Whenever it is reasonable and practical to do so, we collect
information about you directly from you. In some cases, we collect
personal information from third parties including public sources, our
related companies, referrers, brokers, agents, your adviser(s) and our
service providers including credit reporting bodies and information
We collect personal information about you which is reasonably necessary to:
provide you with quality products or services
consider applications and approaches you make to us
maintain your contact details
fulfil our legal obligations under applicable laws and rules,
such as those relating to taxation and Anti-Money Laundering and
We generally hold personal information relating to:
the products and services we provide or have provided to you
your financial interests and sometimes your financial position, if you are a customer or potential customer of ours
your name, contact details and identification information (including government-issued tax numbers)
records of our interactions with you, including by telephone, email and online
your enquiries or complaints.
We do not generally collect sensitive information about you
unless required by applicable laws or rules. Sensitive information
includes information relating to:
political or religious beliefs
membership of professional or trade associations or unions
We collect health information where we offer products with an
insurance component to our customers or in assessing certain claims
including hardship. We do not use or share that information for any
purpose other than the underwriting or administration of a customer's
policy, claim or account, or as otherwise disclosed to the customer when
the information was collected.
We may collect information about your affiliation with certain organisations such as professional associations.
We also have a Credit Information Policy
which sets out details of our handling of personal information obtained
from credit reporting bodies. This applies primarily in connection with
our credit products such as credit cards and loans.