Disclosures

General

The terms of this disclaimer (hereinafter referred to as “Disclaimer”) apply to this web site of ANZ Bank (Vietnam) Limited “ANZ”. Please read this Disclaimer carefully.

By accessing this web site and/or using the information provided on or via this web site you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer, the conditions specific to such products and services shall prevail.

This webpage is primarily intended for those who access it from within Vietnam. Products and services referred to in this webpage are offered only in jurisdictions where and when they may be lawfully offered by ANZ. The material on this webpage is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us.

For your convenience, hyperlinks to other ANZ group websites may be included. The products and services offered on these websites may be limited to persons located or residing in only that particular jurisdiction. The content of these websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content. The terms and conditions governing the use of the website of each ANZ Group entity may differ and you should read the applicable terms and conditions.

The materials contained in the website should not be regarded as an offer, solicitation or recommendation to any person in a jurisdiction to buy or sell investments products to or take deposits from that person if it is unlawful to make such an invitation, offer, solicitation or recommendation in such jurisdictions.

Use of this website

The information provided on or via this web site should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.

Although ANZ attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, ANZ makes no warranties or representations, express or implied, as to whether information provided on or via this web site is accurate, complete or up-to-date.

ANZ controls and maintains this web site from Vietnam and makes no representation that the information provided on or via this web site is appropriate or available for use in other locations. If you use this web site from other locations, you are responsible for compliance with applicable local laws.

ANZ does not represent or warrant that this web site functions without error or interruption.

Use of this web site that may hinder the use of other Internet users, that can endanger/jeopardise the functioning of the web site and/or affect the information provided on or via this web site or the underlying software, is not permitted.

Third party information, products and services

Where ANZ provides hypertext links to third party web sites, such links are not an endorsement by ANZ of any products or services provided on or via such web sites. The use of such links is entirely at your own risk and ANZ accepts no responsibility or liability for the content, use or availability of such web sites. ANZ has not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such web sites.

Intellectual property

ANZ, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without the prior written consent of ANZ or the appropriate consent of the owner. However, you may print and/ or download information contained on this web site for your own personal use.

Communication on line

Messages that you send to ANZ by e-mail may not be secure. ANZ recommends that you do not send any confidential information to ANZ by e-mail. If you choose to send any messages to ANZ via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of liability

Neither ANZ nor any of its directors, employees, representatives, agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if ANZ is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this web site, (ii) the information provided on or via this web site, (iii) the interception, modification or misuse of information transmitted to ANZ or transmitted to you, (iv) the functioning or non-availability of this web site, (v) the misuse of this web site, (vi) the loss of data, (vii) downloading or use of any software made available by this web site, or (viii) claims of third parties in connection with the use of this web site.

Applicable law

This web site and its Disclaimer shall be governed by and construed in accordance with the laws of Vietnam. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Vietnam.

Amendments

ANZ reserves the right to change the information provided on or via this web site, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this web site, including the terms of this Disclaimer, periodically for changes. 

About this security and privacy statement

This Security and Privacy Statement applies to this website which is operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name "www.anz.com" ("ANZ website"). The ANZ website is operated 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.

This Security and Privacy Statement may also apply to services offered by ANZ on websites hosted by third parties. If so, express reference to this Security and Privacy Statement will be made on those websites.

ANZ understands and appreciates that you, as an ANZ 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 ANZ Security and Privacy Statement explains how your personal information will be treated as you access and interact with the ANZ website.

As the ANZ website develops and as technology evolves, ANZ will continue to strive to provide you with better and more customised services and with a more effective website. ANZ encourages you to review the Security and Privacy Statement periodically because the Security and Privacy Statement may change from time to time.

The ANZ Privacy Policy explains how ANZ generally protects your privacy and confidentiality. The principles set out in the ANZ Privacy Policy also apply to ANZ websites.

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 ANZ website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on the ANZ 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.

Security of information

ANZ takes reasonable steps to preserve the security of cookie and personal information in accordance with the ANZ 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.

Security assurance

• ANZ is committed to preventing online fraud. We endeavour to protect your interests by maintaining high standards of security. But we need your help as well. For security reasons you should ensure that your bank account details remain private at all times. Do not knowingly or accidentally share, provide or facilitate unauthorised use of your details by others. In the unlikely event that your account is used in an unauthorised manner through no negligence, fault or fraud on your part, ANZ will compensate you for the full amount of the unauthorised transaction or transactions.

• Your unique User ID and Internet Banking Password should be kept secure and remain confidential at all times. Do not share your confidential information at any time with anyone. We do not recommend keeping a written record of your User ID and Password. However if you do choose to keep a record you should ensure they are kept confidential, in a secure place. ANZ will never ask you for your Internet Banking Password – only you should know this information. Take care when choosing your unique User ID and Password. Avoid using identifiable information such as all or part of your name, address, telephone number or birthday. You must inform ANZ immediately if you believe, or have reason to believe, that your User ID and/or Password has been disclosed to a third party, is lost or stolen and that unauthorised transactions may have been conducted as a result. 

Information collected

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

If you visit an unsecure area of the ANZ 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.

The ANZ website offers a number of interactive facilities including tools such as budget planners and home loan calculators, as well as online surveys and 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 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.

If you decide to complete an online application form or online survey, the information that you enter into the online form or survey will only be collected by ANZ if you submit your online application or survey. If at any stage you cancel your application or log out prior to submitting your application or survey, the information you have entered up to that point will be automatically deleted. You can suspend and save online applications. 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 ANZ website also contains links to the websites of third party providers of goods and services ("Third Party websites"). If you have accessed Third Party websites through the ANZ website and if those third parties collect information about you, ANZ may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from the ANZ website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.

Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Collection of IP addresses

It is necessary for ANZ to collect your IP address for your interaction with various parts of the ANZ website. Your IP address is the identifier for your computer when you are using the internet.

For instance, ANZ collects and stores your IP address when you log into ANZ Internet Banking. As part of our security for ANZ Internet Banking, ANZ uses this information when we attempt to detect and prevent fraudulent transactions in Internet Banking. We store your IP address for security and audit purposes. Your IP address will not be used by us or released to any third party except in the case of security, inappropriate behaviour or fraud issues, such as unauthorised access to your or our computer systems or fraudulent transactions.

Advertising and tracking

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 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 (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 the ANZ website:

• Nielsen//NetRatings;
• Omniture.

('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 the ANZ 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 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 the ANZ website.

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.

ANZ uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits the ANZ 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 the ANZ website;
• to identify pages you have accessed and Third Party websites you have accessed; and
• for security purposes.

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

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

ANZ also uses cookies for secure services (that is, an area where ANZ uses encryption) on the ANZ website. 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 ANZ website that require cookies in order to participate. Those services include (but are not limited to):

• Online applications;
• Online surveys.

You may still be able to use some information-only pages even if you do not accept cookies.

How we handle email

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.

Use and disclosure of information

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 ANZ website and as otherwise set out in this Security and Privacy Statement.

Acceptance and changes to security and privacy statement

You acknowledge and accept that your use of the ANZ website indicates your acceptance of the ANZ website 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 ANZ website published on the ANZ website to date. ANZ may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the ANZ website. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.