bnext is a registered trademark of Big Sky Credit Union Ltd. Big Sky Credit Union Ltd ABN 51 087 651 358 BSB 803 228, AFSL 240 735. Any advice does not take into account your personal needs and financial circumstances. bnext recommends you read the Conditions of Use & the Financial Services Guide before acquiring the product.
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Privacy Disclaimer
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Protecting the privacy of our members and the confidentiality of your Personal Information is fundamental to the way bnext conducts its business.
bnext is a registered trademark of Big Sky Credit Union a financial services organisation. bnext treats very seriously the ongoing trust the Members have in us to protect their Personal Information.
The bnext Privacy Policy explains how we protect you, and your privacy, including:
• The importance of your consent before we disclose your Personal Information
• How we respect your privacy in the course of using your Personal Information: and
• How your privacy is protected when you access our websites via the Internet.
Of course you have the right, where it is lawful and practicable of remaining anonymous when entering into transactions with bnext. However should you choose to remain anonymous we may not be able to provide you with a full range of products and services.
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How we collect your personal information
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We collect most Personal Information directly from you. For example, we may collect Personal Information directly from you. For example, we may collect Personal Information when you open an account, fill in an application for, deal us over the phone, send us a letter, send us an email, visit our website, or when you have contact with us in person.
The type of personal information we collect may include your name and may include your mailing address, tax file number, date of birth, annual income and other financial details, place of work, credit history and transaction history. In certain circumstances, we may also collect sensitive information such as health details.
We do no collect information about your political or religious beliefs, ethnic background or sexual preferences.
We may use personal information for related purposes
We may also use or disclose your Personal Information for purposes related or additional to the main reason we collect it, such as:
• Servicing our relationship with you;
• Internal administration
• Protecting you and bnext from error and fraud; and
• Helping us to identify and inform you about other bnext benefits
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Our duty of confidentiality
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We have a duty to keep confidential all personal information we hold about you, including:
• Your name, address and other information you provide
Our duty of confidentiality applies except where disclosure of your Personal Information is:
• In the public interest
For example, where a crime, fraud or misdeed is committed or is suspected, and disclosure against the customer’s rights to confidentiality is justified
• bnext’s interest
For example, disclosure to a court in the event of legal action to which bnext is a party.
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Your consent is important
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Your consent can be express or implied.
Your express consent can be verbal or written.
We keep your personal information up-to-date. If we have accurate Personal Information about you, it enables us to provide you with the best possible service.
We take reasonable steps to ensure that your Personal Information is accurate, complete and up-to-date, please contact us immediately and we will correct it.
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You can access your information
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bnext shall, on request, provide you with Personal Information about you which it holds, maintains and which may lawfully be provided.
We will provide you with this information unless one or all of the following situations apply.
• Providing access to the information would pose a serious threat to the life or health of any individual.
• The request for the information is frivolous or vexatious.
• The information relates to existing or anticipated legal proceedings between bnext and yourself.
• Provision of the information would prejudice commercial negotiations with you.
• Providing the information would be unlawful.
• The law requires or authorizes us to deny you access to the information requested.
• Providing access would be likely to prejudice prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law or imposing a penalty or a sanction or breaches of a prescribed law.
• Providing access would be likely to prejudice an investigation of possible unlawful activities.
• An enforcement body performing a lawful function, request bnext not to provide access to the information on the basis that providing it would likely cause damage to the security of Australia.
• Provision of the information would impact on the privacy of others.
If access to information is denied, we will advise you of our reasons, and on what basis your request for information is being denied.
bnext required that you, as clearly as possible, identify the information requested.
Your request to provide information will be dealt with in a reasonable time.
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We store your personal information securely
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We protect any Personal Information that we hold from misuse and loss. We also protect if from unauthorised access, modification and disclosure.
Only authorised users can access your Personal Information, and access is only for approved purposes.
Your personal information may be stored in hardcopy documents, as electronic data, or in bnext software or systems.
We maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain computer and network security; for example, we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems.
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bnext – data risk policy
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We have comprehensive security policies and procedures documented to protect our internal data. Your Personal Information will be recorded, amended and deleted only by authorised means.
Our systems are able to protect your Personal Information from misuse and loss from unauthorised access, modification or disclosure.
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Website security and privacy
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We understand you may be concerned about the confidentiality and security of the Personal Information we collect about you online. Accordingly, we have systems in place to ensure our online dealings with you are as secure and confidential as your dealings with us in person, or on the telephone.
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About information you provide
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The type of information we collect from you will depend on what information you provide on the website.
We may use information, including contact details, which we gather through your use of the bnext website.
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