.
All applications for credit are subject to ANZ lending criteria. Applications for credit may also be subject to approval fees. Insurance costs may apply. For further information on fees or about a particular product or service, including full details of terms and conditions, please complete the e-form on the product or service page or contact any branch of ANZ.
ANZ holds all copyright and other intellectual property rights in this web site and reserves all rights, save as provided in this disclaimer. You may electronically reproduce and store the contents of this web site solely for the purposes of viewing this web site, or saving web site content, for your own personal use. You may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the Internet, without permission from ANZ.
Any infringement of ANZ's intellectual property rights will be fully enforced under New Zealand law.
Please do not create a link to any of the pages on this web site without the prior permission of ANZ. If you do create a link to any of the pages on our web site, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify ANZ for all loss, damage, liability, costs or expense arising from or in connection with the link.
If you wish to create a link to any of the pages on this website:
Hypertext Links which ANZ provides on this web site to other Internet resources are not investigated or monitored by ANZ. Accordingly, the content, timeliness, opinions and Hypertext Links found on Internet resources to which we provide Hypertext Links are also not investigated or monitored by ANZ.
The calculators, product selector tools and other interactive tools which may be used on this web site from time to time are intended to be illustrative only. ANZ does not represent or warrant the accuracy, adequacy or completeness of any information provided by those calculators and product selector tools. Please consult an ANZ staff member either before selecting a product or service or acting on the basis of information provided by these tools.
While ANZ has taken every care to ensure that the information contained on this web site is complete and accurate, it does not represent or warrant the accuracy or completeness of any information on this web site or that this information is suitable for your intended use. ANZ accepts no responsibility or liability arising from or in connection with your use of this web site and the information contained on it. Also, no information on this web site is intended to constitute an offer to enter into any transaction or relationship, the promotion of any product or service other than those offered by ANZ in New Zealand, or to provide the basis of any credit. Please consult an ANZ staff member before selecting a product or service or acting on the basis of information provided by this web site.
ANZ will endeavour to keep this web site as up-to-date as possible, but all information contained on our web site is subject to change, including interest rates and fees. All information is current at the time of publication, but if you are unsure of the timeliness of any information, please consult an ANZ staff member before proceeding.
Information transmitted over the Internet is inherently insecure. However, any information you provide to ANZ will be kept strictly confidential and will be securely held by ANZ. You have a right to access the information by inquiring at any branch of ANZ and you may also request that it be corrected. A fee may be payable.
ANZ may use this information to:
- consider your application for facilities, products or services
- administer, manage and monitor any facilities, products or services provided to you
- conduct market research, data processing and statistical analysis
- unless you disagree, provide you with information about other facilities, products or services including select third party products or services.
ANZ may disclose information about you to the ANZ Group, agents or contractors for the above purposes.
ANZ may use your personal information for statistical purposes or for the purpose of data matching, and in doing so may collect information about you. ‘Data matching’ is the process of comparing your personal information with publicly available information and/or with information held by a reputable entity ANZ has an ongoing relationship with in order to better enable us to carry out any of the above purposes.
ANZ may disclose your information to carefully selected third parties for the purposes of data matching, provided those third parties are subject to an obligation of confidentiality.
ANZ may obtain information and make such enquiries about you as ANZ may consider warranted from any source including the ANZ Group and credit reference agencies for the above purpose.
ANZ may disclose information about you to credit reference agencies for the purpose of obtaining credit reports on you. Those credit reference agencies may retain that information and provide it to their customers who use their credit reporting services. If you default in any obligations to ANZ, then ANZ may disclose information about you to credit reference or debt recovery agencies and it may be retained by them. Those agencies may provide that information to their customers who use their credit reporting services.
ANZ may also disclose account information to any signatory to your accounts.
If you are under 18 years old, ANZ may contact your parent(s)/guardian(s) to disclose, or to collect, information about you that will help ANZ contact you, or to obtain repayment of any amount you owe ANZ.
Our security standards are maintained and our technology regularly updated to provide protection for the information we hold. We do not sell, publish or give away your information.
Certain laws also require ANZ to disclose your information on request, for example the Tax Administration Act 1994. If ANZ receives a request from certain agencies to release your information, ANZ may not able to tell you that the request has been received. ANZ may also disclose information to the police, certain government agencies or other financial institutions where ANZ reasonably believes that the disclosure will assist in the investigation, detection and/or prevention of fraud or other criminal offences, such as money laundering. ANZ and ANZ Group is subject to anti-money laundering and terrorist financing legislation in force in New Zealand, Australia and other countries. You agree to provide all information to ANZ which it reasonably requires to comply with these laws. Anti-money laundering and terrorist financing legislation in force in New Zealand, Australia and other countries may also prohibit us from entering or concluding transactions which involve certain countries, persons or entities. As a result, you agree that ANZ, and ANZ Group may:
- delay or block any transaction, or refuse to pay any money, without incurring any liability
- disclose information concerning you or the transaction to the New Zealand Police or the Australian Federal Police or any relevant authority in any country in order to ascertain whether the laws in that country apply to a transaction or otherwise in compliance with those laws that aim to prevent and detect terrorist financing or money laundering, in the reasonable belief that the transaction may contravene those laws, and ANZ and ANZ Group will not incur any liability to you as a result of that action.
In this section, "money laundering" includes any dealing with the proceeds of criminal activity and any dealing with funds or assets of any person or entity suspected of involvement in terrorism or any terrorist act.
A cookie is a small text file that can be stored on your computer when you visit a website. A web server sends you a cookie and your browser accepts it. The browser then returns the cookie to the web server next time you visit that particular website.
ANZ uses MediaMind ("Advertising Company") to deliver its online advertising where ANZ banner advertisements are placed on third party websites.
When you view an ANZ advertisement on a third party website, the Advertising Company uses "cookies" (see explanation above) and 'iframes' to collect information such as:
- the server your computer is logged onto,
- your browser type,
- the date and time of your visit and
- the performance of their marketing efforts.
When you access the ANZ website after viewing an ANZ advertisement on a third party website, the Advertising Company collects information on how you utilise the ANZ website, such as which web pages you view.
The Advertising Company and Tracking Companies use this information to perform statistical analysis of aggregate user behaviour, but this analysis is not based on personal information. ANZ uses this analysis to measure advertising effectiveness and relative consumer interest in the various areas of the ANZ website and to present relevant advertising on anz.co.nz and other web sites where we advertise. ANZ may disclose the information collected by the Tracking Companies, in an aggregate (not personal) form only, to third parties including advertisers or potential advertisers.
For more information about MediaMind see the links below:
For more information about Omniture see the links below:
For more information about Google Analytics see the below links:
While this web site is maintained by Australia and New Zealand Banking Group, all information included on this web site is prepared by ANZ. All products and services described on this web site are offered by ANZ to New Zealand residents only, and ANZ is responsible for the material contained on this web site.
This website is governed by, and is to be interpreted consistently with, New Zealand law.
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For additional information on other Reuters Services please visit the Reuters public website.