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ANZ Plus ConnectID T&Cs

11 June 2024

About these T&Cs

These are the terms that apply to Digital Identity Transactions you request through ANZ Plus.

When you consent to a Digital Identity Transaction using ConnectID, a contract is made between you and us on these terms. We call the terms of the contract the ANZ Plus ConnectID T&Cs.

The ANZ Plus ConnectID T&Cs are important. You should read them.

Digital Identity Platform

Digital Identity Transactions

At ANZ Plus, we offer a service (Identity Service) whereby you can request us to provide identity and attribute information (together Identity Data) about you to a third party service provider so that you can conduct business with that third party service provider (the Service Provider). Identity Data may include identity and attribute information such as your name, telephone number, email, date of birth or address.

This service is only available where the eligibility criteria have been met (read ‘Eligibility’), and where the Service Provider holds valid accreditation as part of the ConnectID Network (ConnectID Network).

The ConnectID Network facilitates the transfer of Identity Data on a bilateral basis between us and Service Providers (each a Digital Identity Transaction). The ConnectID Operator does not access or hold your Identity Data and the transfer of Identity Data occurs directly from us to the relevant Service Provider.

Any Digital Identity Transaction is at your request and option and for the purpose set out by the Service Provider, and any Identity Data will be provided to the Service Provider selected by you and with your express consent. If you do not provide your consent, we will not perform the Digital Identity Transaction.

Each Digital Identity Transaction is a one off-transfer of Identity Data, and any further transfers of Identity Data, including to the same Service Provider, will require further consent from you and a new Digital Identity Transaction.

Eligibility

We will only execute Digital Identity Transactions for you if:

  • you are an existing ANZ Plus customer with access to the ANZ Plus App;
  • you are at least 18 years old; and
  • we have verified your identity and certain core identity data (such as your name, telephone number, email and date of birth) within the prior 5 years.

Customer Acknowledgments

You acknowledge and agree that:

  • any Digital Identity Transaction requested by you using the Identity Service is governed by these terms as well as the terms you may have with the Service Provider in respect of the Digital Identity Transaction;
  • each time you request us to transfer your Identity Data to a Service Provider, you have ensured that the Service Provider’s request is valid and is made by a Service Provider that requires your Identity Data;
  • you will be asked by us to review the Identity Data to be transferred to the Service Provider, to verify its accuracy and expressly consent to such transfer;
  • if you suspect fraud in relation to your identity or your ANZ Plus accounts or your ANZ Plus App or any Digital Identity Transaction that you did not authorise, you must contact us immediately in accordance with the ANZ Plus and ANZ Save Accounts T&Cs;
  • where you consent to the transfer of Identity Data to a Service Provider:

    - we cannot control and are not responsible for the Service Provider’s security or handling of any of your Identity Data that has been transferred to the relevant Service Provider;

    - we provide your Identity Data requested by the Service Provider for the stated purpose for which they have requested the Identity Data from us;

    - we cannot control and are not responsible for the use, storage and disclosure of your Identity Data by the Service Provider. The Service Provider’s use, storage and disclosure is governed by their terms with you. You should contact the Service Provider to get their terms and privacy policy; and

    - if the Service Provider suffers a security or data incident that impacts your Identity Data, the Service Provider may provide us information about such incident, including your Personal Information and the Identity Data impacted by the incident, which we may use to seek to prevent or respond to cyber security incidents, fraud, scam activity or identify theft;     
  • neither us nor the ConnectID Operator endorse or make any representations or recommendations in respect of any Service Providers, including in respect of the suitability of their security or privacy practices; and
  • both us and the ConnectID Operator exclude all liability to you to the maximum extent permitted by law in connection with any acts or omissions of the Service Provider.

The exclusions in this section that relate to the ConnectID Operator are held on trust by us for the ConnectID Operator. This means that, although the ConnectID Operator is not a party to these terms, it can rely on your acknowledgment of and agreement to these exclusions.

Digital Identity Transactions operate separately to requests made pursuant to the Consumer Data Right scheme. You can find out more about the Consumer Data Right scheme on the Support section of the ANZ Plus website.

Your Transaction Record

If we participate in a Digital Identity Transaction relating to you, we will keep a record of Digital Identity Transaction processed or requested (even if not completed) (Your Transaction Record).

You can usually access Your Transaction Record in the ANZ Plus App, which generally shows your processed Digital Identity Transactions.

Your Transaction Record contains the following information relating to each Digital Identity Transaction:

  • the identity of the Service Provider;
  • the date of the transaction; and
  • the types of identity data shared with the Service Provider (if any).

We will handle Your Transaction Record and any other information collected by us in respect of a Digital Identity Transaction in accordance with our Privacy Policy.

Withholding Service

Acting reasonably, we may withdraw or suspend the Identity Service at any time, and we may also be unable to process a Digital Identity Transaction relating to you if:

  • you do not meet the eligibility requirements set out under ‘Eligibility’;
  • we have been unable to confirm the accuracy of Identity Data we hold about you or cannot meet the requirements for the Identity Data requested by the Service Provider;
  • we suspect on reasonable grounds that any fraud (including identity fraud) or security incident has or may be occurring in connection with you, your account or the relevant Service Provider;
  • our participation in the ConnectID Network has been suspended or terminated;
  • we have restricted you from transacting with us or your access to the ANZ Plus App in accordance with any T&C’s we have with you;
  • we reasonably believe that the Digital Identity Transaction requires intervention, for example because it relates to you as vulnerable person;
  • the Service Provider that you wish to conduct business with:

    - has made a request which is not consistent with the requests they are permitted to make as a participant in the ConnectID Network; or

    - provides services that you have elected to exclude yourself from in accordance with our processes to do so (if any);

  • we reasonably consider that we are unable to provide the Identity Data due to restrictions imposed by foreign data and/or privacy laws applying in respect of you; or
  • we think it is otherwise reasonably necessary to protect our legitimate business interests.

Fees

We will not charge you any fees to perform a Digital Identity Transaction for you, however we may receive a commission or other payment from the ConnectID Operator as a result of successfully executing the Digital Identity Transaction.

Personal Information

When you request for us to and we perform a Digital Identity Transaction, the Identity Data about you that you consent for us to disclose will be disclosed to the Service Provider that you consent for us to provide it to. Identity Data will generally include Personal Information about you.

 Our Privacy Policy includes information about:

  • how to access your Personal Information, including your Identity Data, held by us;
  • how to update or correct your Personal Information, including Identity Data, held by us; and
  • how you can make a complaint if you think we have breached the Privacy Act and how we'll respond.

Updating your Personal Information held by us will not update the record of Personal Information held by a Service Provider.   

Complaints

If you have a complaint relating to our participation in a Digital Identity Transaction relating to you, please contact us. Information about ways to make a complaint can be found at https://www.anz.com.au/plus/support/complaints-feedback/.

You can also raise a dispute relating to a Digital Identity Transaction by contacting an ANZ Plus Coach using the messaging feature in the ANZ Plus App.

However, please note that if your complaint or dispute relates to activities of a Service Provider to whom you have requested we disclose of Identity Data, we may direct you to contact that Service Provider directly.

What some words mean

Words that have a special meaning

Some words have a special meaning when they’re used in the ANZ Plus ConnectID T&Cs:

ANZ is us! We're Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) Australian Financial Services Licence Number 234527.

ANZ Plus means a digital banking platform provided by ANZ.

ANZ Plus App is the software we make available to you through which you can access, use and manage your ANZ Plus products.

ConnectID Operator means eftpos Digital Identity Pty Ltd trading as ‘ConnectID’ or its Related Bodies Corporate (as this term is defined in the Corporations Act 2001 (Cth)).

ConnectID Privacy Policy means the privacy policy published by the ConnectID Operator as amended from time to time and that concerns the handling of Personal Information by the ConnectID Operator in connection with the “ConnectID Network”

Digital Identity Transaction has the meaning given in ‘Digital Identity Transactions’.

Identity Data has the meaning given in ‘Digital Identity Transactions’.

Personal Information means personal information, as that term is defined in the Privacy Law.

Privacy Law means the Privacy Act 1988 (Cth) and any privacy legislation which applies to us from time to time in force in Australia.

Privacy Policy means the document by that name which can be found at www.anz.com/privacy.

Service Provider has the meaning given in ‘Digital Identity Transactions’.

We / us / our is us! We’re ANZ.

Your Transaction Record has the meaning given in 'Your Transaction Record'.

You means the customer, member, client, service recipient or other person that we provide services to from time to time. Any other grammatical form of the word “you” has a corresponding meaning.