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Privacy Disclosure Statement

Bendigo and Adelaide Bank Limited (ABN 11 068 049 178, AFSL and Australian Credit Licence No 237879) (“we, our and us”) is the issuer of all Up branded banking and financial products and the Up apps.

Up is committed to protecting your privacy and respect your rights under the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (“Privacy Act”). By using this website or Up, you agree to and consent to the collection, use, holding and disclosure of personal information as set out in this Privacy Disclosure Statement and the Privacy Policy below.

In addition to any purpose notified to you at the time of collection, we use your personal information for the purposes of:

  • providing our services to you;
  • our internal management needs;
  • our marketing activities;
  • responding to any enquiries or comments that you submit to us;
  • any other purpose you have consented to; and
  • any use which is required or authorised by law.

Prior to disclosing any of your personal information to another person or organisation, except in relation to messaging in the Up app (see below), we will take all reasonable steps to satisfy ourselves that:

  • the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
  • you have consented to us in making the disclosure.

In some circumstances, users of the Up app may be able to communicate with one another using messaging functionality in the Up app. Where this applies and a user includes your personal information in such a communication, we may collect your personal information in the course of providing the messaging service. We will only use your personal information collected in these circumstances for the purposes of providing our relevant messaging service and will only disclose it to the intended recipient(s) of the communication.

Your personal information is collected to administer the relationship with you and to promote and provide you with products and services. If you do not provide your personal information (or if you provide incorrect personal information) you will not be able to use Up.

We may from time-to-time use your personal information to provide you with offers you may find of interest or for marketing purposes that we think will be useful to you. Our marketing communications will provide you with details of how to opt-out.

Our Privacy Policy contains further information about:

  • The types of personal information we collect
  • How we collect and use your personal information
  • Disclosure of your personal information to third parties, including those located overseas
  • How you can access and correct your personal information
  • How you can complain about a breach of your privacy, and how your complaint will be dealt with
  • How you can opt-out of receiving direct marketing communications; and
  • Who to contact should you have any questions or concerns about your personal information

Date of Publication – 14 December 2022