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Our Privacy Statement

Our privacy statement combines important information about how we handle your personal and credit-related information.


We’ve simplified the language to make it easier to understand what, how and why we collect, hold, and use this information and who we share it with and why.


Download a copy of our full Privacy Statement (PDF 234KB) or contact us for a free printed copy.


We’re also progressively updating our websites and apps (such as online banking), product and service terms and conditions, forms, and other documents with the simplified privacy information. 

Westpac Papua New Guinea Privacy Statement

Protecting our customers' privacy is fundamental to the way we do business. We are committed to earning and maintaining your trust by carefully and respectfully managing your personal information and credit-related information.


This Privacy Statement provides important information about how we collect and handle your personal information, including the purposes for which we collect and use your information and the types of organisations we share it with (some of which are located outside of PNG). It also explains how you can access and correct the personal information we hold about you, and how you can make a complaint about our handling of your personal information.

Why are we collecting your personal information?

Westpac Bank PNG Limited (the we, us, our or referred to as Westpac PNG) collects your personal information to provide you with products and services and to provide you with assistance and support.

We may collect or generate information based on your transactions, preferences and behaviours (including through use of our website and apps) so that we can tailor our digital content and products and services to you. For more information, see section 4.

With whom do we share your personal information?

We may share your personal information with members of the Westpac Group (including members of our group outside PNG) our Business Partners and other organisations that help us run our business and other entities described in section 8.

We use your personal information to send you offers

We will use your personal information to send you offers for products and services we believe may be of interest and value to you (including by email, SMS or other means) unless you have previously told us that you do not want to receive marketing offers from us. The products and services offered may be provided by us or by one of our third-party partners. If you do not want to receive direct marketing offers from us, you can contact us using the contact details set out below or follow the opt-out instructions in the message. For more information, see section 9.

If you are applying for a credit product or providing a guarantee

If you apply for a credit product, such as a credit card or mortgage, or provide a guarantee for a credit product, we will also collect your credit-related information to assess the application for credit and to manage the credit product. We will also share your information with credit reporting bodies. For more information, see section 10.  

Further information

For more information on how you can access and correct the personal information we hold about you, make a complaint, or the circumstances in which we share information to entities outside of PNG, please see the relevant sections below.

You do not have to provide us with your personal information or credit-related information

If you choose not to, we may not be able to process your application for a product or service, assist with your enquiries, provide all the features available for a product or service, or respond to any complaint to us.

Important information about our collection of your information

For most products and services

We collect and hold your personal information to help us run our business and serve you better, including to:

 

Purpose Examples of why we collect and hold your personal information
Provide our products and services and serve you as a customer
  • Provide you with and manage the products, services and programs you have with or via us
  • Provide and manage products, services and programs to our business, corporate and institutional customers and the use of the products and services by their customers
  • Answer your questions and resolve your complaints
  • Assist you when an online application is not completed
  • Assess your application (including eligibility) for a product or service or to participate in any of our programs or initiatives
  • Provide additional support to you in the application for and management of a product or service
  • Understand your interests and preferences so we can tailor our digital content and products and services for you.

We may collect sensitive information about you to:

  • Provide you with additional support to access or manage our products or services, including any specialist services, or if you are experiencing adverse circumstances, such as separating from a partner.
Security, verification and prevention of fraud/criminal activity 
  • Verify your identity
  • Verify aspects of your financial situation in connection with assessing your application
  • Prevent, detect and investigate suspicious, fraudulent, criminal or other activity that may cause you, us or others harm, including in relation to our products and services.
Legal and regulatory compliance
  • Comply with our legislative and regulatory requirements
  • Share information with law enforcement, regulators and government agencies, including foreign government agencies.

For credit products

If you apply for a credit product, obtain a credit product from us, are offering to act as a guarantor or acting as a guarantor in relation to credit, we also collect and hold your personal information for the following purposes (in addition to the purposes above): 

 

Purpose Examples of why we collect and hold your personal information
To help you obtain credit
  • Assess your application and establish your eligibility for credit;
  • Enable a proposed guarantor to assess whether they wish to act as your guarantor;
  • Obtain credit eligibility information about you from a credit reporting body to enable us to assess your credit worthiness (please see section 10 ‘Credit reporting and credit-related information’); and
  • If you are a proposed guarantor, to determine whether the borrower will be eligible for a loan if you act as a guarantor, take the guarantee, and administer that guarantee.
To manage your credit product  
  • Enable you to give a guarantee
  • Assist you in avoiding default
  • Manage your credit when you exceed your credit limit or are overdue in making one or more payments
  • Where applicable, we may collect sensitive information about you to assess any applications you make in relation to your ability to meet your payments. 
Lenders mortgage insurance or reinsurance (not relevant to guarantors) To enable us to obtain lenders mortgage insurance which protects the lender if a borrower is unable to meet their mortgage obligations. 
To manage our loan funding arrangements Implement and manage our loan funding arrangements including for example, through the practice of securitisation which is used by us for funding, capital and credit portfolio management.
To determine your eligibility to act as guarantor Assess your application to act as guarantor in connection with another person’s application for credit.

Our handling of your credit-related information

Credit-related information is a type of personal information. This section is to be read together with the rest of the Privacy Statement.


Credit-related information includes both credit information and credit eligibility information.

  • “Credit information” is personal information about the credit record of a borrower. It includes information that may have a bearing on credit that has been provided to you or that you have applied for, including credit for personal, investment or business purposes.
  • “Credit eligibility information” is information related primarily to your credit-related dealings with other credit providers and comprises of credit reporting information disclosed by a credit reporting body to us, and information we derive from that information.

Credit-related information that we collect, hold and use

The types of credit-related information we may collect, hold and use includes:

  • Identification information, including your name, gender, date of birth, residential addresses (past and present), email address, telephone number and mobile phone number, driver’s licence number, passport number, superannuation fund membership number and current and past employers
  • Consumer credit liability information, which includes details about consumer loans, credit cards and overdraft facilities, the dates on which they were opened and closed and their credit limits
  • Repayment history information, which includes details as to whether or not you have met your monthly repayment requirements under a consumer credit contract
  • Any payment arrangements entered into that are relevant in determining your repayment history information
  • A statement that an information request has been made to a credit reporting body in relation to you by us or another credit provider, a mortgage insurer or trade insurer
  • The type of credit you are applying for (or have applied for), and the amount of credit, included in an information request a credit provider has made to a credit reporting body
  • Default information or information regarding any other serious credit infringements, and our opinion about any such infringements
  • New arrangement information, which is when default information has been supplied to a credit reporting body and your consumer credit contract relating to that default information is subsequently varied or replaced
  • Payment information, which is when default information has been supplied to a credit reporting body and the overdue amount is paid
  • Information from a judgment of a court that relates to any credit that has been provided to you
  • Publicly available information that relates to your credit worthiness (e.g. court judgments, bankruptcy notices)
  • Credit eligibility information we receive from a credit reporting body and other information that has a bearing on your credit worthiness, such as a credit report
  • Any information we derive from credit eligibility information, for example, our own assessments of your credit worthiness.

How and why we use and share your credit-related information

If you apply for any kind of credit with us or offer to act as guarantor for any of our customers, we will share your personal information and your credit-related information with credit reporting bodies, and/or we will collect your credit-related information from credit reporting bodies. This is done for the purpose of determining your eligibility for credit (or your suitability to act as guarantor), and we may assess or rate your suitability for credit (or to act as a guarantor).

The information we access includes your repayment history information, which shows whether you have a history of making required payments on time (and whether any have been made after they are due).

Credit reporting bodies may include your personal information and credit-related information, including information we provide them in relation to the credit products you have with us, in reports that they provide to other credit providers to assist those providers in assessing your credit worthiness (such as when you have applied for a loan from the provider).

If you fail to meet your payment obligations in relation to the provision of credit, we will disclose this to credit reporting bodies. If you commit a serious credit infringement, such as obtaining credit by fraud, we may also disclose this to a credit reporting body.

We may also use your credit-related information to assist you if you are having difficulties in meeting your payments with us, or to assess whether to securitise your loans, or for mortgage products to enable a provider of lenders mortgage insurance to assess the risk of providing insurance. To facilitate these uses, we may share your credit-related information with potential securitisation and funding partners and providers of lenders mortgage insurance, including to assist them with administering those arrangements. For more information on how we use and share your credit-related information, and who we may share this information with, see section 8 and section 19.

Contacting the credit reporting bodies we use.

The credit reporting body that we use and its contact details appear below. For information on how it manages credit-related information, see its website.


Credit & Data Bureau

Website: https://www.cdb.com.pg/

Phone: +675 323 7333

Email: information@cdb.com.pg


Particular circumstances that may apply to you

Credit-related information is a type of personal information. This section is to be read together with the rest of the Privacy Statement.

Credit-related information includes both credit information and credit eligibility information.

  • “Credit information” is personal information about the credit record of a borrower. It includes information that may have a bearing on credit that has been provided to you or that you have applied for, including credit for personal, investment or business purposes.
  • “Credit eligibility information” is information related primarily to your credit-related dealings with other credit providers and comprises of credit reporting information disclosed by a credit reporting body to us, and information we derive from that information.

Credit-related information that we collect, hold and use

The types of credit-related information we may collect, hold and use includes:

  • Identification information, including your name, gender, date of birth, residential addresses (past and present), email address, telephone number and mobile phone number, driver’s licence number, passport number, superannuation fund membership number and current and past employers
  • Consumer credit liability information, which includes details about consumer loans, credit cards and overdraft facilities, the dates on which they were opened and closed and their credit limits
  • Repayment history information, which includes details as to whether or not you have met your monthly repayment requirements under a consumer credit contract
  • Any payment arrangements entered into that are relevant in determining your repayment history information
  • A statement that an information request has been made to a credit reporting body in relation to you by us or another credit provider, a mortgage insurer or trade insurer
  • The type of credit you are applying for (or have applied for), and the amount of credit, included in an information request a credit provider has made to a credit reporting body
  • Default information or information regarding any other serious credit infringements, and our opinion about any such infringements
  • New arrangement information, which is when default information has been supplied to a credit reporting body and your consumer credit contract relating to that default information is subsequently varied or replaced
  • Payment information, which is when default information has been supplied to a credit reporting body and the overdue amount is paid;
  • Information from a judgment of a court that relates to any credit that has been provided to you
  • Publicly available information that relates to your credit worthiness (e.g. court judgments, bankruptcy notices)
  • Credit eligibility information we receive from a credit reporting body and other information that has a bearing on your credit worthiness, such as a credit report
  • Any information we derive from credit eligibility information, for example, our own assessments of your credit worthiness.

How and why we use and share your credit-related information

If you apply for any kind of credit with us or offer to act as guarantor for any of our customers, we will share your personal information and your credit-related information with credit reporting bodies, and/or we will collect your credit-related information from credit reporting bodies. This is done for the purpose of determining your eligibility for credit (or your suitability to act as guarantor), and we may assess or rate your suitability for credit (or to act as a guarantor).


The information we access includes your repayment history information, which shows whether you have a history of making required payments on time (and whether any have been made after they are due).


Credit reporting bodies may include your personal information and credit-related information, including information we provide them in relation to the credit products you have with us, in reports that they provide to other credit providers to assist those providers in assessing your credit worthiness (such as when you have applied for a loan from the provider).


If you fail to meet your payment obligations in relation to the provision of credit, we will disclose this to credit reporting bodies. If you commit a serious credit infringement, such as obtaining credit by fraud, we may also disclose this to a credit reporting body.


We may also use your credit-related information to assist you if you are having difficulties in meeting your payments with us, or to assess whether to securitise your loans, or for mortgage products to enable a provider of lenders mortgage insurance to assess the risk of providing insurance. To facilitate these uses, we may share your credit-related information with potential securitisation and funding partners and providers of lenders mortgage insurance, including to assist them with administering those arrangements. For more information on how we use and share your credit-related information, and who we may share this information with, see section 8 and section 19.

Contacting the credit reporting bodies we use

The credit reporting body that we use and its contact details appear below. For information on how it manages credit-related information, see its website.

Credit & Data Bureau

Website: https://www.cdb.com.pg/

Phone: +675 323 7333

Email: information@cdb.com.pg

Particular circumstances that may apply to you

This section applies (in addition to the rest of the Privacy Statement) if we ask for, or collect, your individual Tax Identification Number (TIN). Please see the “Accessing and correcting your personal information and/or credit information” and “Resolving your privacy complaints” sections below to find out how to access your TIN, correct your details, or complain about our handling of your TIN or other personal information.

Why we collect your TIN

We collect your TIN in order to comply with legal and regulatory requirements including PNG Prudential Standards, for example, to meet customer identification procedures.

Who we share your TIN with

We only share your TIN where required or authorised to do so by legal and regulatory requirements and Prudential Standards, such as to PNG authorities or agencies. 

Further information about our handling of your personal information

The personal information  that we collect and hold about you will depend on the products and services we offer you and the nature of your interactions with Westpac PNG.

In the table below we list some examples of the personal information we collect and hold about you for most of our products and services:

For most products and services

Type of personal information Examples of what this may include
Personal and contact details Your name, date of birth, gender, signature (or finger or thumb print in certain circumstances), mailing and residential address details, telephone numbers, email addresses, and personal details relevant to any application for credit such as marital status, number and ages of dependents, citizenship and/or residency details, foreign tax residency status, employment details and status, salary details, work history and bank account and credit card information.
Government issued identification (copies) and identifiers Passport details, driver’s licence number, and copies of government identification documents. 
Imagery such as photographs, video and audio recordings Call recordings when you contact our call centres or branches, and security camera recordings when you visit our branches or offices or use our ATMs.
Sensitive information

Sensitive information is a category of personal information and includes information relating to your citizenship and residency status. In addition, it includes information we may collect about your health, medical history, racial or ethnic origin and criminal history in the limited circumstances described above under 'Why we collect your personal information'. 

Transactional information

Records of transactions you make using our products and services.

Interaction and behavioural information
  • Your interactions with us, including your queries or complaints
  • Pages viewed and browsing behaviour on our websites and applications
  • How you navigate through our websites and interact with our webpages, including fields completed in forms and applications.
Digital (or electronic information)

The date and time of your visits to our webpages, geographical information, information about the device used to visit our website (including your tablet or mobile device) such as device IDs and IP addresses, the date and time of accessing online banking and other digital services, and geolocation where you provide permission in your device settings.

We may also collect information from third party websites, applications or platforms containing our interactive content or that interface with our own websites and applications.

Publicly available information

Information available through public websites or public registers.

We may collect information about you from Westpac pages on social media platforms if you publicly comment but we will never ask you to supply personal information publicly over any social media platform that we use on which we have a presence and use, such as Facebook or Twitter.

 

For credit products

Type of personal information Examples of what this may include
Credit-related information  See the definition of ‘credit-related information’ in section 10 above which includes credit information and credit eligibility information.
Loan application information   Information about your assets, debts, income and expenditure.
Guarantor information  If you are a proposed guarantor for any of our products, we will collect your personal information from the prospective borrower(s). We will also collect your credit-related information.
Sensitive information

We may collect additional sensitive information about your health, medical history, racial or ethnic origin in the circumstances described above under ‘Why we collect your personal information’.