Cookie statement

Qudos Bank uses first-party and third-party cookies on our website and in our emails to enhance your browsing experience, personalise content, track engagement, and improve our services. Cookies help us remember your preferences and measure the effectiveness of our marketing. By continuing to use our website or interacting with our emails, you consent to our use of cookies. You can manage cookie settings in your browser, but restricting them may affect website functionality.

We use personal information and cookie data only as outlined in our Privacy Policy, relevant website-specific privacy terms, and this cookie statement. To learn more, read our Privacy Policy.

What are cookies?

Cookies are text files containing small amounts of information stored on your computer or device by your web browser (such as Google Chrome or Safari) at the request of a site you’re viewing. This allows the site you’re viewing to remember things about you, such as your preferences and history or to keep you logged in.

For the purpose of this statement, the term ‘cookies’ broadly includes technologies such as Local Storage and Session Storage.

For the purposes of this document, cookies also include tracking pixels – these are clear graphic images (typically one pixel in size) that are loaded when you visit our website or open an email from us. These tracking pixels can be used to check whether you have clicked or opened an email from us or visited our website.

Cookies may be stored on your computer for a short time (such as only while your browser is open) or for an extended period of time, even years. Cookies not set by this site will not be accessible to us.

How we use cookies

We may use cookies for the following purposes:

• to register and maintain your preferences. This includes ensuring that you can stay logged in and keeping the site in the language or appearance that you requested.
• to understand your interests so that we can personalise your experience and tell you about products that may be of value to you.
• to determine how people are using the site and improve it.
• to deliver online advertising where advertisements are placed on third-party websites. Third-party cookies for things like Facebook or Google (more information on third-party cookies is found below) will generally be set by the third-party independently, so this site will have no ability to access them.
• to deliver personalised emails to you with unique link tracking (more information on this is found below).
• to track and report aggregated email engagement and website usage.
• to auto-populate form fields.

Third party advertising and link tracking

We may use third-party service providers ("Service Providers") to:

• deliver online advertising where advertisements are placed on third-party websites; and
• send emails to you (including emails containing marketing material). Our emails contain a number of hyperlinks, each of which has a unique tag. When you click on one of these links:
  
  • you will automatically be redirected to the relevant page on our website; and
  • your click will be logged, which enables us to understand who has clicked through from an email to visit our website. We may use this information to tailor future messages to you.

When you view a Qudos Bank advertisement on a third-party website or if you open an email from us (including when you click any hyperlinks in our emails), the Service Provider uses cookies to collect information such as:

• the server your computer is logged onto.
• your browser type.
• the performance of our marketing efforts.
• your IP address and location data (i.e. your geo-location at the time you access the advertisement or email).
• (if an advertisement) the date and time of your visit.
• (if an email from us):
  
  • your email address.
  • whether you have opened the email.
  • how often you have opened it.
  • how you interacted with the email (such as the time you opened the email and the time spent reading the email).
  • what time you clicked on any of the links in the email and which link(s) you clicked on.
  • which email software you used.
  • device information including which device you used.

When you access the Qudos Bank website after viewing a Qudos Bank advertisement on a third-party website or clicking a link in an email sent to you by us, the Service Provider may collect information on how you use the Qudos Bank website (e.g. which pages you have viewed), which may include whether you complete an online application. This information (together with the above information collected by the Service Provider) is then disclosed to Qudos Bank by the Service Provider.

The Service Provider and Qudos Bank use this information to perform statistical analysis of aggregate user behaviour, which may include the collection of personal information.

In addition, Qudos Bank also uses web analytics service providers to collect information on how you use the Qudos Bank website, using cookies to collect information similar to that collected by the Service Provider.

We use the above analyses to measure advertising effectiveness and relative consumer interest in the various areas of the Qudos Bank website. As a general rule, personal information may be collected in this process. If this occurs, and the collection is by the Service Provider, it is required under their arrangements with Qudos Bank to maintain the privacy and confidentiality of that personal information.

We will only use personal information or information generated by cookies in accordance with our Privacy Policy, any specific and additional provisions relating to privacy which apply to certain areas of the Qudos Bank website and as otherwise set out in this cookie statement.

How to control cookies

You are free to change your web browser’s preferences or settings to prevent the acceptance of cookies. If you do not wish to accept cookies:

• on our website, you can set your web browser to restrict or disable them. Most browsers allow you to change your cookie settings, normally found in the settings menu of your browser. If you disable cookies, you may not be able to use all the interactive features of our website; and
• from our emails, you can simply:
  
  • set your browser to restrict cookies or to reject them entirely. These settings will apply to all cookies whether included on websites or in emails;
    
  • configure your emails not to display images because in some instances, depending on your email or browser settings, cookies in an email may be accepted if images are automatically displayed; and
  • close the email without downloading any images or clicking on any links because our process for delivering emails may cause cookies to be accepted when you download images or click on a link in the email.

Please refer to your email browser or device instructions for more information on the above.

Third party websites

The Qudos Bank website contains links to the websites of third party providers of goods and services ("Third Party websites"). If you have accessed Third Party websites through the Qudos Bank website and if those third parties collect information about you, Qudos Bank may also collect or have access to that information as part of our arrangements with those third parties. Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Acceptance and changes to statement

You acknowledge and accept that your use of the Qudos Bank website indicates your acceptance of the Qudos Bank Cookie Statement/Privacy Policy.

Qudos Bank may make changes to this statement from time to time for any reason. We will publish those changes on our website.

If you have any questions or concerns relating to the cookies on our website, please contact us on 1300 747 747.