ONLINE SERVICES TERMS AND CONDITIONS S E P T E M B E R

Save this PDF as:

Size: px
Start display at page:

Download "ONLINE SERVICES TERMS AND CONDITIONS S E P T E M B E R 2 0 1 3"

Transcription

1 ONLINE SERVICES TERMS AND CONDITIONS S E P T E M B E R

2 This document sets out the terms and conditions ( Terms and Conditions ) that govern the use of the DDH Graham Limited ( DDH, we or us ) Online Services, accessible through the DDH website at ( Site ). These Terms and Conditions must be read in conjunction with the terms and conditions governing the account ( Account ) held by a client ( Account Holder or you ) with us, fees and charges and any other relevant Product Information Booklets. Together, all these documents will form the complete Terms and Conditions or Product Disclosure Statement for the DDH products you use, including your Account. How do these Terms and Conditions affect you? You confirm that you have read and agree to these Terms and Conditions. You will ensure that each person you authorise to access or operate your Account (referred to Online Service Users, as described below) abides by these Terms and Conditions. You must pass on these Terms and Conditions to each of those persons. Please contact DDH if you require further copies of these Terms and Conditions. You, the Account holder, are responsible for the actions of all Online Services Users (as described below). Need to know more? You can contact us as follows if you would like further information, or a copy of any other Terms and Conditions, Product Information Brochures or Product Disclosure Statements: DDH Graham Limited General Enquiries: Phone: (07) (8.00am 5.30pm Mon-Fri AEST) If calling outside Australia Business address: Level Queen Street Brisbane QLD 4000 Postal Address: GPO Box 330 Brisbane QLD 4001 Money Market Division: Phone: (07) or (8.00am 5.00pm Mon-Fri AEST) Fax: (07) ONLINE SERVICES TERMS AND CONDITIONS PAGE 2 OF 8

3 Funds Management: Phone: (07) (8.00am 5.30pm Mon-Fri AEST) Fax: (07) Features and Benefits The following Online Services are available for some of the accounts we offer: Account balance enquiry Transaction history enquiry Download transaction details and export those details Transfer of funds between your Account and nominated external bank accounts ( Nominated Accounts ) Regular payment enquiry (regular savings plans and periodical payments) Statement view reprint Confirmation of your Account contact details Define that more than one person must authorise transactions to Nominated Accounts Send secure messages to us Link multiple Accounts for viewing under a single login Payments upload facility Change your secure password Registration for Online Services You must register in order to access Online Services. You can register for Online Services in your Application Form or at a later date by completing an Online Services Registration Form and returning the completed form to us by mail, by fax or by attachment using the contact details above. Your Online Services registration provides us with details such as the Accounts that will linked to Online Services, how many people are required to authorise transactions to Nominated Accounts and other requests (e.g. requests for information). The information provided in your Online Services registration will override any contrary instructions that have been provided in relation to other access methods for your Accounts (e.g. how many people are required to sign cheques or withdrawal forms). Unless you have indicated otherwise in your Online Services registration, we will consider that the default setting applies, being that any one signatory to the Account may authorise transactions. You must nominate an address, which we may use to provide you with notifications, alerts and messages. You should notify us in writing immediately if your address changes. ONLINE SERVICES TERMS AND CONDITIONS PAGE 3 OF 8

4 Types of Online Services Users There are three types of people who can access accounts through Online Services (all referred to as Online Services Users in these Terms and Conditions): An account holder with authority to operate his/her Account individually; An Authorised Signatory, who has been granted third party access to operate the Account on behalf of the account holder (including a person acting under a power of attorney, stockbroker or financial adviser); and A Delegated Third Party, who has been granted access to the Account by the account holder for the purpose of obtaining information only (including a self managed superannuation administrator or managed portfolio services provider under a limited power of attorney). Authorised Signatories and Delegated Third Parties The following rules apply when you provide Online Services access to your Account to third party Online Services Users (Authorised Signatories and Delegated Third Parties): You must register any Authorised Signatory or Delegated Third Party for Online Services on the initial Account Application Form you complete, or by subsequently completing the required third party access registration form; Any Authorised Signatory who has been granted access to operate your Account will have access to the full Online Services as if that person was the holder of the Account; Each Authorised Signatory or Delegated Third Party who is granted Online Services access to your Account will be issued with their own login details (user name and password); You are liable for any fees or charges incurred by each Authorised Signatory and Delegated Third Party ; and You must notify DDH in writing if you intend to cancel any Authorised Signatory or Delegated Third Party access to your Account. We will cancel the corresponding third party access within 2 business days of receipt of your cancellation request. You will be responsible for all actions of the Authorised Signatory or Delegated Third Party until your cancellation request has been processed. Transactions processed via Online Services Some of our accounts allow you to transfer funds from your Account to a Nominated Account. Where this feature exists, the following applies: Withdrawals initiated by you from your Account can only be credited to Nominated Accounts; Withdrawals initiated by your Authorised Signatory may be transferred to your Nominated Accounts or to any third party account; Your standard daily withdrawal limit for each of your Accounts is $10, You may apply for a temporary or permanent increase to this daily limit by applying to DDH and accepting the terms and conditions of the increased withdrawal limit; ONLINE SERVICES TERMS AND CONDITIONS PAGE 4 OF 8

5 Your Authorised Signatory has a standard daily withdrawal limit of $100, per Account. This daily limit may be increased at the discretion of your Authorised Signatory by them contacting DDH and requesting an increase to process a withdrawal transaction on your behalf; Once you have entered online instructions, they cannot be stopped. You are responsible for ensuring that you transfer the correct amount of money to the correct account; We will act on instructions only in accordance with these Terms and Conditions and any specific terms and conditions governing your Account; When we have instructions for more than one payment from your Account, we will determine the order of priority in which payments are made; Transactions will only be processed on business days for requests correctly entered and authorised prior to 3.30pm; If we have processed your instructions and are then notified by the receiving institution that the funds cannot be deposited into the account you have nominated, we will return the funds, less any fees incurred, to the account from which the funds were transferred; and Online instructions will not be processed if: o All necessary information is not provided; o There are insufficient funds available in your Account from which the funds are to be transferred; o The amount of the transfer exceeds the maximum online transfer amount or daily limit; o There is a restriction recorded against the Account that prevents the funds transfer; or o We are restricted or prohibited by law, regulation, the requirement of a government or similar authority (including the Reserve Bank of Australia) or industry code from permitting the transfer to occur. Termination and Suspension Our agreement to provide you, the Account Holder, Online Services commences on the date we accept your Online Services registration (including a request for access to Online Services in your Account Application Form) and continues until it is terminated in accordance with these Terms and Conditions. We can terminate your access to Online Services if no User has successfully logged into Online Services for a period of 90 days or your Account has been closed. You can terminate your Online Services access, or the access granted to any Authorised Signatory or Delegated Third Party by notifying us in writing. Your Authorised Signatory or Delegated Third Party may terminate their own access at any time by notifying us in writing. We can suspend your access to Online Services if: We believe that use of Online Services may cause loss to you, DDH or any underlying product issuer; We believe that the quality or security of Online Services is inadequate; We are required to do so by law or court order; If we consider your use of Online Services to be inappropriate; We are otherwise obliged to discontinue the provision of Online Services; or ONLINE SERVICES TERMS AND CONDITIONS PAGE 5 OF 8

6 You, your agent or someone acting under your direction, is suspected of being involved in fraudulent activity in dealing with us. Risks You acknowledge and agree that: All access to, and use of, the Site and the Online Services is at your own risk; Once a transaction has been confirmed through Online Services, it cannot be stopped; You, the Account Holder, are liable for all actions (including any debts incurred on your Account) by any Authorised Signatory or Delegated Third Party; and There is a risk of unauthorised transactions occurring on your Account because of computer or human error or fraud. You must ensure that your login details are always kept secure to avoid, so far as possible, unauthorised access to any Account. Warranties We do not warrant: That the Online Services provided via the Site will be available at all times, will be uninterrupted or error-free; or The quality, accuracy or fitness of the Online Services for any particular purpose. Protecting your Online Services access details The security of your login details (user name and password) is important as anyone who has them may be able to operate your Accounts. You must make every effort to ensure that your login details are not misused, lost or stolen. Protecting your Password When you change your password, we suggest you choose a password that can be remembered without the need to record it. You must avoid using any number or word that may be linked to you by other persons such as your date of birth or any other alphabetical code which is a recognisable part of your name. What to do if you think that your security has been compromised Tell us immediately You must tell us immediately if you have lost your login, forgotten your password or suspect that unauthorised transactions have been carried out on your Account. You will need to give us all relevant information so that we can suspend access to any Account linked to Online Services until replacement codes are issued. You are liable for all losses resulting from ONLINE SERVICES TERMS AND CONDITIONS PAGE 6 OF 8

7 transactions that are carried out by any person with your knowledge or authority or using your login details. Liability for unauthorised transactions When are you NOT liable? You will not be liable for losses that you incur or suffer as a result of: The fraudulent or negligent conduct of our staff or agents or companies involved in networking arrangements; Forged, faulty, expired or cancelled components of Online Services (e.g. a cancelled password); The same account being incorrectly debited more that once (duplicated payment); or A transaction by an Online Services User that is processed more than 2 business days after we receive your request to suspend or cancel the Online Services access granted to that Online Services User. When ARE you liable? You will be liable for any unauthorised transaction that is processed as a result of: Fraud; Faulty equipment, or an equipment malfunction for equipment belonging to Online Services Users; The voluntary disclosure of your login details to anyone, including family or friends; Your selecting a password representing your date of birth, name or any numeric or alphabet code that is a recognisable part of your name; or Your failure to protect your login details. Indemnity To the extent permitted by law, you, the Account holder, will indemnify us and keep us indemnified against all claims, losses, damages, costs and expenses (including reasonable expenses as between solicitor and client) that we may suffer or incur as a result of or in connection with any claim, demand or action of any kind brought against us because you or anyone acting with your authority acted negligently or fraudulently or breached these Terms and Conditions. Limitation of our liability We are not liable for: Any loss, expense or damage arising out of the inaccuracy of instructions given by any Online Services User; Any losses caused by the failure of our system or equipment to accept any Online Services User s instructions; For the unavailability or loss of access to Online Services under any circumstances; The refusal of any receiving institution to accept the electronic transaction. ONLINE SERVICES TERMS AND CONDITIONS PAGE 7 OF 8

8 Changes to these Terms and Conditions We may change our Online Services, fees and charges as well as amend these Terms and Conditions from time to time. We will tell you of changes to these Terms and Conditions in accordance with the law and any code to which we subscribe. We will display any changes on the Site and notify you by advising you there has been a change to these Terms and Conditions on login to the Site: Introduce a new fee or charge; Increase your liability for losses relating to Online Services; or Impose, remove or adjust transaction limits which apply to the use of an access method, Account or electronic equipment. Privacy We will collect, use and disclose all personal information required in connection with the Online Services in accordance with all applicable laws as well as our Privacy Policy, available at You will inform any other User who has access to Online Services for your Account that we have collected their personal information in connection with the Online Services and that the collection, use and disclosure of their personal information will be in accordance with all applicable laws as well as our Privacy Policy. ONLINE SERVICES TERMS AND CONDITIONS PAGE 8 OF 8

Internet and Phone Banking. Terms and Conditions and Important Information

Internet and Phone Banking. Terms and Conditions and Important Information Internet and Phone Banking Terms and Conditions and Important Information Effective Date: 20 March 2013 This booklet sets out terms and conditions for Bank of Melbourne Internet and Phone Banking, along

More information

Customers interested in these services are advised to contact the Bank for further details or visit our website at www.sainthelenabank.

Customers interested in these services are advised to contact the Bank for further details or visit our website at www.sainthelenabank. Online Banking Terms & Conditions These terms and conditions apply to all registered customers ( Registered Customers / you / your ) using Bank of St Helena Ltd ( the Bank / we / our ) banking services

More information

The Community Mutual Group Visa Credit Card Conditions of Use

The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of Community Mutual Ltd: ABN 21087650360 :

More information

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E American Express Credit Card Conditions, Financial Services Guide and Credit Guide December 2010 AU027108E Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW

More information

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES

More information

time for a Savings Maximiser

time for a Savings Maximiser time for a cuppa Savings Maximiser Terms and Conditions Date: 1 August 2011 1 Contents Do I really need to read this? 1. It s nice to feel welcome A snapshot view of an ING DIRECT Savings Maximiser 5 About

More information

Lombard Visa Card Account Conditions of Use

Lombard Visa Card Account Conditions of Use Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract

More information

and Conditions Business Telephone Banking

and Conditions Business Telephone Banking Terms and Conditions Business Telephone Banking Effective as at 18 April 2015 Contents Introduction 3 Your Bank 3 Our obligation to you 3 Features 4 Description 4 Bank Undertaking Security Deposit Accounts

More information

T s And C s. General terms. It s Ours. Effective April 2015

T s And C s. General terms. It s Ours. Effective April 2015 T s And C s. General terms and Effective conditions April 2012 Effective April 2015 It s Ours. a What s Inside Here. General provisions 1 1. What are these terms about? 1 2. When can our terms and product

More information

American Express. Business Credit Card Conditions

American Express. Business Credit Card Conditions American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia

More information

DDH MANAGED FUNDS. Additional Information Guide. Page 1

DDH MANAGED FUNDS. Additional Information Guide. Page 1 DDH MANAGED FUNDS Additional Information Guide Page 1 This Additional Information Guide (Guide) provides important additional information that forms part of the PDS. Issue Date: 15 December 2015 This Guide

More information

credit card Conditions of Use

credit card Conditions of Use VISA credit card Conditions of Use EFFECTIVE FROM 20 MARCH 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION VISA CREDIT CARD 1 Contents 1. Introduction 3 2. Additional Cards 3 3. Application

More information

ANZ Online Saver Terms and Conditions

ANZ Online Saver Terms and Conditions ANZ Online Saver Terms and Conditions February 2008 This document contains terms and conditions for the following: > ANZ Online Saver Account > ANZ Internet Banking > ANZ Phone Banking > ANZ Mobile Phone

More information

Loan Contract Terms and Conditions booklet with:

Loan Contract Terms and Conditions booklet with: Loan Contract Terms and Conditions booklet with: Mortgage conditions; and Direct Debit Request Service Agreement This booklet contains some of the terms and conditions that apply to a loan we offer Borrower(s)

More information

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions

More information

Lombard Visa Card. Terms and Conditions

Lombard Visa Card. Terms and Conditions Lombard Visa Card Terms and Conditions Last Updated 30 Feb 2008 CONTENTS Lombard Visa Card Conditions of Use... pg 1-27 Part A: The Visa Card Account... pg 4-15 Part B: The Lombard Visa Card... pg 16-27

More information

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

More information

Further Information Guide

Further Information Guide Further Information Guide The following information is incorporated by reference in the current Macquarie Cash Management Account (Account) Product Information Statement and must be read in conjunction

More information

Diners Club Corporate Travel System Terms and Conditions

Diners Club Corporate Travel System Terms and Conditions Diners Club Corporate Travel System Terms and Conditions Contents 1 Definitions 4 2 Accepting these Terms and Conditions 7 3 Authorised Users and Authorised Cardholders 7 4 Authorised Travel Agents 7

More information

Agcess Visa Card Terms and Conditions

Agcess Visa Card Terms and Conditions You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available

More information

Internet Banking Terms and Conditions

Internet Banking Terms and Conditions Internet Banking Terms and Conditions These Terms and Conditions apply to the use by you, the customer, of the Internet banking service provided by us, ICICI Bank Limited, Bahrain Branch (the Bank ). They,

More information

Business Internet Banking Agreement Effective November 12, 2012

Business Internet Banking Agreement Effective November 12, 2012 Business Internet Banking Agreement Effective November 12, 2012 PRINT AND RETAIN THIS FOR YOUR RECORDS 1. AGREEMENT This Agreement is a contract that establishes the rules that cover your electronic access

More information

What you need to know about your HSBC Credit Card. effective 25 October 2014

What you need to know about your HSBC Credit Card. effective 25 October 2014 What you need to know about your HSBC Credit Card effective 25 October 2014 Visa Credit Cards Customer Service Centre For customer service, lost or stolen or PIN queries: Call 132 152 Within Australia

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015 As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.

More information

VISA DEBIT CARD CONDITIONS OF USE

VISA DEBIT CARD CONDITIONS OF USE GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit

More information

7-Eleven Prepaid Visa Card

7-Eleven Prepaid Visa Card 7-Eleven Prepaid Visa Card TERMS AND CONDITIONS 03.2013 Terms & Conditions of the Card Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ( ANZ ), AFSL 234527 is the issuer of this 7-Eleven

More information

American Express Credit Card Terms & Conditions

American Express Credit Card Terms & Conditions American Express Credit Card Terms & Conditions New Zealand July 2011 This booklet sets out the respective rights and obligations of you and American Express International (NZ), Inc. concerning the American

More information

CONDITIONS OF USE for GREATER CREDIT CARDS

CONDITIONS OF USE for GREATER CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

More information

Online (Internet) Banking Agreement and Disclosure

Online (Internet) Banking Agreement and Disclosure Online (Internet) Banking Agreement and Disclosure This Online (Internet) Banking Agreement and Disclosure ( the Agreement") explains the terms and conditions governing the basic Online Banking services

More information

TERMS & CONDITIONS of SERVICE for MSKnote. Refers to MSKnote Limited. Refers to you or your organisation

TERMS & CONDITIONS of SERVICE for MSKnote. Refers to MSKnote Limited. Refers to you or your organisation TERMS & CONDITIONS of SERVICE for MSKnote Definitions: "Us or Our or We or Company" You or Your or Client Refers to MSKnote Limited Refers to you or your organisation Information about us: We are MSKnote

More information

Credit Card Contract

Credit Card Contract Credit Card Contract Credit Card Booklet Cardholder enquiries & Lost and stolen cards Telephone : (679) 321 4300 Facsimile : (679) 330 3738 BSP/SecDocTemp006 Page 1 of 21 Template Issue No.3 reviewed 19032012

More information

Queensland Country CU Online, PhoneService and Mobile Banking

Queensland Country CU Online, PhoneService and Mobile Banking Queensland Country CU Online, PhoneService and Mobile Banking Terms and Conditions of Use EFFECTIVE FROM 1 JUNE 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION CU Online, Phone Service

More information

ebanking Terms & Conditions

ebanking Terms & Conditions ebanking Terms & Conditions EFG Private Bank Limited Leconfield House Curzon Street London W1J 5JB Tel: +44 20 7491 9111 www.efgl.com EFG Private Bank Limited is authorised and regulated by the Financial

More information

Important information about your credit card account (Account)

Important information about your credit card account (Account) Important information about your credit card account (Account) This notice is provided with your March 2013 statement of Account and details important information on the following aspects of your Account:

More information

Banking & Finance Policies and Procedures Manual (Extract)

Banking & Finance Policies and Procedures Manual (Extract) Banking & Finance Policies and Procedures Manual (Extract) This extract comprises the sections of the Policies and Procedures Manual developed by the Banking & Financial Services Ombudsman which deal with:

More information

Bill Payment Service

Bill Payment Service Rev 4.2015 Online Banking Access Agreement of Terms and Conditions This Online Banking Access Agreement contains the terms and conditions that govern your use of Online Banking. By accessing your accounts

More information

credit cards Our terms and conditions for Your credit card

credit cards Our terms and conditions for Your credit card credit cards Our terms and conditions for Your credit card Contents PAGE 4 Introduction and Definitions Scope Agreement Read these Terms and Conditions Over-riding laws Guarantees as to service Interpretation

More information

Great Wall International. Debit Card (GWI Debit Card)

Great Wall International. Debit Card (GWI Debit Card) Great Wall International Debit Card (GWI Debit Card) Product Disclosure Statement and Conditions of Use Dated at 24 January 2013 Prepared by Bank of China (Australia) Limited ABN 28 110 077 622 AFS Licence

More information

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Farmers & Merchants Savings Bank Online Banking Agreement 1. The Service. In consideration of the Online Banking services (hereinafter

More information

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card This Agreement applies to Your Virtual card. You must read it carefully. By applying

More information

Casey State Bank Online Banking Agreement and Disclosure

Casey State Bank Online Banking Agreement and Disclosure Casey State Bank Online Banking Agreement and Disclosure Please carefully read this entire agreement and keep a copy for your records. By pressing the I ACCEPT button, you agree to the terms and conditions

More information

Online Services terms and conditions

Online Services terms and conditions Online Services terms and conditions 1. Who we are 1.1 Your account is with OneSavings Bank plc trading as KRBS and Kent Reliance Banking Services. For information about our Group please visit www.onesavingsbank.com.

More information

Rothschild Visa Card Terms and Conditions

Rothschild Visa Card Terms and Conditions Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007

More information

Peoples Online Services and E-Sign Agreement

Peoples Online Services and E-Sign Agreement Peoples Online Services and E-Sign Agreement This Peoples Online Services Agreement and Disclosure ("Agreement") explains the terms and conditions governing basic online services and bill pay services

More information

Viva Energy may from time to time amend, delete or supplement these Terms and Conditions. Any change takes effect from the earlier of:

Viva Energy may from time to time amend, delete or supplement these Terms and Conditions. Any change takes effect from the earlier of: SHELL CARD ONLINE TERMS AND CONDITIONS VERSION: AUGUST 2014 1. SCOPE 1.1 These Terms and Conditions apply to use of the Shell Card Online (SCOL) web programme accessible via www.vivaenergy.com.au, by a

More information

VI. Protecting Your Account A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your First National Bank of Kemp Accounts

VI. Protecting Your Account A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your First National Bank of Kemp Accounts You agree that any information or disclosures or notices supplemental to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication,

More information

Commercial Online Banking

Commercial Online Banking These terms form the agreement between us, Metro Bank PLC and you, a business customer and apply to the Commercial Online Banking Service (Commercial Online Banking) provided by us. Commercial Online Banking

More information

Our standard terms and conditions for Your Advanced Personal Loan.

Our standard terms and conditions for Your Advanced Personal Loan. Our standard terms and conditions for Your Advanced Personal Loan. For loans approved on or after 6 June 2015 6 June 2015 Important Information The information set out below forms part of your disclosure

More information

The Superannuation Clearing House Online Product Disclosure Statement

The Superannuation Clearing House Online Product Disclosure Statement Product Disclosure Statement Date prepared: 8 October 2012 Issued by: Pacific Custodians Pty Limited, ABN 66 009 682 866 Australian Financial Services Licence No. 295142 Operated by: The Superannuation

More information

Important information. Terms and Conditions for Savings Accounts

Important information. Terms and Conditions for Savings Accounts Important information. Terms and Conditions for Savings Accounts Effective 11 February 2014 Hello. Inside. 1. UBank accounts 2. Account transactions 3. Communicating with you 4. UBank Online and Telephone

More information

1. DEFINITIONS. Big Sky Building Society. www.bigsky.net.au

1. DEFINITIONS. Big Sky Building Society. www.bigsky.net.au Big Sky Visa Credit Card Conditions of Use These Conditions of Use are effective from 1 June 2015 except as otherwise advised in writing and replace all VISA Credit Card Conditions of Use previously issued.

More information

1. What you need to know about these conditions of use

1. What you need to know about these conditions of use ANZ Electronic Banking Conditions of Use Effective 9 December 2015 1. What you need to know about these conditions of use These conditions of use set out some specific information about the following services

More information

American Express Business Credit Card Cardmember Agreement

American Express Business Credit Card Cardmember Agreement American Express Business Credit Card Cardmember Agreement Effective June 2010 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards in

More information

Fine print made simple.

Fine print made simple. Fine print made simple. Business Optimiser Terms and Conditions Date: 12 March 2014 Do I really need to read this? This brochure may have a few pages and take a little while to read, but it s important.

More information

Low Rate Visa Card Terms and Conditions

Low Rate Visa Card Terms and Conditions Low Rate Visa Card Terms and Conditions This document forms part of your credit contract and should be read with the Credit Card Contract Schedule which also forms part of your credit contract. 1 Effective

More information

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Agreement This Agreement is a contract which establishes the rules governing your electronic access

More information

St.George 360 Online Account.

St.George 360 Online Account. Effective Date: 20 March 2013 ST20268_03/13_315612_D1 St.George 360 Online Account. Terms and Conditions, Fees and Charges and General Information This page is left blank intentionally. This booklet sets

More information

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Page 1 bankwest.com.au Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Terms and Conditions 30 November 2015 This booklet covers the terms and conditions that apply to the Bankwest

More information

AdvantageCard Rewards Program. Terms & Conditions - Business

AdvantageCard Rewards Program. Terms & Conditions - Business 1 AdvantageCard Rewards Program Terms & Conditions - Business Subject to clause 9.3, the Terms and Conditions set out a Cardholder s rights and obligations under the AdvantageCard Business Rewards Program.

More information

NBB INTERNET BANKING TERMS AND CONDITIONS

NBB INTERNET BANKING TERMS AND CONDITIONS NBB INTERNET BANKING TERMS AND CONDITIONS Please read the following Terms and Conditions carefully. Access to and use of the National Bank of Bahrain B.S.C. (thereafter referred to as NBB) Internet Banking

More information

Home State Bank Online Access Agreement

Home State Bank Online Access Agreement Home State Bank Online Access Agreement Introduction Before you begin using this service, please read these terms and conditions carefully. By selecting the "I Agree" button below and through the continued

More information

Gem Visa Conditions of Use

Gem Visa Conditions of Use Gem Visa Conditions of Use gemvisa.co.nz Disclosure Statement Financial Advisers Act 2008 The information provided in this statement is important and may assist you in selecting a financial services provider,

More information

MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT

MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT MIDDLESEX SAVINGS BANK ONLINE BANKING AGREEMENT 1. Online Banking This Agreement made between you and Middlesex Savings Bank (the "Bank") governs the use of Online Banking services (the "Service"). The

More information

Visa Company Card CONDITIONS OF USE

Visa Company Card CONDITIONS OF USE Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company

More information

ACCESS TO ACCOUNTS VIA THE INTERNET.

ACCESS TO ACCOUNTS VIA THE INTERNET. Internet Banking Service Agreement Terms and Conditions This Internet Banking Services Agreement Terms and Conditions (Agreement) between you and Glacier Bank govern the use First Security Bank, a Division

More information

product disclosure statement

product disclosure statement Business Telephone Banking product disclosure statement incorporating Terms and Conditions for using the service effective date: 19 December 2008 2 Conten ts Introduction 3 Your Bank 3 Our obligation to

More information

BOQ Money Market Deposit Accounts

BOQ Money Market Deposit Accounts BOQ Money Market Deposit Accounts Call Account Term Deposit Account Product Information Brochure 30 November 2015 Product Issuer: Bank of Queensland Limited ABN 32 009 656 740 AFS Licence No. 244616 Product

More information

BSP ONLINE BUSINESS BANKING TERMS & CONDITIONS

BSP ONLINE BUSINESS BANKING TERMS & CONDITIONS BSP ONLINE BUSINESS BANKING TERMS & CONDITIONS BSP Online Business Banking Terms & Conditions 1.0. Introduction 1.1. In these Terms and Conditions, certain words and phrases, usually beginning with capital

More information

Trading Terms and Conditions.

Trading Terms and Conditions. Trading Terms and Conditions. By opening an account with Us through the Intermediary, you agree to the terms contained below. 1. How do I open an account? 1.1 You can apply for a Trading Account with Us

More information

Team Anywhere EMAIL ORDER FORM

Team Anywhere EMAIL ORDER FORM 1. Applicant Details Team Anywhere EMAIL ORDER FORM Please complete and return this form to: Quincerto Group (NZ) Ltd, PO Box 31-248, Christchurch, New Zealand Telephone: 0508 332 537 Fax: 03 342 6109

More information

Bank of Scotland Private Banking Savings Accounts

Bank of Scotland Private Banking Savings Accounts Bank of Scotland Private Banking Savings Accounts Terms and Conditions Applicable to: Premier Investment Account Premier Reserve Account (for Personal Customers) Premier Reserve Account (for Trusts) 3

More information

Business Account. Terms and conditions

Business Account. Terms and conditions Business Account Terms and conditions Terms and conditions Business Account Please read and keep your business account terms and conditions (conditions) in a safe place. These conditions (including those

More information

Go Home Loan. Terms and Conditions HOME LOANS. Effective June 2014 THE FINE PRINT

Go Home Loan. Terms and Conditions HOME LOANS. Effective June 2014 THE FINE PRINT Go Home Loan Terms and Conditions Effective June 2014 THE FINE PRINT HOME LOANS CONTENTS PURPOSE OF THESE TERMS AND CONDITIONS 1 The purpose of these Terms and Conditions 4 Status of these Terms and Conditions

More information

ONLINE BANKING DISCLOSURE AND AGREEMENT

ONLINE BANKING DISCLOSURE AND AGREEMENT ONLINE BANKING DISCLOSURE AND AGREEMENT Please note: Our website is best viewed using the most updated version of Microsoft Internet Explorer, Apple Safari (Mac, iphone, ipad, etc.), Google Chrome, and

More information

Business Electronic Funds Transfer Disclosure Statement and Agreement

Business Electronic Funds Transfer Disclosure Statement and Agreement ESL Federal Credit Union Business Electronic Funds Transfer Disclosure Statement and Agreement ESL Visa Business Check Card TEL-E$L ESL Business Internet Banking ESL Online Bill Pay 1. INTRODUCTION This

More information

CREDIT CARD. Our terms and conditions for. Your credit card

CREDIT CARD. Our terms and conditions for. Your credit card CREDIT CARD Our terms and conditions for Your credit card 1 Introduction and Definitions 1.1 Scope These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including

More information

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL I. General Terms and Conditions A. Introduction CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL This Internet Banking Service Agreement ("Agreement") governs the

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT BUSINESS ACCOUNTS

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT BUSINESS ACCOUNTS WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT BUSINESS ACCOUNTS This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking services

More information

ANZ Expense Manager TERMS AND CONDITIONS 03.10

ANZ Expense Manager TERMS AND CONDITIONS 03.10 ANZ Expense Manager TERMS AND CONDITIONS 03.10 Contents 1 Introduction 4 2 Defined Terms 4 2.1 Interpretation 7 2.2 Customer More Than One Person 8 3 Provision of ANZ Expense Manager 8 4 ANZ Expense Manager

More information

investment portfolio service

investment portfolio service investment portfolio service overview Cavendish is a specialist administrator of Self Managed Superannuation Funds (SMSFs). Our overriding business objective is to provide our clients the Trustees of the

More information

STATE BANK OF INDIA. Rules and Regulations of Internet Banking. General Information:

STATE BANK OF INDIA. Rules and Regulations of Internet Banking. General Information: STATE BANK OF INDIA Rules and Regulations of Internet Banking General Information: 1. The OnlineSBIGlobal registration form(s) should be addressed and sent directly to the branch (i e SBI Hong Kong (the

More information

Conditions of Use and Credit Guide

Conditions of Use and Credit Guide Conditions of Use and Credit Guide Effective July 2014 Credit Guide GE Capital Finance Australia ABN 42 008 583 588, Australian Credit Licence Number 392145. This credit guide gives you some information

More information

KIB Internet Banking Usage Terms and Conditions

KIB Internet Banking Usage Terms and Conditions KIB Internet Banking Usage Terms and Conditions 1. Introduction KIB Internet Banking (IB) service is an Internet based, secure electronic banking service of Kuwait International Bank (the Service ) that

More information

Commercial Internet Banking Agreement and Disclosures

Commercial Internet Banking Agreement and Disclosures Rev. 4/2015 Commercial Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our commercial Internet Banking Service, which permits you to access your accounts with

More information

Time to read the fine print.

Time to read the fine print. Time to read the fine print. Personal Term Deposits Terms and Conditions Date: 31 October 2014 Do I really need to read this? Where to keep your hard earned money safe from temptation isn t a snap decision

More information

Home Trust & Savings Bank www.hometrustbank.com

Home Trust & Savings Bank www.hometrustbank.com Home Trust & Savings Bank www.hometrustbank.com Terms & Conditions Please read the following Electronic Banking Agreement before you sign the enrollment form. GENERAL TERMS This agreement (the Agreement

More information

GATEWAY DEPOSIT ACCOUNTS & ACCESS FACILITIES

GATEWAY DEPOSIT ACCOUNTS & ACCESS FACILITIES GATEWAY DEPOSIT ACCOUNTS & ACCESS FACILITIES General Conditions of Use Effective from 1 March 2013 Gateway Deposit Accounts and Access Facilities are issued by: Gateway Credit Union Ltd ABN 47 087 650

More information

IF YOU CHOOSE NOT TO ACCEPT THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE SERVICES.

IF YOU CHOOSE NOT TO ACCEPT THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE SERVICES. Please take a moment to read these TERMS and CONDITIONS carefully. THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOUR ACCESS AND THE USE OF THIS WEBSITE AND THE SERVICES PROVIDED HEREIN BY MALAYAN BANKING

More information

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking services ("Online Banking")

More information

SURE E-Mail Services Terms and Conditions SURE MAIL

SURE E-Mail Services Terms and Conditions SURE MAIL SURE E-Mail Services Terms and Conditions SURE MAIL Sure offers an E-mail service that allows access to a mailbox provided by a 3 rd party partner ( Service ). The Service is accessed via the internet.

More information

PC Teller Consumer Agreement & Disclosures

PC Teller Consumer Agreement & Disclosures PC Teller Consumer Agreement & Disclosures I. Introduction II. Accessing Your CINCO Accounts through PC Teller A. Requirements B. Electronic Mail (email) C. Fees D. New Services E. Benefits of Using PC

More information

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts

More information

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

More information

Amplify Business of Conditions of Use

Amplify Business of Conditions of Use Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required

More information

Amplify Business Credit Card Conditions of Use.

Amplify Business Credit Card Conditions of Use. Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the

More information

ANZ Electronic Banking

ANZ Electronic Banking ANZ Electronic Banking Conditions of Use Effective 28 October 2015 1. What you need to know about these conditions of use These conditions of use set out some specific information about the following services

More information

LIV TRUST ACCOUNTING ONLINE SOFTWARE

LIV TRUST ACCOUNTING ONLINE SOFTWARE LIV TRUST ACCOUNTING ONLINE SOFTWARE APPLICATION FORM A simple cost-effective solution to enhance efficient practice management. Please complete the following 3 sections and return the form. The set-up

More information

Introductions and Definitions 1. 1. Eligibility 2. 2. Opening an account 2. 3. Initial deposit to your account 3

Introductions and Definitions 1. 1. Eligibility 2. 2. Opening an account 2. 3. Initial deposit to your account 3 HiSAVE SuperSaver Savings Account - Series Issues - Terms and Conditions (Effective from Aug 12, 2015) Sections Page No Introductions and Definitions 1 1. Eligibility 2 2. Opening an account 2 3. Initial

More information