WINE COUNTRY DIRECT
Online Account Service
TERMS AND CONDITIONS
Please read these Terms and Conditions carefully as they place certain requirements and liabilities on you. They are in addition to and are to be read in conjunction with:
a) our standard Terms and Conditions for operating a Credit Union account.
b) any specific Terms and Conditions applicable to accounts accessible by this service.
If there is any inconsistency between these terms and conditions and any other terms and conditions applying to an account or the service, these terms and conditions prevail to the extent of that inconsistency.
By operating Wine Country Direct you agree to comply with these Terms and Conditions. These terms and conditions continue to apply until we give you notice of any changes. Notice of any changes will be given to you a reasonable period before they become effective.
We can change the user requirements, application and operating system specifications, format or content of the service at any time without prior notice to you.
Wine Country Credit Union may also be referred as 'WCCU', 'we', 'us' or 'our'.
Account means an account you have with us, which we have determined, is accessible by the service.
Account Owner means a person who has registered for our On-Line Account Service and who has an account in their own name or, if in joint names, in respect of which we may act on the instructions of any one or more of them. “You” or “Your” also means Account Owner. Where there is more than one account owner, 'you' means all of them jointly and each of them severally.
Banking Business Day means any day other than a Saturday, Sunday or public holiday (but includes provincial anniversary days).
Password means the exclusive code known only by the Account Owner and recognised by Wine Country Direct for access to the Account/s.
Service means the financial service we make available through the Internet network to enable you and us to receive and transmit information electronically and undertake transactions on your account.
Sufficient Funds means cleared available funds.
NOMINATED ACCOUNTS
The service is only available on accounts which you have nominated for the service and may be operated by:
a) You as the sole signatory: or
b) You alone where the account has more than one signatory.
YOUR PASSWORD AND SECURITY RESPONSIBILITIES
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The password you choose to access the service must not be the same as, or similar to, any other personal identification number you have for any other account you have with, or service provided by us.
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You must not select an unsuitable password such as family or street names, birth dates or months, sequential numbers (e.g. AB12345), parts of personal telephone numbers or other easily accessible personal data, or number or letter combinations that may be easily identified (e.g.AA1111 or 11ABCD).
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You must safeguard your password. For instance, you must, memorise your password, do not write it down anywhere, in any form including electronically.You must not disclose your password to anyone (including Police, credit union staff or your family), take care to ensure no-one can see you enter your password.
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You must notify us immediately if your password has become, or may be known to, anyone other than you.
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You must not leave your computer unattended and logged on to the service.
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You agree to check your account records carefully and promptly advise us of any error or discrepancy or unauthorised transaction.
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You agree to establish and maintain appropriate anti-virus and other security software on your computer to protect you from theft and unauthorised access by any person you have not authorised to use the service whether employed by you or not.
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You must not open attachments or run software from untrustworthy or unknown sources.
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INSTRUCTIONS
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You are responsible for all instructions authorised by a password for your account regardless of whether that instruction is from you or from another person with or without your knowledge or consent. You agree that we may assume the authenticity of any instructions authorised by a password for your account and rely on those instructions without any enquiry as to the authority or identity of the sender of that instruction.
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In the case of an instruction to make a future-dated payment (such as an automatic payment or a bill payment) you may, by notifying us in writing, revoke your instruction up until our payment cut-off time on the last business day before the payment is due to be made. Otherwise you agree that an instruction to make a future-dated payment or transfer continues until the expiry date nominated by you for that instruction.
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You must notify us immediately if you become aware of any unauthorised transaction on an account or unauthorised use of the service.
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It is your responsibility to use other means of effecting transactions and giving and obtaining information if for any reason the service is unavailable for use or malfunctioning.
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You agree that you will not use the service for any purpose other than carrying out lawful financial transactions and enquiries on your account.
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We may in our absolute discretion conclusively determine the order or priority of payment by us of any monies pursuant to an instruction, which you may now or hereafter give to us or draw on your account.
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We may in our absolute discretion refuse to make any one or more payments pursuant of an instruction where there are insufficient funds available in your account.
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ELECTRONIC - BILL PAYMENTS
- WCCU will endeavour to effect payments as instructed but accept no liability for any inaccuracy or delay in payment, or for any refusal or omission to make any payment due to circumstances beyond our reasonable control. In particular we accept no responsibility or liability for the accuracy of the information you supply to us when setting up, changing or deleting bill payees or when issuing or processing the payment instructions. We may also stop or alter a payment without notice if circumstances require us to do so.
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During required payment date you are responsible for ensuring sufficient funds are available in the account. If the payment is missed, for any reason, then it is your responsibility to make sure the payment is subsequently made. For bill payments that are programmed in advance, if there are insufficient funds on the business day the payment is processed, the payment will be attempted again on the two following business day. If there are still insufficient funds after that period, the payment will be cancelled and a bill payment dishonour fee charged.
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Bill payments made on a non-business day or after 4:00pm will be processed on the next business day.
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To stop or reverse an electronic payment once they have been made may not be possible. Payments you have made in error can only be recovered from the account they have been paid into with the consent of the account holder.
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There may be circumstances where we can reverse payments paid into your account, such as when we have made an error.
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To stop or cancel a pre scheduled electronic payment, you must notify us at least one business day before the payment is due.
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LIABILITIES
- You are not liable for any losses:
- Where it is clear that you have not contributed to those losses.
- Caused by the fraudulent or negligent conduct of our employees.
- Resulting from faults that occur in our systems used to provide the service, unless the faults are obvious or advised by message or notice on display.
- After you have notified us of actual or possible disclosure of your password, unless you have acted fraudulently or negligently.
- You are liable for all losses:
- From unauthorised transactions if you have acted fraudulently, either alone or together with any other person.
- From unauthorised transactions if you have contributed to or caused that loss, for example by failing to comply with these terms and conditions (including those relating to your password and computer security measures).
- If you have not acted fraudulently or negligently and have not contributed to or caused losses from unauthorised use, your liability for any loss occurring before notifying us is limited to $50.00.
- If you have not acted fraudulently or negligently but have contributed to or caused losses from unauthorised transactions, you may be liable for some or all of the actual losses occurring before you notified us.
- Subject to complying with our duty to exercise reasonable care and skill and other obligations under the Consumer Guarantees Act 1993, but other wise irrespective of anything else stated in these terms and conditions, we are not liable to you and accept no responsibility for any loss, damage, cost or expense whether direct or indirect, consequential or economic which arises in connection with any one or more of the following:
- Your use of the service; or
- Any unauthorised use of your password; or
- Any fault, error or defect in design or engineering of the service or any delay, fault, failure in or loss of access to the service; or
- Any system or telecommunications link failure; or
- Any delay or non-performance by us resulting from matters beyond our reasonable control.
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CHARGES
- You agree to pay any and all charges relating to doing your financial transactions online. WCCU will debit these charges from your account, together with any relevant taxes, charges or duties levied by any government body. Online transactions are also subject to all conditions, fees and charges applying to specific WCCU services at the time of the transaction.
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TERMINATION
GOVERNING LAW
- These Terms and Conditions and the contract between you and us arising out of you registration to use Wine Country Direct are governed by New Zealand law and New Zealand courts have jurisdiction.
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