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Your privacy is important to AMP
Your privacy is important to us. This statement outlines AMP's policy on how we
manage the personal information we hold about our customers, shareholders and
others. It applies to all organisations in the AMP group of companies in
It is AMP policy to respect the confidentiality of information and the privacy
of individuals. AMP is bound by the National Privacy Principles contained in
the Commonwealth Privacy Act.
account of new laws and technology, changes to our operations and practices and
to make sure it remains appropriate to the changing environment. Any
1 See AMP in Australia
We are committed to being open about how we use personal information.
Where our documents ask for personal information, we will generally state the
purposes for its use and to whom it may be disclosed.
Why does AMP collect personal information?
Our business is to understand and meet our customers' needs over their lifetime
for a wide range of financial and other services. To do this effectively, we
need to collect certain personal information.
Our business units provide many financial products and services under the AMP
brand. They include (but are not limited to):
life and general insurance products protecting against risks
investment products to build wealth
superannuation and retirement income products to provide for retirement
banking and other services to provide deposit and credit facilities
financial planning advice and other services to help individuals understand
their financial needs and make financial and investment decisions
management of investment assets such as shares, property (including shopping
centres), fixed interest and cash
AMP Limited also maintains records of its shareholders and keeps them informed
of AMP's business activities (including AMP's range of products and services
that are available from time to time). Collecting personal information also
allows us to meet legal obligations we might have.
What kind of personal information do we ask for?
Because of the nature of the products and services provided, government
regulations and taxation laws, we ask for a range of personal information from
our customers and shareholders.
The type of personal information we may collect can include (but is not limited
to) name, address, date of birth, contact details, income, assets and
liabilities, account balances, tax and financial statements and employment
We obtain most of the information directly from our customers through
application or other forms, and from maintaining records of information
provided in the course of ongoing financial planning advice or customer
service. We may also obtain information from other sources.
We may ask for other information voluntarily from time to time (for example,
through market research, surveys or special offers) to enable us to improve our
service or consider the wider needs of our customers or potential customers.
Some of our insurance plans and other contracts also require us to collect
sensitive information. For more details, see the section 'Sensitive information
is subject to greater restrictions'.
If you choose not to provide the information we need to fulfil your request for
a specific product or service, we may not be able to provide you with the
requested product or service.
How do we use this information and who may we disclose it to?
While we may send you marketing material from time to time that we think will be
useful to you, we are conscious of the need to respect your privacy.
Unless you are informed otherwise, the personal information we hold is used for
establishing and managing your financial products or services, reviewing your
ongoing needs, enhancing customer service and product options and giving you
ongoing information or opportunities that we believe may be relevant to your
financial needs and other circumstances.
We use the personal information we collect about AMP Limited's shareholders to
fulfil our legal obligations and to keep our shareholders informed of AMP's
progress and the products and services that we provide to our customers.
Depending on the product or service concerned and particular restrictions on
sensitive information, this means that personal information may be disclosed
other areas within the AMP group who provide financial and other services
financial planners, brokers and those who are authorised by AMP to review
customers' needs and circumstances from time to time
service providers and specialist advisers to AMP who have been contracted to
provide AMP with administrative, financial, insurance, research or other
other insurers, credit providers, courts, tribunals and regulatory authorities
as agreed or authorised by law
credit reporting or reference agencies or insurance investigators
anyone authorised by an individual, as specified by that individual or the
Generally, we require that organisations outside the AMP group of companies who
handle or obtain personal information as service providers to AMP acknowledge
the confidentiality of this information, undertake to respect any individual's
right to privacy and comply with the National Privacy Principles and this
Sensitive information is subject to greater restrictions
Some personal information we hold is 'sensitive'.
Sensitive information relates to a person's racial or ethnic origin, membership
of political bodies, religions or trade unions, sexual preferences or
activities, criminal record, state of health and medical history.
The way we use tax file numbers and information received from a credit
reporting agency about an individual is also restricted by law.
Sensitive information is usually needed for applications for death, sickness
and disability insurance and to manage claims on those products. It may also be
relevant to credit and other applications. It is AMP policy that sensitive
information will be used and disclosed only for the purposes for which it was
provided, unless the customer agrees otherwise or the use or disclosure of this
information is allowed by law. Documents asking for sensitive information will
Management of personal information
AMP trains its employees and financial planners who handle personal information
to respect the confidentiality of customer information and the privacy of
individuals. AMP regards breaches of your privacy very seriously and will
impose appropriate penalties, including dismissal.
AMP has appointed Privacy Officers to ensure that AMP's management of personal
information is in accordance with this statement and the Privacy Act.
How do we store personal information?
Safeguarding the privacy of your information is important to us, whether you
interact with us personally, by phone, mail, over the internet or other
electronic medium. We hold personal information in a combination of secure
computer storage facilities and paper-based files and other records, and take
steps to protect the personal information we hold from misuse, loss,
unauthorised access, modification or disclosure.
We may need to maintain records for a significant period of time. However, when
we consider information is no longer needed, we will remove any details that
will identify you or we will securely destroy the records.
How do we keep personal information accurate and up-to-date?
AMP endeavours to ensure that the personal information it holds is accurate and
up-to-date. We realise that this information changes frequently with changes of
address and other personal circumstances. We can generally update your customer
information over the telephone or via the AMP website.
You have the right to check what personal information about you is held by us
Under the Commonwealth Privacy Act, you have the right to obtain a copy of any
personal information which AMP holds about you and to advise AMP of any
perceived inaccuracy. The Act does set out some exceptions to this.
To make a request, you will need to complete an application form verifying your
identity and specifying what information you require.
We will acknowledge your request within 14 days and respond promptly to it. We
may charge a fee to cover the cost of verifying the application and locating,
retrieving, reviewing and copying any material requested. If the information
sought is extensive, we will advise the likely cost in advance and can help to
refine your request if required.
What if you have a complaint?
the National Privacy Principles or otherwise doesn't respect your privacy, you
can make a complaint. This will be acted upon promptly.
To make a complaint, please telephone us on 13 12 67.
If you are not satisfied with our response to your complaint, you can telephone
the Commonwealth Privacy Commissioner's hotline on 1300 363 992.
How to contact us
If you want to:
change your personal information
obtain an application form for access to your personal information
phone AMP on 13 12 67.
AMP in Australia
AMP provides wealth creation and protection for customers including through
Life and general insurance:
AMP Life Limited
AMP GI Distribution Pty Ltd
AMP Capital Investors Ltd
Australian Securities Administration Limited
Hillross Financial Services Limited
Superannuation and retirement income:
AMP Life Limited
AMP Superannuation Limited
AMP Bank Limited
GIO Building Society Limited
AMP Finance Limited
Priority One Agency Services Pty Limited
Priority One Financial Services Limited
AMP Financial Planning Pty Limited
Hillross Financial Services Limited
Arrive Wealth Management Limited
AMP Capital Investors Ltd
AMP Shopping Centres Pty Ltd
Reinsurance and Insurance Runoff Management Services
Cobalt Runoff Services Limited
Shareholders own shares in AMP Limited, which is the holding company for the
above major operating subsidiaries.
Issue 1 10/01
AMP Limited ABN 49 079 354 519
33 Alfred Street, Sydney NSW 2000
Privacy: Web supplement
This statement outlines some privacy issues specific to the amp.com.au website.
The AMP website provides you with many interactive tools designed to help you
make an informed choice with certain financial and other decisions. Some of
these tools include budget planners, debt reduction calculators, home loan
comparison and superannuation calculators.
AMP may collect personal information you enter when using the interactive tools
on our website.
Cookies are small pieces of text stored on your computer to help us determine
the type of browser and settings you are using, where you have been on the web
site, when you return to the web site, where you came from, and to ensure your
information is secure. The purpose of this information is to provide you with a
more relevant and effective experience on the AMP web site, including
presenting web pages according to your needs or preferences.
having to log in each time you visit. AMP may also use independent external
service providers to track the traffic and usage on the web site.
Cookies are frequently used on many websites on the internet and you can choose
if and how a cookie will be accepted by changing your preferences and options
in your browser. You may not be able to access some parts of amp.com.au if you
choose to disable the cookie acceptance in your browser, particularly the
secure parts of the website such as BankNet and My Portfolio. We therefore
recommend you enable cookie acceptance to benefit from all the services on the
AMP is constantly striving to improve functionality on this site through
technology changes. This may mean a change to the way in which personal
information is collected or used. The impact of any technology changes which
may affect your privacy, will be notified in this Supplement at the time of the
Links to third party websites
The AMP website has links to external third party websites that may benefit the
External websites should contain their own privacy statements and we recommend
you review them when using their websites.
Please note, however, that third party websites are not covered by AMP's