Terms and Conditions

TO OUR MEMBERS

PRIVACY STATEMENT AND CONSENT
1. Organisation Identity.
2. Purposes for which we may collect and use personal information.
3. Disclosure of personal information.
4. Personal information about third parties.
5. Access to your personal information and contacting us.
6. Non-disclosure.
7. Document retention
8. Consent.

SYSTEM REQUIREMENTS
IBM compatible PC users
Apple MacIntosh users

SECURITY OVERVIEW
Police Credit Union
The Internet
Your computer

CONDITIONS OF USE

1. Glossary of terms.
2. General Terms and Conditions of On-line services.
3. Access code.
4. How to keep your Access code safe.
5. Authorised person.
6. Ancillary equipment.
7. What to do if your Access code is lost or stolen, or you believe there has been unauthorised access to your access code and/or accounts.
8. Checking account records.
9. Who pays for transactions on your accounts, if there is unauthorised use of your access code?
10. What happens when you use these On-line services?
11. What should you do if these On-line services are not available?
12. When are we not liable?
13. What should you do if you think we have made a mistake or wish to make a complaint?
14. Can we change these conditions?
15. Can we add further services?
16. BPAY®:-

1. Glossary of Terms.
2. Conditions for using the BPAY Scheme.
3. Processing BPAY payments.
4. BPAY transaction limits.
5. Access and authorised persons.
6. Your liability for BPAY payments.
7. Our liability in respect of BPAY.
8. Resolving errors on account statements.
9. Transaction recording
10. Changes.
11. Cancellation of BPAY access.
12. BPAY miscellaneous.

PCU iBANK & BPAY
TERMS AND CONDITIONS

This page contains the Terms and Conditions, which apply to your access to and use of our iBank internet banking service including transactions on your accounts with us made through this service.

Please read through the Terms and Conditions carefully before accessing your membership accounts with us. It is important to know and understand your rights and obligations as well as the manner in which this service operates so that you may make an informed decision to proceed and use this service.

These Terms and Conditions operate alongside any legal rights held by you or us, but do not replace any of those rights.

A copy of these Terms and Conditions is also available at this site for future reference or we can forward a copy to you by mail.

If you have difficulty in using this service please telephone us on 131 PCU (131 728).

PRIVACY STATEMENT AND CONSENT

'Personal information' is information about and which identifies individuals. It includes information obtained from any source and, should you apply for a loan or act as a guarantor of a loan, it will include anything about credit worthiness, standing history and capacity which, under and in accordance with the Privacy Act 1988, may lawfully be exchanged.

Click here for our complete Privacy Statement.

You confirm that you have read our complete Privacy Statement.

SYSTEM REQUIREMENTS
There are certain requirements you need to have before you may use iBank.

Click here for the details of our System Requirements.

You confirm that you have read our System Requirements.

SECURTY OVERVIEW
We have in place a security system for our iBank. You need to be familiar with that security system.
Click here for our Security Overview.

You confirm that you have read our Security Overview.

CONDITIONS OF USE

1. Glossary of Terms

1.1 Access codes

Means the password which, with your membership number, gives you access to your accounts through iBank.

1.2 Ancillary Equipment

Any equipment as specified by us that you will require to use this service.

1.3 Business day

Means any day in which we are open for the transaction of business.

1.4 CU Code of Practice

Means the Credit Union Code of Practice.

1.5 EFT Code of Conduct

Means the Electronic Funds Transfers Code of Conduct issued by the Australian Securities and Investments Commission to operate no later than 1 April, 2002.

1.6 Electronic Access

Unless we stipulate to the contrary when we refer to our electronic address we mean our website www.pcu.com.au.

1.7 iBank

The Police Department Employees Credit Union Internet Banking service you access with a personal computer by visiting www.pcu.com.au.

1.8 On-line Services

Means the services we provide through iBank.

1.9 Payment

A payment of funds that you instruct us to make to your Billers through the BPAY Scheme or to a third party via transfer from your membership accounts with us to another account either with us or externally to an account with a bank or other financial institution.

1.10 Third Party Transfer

A transfer to a person, company, organisation or other body corporate other than you.

1.11 Transfer

A transfer of funds that you instruct us to make:

• internally to any of your accounts with us or account of a third party with us, or
• externally to other financial institution transaction accounts with a Bank State and Branch Number (BSB) of 6 digits and an Account Number of up to 9 digits.

1.12 'We', 'us', 'our' or 'the Credit Union' or 'PCU' means The Police Department Employees Credit Union Ltd.

1.13 'You' and 'your' includes a reference to any holder of a joint account or any third party authorised by you to access and/or operate your account(s) using these Services, with the intent that you shall be liable for any use of these Services in respect of your account(s) and for any failure on the part of any such third party to observe these Terms and Conditions.

1.14 A reference to On-line Services can include iBank, Third Party Transfers and/or BPAY.

2. General Terms and Conditions of On-line Services

2.1 Subject to these terms the On-line Services of iBank include:

• review of account details;
• transfers between accounts in your membership;
• transfers from your membership accounts to third party's membership accounts;
• transfers from your membership accounts to third party's accounts in other banks/financial institutions;
• where you have an easy access overdraft account, access to and use of that easy access overdraft account;
• BPAY.
• Print out account statements on your own computer printer.

2.2 The relevant provisions of the Credit Union Code of Practice apply to these Services.

2.3 The Credit Union Code of Practice requires us to give you information about the current fees and charges in relation to these Services.

2.4 General descriptive information on the operation of your account/s is available on request.

2.5 The Credit Union will provide you with access to iBank using an access code when:-

• with respect to individuals, you have completed the identification process; or
• with respect to non-individuals, a completed application to use the Service is accepted and approved by us.

2.6 You can use the iBank when your Member Number and correct access code are keyed in.

2.7 The iBank Service is not available for transfers from S6 and S66 accounts.

2.8 Subject to the following, access to the transfers via iBank is available to all Members.

• For external transfers the maximum daily limit is $2,000. Transactions by BPAY do not form part of the calculation of transactions you make on any given day.
• Transfers from S15/S21 accounts must not leave a balance in the S15/S21 account less than $5,000.

Restrictions apply to accounts held by members aged less than sixteen (16) years:-

• parental consent is required for members aged between twelve (12) years and sixteen (16) years; and
• iBank access is not available to members aged less than twelve (12) years.

2.9 Internally transferred funds can be accessed by ATM, EFTPOS, or Member Cheque Book facilities immediately after transfer.

2.10 We are not liable to you or any other person for and in connection with your own connection to the internet. You must make your own provisions through a Service Provider.

2.11 We promise that we will comply with the requirements of the EFT Code of Conduct and these Terms and Conditions are to be read in the light of those requirements.

2.12 With every transaction you make through iBank, you will be able to retrieve an electronic receipt from us to your ancillary equipment.

2.13 We will provide you with statements of your accounts with us at least every six (6) months, unless you request that we provide you with more frequent statements.

If you want more frequent statements, you need to telephone us on 131 PCU (131 728) and speak to one of our Assistance Centre Operators.

2.14 We and you agree that any information we are required to give you under the EFT Code of Conduct, may be provided to you by:-

• electronic communication to your ancillary equipment;
• being made available at our electronic address for retrieval by you, providing we have notified you that the information is available for retrieval from that address;
• post.

2.15 You may terminate this agreement by notice in writing to us at Level 27, 1 Market Street, Sydney NSW 2000, whereupon we shall remove your ability to access your accounts through iBank.

3. Access code

3.1 By the time you read these Terms and Conditions you may already have your access code.

3.2 The provision of an access code by us to you does not of itself mean you and we have agreed you can access iBank.

3.3 We provide you with your access code to use the iBank. You agree to protect this access code as a means of preventing the fraudulent or unauthorised use of your accounts via the iBank.

3.4 When you have received your access code for the first time these Terms and Conditions appear and you will not be able to proceed with access to your accounts with us until you have accepted these Terms and Conditions.

3.5 It is only after acceptance of these Terms and Conditions that you can access iBank.

3.6 When you accept the Terms and Conditions you will be required to enter a new access code before accessing iBank.

3.7 Your access code must not relate to any readily accessible data such as your name, date of birth, telephone number or names of a friend or relative. Nor must they be an obvious combination of letters and numbers or one that can be easily guessed by someone else.

3.8 The Credit Union reserves the right to cancel any access code at any time. Where appropriate or required by law or the CU Code of Practice we shall give you a notice prior to cancellation, otherwise notice will be given to you after cancellation.

3.9 You may at any time request in writing that we withdraw your access to any/all of these services. You will remain responsible for any transactions made on your account(s) using these services until the request has been received and processed by us.

4. How to keep your access code safe

We would like you to enjoy all the benefits these On-line Services have to offer. To guard against unauthorised us, it is important that where you consider you need to write down your access code you:

• on receipt of your access code on the first occasion from us, access immediately iBank on-line services on your computer;
• keep secure and protected your record of your access code;
• keep only one record of your access code;
• keep your record of your access code and Member Number separate and apart from each other;
• do not record your access code on your computer or related articles;
• do not tell any unauthorised person your access code;
• do not allow any unauthorised person to view or hear your access code;

you regularly change your access code by clicking on the change of access code icon.


5. Authorised Person

5.1 We recommend that you not give your access code to any other person.

5.2 Notwithstanding our recommendation if you without our knowledge give your access code to a person and authorise that person to operate iBank using your access code then that person is your Authorised Person.

5.3 If you give your access code to your Authorised Person, you will be liable for all transactions carried out by your Authorised Person using the iBank (see clause 9.2).

5.4 We will not be liable to you for the transactions carried out by your Authorised Person.

5.5 Your Authorised Person's use of the iBank is governed by these Terms and Conditions.

5.6 You will be liable for any failure of your Authorised Person to observe these Terms and Conditions.

5.7 For the purposes of this provision we are deemed only to know of your Authorised Person if we have provided you with written confirmation of our knowledge.

Part B. Authorised Signatory (Where you have nominated a person as an authorised signatory who is entitled to access and carry out transactions on your accounts):

5.8 Your Authorised Signatory receives his/her own access code to your accounts through iBank. This access code is separate and different from the access code you may have to access your accounts through iBank.

5.9 Your Authorised Signatory has access to all of your accounts that are accessible through iBank.

5.10. Your Authorised Signatory is entitled to access your accounts and carry out transactions on those accounts through iBank using his/her own access code.

5.11 If you wish to terminate your Authorised Signatory’s access to your accounts through iBank you need to complete and return to us the approved form which is available at any of our branches or by calling 131PCU (131728). We will not be liable for transactions carried out by your Authorised Signatory before we have received the approved form from you terminating your Authorised Signatory’s access to your accounts through iBank.

5.12. You are liable for all transactions carried out by your Authorised Signatory using the iBank .

5.13. We will not be liable to you for the transactions carried out by your Authorised Signatory.

5.14. Your Authorised Signatory’s use of the iBank is governed by these Terms and Conditions.

5.15. You will be liable for any failure of your Authorised Signatory to observe these Terms and Conditions.

Part C. Joint Memberships/Accounts (Where two or more signatures are required to operate the accounts):

5.16 For the purposes of this Part C the term ‘you’ means all of the members who together are authorised to operate on the joint account.

5.17 If you have an account with us that requires two or more signatures then to access your account through iBank you will need, when you transact within iBank, to provide all your access codes.

5.18 If we do not receive all your access codes you will not be able to transact on your joint accounts through iBank.

5.19 We recommend that access codes are not given to anyone and that all of you be present to provide your access codes at the time of authorising transactions in iBank.

5.20 Notwithstanding our recommendation if a joint account holder provides his/her access code to another joint account holder to then enable that other joint account holder to transact on the joint account through iBank then that other joint account holder is a Code Access Authorised Person for the joint account holder who provided their access code and the terms in relation to Code Authorised Persons apply to the joint account holder who provided their access code and their Code Authorised Person (see Part A).

6. Ancillary Equipment

You have a responsibility to exercise reasonable care to prevent unauthorised access to the Ancillary Equipment you use for the iBank.

6.1 You must not leave your computer unattended while you are on-line to iBank.

6.2 You should ensure that the computer is checked for viruses before using iBank.

6.3 We suggest you clear your browser cache (session memory) files at the end of your session in order to protect your privacy and prevent anyone from tracing your steps through the cache memory files. Additionally, we suggest that you shut down all the windows of the browser you have used to gain access to the iBank and then restart the browser in order to ensure that the "back" function (or similar function in your browser) cannot be used to trace your activities.

6.4 If you require assistance in regards to clearing your browser's cache, we suggest you review your browser Help facility or contact a PC support or maintenance service for instructions on how to complete this process.

6.5 Providing you give us notice by telephoning us on 131 PCU (131 728) and speaking to our Phone Centre Operators, you may change your ancillary equipment, or electronic address.

7. What to do if your access code is lost or stolen, or you believe there has been unauthorised access to your access code and/or accounts

You must telephone us and tell us, as soon as possible, on toll free 131 PCU
131 728 if you:-

become aware a record of your access code has been lost or stolen;
become aware of an unauthorised access to your access code and/or accounts via iBank;
become aware of a breach of the security of your ancillary equipment, which may allow access to your access code and/or accounts;
suspect your access code has become known to an unauthorised person.

8. Checking Account Records

8.1 You should check your account records regularly.

8.2 You should check your account records carefully. If you believe a transaction is wrong or unauthorised you must inform us as soon as possible.

8.3 If we find an error in your account we will promptly correct the error, adjust interest and charges to the account and advise you.

8.4 If we do not agree that there is an error, then we will follow the procedure outlined in clause 13.

9. Who pays for transactions on your accounts if there is unauthorised use of your access code?

9.1 Your are not liable for your loss if:

it is clear you have not contributed to your loss; and
the transactions involved were carried out without your knowledge and consent.

9.2 However, where we establish you have contributed to the unauthorised use because you:-

voluntarily disclose your access code to another person; or
write your Membership Number or access code on your record of transactions; or
keep a record of your Membership Number and access code without making any reasonable attempt to disguise them, in a way that they could be lost or stolen at the same time; or
keep a record of your confidential identification details without making any reasonable attempt to disguise them; or
you use an access code which represents your birth date; or
you act with extreme carelessness in failing to protect the security of your access code; or
you have acted fraudulently

then you are liable for the lesser of:

the actual losses; or
the amount you are able to withdraw from your account; or
the total amount you would have been allowed to withdraw on the days that the unauthorised use occurred; or
the balance in the account accessed, including if applicable the amount available through easy access overdraft.

9.3 In addition to the liability in clause 9.2 if you contribute to the unauthorised use because you unreasonably delay in:

telling us that your access code had been misused, lost or stolen; or
telling us that your access code has become known to an unauthorised person,
then you are liable for any losses that have been incurred because of that delay.

Your liability for these losses will be the lesser of:

the actual losses; or
the amount you are able to withdraw from your account; or
the total amount you would have been allowed to withdraw on the days that the unauthorised use occurred; or
the balance in the account accessed including, if applicable, the amount available through easy access overdraft.

9.4 Where clauses 9.1 to 9.3 inclusive and 9.5 do not apply, you are liable for the lesser of:-

$150.00; or
the balance in the account accessed including, if applicable, the amount available through easy access overdraft; or
the actual loss at the time we are notified of the loss, theft and/or misuse.

9.5 You are not liable where:-

the losses are caused by the fraudulent or negligent conduct of our employees;
the losses relate to any component of iBank that is forged, faulty, expired or cancelled;
the losses arise before we provide you with an access code;
the losses are caused by the same transaction being incorrectly debited more than once to the same account;
the unauthorised use takes place after you tell us that your access code has been misused, lost or stolen or has become known to an unauthorised person.

10. What happens when you use these On-line Services?

10.1 These On-line Services are available for the enquiries and transactions specified by us from time to time.

10.2 You will only be able to use these On-line Services to access accounts when you are:

the account holder and sole signatory, or
authorised to act alone where there is more than one signatory.

10.3 Transactions made through electronic services may be processed at our option on the same day as the transaction or the next available working day.

10.4 You can also Schedule a Payment, Transfer or Third Party Transfer. In those cases, the request is treated as having been made on the day or days nominated by you for the Payment, Transfer or Third Party Transfer to be made. If any such day is a weekend or public holiday, the Payment, Transfer or Third Party Transfer will be treated as having been made on the next business day.

Once you have instructed us to make a Scheduled Payment or Transfer, you can countermand this instruction in advance of the due date for Payment or Transfer. Any such countermand must be received before the day the Schedule is due, and must be made using your access code.

Otherwise, we will process the Payment, Transfer or Third Party Transfer as originally instructed by you.

10.5 Transactions made using these On-line Services are also governed by the Terms and Conditions of the accounts being used and these Terms and Conditions do not affect the Terms and Conditions applying to those various accounts. In the event of a conflict between these Terms and Conditions and the Terms and Conditions of the relevant account, the Terms and Conditions which apply to the relevant account will prevail.

10.6 Subject to the CU Code of Practice we reserve the right to decline any transactions without being required to give any reason or advance notice to you.

10.7 We will take such reasonable precautions as may be necessary to ensure that information concerning your accounts transmitted by us through these services will remain confidential and protected from unauthorised access.

10.8 We will be liable for loss caused by the failure of our system and/or equipment to complete a transaction accepted by our system and/or equipment, in accordance with your instructions.

11. What should you do if these On-line Services are not available?

11.1 It is your responsibility to use other means of effecting transactions and obtaining information if for any reason you are unable to use these On-line Services.

11.2 If you find iBank is temporarily unavailable call us on 131 PCU (131 728).

11.3 We undertake to make all reasonable efforts to ensure that the On-line Services are available to you during the hours specified by us from time to time.

12. When are we not liable?

12.1 In addition to any other provision in these terms and conditions, we will not be liable for:-

delays or errors in the execution of any transactions because of your ancillary equipment;
the supply and maintenance of any equipment necessary to access these On-line Services (eg. personal computer and modem);
any refusal of another party, third party or otherwise authorised to receive a payment instruction from you; or
any indirect, economic or consequential loss suffered or sustained by you as a consequence of your use of iBank or the availability of these On-line Services where you should have been aware that iBank was unavailable for use and/or our equipment was malfunctioning.

13. What should you do if you think we have made a mistake?

13.1 Contact us as soon as possible if you think:

there has been a mistake in a transaction made through these Services; or
information received through these Services is wrong.

When you contact us, you will need to provide us with:-

your name, member number and account number;
the date and amount of the transaction in question;
the date of the statement in which the transaction in question first appeared;
a brief and clear explanation of why you believe the transaction is unauthorised or an error.

13.2 If we dispute your claim but are unable to resolve the dispute immediately, we will indicate to you by letter the procedure we will follow to investigate and handle the complaint.

Generally:-

we will report to you within ten (10) business days of receiving your complaint, either advising you of the outcome of our investigation, or the need for more time to complete the investigation;
unless there are exceptional circumstances an investigation should be completed within thirty (30) business days of receiving your complaint.

13.3 If we find an error in your account, we will promptly correct the error, adjust interest and charges to the account accordingly and advise you.

13.4 If we conclude from our investigations that no error has occurred, you may ask us to:-

review our investigation;
give you a copy of the material on which we based our decision. (We cannot give you material which may breach a confidence, legal duty or obligation or which may adversely affect security.)

13.5 If you are not satisfied with our answer, we will direct you to our internal dispute resolution officer to resolve the matter.

13.6 If our internal dispute resolution officer is not able to resolve the matter to your satisfaction then that officer may refer you to the Credit Union Dispute Referral Centre (CUDRC).

13.7 As far as we are aware the CUDRC will only accept a matter after you have tried to resolve it with our internal dispute resolution officer.

14. Can we change these Conditions?

14.1 We reserve the right to vary these Terms and Conditions.

14.2 We will give you at least 30 days written notice if any variation will:

impose or increase charges relating to your use of these On-line Services;
increase your liability for losses relating to transactions through these On-line Services;
adjust the transaction limits applying to your use of these On-line Services; or
indicate that your Services or delivery systems for these On-line Services is to be discontinued or withdrawn.

14.3 We will tell you of all other variations in advance through these On-line Services or notices.

14.4 Our obligation to give you advance notice does not apply if variations are required in an emergency to restore or maintain the security of these On-line Services of any individual account held.

14.5 Our obligation to give you advance notice does not apply if variations are required for security reasons.

14.6 We fulfil our obligations to give you notice under these Terms and Conditions if we post the notice by ordinary mail to the last address you gave us.

14.7 We reserve the right to vary the types of services offered on these On-line Services.

15. Can we add further services?

15.1 We reserve the right to provide additional services.

15.2 In the event of conflict between the Terms and Conditions of these On-line Services and the Terms and Conditions of a product yet to be offered by these On-line Services, the Terms and Conditions of the relevant product will prevail.

16. BPAY

You can use the BPAY system through iBank.
We have specific Terms and Conditions that relate to you using iBank to make BPAY payments from your accounts.
If you propose using iBank to make BPAY payments, then you need to read our BPAY Terms and Conditions.
When using BPAY through iBank, these iBank Terms and Conditions apply to your use of BPAY.
Click here for our BPAY Terms and Conditions.
You confirm that you have read our BPAY Terms and Conditions.

17. Conditions Binding

17.1 You accept these Terms and Conditions by using the Access code. In turn, we undertake to keep to these Terms and Conditions once you have used your Access code.

REMINDERS AND IMPORTANT POINTS

Where you are gaining access to iBank for the first time by accepting these Terms and Conditions, you are telling us that you have read, understood and accepted these Terms and Conditions in particular:-

1. Our privacy statement to you - see Privacy Statement;

2. The security in our iBank system - see Security Overview;

3. Access to credit facility - see clause 2.1;

4. Limits on your access to iBank & accounts - see clauses 2.5 and 2.8;

5. Statement frequency election - see clause 2.13;

6. EFT Code of Conduct Agreement - see clause 2.14;

7. Termination of this agreement by you - see clause 2.15;

8. Access code - see clauses 3.1 to 3.10;

9. How to keep your Access code safe - see clause 4;

10. Authorised Access - see clause 5;

11. Change of equipment - see clause 6.5;

12. Access code is lost or stolen - see clause 7;

13. Unauthorised use of your access code - see clauses 9.1 to 9.5;

14. Using these on-line services - see clauses 10.1 to 10.8;

15. If you think we have made a mistake? see clauses 13.1 to 13.7;

16. Bill payment (BPAY) scheme - see BPAY conditions;

17. BPAY transaction limits - see BPAY conditions;

18. Refusing BPAY payment directions - see BPAY conditions;

19. Your liability for BPAY payments - see BPAY conditions;

20. Our liability in respect of BPAY - see BPAY conditions;

21. Cancellation of BPAY access - see BPAY conditions;

If you are looking at these Terms and Conditions and it is not at a time when you are gaining access to iBank for the first time we advise you that these are the Terms and Conditions that relate to your use or intended use of iBank and you need to read and understand these Terms and Conditions prior to using iBank.

We recommend you make a hard copy of these Terms and Conditions.