http://www.mutualalliancebank.com

At Mutual Alliance Bank your privacy has always been important to us. We comply with the National Privacy Principles (new privacy laws which apply from 21 December 2001) as well as our existing obligations of confidentiality, the Code of Banking Practice and the credit provider provisions in the Privacy Act.

This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It also provides some detail about your privacy rights along with our general rights and obligations and our policy in relation to the personal information we keep on record.

When you apply for a new product or service, the application form includes notices about privacy and requests for consent. Those privacy notices (called privacy statements) specify in more detail how any information about you may be used and disclosed in relation to the particular product or service.

When you apply for or use one of our products or services, you consent to us collecting, maintaining, using and disclosing personal information about you and provided by you or by another person in accordance with the privacy statement in the application form and this policy.

This privacy policy does not apply to parties that may be linked or associated with our website. Those website owners are responsible for the privacy of the information they collect and should be contacted directly for details of their privacy policies.

• The types of information we keep on record will depend on the type of product or service requested by you.
• Generally, we keep a record of one or more of the following types of information about you:
• information that identifies you, such as your name and address and other information provided by you and people nominated by you;
• if you apply for a loan or credit card or guarantee another persons loan, credit information about you and property reports about any property which secures your obligations to us;
• if you apply for insurance, information about what is being insured (including health information about you, your income and occupation if you are requesting life, health or accident insurance), information about your beneficiaries and information about property owned by you if you are requesting some type of property insurance; account transaction information including credits and debits or claims information for insurance products.
• All information sought is required for our business purposes, which are detailed generally in this privacy policy and more specifically in our application forms or on the web pages which allow you to contact us.
• We do not actively seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the National Privacy Principles.

Sometimes we act as an agent for others when collecting information about you, such as for our preferred insurance companies. We will tell you when we do this.

During the course of our relationship with you, we may gather information about you relating to all products and services that we or other members of the Mutual Alliance Group or our preferred suppliers provide to you. This information is used to help us form views about how we can improve our relationship with you.

• We collect and hold information about you when you:
• complete an online application or other type of form;
• provide us with your email address; or
• access and use our services through our website.

We also collect some statistical information about visitors, from our website (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded). Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website performance and continually improve our services.

Other than statistical information, we do not collect any information about you through our website unless you provide the information to us.

Generally, we only collect personal information about you from you, unless it is not reasonable or practical for us to do so or you consent. For example, you may authorise us to collect information from a third party, like your employer to confirm your income details, or we may engage an agent, such as a mortgage broker, to collect information on our behalf, or you may be named as a referee or beneficiary in another application for one of our products or services. We may also collect information about you from other members of the Mutual Alliance Group or from publicly available sources such as company registers or land title registries.

respond to your request or help us process your application for our products or services (including performing the identity check required by the Financial Transaction Reports Act 1988, and a needs analysis in relation to insurance, where necessary);

effectively manage and administer all products and services we provide to you including banking, treasury, financial planning and insurance products and services (for example we may use your email address to communicate with you about the services we provide to you);  assess, process and investigate claims made under any insurance products we provide to you; and

ensure our internal business operations are running smoothly which may include fulfilling legal requirements and conducting confidential systems maintenance and testing.

When we request your information we may give more specific details about the way we use your information.

Usually we must get your consent before we tell anyone about you, your accounts or your credit information. You can give us your consent expressly or it may be implied by your conduct.

Sometimes the law requires us to give out information about you. For example, we must tell the Australian Tax Office how much interest we pay you. Another example is giving your account details to a court if we are ordered to do so under a subpoena.

Depending on the product or service that we provide to you, if it is necessary we may also disclose your personal information to:  our external service providers (which may be located overseas) for the purposes of our business, for example organisations that provide card authorisation, clearing and settlement services (such as Visa or Mastercard), our lenders’ mortgage insurer, claims investigators, mailing houses, property valuers, surveyors, auctioneers and real estate agents. Information is only disclosed on a confidential basis.

other persons who have an interest in any property offered to Mutual Alliance Bank as security;  any party acquiring an interest in any business or your credit or loan account and any related securities provided by you or any other person; government agencies in connection with your loan, such as for stamping and registration of mortgages;  any organisation which you request us to or any persons acting on your behalf, including your financial adviser, broker, solicitor, or accountant - unless you tell us not to, referees, any person with whom you transact (for example merchants, to process your transactions) or any financial institution nominated by you (for example in a direct debit).

Any referees, any person with whom you transact (for example merchants, to process your transactions) or any financial institution nominated by you (for example in direct debit).

We will not disclose your health information or information about your medical history unless you tell us to.

We may at other times give you more details about our disclosure practices in relation to specific products or services - for example on the forms we use to collect personal information about you.

Your personal information may also be used by Mutual Alliance Bank or other members of the Mutual Alliance Group to help assess your total relationship and product holding within the Mutual Alliance Group, analyse products and services, evaluate the needs of our customers and develop new products.

We may also provide access to your personal information to members of the Mutual Alliance Group to inform you of products and services offered by any member of the Mutual Alliance Group or preferred organisations which we think may be of interest or value to you. If you tell us or have previously told us that you do not wish to receive such information, then it will not be sent to you. Your health information or information about your medical history will not be disclosed to other members of the Mutual Alliance Group for this purpose.

We may amend this policy from time to time. Not all changes to our privacy policy will require your consent, for example where office security procedures are changed. We will notify you of any change to our information handling policy that requires your consent before being implemented.

You need not give us any of the personal information about you or any other person which may be requested in our communications with you. However, without that information, we may not be able to process an application, fulfil your request or provide you with an appropriate level of service.