Security and privacy statement

About this Security and Privacy Statement

Esanda is a division of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") and Esanda adheres to ANZ's Privacy Policy. This policy sets out how ANZ and its related bodies corporate generally handle your privacy. The principles set out in the ANZ Privacy Policy also apply to this web site.

This Security and Privacy Statement applies to this web site which is operated by ANZ, trading as Esanda under the domain name "" ("Esanda web site").

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

Esanda understands and appreciates that you, as an Esanda web site visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. Esanda is committed to protecting your privacy. This Esanda Security and Privacy Statement explains how your personal information will be treated as you access and interact with the Esanda web site.

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

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

Esanda takes reasonable steps to preserve the security of cookie and personal information in accordance with the Esanda web site 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, Esanda currently uses 128 bit SSL encryption.

Esanda regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although Esanda strives to protect such information, Esanda 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.

Information collected

The information that we will collect about you will depend on how you use the facilities offered by the Esanda web site.

If you visit an unsecured area of the Esanda web site, (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 Esanda web site offers a number of interactive facilities including tools such as budget planners and home loan calculators, as well as online application forms.

If you use any of the tools such as the car loan repayment calculator, we generally do not capture any personal information that you may enter when using these tools.

If you decide to complete an online application form, the information that you enter into the online form will only be collected by us if you submit your online application or elect to save your online application. If at any stage you cancel your application or log out prior to submitting or saving your application, the information you have entered up to that point will be automatically deleted. If you 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.

The Esanda web site also contains links to the web sites of third party providers of goods and services ("third party web sites"). If you have accessed third party web sites through the Esanda web site and if those third parties collect information about you, Esanda may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a third party web site from the Esanda web site, 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 web sites should contain their own privacy statements and those third parties are responsible for their own privacy practices.


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 web site.

A "cookie" is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our web page servers. Cookies are frequently used on web sites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

Esanda use cookies for two different purposes. We allocate a cookie to each Internet browser that visits the Esanda web site. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

  • to allocate an Esanda identification number to your Internet browser (but we cannot identify you from this number)
  • to determine if you have previously visited the Esanda web site
  • to identify pages you have accessed and third party web sites you have accessed
  • for security purposes.

Most of the Esanda web site operates by using this type of cookie.

Accordingly, if you wish to make full use of the Esanda Web Site, it is required that you accept cookies.

Esanda also uses cookies for secure services (that is, an area where you are required to log on) on the Esanda web site. 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 Esanda web site that require cookies in order to participate. Those services include (but are not limited to):

  • online applications
  • enquiry forms.

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

Advertising and tracking

Esanda uses Doubleclick International Asia BV to deliver its online advertising where Esanda banner advertisements are placed on third party web sites ("advertising company").

When you view an Esanda advertisement on a third party web site, 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 effort.

When you access the Esanda web site after viewing an Esanda advertisement on a third party web site, the advertising company collects information about how you utilise the Esanda web site (e.g. which pages you view) and whether you complete an online application.

In addition, Esanda also uses Omniture to collect information on how you utilise the Esanda web site. Omniture 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. Esanda uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of the Esanda web site. 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 Esanda 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.

To find out more about Omniture, you can access the Omniture Privacy Statement.

You can opt-out of DoubleClick cookies. This opt-out is applicable to DoubleClick tracking your current browser throughout DoubleClick's network of web sites, including the Esanda web site.

How do 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 Esanda 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 Esanda web site 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 Esanda web site indicates your acceptance of the Esanda web site 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 Esanda web site published on the Esanda web site to date. Esanda may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the Esanda web site. You accept that by doing this, Esanda has provided you with sufficient notice of the variation.