Account Owner Personal Information Notice

This notice relates to the information you are now providing to Bank of New Zealand and/or its related companies (as defined in the Companies Act 1993) ("BNZ"); any insurance organisation (including any insurance underwriters or agents) used in relation to the Loan; and any other party that we notify you of in the future (together the "Parties"), or which the Parties may hold now or in the future.

1. The Privacy Act 1993 gives you the right to see and correct your personal information.
2. Your information may be disclosed to other members of the BNZ, any person that has given a guarantee or other security for the Account Owner's obligations to BNZ and any insurance underwriters or agents used in relation to the Loan.
3. You agree that BNZ, and any other BNZ Company, can collect information from you and use that information to help any BNZ Company comply with any laws, rules or regulations in New Zealand or overseas. You agree to supply any information requested by any BNZ Company to help BNZ, or any other BNZ Company, comply with any such laws, rules or regulations in New Zealand or overseas. You also agree that any BNZ Company can share any information about you and your accounts with any government body or agency in New Zealand or overseas (including any tax authorities) to help the BNZ Company comply with any laws, rules or regulations in New Zealand or overseas.
4. This information may be used by the Parties to advise you of products, services, promotions or other information that may or may not be related to the Loan; develop or begin a relationship with you; and/or contact you on behalf of one of the other Parties. This may involve, amongst other things, contacting you via email, text message or an online facility (without an unsubscribe facility), or by telephone or post.
5. In respect of opening and reviewing accounts, applications and offering you relevant products and services, you authorise the Parties to make credit reference checks and other enquiries within their normal procedures. For this purpose, the Parties may seek information about you from any source. You also authorise the collection and disclosure of all information relevant to your accounts from/to any credit reporting agency. Credit reporting agencies may use information disclosed by the Parties to update their credit reporting database, and disclose any information that they hold about you to their own customers as permitted under the Credit Reporting Privacy Code. In addition, the Parties may use any service provided by its credit reporting agencies to receive updates of the information it holds about you. If you are in default under any loan or facility from the Parties, the Parties are authorised to disclose all relevant information about you to, and for the use by, credit reporting agencies, debt collection agencies and law firms.
6. If you do not wish to provide all the information requested, we will explain the possible consequences to you.