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PRIVACY POLICY

We are committed to protecting your privacy.

We are bound by the Privacy Act 1988 (Cth) and must protect your personal
information according to that Act and other applicable laws, such as the Spam
Act 2007 (Cth) (‘Privacy Laws’). 

This is only a summary of our Privacy Policy. Download a copy of our
full Privacy Policy (PDF), view the full Privacy Policy online, or contact
us for a free printed copy.

What kinds of personal information do we collect and hold?

When you apply for, register your interest in, or enquire about a product or
service, we collect information that is reasonably necessary to be able to
provide you with those products or services. For instance, we may ask for
identification information such as your name, address and date of birth.

Why do we collect, hold, use and disclose personal information?

The main reason we collect, use, hold and disclose personal information is so we
can provide you with products and services (including where applicable, third
party products and services) and to help us run our business. This may include:

 * checking your eligibility for the product or service;
 * assisting you where online applications are not completed;
 * providing you with the product or service;
 * helping you manage the product or service;
 *  helping us develop insights and conduct data analysis to improve the
   delivery of products and services, enhance our  customer relationships and
   effectively manage risks; and
 * understanding your interests and preferences so we can tailor digital
   content.

How do we collect personal information?

We collect most personal information directly from you whether in person, on the
phone or electronically, for example when you visit our websites, online banking
services or use our mobile or tablet applications;

Sometimes we collect personal information about you from other people or
organisations, for example from other Westpac Group companies, publicly
available sources of information and credit reporting bodies or service
providers, such as companies that provide fraud prevention reports.

BT Surveys

BT engages with a number of external research partners to conduct market
research surveys. These provide an opportunity to give feedback on your
experiences with BT, as well as identify areas of improvement. Your
participation in these surveys is voluntary, and you can choose to opt out at
any time.

BT external research partners will NEVER ask you to disclose personal details
such as:

 * Your date of birth
 * Your credit card number or expiry date
 * Your account numbers or account balances
 * Your driver's licence number
 * Your passwords or PIN
 * Your address.

Please do not provide any of the above information to anyone claiming to be from
BT (either via phone call, email, SMS or other message type).

How do we hold and protect your personal information?

Much of the information we hold about you will be stored electronically in
secure data centres located in Australia. We also store information in other
Westpac Group secure data centres or the data centres of our contracted service
providers (including cloud storage providers),  and some of these data centres
may be located outside Australia.

We use a range of physical, electronic and other security measures to protect
the security, confidentiality and integrity of the personal information we hold
both in Australia and overseas.

Who do we disclose your personal information to, and why?

We may share your personal information with other Westpac Group companies.
Sometimes we may disclose your personal information to organisations outside the
Westpac Group who help us deliver or support our provision of products and
services to you. For example our agents, contractors and contracted service
providers, insurers, and credit reporting bodies.

Do we disclose personal information overseas?

We may disclose your personal information to a recipient located outside
Australia. For example, this may include the following:

 * Westpac Group companies;
 * our contracted service providers operating overseas; and
 * organisations operating overseas with whom we partner to provide goods and
   services and who are likely to be located in the United States.

Do we use or disclose personal information for marketing?

We may use your personal information to directly offer you products and services
that we believe may be of interest and value to you, but we will not do this if
you tell us not to. These products and services may be offered by a member of
the Westpac Group or one of its preferred suppliers by various means, including
by mail, telephone, email, SMS or through social media or targeted advertising
through Westpac Group or non-Westpac websites or our online banking services.

When we market products and services to you, we will comply with applicable
Privacy Laws to obtain your consent if required.

If you do not want to receive marketing offers from us, please contact us using
the contact details or opt-out facility provided to you.

Access to and correction of personal information

You can request access to the personal information we hold about you. You can
also ask for corrections to be made. To do so, please contact us.

Resolving your privacy concerns and complaints – your rights

If you have a question or complaint about how your personal information is being
handled by us, our affiliates or contracted service providers, please contact us
first using the contact details provided below.

If you are unhappy with our response, you can contact our Westpac Group Customer
Advocate who can conduct an independent review of your matter at
customeradvocate@westpac.com.au. 

Under the Privacy Act you may complain to the Office of the Australian
Information Commissioner (OAIC) about the way we handle your personal
information. Please note the OAIC requires any complaint must first be made to
the respondent organisation. The law also allows 30 days for the respondent
organisation to deal with the complaint before a person may make a complaint to
the OAIC.

The Commissioner can be contacted at:
Office of the Australian Information Commissioner

GPO Box 5218 
Sydney NSW 2001
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
www.oaic.gov.au

The Australian Financial Complaints Authority (AFCA) can consider certain
privacy complaints relating to either the provision of credit or credit
reporting information in general. The contact details for AFCA are:

Australian Financial Complaints Authority

Online: afca.org.au

Email: info@afca.org.au 

Phone: 1800 931 678 (freecall)

Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001




CONTACT US

You can contact us by:

 * calling 132 135 – call centres are open 8:30am – 5:30pm, Monday - Friday from
   anywhere in Australia;
 * online at bt.com.au  – using our secure feedback form to provide feedback,
   share your suggestions, or provide a complaint or compliment; or
 * write to us at Reply Paid 5265, Sydney NSW 2001. 



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 * About BT
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 * Contact us
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BT phone number: 132 135
Mon-Fri 8:30am-5:30pm (AEST)


The information shown on this site is general information only, it does not
constitute any recommendation or advice; it has been prepared without taking
into account your personal objectives, financial situation or needs and you
should consider its appropriateness with regard to these factors before acting
on it. Any taxation position described is a general statement and should only be
used as a guide. It does not constitute tax advice and is based on current tax
laws and our interpretation. Your individual situation may differ and you should
seek independent professional tax advice. You should also consider obtaining
personalised advice from a professional financial adviser before making any
financial decisions in relation to the matters discussed hereto.

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