Uniteller Online Banking Terms and Conditions

Date of issue: November 29, 2007

 

1. Account Access - Terms and Conditions

This document forms part of the Information - Terms & Conditions: Savings Accounts, Fixed Term Deposits and Account Access for Unicredit’s products and services. You should carefully read these Terms and Conditions to decide if a product or service is right for you, based on consideration of your objectives, financial situation and needs. The Terms and Conditions can be obtained at any Unicredit branch. You should also refer to our current Fees and Charges Schedule.

 

2. APPLICATION OF THESE TERMS AND CONDITIONS

• Please read the following Uniteller Terms and Conditions carefully. These Terms and Conditions apply to all members who use The University Credit Society Limited's (Unicredit) online banking service known as Uniteller.
• Your use of Uniteller signifies your acceptance of these Conditions of Use. These Terms and Conditions are available for you to view at any time by visiting the Unicredit web site at www.unicredit.com.au or by contacting any Unicredit branch.
• These Terms and Conditions and the relationship between you and Unicredit are governed by the laws of Western Australia.
• The Credit Union Code of Practice applies to Unicredit's Uniteller online banking service.
• The Electronic Funds Transfer Code of Conduct applies to Unicredit's Uniteller online banking service.

 

3. DEFINITIONS

• 'Access Method' means a method authorised by us for your use and accepted by us as authority to access your Account and make a Uniteller transaction and includes, but not limited to, any combination of; a card, an Account number, card number, expiry date, PIN and password - but does not include a method that requires your manual signature.
• 'Account' means any Savings, Investment or Loan Account held by you with the Society.
• 'Password' means the confidential alphanumeric code chosen by you, which when used in conjunction with your membership number, gives you access to Uniteller.
• 'Society', 'Unicredit', 'we', 'us' or 'our' means The University Credit Society Ltd.
• The 'Service' means the Uniteller online banking service that Unicredit may offer from time to time to enable members to receive information about Accounts and to perform transactions electronically.
• 'You' and 'Your' means the Account holder instructing us through Uniteller. It also includes any third party authorised by you to access and/or operate your Account(s), with the intent that you shall be liable for any use of Uniteller in respect of your Accounts and for any failure of any authorised signatory to observe these Conditions of Use.
• 'Written notice' means notice delivered on paper and does not mean notice delivered by email.

 

4. ELIGIBILITY

• All members of the Society are eligible to access information about their Account/s by using Uniteller once they have registered to use the service and have subsequently been issued with an initial entry password.
• Access will be available to Accounts in the name of
  • Companies,
  • Businesses,
  • Trusts,
  • Partnerships,
  • Clubs and Society's, and
  • Single Accounts.
    
    

Access to funds transfer and bill payment options are not available to those Accounts where multiple (two or more) signatures are required to transact on the Account.

 

5. YOUR RESPONSIBILITY

It is your responsibility to:

• obtain and maintain any equipment such as personal computer, modem and software (collectively 'the equipment'), and any connections which may be necessary to access Uniteller,
• take all reasonable steps to protect the security of the equipment and the privacy of your information,
• ensure the equipment is checked regularly for viruses,
• exercise reasonable care to prevent unauthorised access to the equipment you use for accessing Uniteller, and
• not leave the equipment unattended while you have a Uniteller session open.

 

6. UNICREDIT'S COMMITMENT

• The Society will make every effort to ensure that Uniteller is available to you 24 hours a day, 7 days a week, but we are not responsible for any breakdown or interruption in the service due to circumstances beyond our control.
• The Society will endeavour to ensure that information it makes available to you through the service is, as far as practicable, up to date and correct.
• Transactions made through Uniteller will mostly be processed immediately, however external transfers will be processed according to the working day schedule detailed on the transfer confirmation screen.

 

7. ACCESS PASSWORD

• To access Uniteller for the first time, you will need the Society to provide you with an initial entry password. This will be provided when you register for Uniteller by visiting a branch of the Society during opening hours, or posting a registration form (available by calling the Society on (08) 9389 1011 or downloading a form from www.unicredit.com.au) to the Society (PO Box 3200, Nedlands WA 6009).
• When you use the initial entry password to access the service for the first time, you will be required to accept these Terms and Conditions and select a new password.
• You are able to change your password at any time and it is highly recommended you do so at regular intervals for security purposes. Unicredit will automatically prompt you to change your password after 12 months of operation.
• The new password you select can be between six and eight characters in length, will be case sensitive and can contain either alpha or numeric characters, or a combination of both.
• If you forget your password, we will ask you to verify your identity before we reset your password. You will be required to choose a new password the next time you login.

 

8. PASSWORD SECURITY

• You must keep your password secret and take steps to prevent its unauthorised use. You should not allow any unauthorised person to watch you enter or hear your password.
• We recommend that you do not use all or part of your name, your Redicard/ Visa Card PIN, the same digits or consecutive numbers when selecting your password. We also advise that you do not record you password anywhere near the equipment, your transaction details such as statements or your membership identifiers such as your Redicard, Visa Card or Membership card.
• It is highly recommended that you change your password at regular intervals. You may change your password whenever you desire.
• You must notify the Society immediately if you believe someone else has become aware of your membership/Account number and your password.
• No record is available to the Society of the password you personally select. If you forget your chosen password, please contact the Society and we will need to provide you with a new initial entry password.

 

9. TRANSFER AND BILL PAYMENT LIMITS AND RESTRICTIONS

• Uniteller is available for enquiries and transactions specified by the Society from time to time.
• Access to funds transfer and bill payment options are not available to those Accounts where multiple (two or more) signatures are required to transact on the Account.
• You may suspend access to funds transfer and/or bill payment options at any time by contacting the Society.
• The Society may specify limits on the amounts that can be transferred and the types of Accounts that can be accessed from and to using the service.
• You must submit a request in writing to the Society, by post or by visiting a branch, if you wish to change the specified limit.
• If you schedule funds transfers, the Society will only effect these on the due date where sufficient cleared funds are available in your nominated Account when the Society processes the transfer.
• Future dated payments that do not fall on a business day will be processed on the next business day.
• The Society shall not be obliged to effect a bill payment if you do not give the Society all of the required information to do so, or if any of the information given is inaccurate, or there are insufficient cleared funds in the Account to be debited.
• Transfers cannot be made to or from Fixed Term Deposits and Loan Accounts can only have funds transferred to them.
• Transfers cannot be made from certain types of Accounts, including but not limited to Christmas Club Accounts and Super Savers Accounts. Other Accounts may have transaction limits.
• The Society has set the following daily limits on transfers and bill payments:
• Internal transfers: $3,000
• External transfers: $3,000
• BPAY $5,000

 

10. USING BPAY®

Your use of Uniteller is also governed by the BPAY Terms and Conditions that form part of the Information - Terms & Conditions: Savings Accounts, Fixed Term Deposits and Account Access available online at www.unicredit.com.au, from any Unicredit branch or by calling (08) 9389 1011. These Terms and Conditions will govern your access to BPAY. It is therefore important that you read these Terms and Conditions carefully before you use BPAY.

If you access BPAY then you will be taken to have read, understood and accepted these Terms and Conditions. Upon such use, these Terms and Conditions apply to every BPAY Payment on your Account and you will be legally bound by them.

 

11. BPAY VIEW

11.1   BPAY View is a scheme through which you can receive or access bills or statements electronically from participating Billers nominated by you by opening an email sent to you whenever a bill or statement is received by us with a link to our Website or by accessing our Website.

11.2   You need to register with Uniteller online banking in order to use BPAY View. Call Unicredit on (08) 9389 1011 or go to www.unicredit.com.au to find out how to register.

11.3   If you register with BPAY View, you:

a. agree to our disclosing to Billers nominated by you:

1. such of your personal information (for example your name, email address and the fact that you are our customer) as is necessary to enable Billers to verify that you can receive bills and statements electronically using BPAY View (or telling them if you cease to do so); and
2. that an event in clause 11.4 (b), (c), (d), (e) or (f) has occurred;

b. agree to us or a Biller (as appropriate) collecting data about whether you access your emails, our Website and any link to a bill or statement;

c. agree to receive bills and statements electronically and agree that this satisfies the legal obligations (if any) of a Biller to give you bills and statements. For the purposes of this clause, we are the agent for each Biller nominated by you under (a) above.

11.4 You may receive paper bills and statements from a Biller instead of electronic bills and statements:

1. at your request to a Biller (a fee may be charged by the applicable Biller for supplying the paper bill or statement to you if you ask for this in addition to an electronic form);
2. if you or a Biller de-register from BPAY View;
3. if we receive notification that your email mailbox is full, so that you cannot receive any email notification of a bill or statement;
4. if your email address is incorrect or cannot be found and your email is returned to us undelivered;
5. if we are aware that you are unable to access your email or our Website or a link to a bill or statement for any reason; or
6. if any function necessary to facilitate BPAY View malfunctions or is not available for any reason for longer than the period specified by the applicable Biller.
   
   

11.5 You agree that when using BPAY View:

a. if you receive an email notifying you that you have a bill or statement, then that bill or statement is received by you:

(i) when we receive confirmation that your server has received the email notification, whether or not you choose to access your email; and

(ii) at the email address nominated by you;

b. if you receive notification on our Website without an email, then that bill or statement is received by you:

(i) when a notification is posted on our Website, whether or not you choose to access our Website; and

(ii) at our Website;

c. bills and statements delivered to you remain accessible through our Website for the period determined by the Biller up to a maximum of 18 months, after which they will be deleted, whether paid or not;

you will contact the Biller direct if you have any queries in relation to bills or statements.

11.6 You must:

a. check your emails and our Uniteller website at least weekly;

b. tell us if your contact details (including email address) change;

c. tell us if you are unable to access your email or our Website or a link to a bill or statement for any reason; and

d. ensure your mailbox can receive email notifications (eg. it has sufficient storage space available).

11.7 BPAY View billing errors

a. For the purposes of clause 11.6, a BPAY View billing error means any of the following:

If you have successfully registered with BPAY View:

1. failure to give you a bill (other than because you failed to view an available bill);
2. failure to give you a bill on time (other than because you failed to view an available bill on time);
3. giving a bill to the wrong person;
4. giving a bill with incorrect details;
5. If your BPAY View deregistration has failed for any reason:
6. giving you a bill if you have unsuccessfully attempted to deregister from BPAY View.
   

b. You agree that if a billing error occurs:

1. you must immediately, upon becoming aware of the billing error, take all reasonable steps to minimise any loss or damage caused by the billing error, including contacting the applicable Biller and obtaining a correct copy of the bill; and
2. the party who caused the error is responsible for correcting it and paying any charges or interest which would ordinarily be payable to the applicable Biller due to any consequential late payment and as a result of the billing error.
3. you agree that for the purposes of this clause you are responsible for a billing error if the billing error occurs as a result of an act or omission by you or the malfunction, failure or incompatibility of computer equipment you are using at any time to participate in BPAY View.

 

12. EXTERNAL TRANSFERS

You can use Uniteller to make an External Transfer to Accounts at other financial institutions. If you wish to make an External Transfer, you should ensure that you make it at least 48 hours (not including hours which fall on weekends or West Australian non-business days) before you require the External Transfer to be received by the relevant third party.

 

12.1 Liability for External Transfers

• It is your responsibility to ensure that details advised by you to the Society for External Transfers are correct. If a mistake is made, it is your responsibility to resolve this mistake with the third party. The Society cannot reverse a transaction for which you have authorised the deposit of funds to the Account of a third party, unless the third party Account holder gives consent.
• The Society is not liable for any External Transfer made in accordance with instructions that purport to be from you, in accordance with these Terms and Conditions, even if you did not authorise the transfer.
• If you become aware that:
• there are mistakes in the processing of your External Transfer; or
• there has been a transfer made from your Account which you did not authorise;

you should contact the Society on (08) 9389 1011. We will attempt to rectify any problems associated with your Account and your External Transfers. However, the Society will not be liable for any loss you suffer as a result of using Uniteller, except as set out in these Terms and Conditions.

• If you instruct the Society to make an External Transfer for a certain amount, and the amount transferred is greater than the amount you instructed, then the Society will credit your Account with the difference between the amount you instructed and the amount that was transferred.
• You should take care in selecting and entering the amount that you wish to transfer. As set out above, the Society is not responsible for External Transfers that are made in accordance with your instructions, or instructions that purport to be from you, and these Terms and Conditions.
• If you make an External Transfer and discover that the amount you entered is greater than the amount you intended to pay, or you transferred the money to the wrong Account or the wrong person, you should contact the recipient of that money and arrange with them to refund the money to you.
• If you make an External Transfer and discover that the amount you entered is less than the amount you intended to pay, you can make another transfer to make up the difference.

 

12.2 Third Party Transfers within the Society

If you wish to make an External Transfer to an Account another person holds with the Society, you need to contact the Society on (08) 9389 1011 to arrange this.

 

12.3 Limit on External Third Party Transfers:

The total amount of all External Third Party Transfers you make in one day from all Accounts may not exceed $3,000.00. The Society may vary the transaction limit from time to time and will advise you of such a change. You may request that this limit be increased for a particular day only. If the Society chooses to allow such a temporary increase, the total amount of all External Third Party Transfers you make on that day on which the limit has been increased, will be the increased limit allowed by the Society for that day. Where you request an increase in the external third party transfer limit on a particular day, that increase may increase your liability in the case of unauthorised transactions.

 

12.4 Information required for External Third Party Transfers

To make an External Third Party Transfer, you must provide us with the following information:

• BSB number of the financial institution in which the Receiving Account is held;
• Account number of the Receiving Account;
• Account name of the Receiving Account;
• the amount you wish to transfer.

 

12.5 We will not be obliged to complete an External Third Party Transfer if:

• you do not supply all of the information set out in clause 12.4;
• the information you supply is not complete or accurate;
• there is insufficient available funds in the Account;
• the amount of the transfer would cause you to exceed the limit set out in clause 12.3; or
• there is a technical error beyond the control of the Society.

 

12.6 Delays in processing External Third Party Transfers

• A delay may occur in the processing of External Third Party Transfers where:
  • an External Third Party Transfer is made on, or the day before, a public holiday;
  • an External Third Party Transfer is made on or before a West Australian non business day;
  • an External Third Party Transfer is made after the Society has closed for business on a day; or
  • delay is caused by the other financial institution.
• The Society cannot guarantee that an External Third Party Transfer will be processed in a timely manner by the other financial institution, especially where the other financial institution does not adhere to its obligations regarding the transfer of funds.

 

12.7 Processing of transfers by other financial institutions

• The Society cannot guarantee that the other financial institution to which you make an External Third Party Transfer will successfully process the transaction. If you or the other financial institution advise us that your transfer cannot be processed by the other financial institution, then when you advise us of this fact, we will:
  • credit your Account with the amount of the failed transfer; or
  • take reasonable steps to assist you in completing the failed transfer.
    
• To make sure an External Third Party Transfer has been successfully processed by the other financial institution, you should:
  • ensure you receive and retain your transfer receipt; and
  • check with the other financial institution that your External Third Party Transfer has been received.

 

13. YOUR LIABILITY

• A receipt number will be issued for transfers and bill payment transactions performed using Uniteller. We advise that you record all Uniteller transactions for checking against your regular Account statement.
• You are liable for all transactions carried out by you or by anyone carrying out a transaction with your authority, knowledge or consent, regardless of when the transaction is processed to your Account.
• You are liable (and where acount ownership is in joint names, you are jointly and severally liable) for all transactions and other losses caused by unauthorised use, subject to the clause below.
  
  
• You are not liable for losses:
  • where it is clear that you have not contributed to the loss;
  • that are caused by the fraudulent or negligent conduct of employees or agents of:
    • the Society;
    • any organisation involved in the provision of the online banking system; or
    • any bill payment or transfer recipient;
  • relating to a forged, faulty, expired or cancelled Access Method;
  • resulting from unauthorised use of the Access Method:
    • before you receive that Access Method; or
    • after you notify us in accordance with clause 4 that your Access Method has been misused, lost or stolen or used without your authorisation; or
  • that are caused by the same Uniteller transaction being incorrectly debited more than once to your Account.

 

• You will be liable for any loss of funds arising from an unauthorised Uniteller transaction if the loss occurs before you notify us that your Access Method has been misused, lost or stolen or used without your authorisation and if we prove, on the balance of probabilities, that you contributed to the loss through:
• your fraud or, if your Access Method includes a secret code or codes (such as a password or PIN), your failure to keep that code secure in accordance with clause 8;
• unreasonably delaying in notifying us of the misuse, loss, theft or unauthorised use of the Access Method and the loss occurs between the time you did, or reasonably should have, become aware of these matters and the time of notification to us.

 

• However, you will not be liable for:
• the portion of the loss that exceeds any applicable daily or periodic transaction limits;
• the portion of the loss on your Account which exceeds the balance of your Account (including any prearranged credit); or
• all losses incurred on any Account which you had not agreed with us could be accessed using the Access Method.

   

• Where a secret code such as a PIN or password is required to perform the unauthorised Uniteller transaction and clause 13 (point 5) does not apply, your liability for any loss of funds arising from an unauthorised Uniteller transaction, if the loss occurs before you notify us that the Access Method has been misused, lost, stolen or used without your authorisation, is the lesser of:
• $150;
• the balance of your Account, including any prearranged credit; or
• the actual loss at the time you notify us that your Access Method has been misused, lost, stolen or used without your authorisation (except that portion of the loss that exceeds any daily or periodic transaction limits applicable to the use of your Access Method or your Account).
• You indemnify us against any loss or damage we may suffer due to any claim, demand or action of any kind brought against us, arising directly or indirectly because you did not observe any of your obligations under the Uniteller Terms and Conditions or acted negligently or fraudulently under this agreement.
• If you notify us that a Uniteller transaction made from your Account is unauthorised, you must provide us with a written consent addressed to the payee who received that Uniteller transaction, allowing us to obtain information about your Account with that payee as is reasonably required to investigate the payment. If you do not give us that consent, the payee may not be permitted under law to disclose to us the information we need to investigate or rectify that Uniteller transaction.

• Notwithstanding any of the above provisions your liability will not exceed your liability under the Electronic Funds Transfer Code of Conduct.

 

14. FEES AND CHARGES

• The Society reserves the right to introduce and vary Fees and Charges for Uniteller transactions and use of the service
• The Society may debit fees and charges to your Account
• The Society will advise you of any change to fees and charges by no later than the day the change takes effect. The Society will advise you of any new fees and charges or increase in your obligations at least 30 days prior to the change.
• Details of any fees and charges applicable are available on request from the Society, or on the Fees and Charges section of the Society's Website.

 

15. CHANGES TO TERMS AND CONDITIONS

• We may change these Terms and Conditions from time to time.
• We will notify you in writing at least 30 days before the effective date of change if the change to Terms and Conditions will:
• Impose or increase charges for the use of Uniteller online banking,
• Increase your liability for losses,
• Impose, remove or adjust daily or other periodic transaction limits on amounts that may be transacted using Uniteller.
• If you do not wish your daily limit on transacted amounts via Uniteller to be increased, you must notify us before the effective date of change, otherwise, once you access the increased transaction limit, you will be deemed to have consented to the increase.
• We will notify you of any other changes to these Terms and Conditions no later than the day the changes take effect, or such longer periods as may be required by law, by:
• Notices on or with periodic Account statements,
• Direct written notice to you,
• Press advertisement in The West Australian; or
• Email advice to the email address last advised by you and recorded on our system.
• We are not obliged to give you advance notice if a variation involving a fee or charge will result in a reduction of your obligations.
• We are not obliged to give you advance notice if an immediate change to the Terms and Conditions is deemed necessary for the security of the Uniteller online banking system or individual Accounts.

When Uniteller is used after notification of any such changes, you accept those changes and use of Uniteller shall be subject to those changes.

 

16. SUSPENSION OF ACCESS

• You may cancel or suspend your access to Uniteller at any time by giving the Society written notice. You will remain responsible for any transactions made on your Account using the service until the request has been received and processed by us.
• The Society may suspend your access to Uniteller with or without notice if the Society considers a security issue has arisen that requires further investigation.
• The Society may terminate your Uniteller access at any time by writing or emailing to you at the address last recorded on the Society's system.
• The Society reserves the right to cancel, discontinue or withdraw the service without notice.

 

17. DISPUTED TRANSACTIONS

• If you have a problem or complaint about Uniteller, please report it to the Society immediately. We will investigate your complaint and write to you as soon as possible, giving you reasons for our decision.
• If you do not accept the Society's response to your complaint, you may arrange to have the matter dealt with in accordance with the Society's dispute resolution procedures.
• Details of the dispute resolution procedures are contained in a separate brochure which is available from any of the Society's branches or by calling (08) 9389 1011.

 

18. SMS ALERTS AND SMS ENQUIRIES

• We will charge a fee for each SMS message sent to your mobile telephone. These fees will be totalled and debited monthly and appear as one line on your statement. Please refer to our Fees and Charges Schedule for further details. Your mobile telephone carrier may charge you for any SMS message that you send to Unicredit.
• Fees are debited from the Account to which each SMS message relates. If a balance of all Accounts is requested, the fee will be debited from the first nominated Account.
• Any one transaction may generate more than one SMS alert message from Unicredit.
• You must register for SMS Alerts and SMS Enquiries using the Uniteller online banking service.
• You are responsible for supplying Unicredit with the correct mobile telephone number and must immediately advise Unicredit of any change to your mobile telephone number. Your mobile telephone number must be maintained using the Uniteller online banking service.
• Unicredit is not liable for sending SMS messages to another party where you have not informed Unicredit when you have changed your mobile telephone number or lost your mobile telephone.

 

19. ACCEPTANCE OF TERMS AND CONDITIONS

You confirm you have read and understood these Terms and Conditions and accept them by clicking on the “I Accept” button.

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The University Credit Society Ltd. ABN 90 087 651 901. AFSLN 244168.