App Terms and Conditions

Please read and accept the following terms and conditions. By clicking on the 'Accept' button in the top right hand corner you are confirming you understand and accept the terms and conditions for the app.

The app is designed for smart phone devices, which offers a fast, simple and convenient Mobile Banking experience. With the app you can take your bank with you wherever you go.

The app is not a stand-alone product. It is an additional feature of Internet Banking and is available to members who have registered for Internet Banking.

Each time you use the app these Terms and Conditions along with the Terms and Conditions for Internet Banking will apply.

These Terms and Conditions operate in conjunction with any terms and conditions which apply to any accounts accessed by use of this service.

Security

The app provides the same high level security as our Internet Banking. The Credit Union will refund your money if your account is compromised due to internet fraud, as long as you comply with these Terms and Conditions and our Internet Banking Terms and Conditions. This includes:

• keeping your Member number, Internet Banking password and the Mobile Banking App PIN number private
• ensure your mobile devices are covered by the latest software and security updates available
• setting a device PIN or password on your mobile phone
• installing/enabling remote wipe software on your phone

Log In

To log into the app you will use your Member Number and Internet Banking Password.

When you register for the app you can set a four digit PIN to access the service or set up Touch ID.

Touch ID

Provided your device supports Touch ID, you can use the service to access banking.

If you allow the use of Touch ID on this app then any fingerprints stored on your device will be able to access banking and perform transactions.

Protecting your PIN

You should always:

• memorise the PIN as soon as possible if you record it, disguise it, so others can’t decipher it
• if you nominate a PIN, use a number that is not obvious or can’t be easily guessed (e.g. don’t use date of birth or driver’s licence number)

You must never:

• tell or let anyone find out your PIN not even family or friends
• record a PIN on your phone or computer
• keep a record of the PIN with your phone

Other things you must do

You must:

• Lock your phone and take any reasonable steps to stop unauthorised use
• Notify us immediately if your phone is lost or stolen or you suspect your access PIN has become known to someone else
• Only install approved applications on your phone.

Don’t ever

• Leave your phone unattended and logged into the app
• Use the app with a phone or device other than a compatible phone

Suspension or Termination

We may suspend or terminate your use of the app without notice at any time if we suspect unauthorised transactions have occurred or that the app is being misused.

Changes to these Terms and Conditions

We may change these Terms and Conditions at any time. We will notify you of any material changes by electronic notice to you via your phone or the App store or Google Play Store.

Outside Australia

If you travel outside of Australia you may still have access to the app. You should check with your telephone communications provider that the mobile device will be able to use relevant networks in those countries in which you are travelling. The Credit Union is not liable for any additional costs you may incur.

Mobile Banking Costs

We do not charge a licence fee for the app, however, you may incur data charges from your mobile network provider for downloading the app and performing transactions with the app. Check with your relevant service provider for more details.

There’s no extra cost for using the app. Standard fees and charges do apply. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Access is subject to availability and maintenance.

Which mobile phones are supported?

Not all mobile devices are capable of accessing and using the app. You are responsible for using, having or obtaining a compatible mobile device in connection with any use of this service. We support the following systems:

• Apple iOS 11.0 and above
• Android Version 7.0 and above

ePayments Code and Customer Owned Banking Code of Practice

In providing you with the app service, the Credit Union warrants that it will comply with the ePayments Code and the Customer Owned Banking Code of Practice.

Trademark

iPhone is a trademark of Apple Inc. registered in the U.S. and other countries.