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and are offered through, and are part of, . These Specific Terms and Conditions ("") apply in conjunction with the General Terms and Conditions applicable to the Internet Banking ("") to which agreed during your first log on.
To the extent of any inconsistency between the and these , these prevail unless the provide otherwise. should be familiar with the when reading and before accepting these and . If would like to review the applicable to ,
click here.
These apply in relation to your use of and through . They supersede any other Conditions may have accepted to date.
Definitions of terms in bold can be found in the and apply to these Conditions except that "" in these Conditions does not apply to because are not permitted to have or access.
If do not currently have access to , accept these Conditions when select the "I accept" button at the end of this document. If currently have access, these Conditions will automatically apply to your use of on the date we specify (subject to us complying with the notice provisions in clause 20 of the ).
2.1 To apply for , must select the access option in and specify that want to set a daily transfer limit of either:
(a) $5,000;
(b) $10,000;
(c) $15,000*; or
(d) $25,000*.
*Please note: To be eligible to apply for daily limits of $15,000 and $25,000 must have a business to your . Approval is subject to security requirements.
2.2 If have requested a daily limit of:
(a) $5,000, will make available to when issues with an action number by mail. must use the action number given to by :
(i) within 28 days of your application; and
(ii) before first give instructions to make a transfer.
(b) $10,000, $15,000 or $25,000, will make available to when:
(i) issues with an action number by mail; and
(ii) within 28 days of making your application, call the ANZ Internet Banking Customer Service Team on 13 33 50 and comply with directions to provide with any of your security details that it requires; and
(iii) your action number is used by a Customer Service Consultant to activate your service.
2.3 Your access to will automatically expire if do not first use your action number within 28 days from the date of applying for access.
2.4 has special security features, which should know about. They are:
(a) Action numbers: these are designed to prevent unauthorised access to .
For the purposes of the , your action number is a . Please see clause 6 concerning your obligations to keep your action number secret, and how to contact if the secrecy of your action number is compromised.
(b) Automatic reduction of daily transfer limits: if require your to be re-set or re-issued to because have forgotten your own and have been locked out of , and your current daily limit is more than $5,000, your daily transfer limit will be reduced to $5,000. For example, if had a daily transfer limit of $10,000 and then have your re-set, your daily transfer limit will be automatically reduced to $5,000 and will need to re-apply using the above process for the daily transfer limit of $10,000. Because may have to wait for to issue with a new action number upon re-application, should ensure allow yourself sufficient time to complete the application process before need to use the greater daily transfer limit.
2.5 If wish to increase your selected daily transfer limit, can do so at any time by applying for a new limit using the above process. If wish to decrease your selected daily transfer limit, can do so at any time by applying through . can select to decrease your limit to $1,000. The decrease will take effect the next time that log onto the service.
3.1 is an optional service that can apply for if have . It does not have a separate daily limit. Therefore, the total of all and transfers (converted into Australian Dollars) on any particular day can not exceed your daily limit.
3.2 To apply for access, must first have successfully applied for and have selected a daily limit (please refer to clause 2 above). will then need to apply for by selecting the registration option for in .
3.3 If apply for access, will:
(a) issue with an action number by mail; and
(b) within 28 days of making your application, must call the ANZ Internet Banking Customer Service Team on 13 33 50 and comply with directions to provide with any of your security details that it requires; and
(c) your action number is used by a Customer Service Consultant to activate your service.
3.4 Your application for access will expire if do not activate your access within 28 days of applying for access.
4.1 To give instructions to make a transfer or a telegraphic transfer or to issue an international draft, must provide the information requested by . Your instruction will not be processed if:
(a) all necessary information is not provided;
(b) there are insufficient available funds in the from which funds are to be transferred;
(c) you do not have access either when you give your instructions or when your payment or transfer is to be paid; or
(d) is 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 payment to occur.
4.2 transfers and telegraphic transfers made under these will be made to the account number and branch details (including BSB if applicable) provide or select in accordance with those clauses. must ensure that always provide with the correct account numbers and branch details.
4.3 is not required to, and does not, check that the BSB and account numbers correspond with the financial institution and account name of the payee provided by . Any error in entering these details may result in a transfer being made to an incorrect payee or the transfer not being made at all. is not responsible for any inaccuracy in instructions given by .
4.4 An international draft requested under these will be made payable to the person named as payee in your instructions. must ensure that always provide with the correct name of the payee. Any error in entering these details may result in the draft being made payable to an incorrect payee or the draft not being issued. is not responsible for any inaccuracy in instructions given by .
4.5 is not responsible for the information that the payee receives in relation to a transfer. This information is supplied to the payee by the payee's bank. has no control over the information the payee's bank provides the payee.
4.6 If have a business to your , please refer to the special conditions for business customers, below.
5.1 will process instructions given by to make a transfer:
(a) to make an immediate transfer, on the day the instruction is given, provided that receives the instruction prior to 6pm Melbourne time on a , or otherwise the transfer will be made on the following the day receives the instructions; and
(b) if request a future dated transfer, on that day if that day is a , or if it is not, on the after the day requested.
A means any day on which is open for business in Melbourne, Australia.
5.2 will ensure that instructions given by to make a transfer are delivered to the payee's financial institution on the day that processes those instructions except where:
(a) is not obliged to process your instructions under these ;
(b) there is a technical failure which causes any delay in the acceptance or transmission of the instructions;
(c) there is a delay or error in accepting the instructions caused by the financial institution to which the transfer is to be made; or
(d) the instructions are for a transfer by way of an international draft or telegraphic transfer.
5.3 Where your instruction is for a transfer by way of issuing an international draft, will send the draft by post to the delivery address shown on the confirmation page when confirm your instructions to . It is your responsibility to forward the draft to the intended recipient.
5.4 cannot control when, or even if, the payee's financial institution processes your instructions or the fees that financial institution may charge to process your instructions. Further, cannot control whether receive any international draft sent to . To help ensure that know when or if your instructions have been successfully completed, should:
(a) ensure that have received a lodgement receipt. This is a number issued by to in relation to a instruction and is evidence that your instructions have been received (but not necessarily processed) by ;
(b) ensure that have received a separate receipt number. This will be issued to when has processed your transfer. If have requested to process a transfer on a future date, should check on the day the transfer is scheduled to be made, to confirm that a receipt number has been issued to and that the transfer has been processed by ;
(c) confirm with the payee that your transfer or telegraphic transfer has been received. Once processes your transfer instruction, it relies on the payee's financial institution for advice that your instructions have not been successfully processed by that financial institution. If is advised that your instruction has not been successful, will promptly advise and the relevant withdrawal from your will be reversed, however, it may take up to 2 weeks, sometimes longer, for this to occur, depending on the other financial institution; and
(d) if have requested an international draft, ensure that receive the draft in the mail (your lodgement receipt will confirm the address the draft will be sent to).
For more information on receipt information, please see clause 9.1 of the .
5.5 If the select from which the transfer is to be made is a credit card, the transfer will be by way of a cash advance and interest and fees may accrue on the cash advance. For further details on interest and fees, please refer to your creditcardconditions.
If has made a transfer to a person which is not in accordance with instructions given under these , or for an amount which exceeds the amount requested in such an instruction, will credit the from which the payment was made with the amount of that transfer or with the amount of any transfer made in excess of those instructions, as the case may be.
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