Privacy

ING DIRECT only collects such personal information as is necessary to manage your account and to communicate with you about ING DIRECT and the products and services we offer. We also collect any personal information necessary for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

By completing your ING DIRECT application form you consent to our use and disclosure of your personal information as outlined in this privacy statement.

In managing your account, there may be occasions where we need to disclose your personal information to:

1. Other financial institutions
   To other financial institutions, such as banks, credit unions and building societies, in order to set up and manage your account and manage banking transactions.
2. Other organisations
   Other ING Group entities and third parties, such as:
   - ING Group companies in order to service other ING products you may have within the Group and portfolio analysis. You can choose not to have us disclose your personal information to ING Group companies for this purpose by contacting us directly, however please be aware that we may then be unable to provide particular products or services which require this disclosure, such as managed investment products;
   - Organisations undertaking reviews of the accuracy and completeness of our information;
   - Authorised organisations providing confidential mailing services, maintenance of our information technology systems, and printing of our standard documents and correspondence;
   - Organisations providing analysis and research to ING DIRECT regarding our products, services and customer relationships;
   - Our solicitors, valuers and insurers for our loan products; and
   - Credit reporting or information verification agencies in order to obtain and provide details of credit history or status or to verify other information about you including your identity.
   
   We only disclose personal information to such organisations for the provision of the specified services.
   
   Personal information will only be disclosed to other third parties if we are permitted, authorised or required to do so by law; you have authorised us to do so; or it is necessary to assist with law enforcement.

You may request access to the personal information that we hold about you, your account(s) and any other ING products or services by contacting us directly or by contacting the ING Privacy Officer at GPO Box 75, Sydney, NSW, 2001. Requests for access to your personal information may only be made by you.

We may provide you with further information about ING products and services. You may elect not to receive further information about ING products and services by calling, writing to us or contacting us online.

If you have provided an email address to us, we may contact you using that email address, including to provide you with information about ING DIRECT or our products. You may elect not to receive further information about ING DIRECT or our products by calling, writing to us or contacting us online.

ING DIRECT relies on the accuracy of information that you supply to us. If any of your personal information is incorrect, has changed or requires updating, please assist by either:

• updating your details in the 'Change My Details" section found in your menu selection after you log in.
• Contacting us by phone with your client number ready.

ING DIRECT, like most major websites, use cookies to record aggregated statistics on the number and source of visitors to our website. Cookies are files that web servers place on a user's computer and are designed to store basic information such as how you found our website. We never store any personal customer information in cookies.