Online Terms & Conditions
Before accessing our site, you need to carefully read the following information:
- About our online sites
- Links to other third party sites or applications
- No Responsibility
- Valuation tools, calculators, games and other features
- Our standard terms and fees and charges
- Content you submit to our Social Media Sites
- Warranties
- Limitation of liability
- Indemnity
- Advice and disclosure
- Risk Management Products
- Availability of an Online Site
- Restrictions on use of an Online Site
- Third party providers
- Copyright and trademarks
- Termination
- Changes to these Online Terms
- Our complaints resolution process
- General
- Linking to any of our Online Sites
- Our Online Privacy Statement
- Your Online Privacy
- Posting public content
- General Information
- Third Party Sites
- Your privacy rights and complaint resolution
- Cookies
- Suncorp Bank Social Media Guidelines
Effective 1st August 2024
Suncorp Bank is the name we use to describe Norfina Limited (ABN 66 010 831 722).
The SUNCORP brand and Sun Logo are used by Suncorp Bank (Norfina Limited) and Suncorp Equipment Finance (Norfina Advances Corporation Pty Ltd) under licence. Suncorp Equipment Finance is a subsidiary of Suncorp Bank and is not an authorised deposit-taking institution. Neither Suncorp Bank nor Suncorp Equipment Finance is a part of the Suncorp Group.
Suncorp Bank and Suncorp Equipment Finance were recently acquired by ANZ and are no longer part of the Suncorp Group.
Suncorp Bank will operate as a separate bank to ANZ. Some business support functions and other services may be performed by its Related Entities for Suncorp Bank.
In these terms, a reference to "we", "us" or "our" is a reference to Suncorp Bank (unless the context otherwise requires).
“ANZ” means Australia and New Zealand Banking Group Limited.
“ANZ Group” means ANZ and its related bodies corporate, including Suncorp Bank and its Subsidiaries unless the context requires (each an “ANZ Group member”).
"Related Entity” means each ANZ Group member (other than Suncorp Bank).
Suncorp Bank’s "Subsidiaries” are:
• Suncorp Equipment Finance (Norfina Advances Corporation Pty Ltd (ABN 89 100 845 127))
• SME Management Pty Limited (ABN 21 084 490 166).
Part A of these Online Terms (see terms 1 to 28) explains how we:
operate and regulate our online sites including our social media sites; and
handle your personal information when you interact with us online (see terms 22 to 28).
Part B of these Online Terms (see terms 29 to 37) sets out terms particular to online insurance transactions and insurance products and services and the use of Suncorp Social Media (see term 36).
1.1. We operate certain online sites ("Online Site(s)"), including our:
1.1.1. main websites (including www.suncorpbank.com.au and the related domains and pages accessible within those sites) ("Main Site");
1.1.2. social media site(s) ("Social Media Site(s)") as operated from time to time;
1.1.3. competition websites as operated by us from time to time; and
You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms (including our Privacy Policy.
Please be aware that certain parts of our Main Site may additionally function as a Social Media Site. By this we mean that the information and content you submit to a social media section of our Main Site will be freely visible to other website users. Any social media sections of our Main Site will be either clear to you from their design, or we will otherwise inform you of their public nature.
1.3. Our Online Sites may include product advertising, services, information, text, graphics, materials, social media forums, applications, functions and promotions ("Site Content").
1.4. In addition to these Online Terms, other terms of use or conditions may apply to your use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. If such additional terms of use or conditions apply, we will bring them to your attention and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on an Online Site, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with additional terms of use or conditions, the latter will prevail to the extent of the conflict.
1.5. As part of your use of our Online Sites you may need to agree to the terms of use of a website or application that is owned and/or hosted by one or more third party providers. If any term within these Online Terms conflicts with any third party's terms of use, the latter will prevail to the extent of the conflict for your use or access to that third party site or application.
2. Links to other third party sites or applications
2.1. An Online Site may contain links or references to other websites (including other social media websites) or applications which are independently owned or operated by third parties ("Third Party Sites"). When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content.
2.2. We are not responsible or liable for the content of Third Party Sites. Your access to and use of those sites is at your own risk and may be subject to separate terms and information handling practices. Any links are provided for convenience only, and do not indicate any sponsorship, endorsement or recommendation by us.
2.3. As part your use of our Online Sites or Site Content you may need to agree to the terms of a Third Party Site. If any term within these Online Terms should conflict with any third party's terms of use, the latter will prevail to the extent of the conflict insofar as your use or access to that Third Party Site is concerned.
Suncorp Bank and its Related Entities who provide access to their products and services are not responsible or liable for, and do not guarantee or otherwise support, any product or service provided by each other, including benefits payable under any such product or service (except to the extent that any loss is caused by the fraud, negligence or wilful misconduct of Suncorp Bank or its Related Entities or their officer, employee, contractor or agent) .
Suncorp Bank and its Related Entities are also not responsible or liable in respect of product and services provided by Third Parties (except to the extent that any loss is caused by the fraud, negligence or wilful misconduct of Suncorp Bank or its Related Entities or their officer, employee, contractor or agent).
Products and services provided by Related Entities or Third Parties will be subject to the terms on which that Related Entity or Third Party offers those products or services.
4. Valuation tools, calculators, games and other features
4.1. Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which may assist you in calculating such things as loan repayments or savings. Our Online Sites may also contain other useful information, such as information about us and our industry.
4.2. Whilst we take reasonable steps to ensure that any such features and information as described in term 5 are accurate and free from defect, we do not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an "as is" basis. Your use of any of these features or reliance on any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
5. Our standard terms and fees and charges
Terms and conditions apply to all banking products and services described in our Online Sites and may be varied at any time in order to protect our legitimate interests, and only to the extent reasonably required to do this. These may be changed without notice (where permitted by law). Fees and charges may also apply to banking products and services and may be varied at any time without notice except where notice is required under the terms and conditions for the banking products or services, any law or code in which case we will give you the required notice. Government charges, taxes and duties may also apply. Full details of the terms and conditions and the fees and charges are available on request.
6. Content you submit to our Social Media Sites
6.1. When a user of any of our Social Media Sites ("Social Media Site User") submits any personal information, content or materials via a Social Media Site including text, comments, recordings, images ("User Content"), unless otherwise advised by us, you grant us and our affiliates a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. We qualify this term 6 by stating that any recruitment application or related correspondence via a Social Media Site, but which is not provided by way of an open public forum or other public process, will be treated by us in accordance with Clause 25.4.
6.2. You agree that you are fully responsible for the User Content you submit. We will not be liable in any way for such User Content to the full extent permitted by law (except to the extent that any loss is caused by our negligence, fraud or wilful misconduct or that of our officer, employee, contractor or agent) and will not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site user. We may screen and/or remove and/or request that the third party operator of any Social Media Site remove any User Content without notice for any reason whatsoever. You warrant and agree that:
a) you will not submit any User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a 'guerrilla marketing' attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication;
(b) you will obtain prior consent to the submission of your User Content from all persons who appear in (for example, in photographs) or have any rights (including moral rights) in relation to such User Content;
(c) your User Content is your own original work and, to the extent that any rights in that work (including copyright) are not owned by you, you will obtain full prior consent from any person who has jointly created or has any rights in the User Content, to the uses and terms herein;
(d) your User Content will not contain viruses or cause injury or harm to any person or entity or device; and
(e) you will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.
6.3. Without limiting any other terms herein, you agree to indemnify us (and any of our Related Entities) for any loss or expense suffered in relation to any breach of the above terms, except to the extent that the loss or expense is caused by our negligence, fraud or wilful misconduct or that of our officer, employee, contractor or agent.
6.4. You consent to any use of your User Content in accordance with term 6 which may otherwise infringe your moral rights pursuant to the Copyright Act 1968 or other applicable laws, including using and reproducing the User Content without attributing it to you, and making modifications or adaptations to the User Content.
Whilst reasonable steps have been undertaken to ensure that information is free from error, subject to any applicable law which cannot be excluded (including warranties under the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), Suncorp Bank and its Related Entities do not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites.
Subject to any responsibilities implied by law and which cannot be excluded, we, and our directors, employees, agents, contractors and Related Entities are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, User Content, Third Party Site content, third party services, or access (or lack of access) to an Online Site (or website operated by any ANZ Group Member) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise except to the extent that the loss, damage, liability, claim or expense is caused by the negligence, fraud or wilful misconduct of Suncorp Bank, our Related Entities or our officers, employees, contractors or agents.
You indemnify us (and our Related Entities) in respect of any liability incurred by us (and any of our related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by us (and any of our Related Entities) as a result of your breach of these Online Terms or your use of any of our Online Sites, except to the extent that the loss, damage, liability, claim or expense is caused by Suncorp Bank or our Related Entities’ negligence, fraud or wilful misconduct or that of our officers, employees, contractors or agents.
Unless specifically stated, no financial product advice, financial advice or investment, legal or taxation advice of any kind is provided through any Online Site.
You should obtain your own advice on any matters before you make a decision about any product or service available or offered through any Online Site.
Where financial product advice is provided through an Online Site, it is general advice only. Neither Suncorp Bank or its Related Entities have taken into account any of your personal circumstances, objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider the appropriateness of the advice having regard to your personal circumstances, objectives, financial situation and needs.
You should obtain and consider the relevant Terms and Conditions, Product Information Document (PID) as well as any other related material for the products and services that are available through an Online Site before you make a decision about whether to acquire or continue to hold that product or service.
For a particular product or service, the Terms and Conditions, PID and any Target Market Determination can be obtained from the issuer of the product or service.
Any risk management products detailed in an Online Site (e.g. foreign exchange and interest rate risk management products) involve risks when using such products. You should seek expert advice before using any such products so you are fully informed as to all risks involved.
12. Availability of an Online Site
12.1. Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an "as is" and "as available" basis only.
12.2. We may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, we may vary or withdraw an Online Site (or part thereof, including the products and services described) at any time and without notice to you.
12.3. Any cost associated with accessing an Online Site is your responsibility and is dependent on the internet or telecommunications service provider used.
13. Restrictions on use of an Online Site
Site Content is provided solely for bona fide personal or commercial customers, or their legitimate representatives. You agree that you will not, (either yourself or through any third party):
(a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without our prior written permission;
(b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
(c) use any information on or accessed through any of our Online Sites for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
(d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
(e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
(f) reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
(g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without our prior written permission.
Parts of our Online Sites, or the provision of payment processing or other products or services offered via our Online Sites, may be provided by third parties (“third party providers”). These Online Terms apply to any products and services provided by a third party provider, unless you are otherwise notified of any alternate terms of use.
15.1. Site Content is owned or licensed by us or our Related Entities and is protected by copyright laws in Australia and overseas.
15.2. Except where necessary for and incidental to viewing or using the Site Content via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content may be reproduced, published, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without our specific written consent.
15.3. The Online Sites include trade marks which are protected by law. The SUNCORP brand and Sun Logo are used by Suncorp Bank (Norfina Limited) and Suncorp Equipment Finance (Norfina Advances Corporation Pty Ltd) under licence. Suncorp Equipment Finance is a subsidiary of Suncorp Bank and is not an authorised deposit-taking institution. Neither Suncorp Bank nor Suncorp Equipment Finance is a part of the Suncorp Group. Suncorp Bank and its Subsidiaries reserve all copyright and other legal rights with respect to our respective trade marks, whether registered or otherwise.
16.1. Termination of these Online Terms
Unless otherwise stated in this term 16, these Online Terms and/or your access to our Online Site(s) may be terminated at any time by us:
a) If we have reasonable grounds to believe that your account is being used in connection with fraud, misuse or for any other inappropriate use;
b) If you promptly notify us that your account with us has been cancelled;
c) For security reasons; or
d) If we have reasonable grounds to believe that there is a material risk of loss to you or us.
You may terminate your use of our Online Sites at any time. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on our liability, will survive any termination.
16.2. Prohibition on access post termination
Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.
17. Changes to these Online Terms
You accept that Suncorp Bank has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms. We won’t change the terms while you are on an Online Site, but each time you attend the Online Site you agree to the Online Terms afresh.
18. Our complaints resolution process
18.1. If you are dissatisfied with your dealings with us in relation to your use of an Online Site please let us know by contacting us at bank.customer.relations@suncorpbank.com.au.
18.2. We will review your complaint and contact you with a reply or to ask you for further information, if it’s required.
19.1. An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any product), promotions or offers.
19.2. Unless otherwise expressly indicated, we only offer our products and services within Australia. Some products or services may only be offered for sale or serviced in specific states or territories. The information provided in the Online Sites has been provided in accordance with Australian laws only and may not satisfy the laws of other countries.
19.3. The law applicable to an Online Site, and to any complaints arising from an Online Site is the law in force in the State of Queensland, Australia. By using any of our Online Sites you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia and any courts which have jurisdiction to hear appeals from such courts.
19.4. Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from these Online Terms, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of the Online Terms.
19.5. You may not rely on our words or conduct as a waiver of any right unless the waiver is in writing. In this term “conduct” includes delay in the exercise of any right. “Right” means any of our rights arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.
20. Linking to any of our Online Sites
Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a Related Entity) is expressly prohibited. Please contact us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.
21. Our Online Privacy Statement starts here
21.1. By using an Online Site you accept that any personal information we collect about you will be handled according to terms 22 to 28 of these Online Terms as well as:
- our Privacy Policy; and
- where you acquire a product or service from us or we collect your personal information, any relevant Privacy Statement which we provide you. Our privacy statements, can be found here.
21.2. In addition to Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.
22.1. Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 6 and 24 for further information about the public display of your content.
22.2. Our Main Site uses the services of the firm Adobe to monitor website use. The Adobe SiteCatalyst tool does not collect any personally identifiable information while you use our site(s) and the reports it provides us are of aggregated information only. These reports help us to maintain, administer and improve these sites.
23.1. Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by us publicly in accordance with terms 6, 22 and 24. Your information may also be retained by us where there is a legal reason to retain it for a longer period.
24. Information collected and how we use it
24.1. General Information
24.1.1. The information we will collect about you will depend on how you use an Online Site.
24.1.2. If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes.
24.1.3. An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may capture any personal information which you may enter when using these tools.
24.2. Personal information submitted to an Online Site
24.2.1. When you as a user of an Online Site (“Online Site User”), including any Social Media Site User referred to in term 6 above, submits any personal information via an Online Site you consent to that personal information being collected by us and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia and/or New Zealand.
24.2.2. You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to us via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to us, please exercise caution and DO NOT provide it to us.
24.2.3. If you are using our Online Site and decide to obtain a quote or acquire a product or service, as a potential customer or customer we collect, hold, use and disclose your personal information. We have Privacy Statements that detail the information you need to know about our privacy practices when you have a relationship with us as a customer or potential customer. You will be directed to these during the quote and/or application process. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. The specific information for your product or service is detailed in the relevant Privacy Statement. You should review the relevant Privacy Statement for you prior to providing us with your personal information. Please go to suncorpbank.com.au/privacy to find our complete list of Privacy Statements.
24.2.4. We also collect, hold, use and disclose personal information about individuals when they interact with us in a range of other ways. These may be individuals who are not customers or they may be customers who are interacting with us in a different way. You may be one of these people. For example, you may: interact with us via a Social Media Site; make an online enquiry; be a witness in a customer’s claim; or be a claimant on another customer policy. We have Privacy Statements that detail the information you need to know about our privacy practices and how we may deal with your personal information when you interact with us in these other ways. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. To view the relevant privacy statement for your dealing or interaction with us please go to suncorpbank.com.au/privacy.
24.2.5. In the case of personal information which is provided to us for public display via a Social Media Site (this includes any ‘tweet’ you send to us on Twitter/X, which we may “re-tweet” to other Twitter/X users), we may display that information to others or otherwise display the information for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 6 for what other uses and/or disclosures we may make of your personal information provided via a Social Media Site and what limits it imposes.
24.2.6. We may collect your personal information (such as your name, email address, mobile phone number or Social Media Site alias) in order to provide you with an interaction or outcome you have requested. This may require us to disclose your personal information to one or more third parties, including but not limited to agents or external service providers.
24.2.7. If you are using an Online Site such that you are submitting your personal information, you should also first read and understand any separate privacy policy or policies that may apply to your use of any Social Media Site that hosts our Online Site or is connected to any special function or promotion that you are entering. We are not responsible to you for the information handling practices of any such third party, including any host website or service provider.
24.2.8. If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.
24.2.9. Where practical we will collect your personal information directly from you. Generally, we may collect personal information about you when you deal with us by email, letter, phone, in person at a vehicle repair centre or at other location.
24.3. Security of personal information submitted to our Main Site
24.3.1. All personal information you provide to our Main Site over the internet while inquiring about our products , or entering a promotion (as relevant) is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). We use a minimum 128- bit encryption, which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information while it is in transit over the internet. Once your personal information has been received at our Main Site, we take all reasonable precautions to securely pass that information to our mainframe computer or to one of our Related Entities on our behalf, or in the case of a promotion, to our secure promotion database. These mainframe computers are not directly accessible through the internet, nor is our promotion database. No details you provide to us are stored on a web server.
24.4. Recruitment Information
24.4.1. As part of our recruitment process, we will gather information on your background, including personal information that you include on your application or resume, such as your name, mailing address, telephone number, email address, career history, details of any competency tests or other information relating to your career.
24.4.2. In some circumstances, we may also collect sensitive information about you such as information about your membership of a professional or trade association or trade union; security clearance or any criminal record(s) or charges you may have had filed against you. When we need to collect this type of information, we will obtain your consent. If it is provided to us by way of your initial application, then your consent for us collecting it will be inferred.
24.4.3. There may be occasions when we obtain personal information about you from a third party; for example, when receiving the results of a psychological or competency test or assessment centre results. When we need to collect this type of information, we will obtain your consent prior to you taking part in the exercise.
24.4.4. In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.
24.4.5. Please be aware, if you do not provide us with the information we require, we may be limited in our ability to consider you for employment.
24.4.6. Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with us.
24.4.7. Should we engage/employ third party contractors or vendors to perform recruitment services for us, which involve handling your personal information, we will take reasonable steps to prohibit these parties from using your personal information except for the purposes for which it was supplied, and ensure that their privacy policy commitments compliment ours.
25. Third Party Sites (including third party social media sites)
Our Online Sites may contain links to Third Party Sites (see term 2.1 ). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
26. Your privacy rights and complaint resolution
26.1. You have a right to access, update or correct your personal information that is held by us, with some limitations as permitted by Australian or New Zealand law (as applicable). You also have the right to make a complaint about your privacy. Click here to find out the contact points should you have an information access or correction request or privacy concern relating to your use of an Online Site.
26.2. We will review your correspondence or request and contact you within a reasonable time with a reply or to ask you for further information, if it's required. We will ordinarily not charge you a fee to access your personal information, however in some circumstances we may elect to charge you a reasonable fee for access, as permitted by law.
26.3. If you make a complaint about your privacy you may have additional rights of appeal, such as under our formal dispute resolution process. We will tell you if that is the case. See the "Making a Privacy Complaint" part of our main website for more information about how we resolve privacy complaints.
27.1. Our Online Sites use "cookies" as a fundamental part of their interaction with your internet browser. Cookies enable us to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by our website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.
Part B – Use of Suncorp Bank Social Media
In this Part B, "we", "us" and "our" refers to Suncorp Bank.
28. Suncorp Bank Social Media Guidelines
Thanks for visiting the Suncorp Bank Social Media page. These pages are run by Suncorp Bank.
‘Suncorp Bank Social Media’ means Suncorp Bank Facebook, Suncorp Bank Twitter/X, Suncorp Bank Instagram, Suncorp Bank LinkedIn, Suncorp Bank TikTok and Suncorp Bank Pinterest.
By using our Suncorp Bank Social Media you agree with our Online Terms & Privacy Statement, and to act in accordance with these guidelines.
Suncorp Bank Social Media is intended to provide a place for fans to seek customer service and discuss our products and promotions. Where a response is required, we will respond to your comments on the Suncorp Bank Facebook, Instagram and Twitter/X pages between the hours of 8:00 am and 9:00 pm from Monday to Friday or between the hours of 8:00 am and 6:00 pm on Saturday, Sunday and National Public Holidays.
Your Privacy
Your privacy is important to us. We collect and handle your personal information, including any social media posts or messages you send us, in accordance with our Online Terms & Privacy Statement. If we believe that your query requires us to identify you (for example, as our customer), we will let you know and your query will progress by private or direct messages, email or phone.
For any Suncorp Bank Advertisement on the relevant Facebook pages
Suncorp Bank is only liable for the banking products or services it provides. Except to the extent imposed by law, Suncorp Bank and its Related Entities do not guarantee and are not responsible or liable for the products, services, obligations or liabilities of each other.
We have not taken into account any of your personal circumstances or specific financial situation or needs, so you should always read the Terms and Conditions and any Product Information Document (PID) as well as any other related material for the Suncorp Bank products you are interested in. You can find these on the Suncorp Bank website or call 13 11 75 for a free copy. We only offer banking products in Australia.
Posting content on our page
We want to be as helpful as possible, and encourage you to leave constructive comments, photos, videos and links here. You are responsible for the content you post on Suncorp Bank Social Media and any consequences of posting. You must not post anything that is illegal, inappropriate or offensive, including the following:
- defamatory, offensive or violent content;
- disruptive statements meant to hijack comment threads or throw discussions off-track;
- trolling, spamming, and deliberately misleading posting;
- attacks on specific groups or content meant to harass, threaten or abuse an individual;
- hateful or discriminatory content regarding race, ethnicity, religion, gender, disability, sexual orientation or political beliefs;
- sexually explicit content or links;
- discussion of illegal activity;
- link baiting or files containing viruses that could damage the operation of other people's computers or mobile devices;
- acknowledgement of intent to stalk an individual or collect private information without disclosure;
- commercial solicitations or promotion of a competitor;
- unreasonable or unauthorised disclosure of someone else's personal information;
- violations of another person’s copyright, moral rights or other intellectual property rights;
- content that relates to confidential or proprietary business information; and
- content determined to be inappropriate, in poor taste, or otherwise contrary to the purposes of the forum.
The user content posted to this page does not represent our opinion or the opinion of Suncorp Bank and its Related Entities, and we reserve the right to edit, remove or require the removal of all content deemed inappropriate or contrary to these Guidelines. If you think someone's post infringes your legal rights, please notify us at banksocialmedia@suncorpbank.com.au.
Read our Online Terms & Privacy Statement for full details of your obligations regarding content you post and how we handle the content you provide us through social media, including what we may do with it in future. If you aren't sure whether you should be providing content that involves someone else, you should first ask the person or company who may own that content or who is referred to in that content. If in any doubt we ask that you not upload that content to our social media.
Promotions we may run
From time to time we may run a competition on Suncorp Bank Social Media. Where we do, the following conditions apply:
1. Refer to the competition post for details of how to enter, how the winner will be selected and what the prize is. The competition is a game of skill and chance plays no part in determining the winner(s);
2. We may, in our reasonable discretion, declare your entry invalid or disqualify you if you tamper with the entry process or otherwise act in a way that jeopardises the fairness of the competition.
3. Prizes are not transferable, exchangeable or redeemable for cash, except at our reasonable discretion.
4. We will announce the winner(s) within the competition post and notify them by commenting on their winning post. Winners will be required to send us a private message with their contact details, so we can arrange provision of the prize.
5. Except for any liability that cannot be excluded by law, Suncorp Bank and its Related Entities exclude all liability for any loss which is suffered or incurred in connection with the competition. We will not be responsible for any technical, communications or other errors in the course of conducting the competition, nor failure of safe delivery of a prize except to the extent that the loss is caused by the fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents) of Suncorp Bank or its Related Entities.
6. All of our decisions in relation to the competition are final and no correspondence will be entered into.
7. You completely release the relevant social media platforms from all liability in relation to the competition, and acknowledge that it is in no way sponsored, endorsed or administered by, or associated with the relevant social media platforms.
Other times, we might tell you about a competition on our Facebook or Instagram page that has its own separate conditions. If so, they can be found in Notes on our Facebook page or the link in our Instagram biography.
These Online Terms are dated 1st August 2024.
