Privacy declaration - Value+ credit card

We understand how important the privacy of your personal information is to you and we are committed to ensuring the confidentiality of your personal information.

We collect and use your personal information for the primary purpose of:

• opening an account for you
• assessing an application by you for a product or service
• providing you with the product or service that you have requested

We may use or disclose your personal information for purposes related to the main purpose for which we collect it, such as:

• administering, monitoring, evaluating and managing the product or service you have with us
• internal accounting and administration
• providing you with information about other products and services offered by us or a related company of us
• complying with regulatory requirements
• managing our relationship with you
• protecting you and us from error or fraud

We may disclose your personal information to a related company of ours, but it will still remain confidential. This will allow them to tell you about products and services offered by them that may be of interest to you.

We may also disclose your personal information when we contract out some of our functions to external service providers who conduct specific activities for us, such as mail-outs, however, the information remains (between them and us) our property and the external service provider will be subject to strict confidential and non-disclosure obligations.

We can do any of the following at any time:

• seek and use commercial credit information about you to assess an application for consumer credit or commercial credit
• seek and use consumer credit information about you to assess an application for commercial credit or consumer credit
• seek and use a credit report about you provided by a credit reporting agency to collect overdue payments from you
• seek from and use or give to another credit provider any information about your account, credit worthiness, credit standing, credit history or credit capacity. In particular, we may provide a credit opinion on you
• seek from and use or give to any accountant, lawyer, or other adviser acting in connection with any financing provided or proposed to be provided to you any personal information, consumer or commercial credit information
• give to a credit reporting agency personal or commercial information about you

The information may include: identity particulars; the fact that credit has been applied for and the amount; the fact that we are a current credit provider to you; payments which become overdue more than 60 days and for which action has commenced; advice on payments being no longer overdue; advice that cheques drawn by you have been dishonoured more than once, in specified circumstances that in our opinion you have committed a serious credit infringement; and that credit provided to you by us has been paid or otherwise discharged. If you do not provide personal information, we may be unable to arrange credit for you.

NPBS respects your privacy

You may request not to receive further marketing information by calling us on 13 19 87.