Terms & Conditions

Section 3 Processing Your Instructions.

3.1 You request and authorize us to (a) rely and act upon all apparently valid instructions as instructions properly authorized by you, even if they may conflict with any other mandate given at any time concerning your accounts or affairs and (b) debit your accounts with any amounts we have paid or incurred in accordance with any instructions.

3.2 An instruction shall only be effected by us if it has been effected through the Internet Banking
Service using an appropriate password but we will not further check the authenticity of an instruction.

3.3 You agree that we can act on any instruction given to us including deducting any money from your account even if you did not authorize these instructions. However your liability for transactions or instructions, which were not authorized by you could be limited in the manner described in Clause 4.

3.4 We may refuse to act on an instruction, for example if a transaction exceeds a particular value or other limit, or if we know of or suspect breach of security. Please refer to the user guide for details on the limits imposed on transactions using the Internet Banking Service.

3.5 We are not liable for any failure delay or other shortcoming by any third party with whom you have accounts or otherwise when they are executing our instructions to them. This will particularly apply when you use this service to make payments for utility bills etc.

3.6 We will make reasonable efforts to modify, not process or delay processing any instruction where you request us to do so, but we shall not be liable for any failure to comply with such a request unless it is due to our failure to make reasonable efforts to do so.
3.7 You must ensure that any instructions given to us is accurate and complete and we are not liable if this is not ensured.

3.8 A transaction being carried out is not always simultaneous with an instruction given to us by you. Some instructions may take time to process and certain instructions are processed during normal banking hours even though the Internet Banking Service may be accessible outside normal banking hours.

Section 4 Your Liability for Unauthorized Transactions

4.1 You will be liable for any losses (including the amount of any transaction carried out without your authority) if you have acted with gross negligence so as to facilitate that unauthorized transaction, or if you acted fraudulently. For the purpose of this clause 4, gross negligence shall include failure on your part to observe the security duties referred to in Clause 2 above and any instructions contained in the User Guide, which will be updated from time to time.

4.2 If you have notified us of any unauthorized access to the Internet Banking Service or unauthorized instructions or that you suspect that someone else knows yours security number, you will not be responsible for any unauthorized instructions carried out, after we have had reasonable time to suspend and acknowledge the suspension of the Service in respect of your account(s), unless we can show you have acted fraudulently.

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