1. About Us
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1. About Us
PT. Bank Commonwealth (“Bank Commonwealth”) is a subsidiary of the Commonwealth Bank of Australia (CBA), which is the largest public financial institution in Australia listed on the Australian Securities Exchange (ASX).
Bank Commonwealth is an established bank serving Retail and SME customers. The Bank offers a range of products and services to meet the financial needs of customer, and seeks to maintain high levels of customer service satisfaction.
Bank Commonwealth is registered and supervised by the Financial Services Authority (OJK) and is a member of Indonesia Deposit Insurance Program (LPS).
As an institution offering financial services, we need to collect, hold and use personal information about you in the course of providing our products and services.
In this policy, "we", "us", "our", and “Bank Commonwealth” means Bank Commonwealth.
2. Your privacy is important to us
We understand that your privacy is important to you, and we value your trust. That's why we protect your personal information and aim to be clear and open about what we do with it. Personal information is information that can be used to identify you.
If you are not a customer of ours, we may collect, hold and use information which you have provided to fulfil the purpose according to your needs.
You do not have to provide your personal information to us when requested. However, if you don't, we may not be able to provide you with a product or service requested or you may not be able to continue using that product or service. We will advise you if such a situation arises.
We may update this policy from time to time, to ensure this policy is consistent with Bank Commonwealth’s latest condition, or changes in prevailing laws in Indonesia. You can always find the most up-to-date version on our website.
In this policy and on our website, we may include links to various third-party websites. Where we do so, the third-parties are solely responsible for their own content and for what they do with any personal information they may collect from their websites.
3. What information do we collect?
We collect personal information about you when you contact us, use our products or services, visit our websites or use our digital apps or other interactions with us.
When you visit our websites, we may collect information such as your location information, IP address, mobile device and network information, and any third-party sites you access. For more information, please refer to the Cookies section.
We may also collect information about you from others – for example if you apply for credit, we may ask a credit reporting body for your credit report. We may also collect information about you that is publicly available (for example, in public registers, print publications, audio visual media, online, or social media) or provided by third parties we deal with.
Further information on what personal information we collect is available in the terms and conditions that apply to the products and services we provide you.
4. How do we use your information?
We’re careful about how we use and handle your information. We use it to deliver our products and services. We also use your information for other reasons such as to better understand you and your needs, and to let you know about other products and services you might be interested in. Information on how we use your personal information is set out in the terms and conditions that apply to the products and services we provide you.
We collect, use and exchange your information so that we can:
- Confirm your identity
- Assess your application for a product or service
- Design, manage, price and provide our products and services
- Manage our relationship with you
- Minimise risks and help identify or investigate fraud and other illegal activities
- Contact you, for example, when we need to tell you something important
- Improve our services to you and your experience with us
- Comply with laws, and to meet obligations from government and law enforcement agencies
- Manage our business.
We may also collect, use and exchange your information in other ways where permitted by law.
Using data to give you better customer service
We're always working to improve our products and services and give you the best customer experience. Technology helps us do this. We may combine information we have with information available from a variety of external sources. We analyse this data to gain better understanding and useful insights about you, so that we can give you better customer service.
Bringing you new products and services
From time to time, in accordance with the requirements of prevailing laws, we may also use your information, to tell you about products or services we think you might be interested in. To do this, we may contact you by:
- Social media
- Advertising through our apps, websites, or partner third-party websites
If you don’t want to receive direct marketing messages, or want to change your contact preferences, you can do so by contacting us. Information on how to contact us is available in the We’re here to help you section.
5. Who do we share your information with?
We may share your personal information with our related companies. We may also share your information with our partner third parties (both in and/or outside of Indonesia), where this is permitted by law or for any of the purposes described in the How do we use your information? section. If we do this, we make sure there are arrangements are in place to protect your information.
Information on who we share your information with is set out in the terms and conditions that apply to the products and services we provide to you.
6. Checking your credit history
When you apply to us for credit or act as a guarantor, we may check your credit reports. Credit reports give us with information of your credit history. Credit reports are provided by credit reporting bodies, who collect and share credit information with credit providers like us.
Prevailing regulations limit the information we can give to credit reporting bodies, and that they can give us. Regulations also limits how we can use credit reports.
The information we can share with credit reporting bodies includes:
- Your identity
- Type and amount of credit you have — like investment credit, home loans, or personal loans
- How much you’ve borrowed
- If you’ve made all your repayments
Credit reporting bodies include this information in their reports to assist other credit providers to assess your credit worthiness.
We can also ask credit reporting bodies to give us your overall credit score, and may use credit information from credit reporting bodies together with other information to arrive at our own scoring of your ability to manage credit.
What do we do with credit information?
We use information from credit reporting bodies to:
- Confirm your identity
- Assess your credit applications
- Assess your ability to manage credit
- Manage our relationship with you
- Support the collection of overdue payments
We keep your credit information with your other information. You can view this information or ask us to correct it if it’s wrong (see the Accessing, updating, and correcting your information section) or make a complaint to us (see the Making a privacy complaint section).
Other rights you have
Preventing identity fraud — If you think you have been or could be a victim of fraud — for example, if someone else may be using your name to apply for credit — you can ask us not to use or give anyone your credit information, excluding regulators or government bodies, in accordance with the requirements of prevailing laws.
7. Keeping your information safe
We are committed to the security of your information by implementing physical, electronic, and other arrangements that are necessary in protecting and keeping your personal information secure.
Our staff are trained in how to keep your information safe and secure. We use secure systems and buildings to hold your information. We aim to only keep your information for as long as we need it.
We store your hard copy and electronic records in secure buildings and systems, or use trusted third parties. Here are some of the things we do to protect your information.
8. Accessing, updating and correcting your information
It is important that you give us complete and accurate information. We will do our best to ensure that the information we hold about you is accurate. You can check or update your information by contacting us. Information on how to contact us is in the We’re here to help section.
You have rights of access to, and correction of, your personal information held by us.
Can you find out what information we hold?
You can ask us for a copy of your personal information that we hold by visiting a branch or by calling us. Information on how to contact us is in the We’re here to help section.
Is there a charge to request your personal information?
There is no charge for making a request to us, but sometimes we may charge you for the cost that may be incurred for the process required to put together the information you want. If there's a charge, we'll let you know how much it is likely to be, so you can choose if you want to go ahead.How long will it take?
We will respond to your request as soon as reasonably practical. Before we give you the information, we'll need to confirm your identity.
Can we refuse to give you access?
In some cases, we can refuse access or only give you access to certain information. For example where the disclosure of the information would involve the disclosure of information about another person or it would disclose a trade secret.
Can you correct or update your information?
You can ask us to correct or update any personal information we have about you (including credit information) by contacting us. Information on how to contact us can be found in the We’re here to help section. If we've given the information to another party, you can ask us to let them know it's incorrect. We won't charge for this.
If the incorrect information was given to us by a credit reporting body, we may need to check with them or the relevant credit provider before we can change it. We’ll tell you when we’ve corrected the information.
What if we believe the information is correct?
If we don't think the information needs correcting, we'll inform you why. You can ask us to include a statement with the information that says you believe it's inaccurate, incomplete, misleading or out of date.
9. Making a privacy complaint
If you have a concern or complaint about your privacy, let us know and we’ll try to fix it. If you’re not satisfied with how we handle your complaint, there are other things you can do.
How can you make a complaint?
We try to get things right the first time —but if we don’t, we’ll do what we can to fix it. If you are concerned about your privacy (including credit information), you can make a complaint and we’ll do our best to sort it out.
To make a complaint, contact one of our staff or customer service teams. We’ll look into the issue and try to fix it straight away. If you’re not satisfied, you can call our complaint service team. See the We’re here to help section for more details.
What else can you do?
If you're not satisfied with how we manage your complaint after you've been through our internal complaints process, you are entitled to resolve the dispute through independent dispute resolution services.
10. We’re here to help
If you want to update your personal information, or if you have a concern or complaint related to privacy, need more information, or want to update your preferences — you can contact us by visiting our nearest branch or reach the Call CommBank service at 1500 30 or (62-21) 2935 2935 (international access) or by sending an email to email@example.com.
We use technology in order to offer you the most convenient, secure and relevant services. An example of the technology that we use is a "cookie". Cookies are very small text files that your browser stores on your computer when you visit certain websites. When you visit a website that has issued a cookie, your browser sends the data stored in that cookie back to the website's server.
You may be able to configure your browser to notify you when you are offered a cookie and decide whether or not to accept it. You may choose not to accept cookies when browsing our websites. However, you may be unable to log in to our secure services without accepting the cookies outlined above.
This policy is bilingual in both Indonesian and English. In the event there are inconsistencies in the explanations or requirements between the Indonesian and English versions or if there is any dispute on the meaning or interpretation, the Indonesian version shall prevail.