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CONDITIONS
OF USE
IF YOU EXPERIENCE PROBLEMS USING AN ELECTRONIC
Detailed below are the Conditions of Use which apply to your access to and use of an Electronic Banking Service including transactions on your accounts with us made through an Electronic Banking Service. Please read the Conditions of Use and, if you do not understand any part of it, please contact us on 02 9955 6046. The Conditions of Use and accompanying information operate in conjunction with any other legal rights held by you or us. We strongly recommend that you keep a copy of these Conditions of Use as they contain information that could be important to you in the future.
IF YOU EXPERIENCE PROBLEMS USING AN ELECTRONIC BANKING SERVICE 02 9955 6046
Access
Codes Ancillary
Equipment Communication
Network Electronic
Banking Service NetBranch
You and
Your
Any one of these Conditions which purports to exclude, limit or modify our liability to you is subject to any non-excludable liability imposed on us by the Trade Practices Act, 1974.
You must use Access Codes; to use NetBranch and to enable us to identify you. To guard against unauthorised use, it is important that you: • Keep secure
and protected your record of Access Codes.
You must inform us as soon as possible if you become aware of unauthorised use of any one of your Access Codes or of the loss or theft of a record of any of your Access Codes or if you suspect that any of your Access Codes have become known to someone else. NetBranch customers, please telephone us on 02 9955 6046. If you unreasonably delay notifying us, your possible loss as a result of unauthorised transactions on your accounts may increase.
You are not liable for unauthorised use that: • occurs
before you have received the Access Codes that we provide or before you
have established your password, or Please telephone us on 02 9955 6046
We are authorised to act upon all instructions given through the NetBranch Service using your Access Codes. We may, as part of our security procedures, record and retain telephone instructions. Transactions made through the NetBranch Service: • are governed
by these Conditions;
# We may cancel the use of your Access Codes for the NetBranch Service at any time without notice if we believe the Access Codes are being used, or will be used, in a way that will cause losses to you or us.
It is your responsibility to use other means of effecting transactions and obtaining information if for any reason you are unable to use an Electronic Banking Service. We undertake to make all reasonable efforts to ensure that the Electronic Banking Service you use is available to you during the hours specified by us from time to time but we are not liable to you for or in connection with ñ failure of an Electronic Banking Service to perform in whole or in part, any function which we have specified it will perform; the unavailability of an Electronic Banking Service to you in whole or in part because of the failure of the Communication Network, Ancillary Equipment or any circumstance beyond our reasonable control; or delays or errors in the execution of any transaction or instruction because of the Communication Network, Ancillary Equipment or any circumstance beyond our reasonable control.
Contact us as soon as possible if you think: • There
has been a mistake in a transaction made through an Electronic Banking
Service; If we dispute your claim but are unable to resolve the dispute immediately, we will indicate to you the time needed to investigate your claim. We will report to you as soon as possible and generally within 10 business days, giving you the reasons for our decision. If we find an error in your account, we will promptly correct the error, adjust interest and charges to the account accordingly and tell you. If we conclude from our investigations that no error has occurred, you may ask us to - • review
our investigation; If you are not satisfied with our answer, we will advise you of other avenues of dispute resolution available to you. We will take all reasonable steps to ensure that the information that we make available to you through an Electronic Banking Service is correct and updated regularly at the intervals we specify from time to time. We will not be liable for or in connection with any inaccuracy, errors or omissions in that information because of the Communication Network, Ancillary Equipment or any other circumstance beyond our reasonable control. We may from time to time impose such fees and charges for your use of an Electronic Banking Service as shall be notified to you. We are authorised to debit the account nominated by you from time to time for the amount of our fees and charges and with all Government Taxes, duties or charges from time to time imposed on transactions made by your use of an Electronic Banking Service. If at any time there are insufficient funds in your nominated account we are authorised to debit any other of your accounts with the Resources Credit Union. It is your responsibility to obtain and maintain the Ancillary Equipment required to use an Electronic Banking Service. You accept these conditions by using the Access Codes. In turn, we undertake to keep to these Conditions once you have used the Access Codes, subject to our right to vary the Conditions as detailed below.
We reserve the right to vary these Conditions. We will give you at least 30 days written notice if any variation will: • impose
or increase charges relating to your use of an Electronic Banking Service; We will tell you of all other variations in advance through the Electronic Banking Service or in press advertisements or notices in branches. Our obligation to give you advance notice does not apply if variations are required in an emergency to restore or maintain the security of any Electronic Banking Service or of any individual account with us. If there are a lot of changes in a twelve month period we will send you a new brochure setting out all the current Conditions. We fullfil our obligations to give you notice under these Conditions if we post the notice by ordinary mail to the last address you gave us, or advertise in a newspaper, or update the Conditions on our Internet Site and advise any new fees and charges in the Newsletter section of our Internet Site.
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