Terms & Conditions

We process personal information responsibly and only when necessary to provide products, services, or complete transactions. "Processing" includes collecting, using, storing, sharing, updating, or destroying personal information. By using our services, products, or platforms, you consent to the processing of your personal information in accordance with this Privacy Policy, which may limit certain rights. This policy applies globally across all our company entities and may be updated from time to time; the version displayed on our website will apply.

Personal Information

Personal information includes any data that identifies or relates to you, such as contact details, identification numbers, financial, employment, health, biometric, demographic, and personal preference information, as well as opinions about you. Certain information, such as race, health, biometric data, trade union membership, and criminal history, is classified as special personal information and is subject to stricter legal protections.

When We Process Information

We only process personal and special personal information when it is lawful and necessary, including where:

• You or an authorised party have given consent
• It is required to perform or conclude a contract
• The law permits or requires it
• It is necessary to protect legitimate interests

Special personal information is processed only under specific legal circumstances, such as consent, employment requirements, legal obligations, research, insurance assessments, or where the information has been made public by you.

Sources of Information

We collect personal information directly from you, from your interactions with us, from integrated third-party platforms, and from authorised third parties such as employers, partners, service providers, financial institutions, insurers, regulators, and law enforcement agencies, where legally permitted.

Purposes of Processing

Your personal information may be processed to:

• Provide and manage products and services
• Communicate with you and respond to enquiries or complaints
• Meet legal, regulatory, and compliance requirements
• Conduct research, analysis, and product development
• Process payments and deliver documents or goods
• Verify identity, ensure security, and prevent fraud
• Conduct marketing, customer satisfaction surveys, and loyalty programmes
• Provide insurance, assurance, lending, and value-added services

Marketing

We may use your personal information to market financial and non-financial products and services via various communication channels. Where required by law, marketing communications will only be sent with your consent. You may opt out of marketing at any time.

Sharing & International Transfers

We only share personal information where consent is given, required by law, necessary for contractual performance, or to protect legitimate interests. As a global organisation, your information may be shared within our group or transferred internationally, provided appropriate legal safeguards are in place to ensure adequate protection.

Your Rights & Responsibilities

You have the right to:

• Request confirmation and access to your personal information
• Request correction or deletion of inaccurate or unlawfully held information
• Object to certain processing activities
• Withdraw consent (where applicable)
• Lodge a complaint with us or the relevant regulator

You must provide proof of identity when exercising these rights and notify us of changes to your personal information. Certain legal or contractual obligations may limit these rights. Further details are available in our PAIA Manual.

Data Security & Retention

We implement appropriate technical, physical, and organisational security measures in line with industry best practices and international ISO standards to protect personal information. Information is retained only for as long as required by law, contract, consent, research, or legitimate business purposes, even after a relationship has ended where legally necessary.

Cookie Policy

We use cookies to personalise user experience, identify returning users, improve website functionality, conduct analytics, and prevent fraud. By using our websites or applications, you consent to the use of cookies on your device.