nab transact terms and conditions · 7. customer management function 9 8. nab products and the...

NAB TRANSACTTerms and Conditions

CONTENTS Introduction 2

Part A – General terms and conditions 3

1. Definitionsandinterpretation 3

2. ThetermsandconditionsthatapplytoNABTransact 6

3. Compliancewithrelevantlaws 6

4. AccessingNABTransact 6

5. Yourobligations 7

6. ReportingandTransactionSearchfunctions 8

7. CustomerManagementfunction 9

8. NABProductsandtheePaymentsCode 9

9. Useoftheservice 9

10. Fees 10

11. Intellectualproperty 10

12.Exclusionandlimitationofliability 11

13. Indemnity 11

14.Serviceprovider 11

15. Variation 11

16. BankingCodeofPractice 13

17. Anti-moneylaundering 13

18.Confidentialityandprivacy 14

19. GST 15

20. Separateconditions 15

21.Notices 16

22.Changeofnameormerger 16

23. Assignment 16

24.AvailabilityofNABTransact 16

25. Termination 16

26. Governinglaw 16

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Part B – Product terms for Pay in Person, Pay by Phone, Pay by Web, RentCard and Allocated EFT 17

27. Definitions 17

28.Supplyofservice 18

29.Yourobligations 19

30.NAB’sobligations 19

31. Billing 20

32.Thingsyouneedtousetheservices 20

33. Termination 21

34.Consequencesoftermination 21

35. Lossandindemnity 22

Schedule 1 – Pay in Person/nab RentCard 23

1. Reasonsfordelayinpayment 23

2. DishonourofchequesreceivedbyaServiceProvider 23

3. Reversedtransactions–cheques 23

4. PaymentbySchemeCard 24

5. Reversedtransactions–SchemeCards 24

6. NabRentCard 25

Schedule 2 – Allocated EFT 26

1. AllocatedEFTservice 26

2. Paymentprocessingandreporting 27

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Introduction

What is NAB Transact?

NABTransactisanelectronicpaymentsandreceivableschannel.ItprovidesyouwithacentralisedtechnologyinterfaceforaccessingarangeofNABProducts.YoucanchooseoneormoreNABProductstobeusedwithNABTransact.

YoucanalsouseNABTransactasaninformationmanagementtool.WiththeReportingandTransactionSearchfunctionyoucansearchyourNABTransacttransactioninformationandgeneratereports.

Accessing NAB Transact

InordertoaccessNABTransactyouneedtonominateapersontobeyourNABTransactAdministrator.YourNABTransactAdministratorwillbeissuedwithaNABTransactUserIDandaPINorpassword.

Compromised NAB Transact User IDs, passwords or Personal Identification Numbers (PINs) and unauthorised transactions

IfyoubecomeawarethataPIN,passwordorNABTransactUserIDhasbeencompromisedordivulged,orifyoubelievetherehasbeenunauthorisedaccesstoNABTransact,pleasenotifyNABimmediatelybycalling1300138313.Youmayberequiredtoprovideinformationabouthowtheincidentoccurred.

Contacting us

Youcancontactusby:

• callinguson1300 369 852(8am–8pm)AEST/AEDT,MondaytoFriday;

• [email protected];

• writingtousatLevel 1, Building B, Homebush Bay Drive, Rhodes, NSW 2138.

If overseas

Youcancontactusbycalling:

• Internationalcode+613 8641 78338am–8pm,AEST/AEDT,MondaytoFriday.

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PART A GENERAL TERMS AND CONDITIONS1. Definitionsandinterpretation

1.1 Definitions

Thefollowingdefinitionsapplythroughoutthetermsandconditionssetoutineachpartofthisdocument,unlessthesametermisdefineddifferentlyinanotherpart:

Authenticationservicemeansadeviceand/ormechanismissuedbyNABdesignedforsecureuseofanyidentificationservicemadeavailablebyNABtoallowaccesstotheNABTransactservice.

Banking Code of Practice orCodemeantheBankingCodeofPractice,butbefore1July2019refertotheCodeofBankingPractice(2013version).

Billing AccountmeansyouraccountfromwhichyouauthoriseNABtodebitanyNABTransactFees.

Claimmeansanyallegation,debt,causeofaction,liability,claim,proceeding,suitordemandofanynaturehowsoeverarisingandwhetherpresentorfuture,fixedorunascertained,actualorcontingentwhetheratlaw,inequity,understatuteorotherwise.

Confidential Informationmeansallinformationandmaterialwedisclosetoyou(whetherorally,inwritingorinanyotherform)thatwedesignateasconfidentialorimparttoyouincircumstancesofconfidence,underorinconnectionwiththeNABTransactAgreement,andincludesanyinformationrelatingtoourbusinesssystems,operations,customers,properties,assetsoraffairsofusorthoseofourrelatedbodiescorporate.Italsoincludesallcopies,notesandrecordsinwhateverformandallrelatedinformationbasedon,orarisingoutof,anydisclosurebyusofsuchinformationandmaterial.

Customer Reference NumbermeansauniquealphanumericidentifierselectedbyyouthatwillenableyoutoidentifyyourcustomerinNABTransactreporting.

Electronic Transactions ActmeanstheElectronicTransactionsAct1999(Cth)andeachanalogousStateandTerritoryenactment.

Intellectual Property Rightsmeansallintellectualpropertyrightsincludingcurrentandfutureregisteredandunregisteredrightsinrespectofcopyright,designs,circuitlayouts,trademarks,tradesecrets,know-how,ConfidentialInformation,patents,inventionanddiscoveriesandallotherintellectualpropertyasdefinedinarticle2oftheconventionestablishingtheWorldIntellectualPropertyOrganisation1967.

Liabilitymeansanyliabilityorobligation(whetheractual,contingentorprospective),includingforanyotherLossirrespectiveofwhentheacts,eventsorthingsgivingrisetotheliabilityoccurred.

Lossmeansalldirectorindirectdamage,loss,cost,Claim,Liabilityorexpense(includinglegalcostsandexpensesofwhatsoevernatureordescription).

NAB,UsorWemeansNationalAustraliaBankLimitedABN12004044937.

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NAB ProductmeansanyproductorserviceofferedbyNABthatNABdeterminescanbeaccessedwithNABTransact.

NAB Product TermsmeansthetermsandconditionsofaNABProduct.

NAB Transact Agreementmeans:

(a) yourofferdocumentforNABTransact;

(b) thesetermsandconditions;and

(c) anyUserGuides.

NAB Transact AdministratormeansthepersonthatyounominatetobeyouradministratorforNABTransactandanyotherpersonappointedasaNABTransactAdministratorunderclause4.

NAB Transact Authorised Usermeansapersonwhohasbeenauthorisedunderclause4toaccessoroperatetheNABTransactService,andincludesaNABTransactAdministrator.

NAB Transact FeesmeansthefeesandchargesapplicabletoNABTransactandtheuseofNABTransactbyyouandyourNABTransactAuthorisedUsersassetoutinyourofferdocumentforNABTransactasvariedfromtimetotimepursuanttoclause15ofthesetermsandconditions.

NAB Transact servicemeanstheservicecalled“NABTransact”thatNABmakesavailabletoyouasdescribedinthisdocument.

NAB Transact User IDmeansa“UserIdentificationNumber”issuedtoaNABTransactAuthorisedUserinrespectoftheNABTransactService.

Personal EFT TransactionsmeansanelectronicfundstransfertoorfromaccountsusingtheNABTransactServicewhichisnotabusinessEFTtransaction.

Relevant Lawmeansanyrelevantlaw,regulation,code,ordinance,ruleorotherlegislativeinstrument,oranyguidelineissuedbyanyregulatororstatutoryauthority,oranyrelevantindustrycodes.

Service Chargesmeans,inrelationtoanyservicethatyouusewithNABTransact,includinganyoftheserviceslistedinPartB,thechargespayablebyyoufortheserviceassetoutintherelevantletterofofferinrespectoftheserviceandincludesanyrevisedchargesnotifiedtoyoubyNABunderclause15.

Stored Account Detailsmeans,foreachCustomerReferenceNumber,theBSB,AccountNumberandAccountNameasenteredbyyouintheCustomerManagementfunctionofNABTransact.

Stored Card Detailsmeans,foreachCustomerReferenceNumber,thecardnumberandexpirydateasenteredbyyouintheCustomerManagementfunctionofNABTransact.

SoftwaremeansanysoftwareprovidedtoyoubyusfororinconnectionwithyouruseofNABTransact.

Trade Practices LegislationmeanstheCompetitionandConsumerAct2010(Cth)andtheAustralianSecuritiesandInvestmentsCommissionAct2001(Cth)andequivalentStatelegislation.

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Unauthorised transactionmeansanytransactionwheretheNABTransactAuthorisedUserclaimsthattheydidnotengageinorhaveknowledgeoforconsenttothetransactioneventhoughtheNABTransactAuthorisedUser’sNABTransactUserIDand/orpasswordorPINwasusedtogeneratethedisputedtransaction.

User GuidemeansanyUserGuideweprovidetoyouinrelationtotheNABTransactserviceoranyNABProducts.

YoumeansthepersonwhousedtheNABTransactserviceandifthereismorethanoneperson,youmeanseachpersonseparatelyandevery2ormoreofthemjointly.Youincludesyoursuccessorsandassigns,andinrelationtoyourrightstooperatetheNABTransactserviceanyNABTransactAuthorisedUseroranyotherauthorisedofficer,employee,representativeorauthorisedsignatoryonyouraccountsactingwithinhisorherauthority.

1.2 Interpretation

Inthesetermsandconditions,unlessthecontraryintentionappears:

(a) areferenceto:

(i) thesetermsandconditions,anotherinstrumentoranyscheduleorannexureincludesanyvariationorreplacementofanyofthem;and

(ii) astatute,ordinance,codeorotherlawincludesregulationsandotherinstrumentsmadeunderitandanyconsolidations,amendments,re-enactmentsorreplacementsofanyofthem;and

(iii) thesingularincludesthepluralandviceversa;and

(iv) onegenderincludestheother;and

(v) apersonincludesareferencetotheperson’sexecutors,administrators,successorsandpermittedassignsandsubstitutes(includingpersonstakingbynovation);and

(vi) adayistobeinterpretedastheperiodoftimecommencingatmidnightandending24hourslater;and

(vii) anything(includinganyamount)isareferencetothewholeandeachpartofit,andareferencetoagroupofpersonsisreferencetoallofthemcollectivelyandanytwoormoreofthemcollectivelyandtoeachofthemindividually;and

(b) adollarorthesymbol“$”isareferencetoAustraliandollars;and

(c) anagreement,representationorwarrantyinfavouroftwoormorepersonsisforthebenefitofthemjointlyandseverally;and

(d) ifaperiodoftimeisspecifiedanddatesfromagivendayorthedayofanactofevent,itistobecalculatedexclusiveofthatday;and

(e) thewords“including”,“forexample”or“suchas”arenottobeusedas,norinterpretedas,wordsoflimitation.

1.3 Headingsareinsertedforconvenienceonlyanddonotaffecttheinterpretationofthesetermsandconditions

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2. ThetermsandconditionsthatapplytoNABTransact

2.1 NABofferstomaketheNABTransactserviceavailabletoyouonthesetermsandconditionsandthefollowingdocuments,whichshouldbereadtogether:


(b) anyrelevantNABProductTerms,includingthetermssetoutinPartBofthisdocumentinrespectoftheserviceslistedinPartB,whichareinadditiontothesegeneraltermsandconditions;and

(c) anyUserGuides.

2.2 IfthereisanyinconsistencybetweenthedocumentsreferredtoinClause2.1theymustbereadandappliedinthefollowingorderofprecedence:


(b) relevantNABProductTerms;

(c) thesegeneraltermsandconditions;

(d) anyUserGuides.

2.3 YouwillbetakentohaveacceptedtheNABTransactAgreement:

(a) whenyourNABTransactAdministratorlogsontouseNABTransactforthefirsttimeusingtheirNABTransactUserIDandPINorpassword;or

(b) whentheNABTransactserviceisotherwiseusedbyyouforthefirsttime,suchaswhenthefirsttransactionisprocessedusingtheNABTransactserviceoraNABProductaccessedbyyouthroughNABTransactservice,whicheveroccursfirst.

2.4 Youmustcomply,andyoumustprocurethatyourNABTransactAuthorisedUserscomply,withtheNABTransactAgreementandyoumustpayanyNABTransactFees.

3. Compliancewithrelevantlaws

Youmustcomplywith,andyoumustprocurethatyourNABTransactAuthorisedUserscomplywith,allRelevantLaws.

4. AccessingNABTransact

4.1 WemustissueyourNABTransactAdministratorwithaNABTransactUserIDandPINorpassword.

4.2 TheNABTransactAdministratormay:

(a) setupadditionalNABTransactAdministrators(whointurncandothethingssetoutinthisclause4.2);

(b) setupotherNABTransactAuthorisedUsers;

(c) add,change,suspendanddeleteotherNABTransactAuthorisedUsers;

(d) limitaccesstocertainNABTransactfunctionsorreportsforotherNABTransactAuthorisedUsers;

(e) resetPINSorpasswordsforotherNABTransactAuthorisedUsers;and

(f) carryoutotherfunctionsasspecifiedfromtimetotimeinaccordancewithanyuserguiderelevanttoNABTransact.

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4.3 YouareliableforanyuseoftheNABTransactservicebyaNABTransactAuthorisedUserasiftheNABTransactservicehasbeenusedbyyou.YouarealsoresponsibleforallinstructionsgivenusingtheNABTransactservice,whichareauthorisedbytheuseofthePINorpasswordofaNABTransactAuthorisedUser,orundertakenbyanotherpersonwiththeknowledgeorconsentofyouorofaNABTransactAuthorisedUser.

4.4 YoushouldensurethateachofyourNABTransactAuthorisedUsershavebeenprovidedwith,andreadandunderstoodtheNABTransactAgreementbeforeusingtheNABTransactservice.

4.5 WemayrequireyouandanyNABTransactAuthorisedUsertobeidentifiedaccordingtoanyRelevantLaworanyotherrequirementsreasonablyspecifiedbyus.

5. Yourobligations

Youmust:

(a) establishpolicies,procedures,internalmanagementrulesandauditarrangementsfortheuseofNABTransactbyyouandyourNABTransactAuthorisedUsers(whichreflectyourinternalauthorisationrequirements,takeaccountofanypotentialriskoffraudandareconsistentwiththeNABTransactAgreement);

(b) complywith,andensurethatyourNABTransactAuthorisedUserscomplywith,thepoliciesandproceduresreferredtoinparagraph(a);

(c) onlyuseNABTransactforyourownconfidentialinternaluseandpurposesandinparticularyoumustnotgrantanythirdpartyaccesstoNABTransactorauthoritytooperateNABTransactonyourbehalf(exceptforNABTransactAuthorisedUsersandanybureauengagedbyyouthatweapprove)andyoumustnotoperateNABTransactonbehalfoforforthebenefitofanythirdpartyexceptasagreedbyus;

(d) obtain,operateandmaintainallequipmentandotherfacilitiesthatyourequiretobeusedwithNABTransact,andyouacknowledgethatwearenotresponsibleforsuchequipmentandfacilities,exceptwherewearethesupplieroftheequipmentandfacilities;

(e) keep,andensurethateachofyourNABTransactAuthorisedUserskeep,anyNABTransactUserID,PINorpasswordsecure,whichincludesensuringthatNABTransactAuthorisedUsers:

(i) chooseanewpasswordorPINwhenevertheyarerequiredtodosobytheNABTransactAdministrator;

(ii) chooseapasswordorPINthatisnotthesameas,orsimilarto,anyotherpersonalidentificationnumberorpasswordorPINtheyhaveforanyaccounttheyhavewith,orserviceprovidedbyNAB;

(iii) donotdisclosetheirNABTransactUserID,passwordorPINtoanyotherperson;

(iv) donotrecordorstoretheirNABTransactUserID,passwordorPINanywhere;

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(v) takereasonablecarewhenaccessingtheservicetoensurethattheirNABTransactUserID,passwordorPINisnotdisclosedtoanyotherperson,inparticularensuringthattheyarenotobservedwhileenteringtheirNABTransactUserID,passwordorPIN;

(vi) donotprovidetheirAuthenticationService(ifany)toanyotherperson;

(vii) donotusetheirAuthenticationService(ifany)otherthaninrespectoftheNABTransactserviceandtheyacknowledgethat,ifaNABTransactAuthorisedUserusestheirAuthenticationServiceforanyotherpurpose,NABmayrevoketheAuthenticationServiceandcanceltheavailabilityoftheNABTransactservicetoyou;

(viii) checkanyreportsgeneratedusingNABTransactcarefullyandpromptlynotifyNABofanyapparentdiscrepancy;

(ix) takeeveryreasonableprecautiontopreventthespreadordiffusionofanySoftwarecontaminationincludingcomputervirusesandtrojans;

(x) takereasonablestepstokeepanySoftwaresecure;and

(xi) takereasonablestepstoensurethesecurity,integrityandproperoperationoftheNABTransactServiceandanyNABProductsaccessedwithNABTransact.

(f) notifyusimmediatelyinthemannerdescribedatthefrontofthesetermsandconditionsifyoubecomeawarethatanyNABTransactUserID,PINorpasswordiscompromisedordivulgedandimmediatelyceasetousetheaffectedNABTransactUserID,PINorpassword;

(g) notifyusimmediatelyif:

(i) aNABTransactAuthorisedUser’scomputerwhichisusedtoaccessandusetheNABTransactserviceislost,stolenorfraudulentlyaccessed;

(ii) youbecomeawareofanyunauthorisedtransactionorerroronanaccountthatappearstobeconnectedwiththeuseoftheNABTransactservice;and

(h) takeresponsibilitytouseothermeansofeffectingtransactionsandgivingandobtaininginformationifforanyreasontheNABTransactserviceisunavailableforuse,ormalfunctioning.

6. ReportingandTransactionSearchfunctions

6.1 YouacknowledgethattheaccuracyofanyinformationaboutaNABProductthataNABTransactAuthorisedUserobtainsthroughtheusingtheReportingandTransactionSearchfunctionswiththeNABTransactservice:

(a) issubjecttoreviewbyNABaspartofitsnormalprocedures,andissubjecttoanychangesthatmayberequiredfollowingsuchareviewbyNAB;

(b) reflectstheentriesthathavebeenpostedinrelationtotherelevantNABProductandthatcanbeaccessedthroughtheNABTransactserviceatthetimetheinformationisobtained,andsomaynotbecompletelyuptodate.

6.2 YoumustcarefullyreviewtheinformationthatyouobtainthroughusingtheReportingandTransactionSearchfunctionswiththeNABTransactserviceandnotifyuspromptlyofanyerrors,inconsistenciesorotherdiscrepanciesthatyoubecomeawareof.

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6.3 WithoutlimitinganyothertermoftheNABTransactAgreement,NABdoesnotrepresentorwarrantthattheReporting&TransactionSearchfunctionscanbeusedtosatisfyanyofyourlegal,audit,compliance,riskorotherrequirements.

7. CustomerManagementfunction

7.1 Customer Management tool

TheNABTransactCustomerManagementfunctionallowsyoutostoreyourcustomers’creditcardandbankaccountdetailsinNABTransact’ssecuredatabase.TheCustomerReferenceNumberstoredwithyourcustomers’detailscanthenbeusedinsteadofcardoraccountdetailsforprocessingpaymentsthroughNABTransact.

7.2 Using Customer Management

(a) YoumustensurethatalldetailsenteredintotheCustomerManagementsectionofNABTransactarecorrectanduptodate.

(b) AninstructionfromyoutoustoprocessatransactioninrelationtoaCustomerReferenceNumberconstitutesaninstructiontoustoprocessthattransactioninrelationto:

(i) theStoredCardDetails,inthecaseofcardpayments;and

(ii) theStoredAccountDetails,inthecaseofdirectdebitpayments.

(c) YouindemnifyusagainstanyLossthatwesufferasaresultofanyerrormadebyyouinenteringtheCustomerReferenceNumber,theStoredAccountDetailsortheStoredCardDetailsoranyfailurebyyoutokeepsuchdetailsuptodate

8. NABProductsandtheePaymentsCode

IfyouaccessaNABProductwithNABTransactthatinvolvesPersonalEFTTransactionstheePaymentsCodeprovisionsintherelevantNABProductTermswilloverridethesetermsandconditionstotheextentofanyinconsistency.

9. Useoftheservice

9.1 ANABTransactAuthorisedUsermayusetheNABTransactserviceinaccordancewiththeNABTransactAgreement,unlesstheiruseoftheNABTransactserviceiscancelledorsuspendedundertheNABTransactAgreementorbyyourNABTransactAdministrator.

9.2 AccesstotheNABTransactservice,oraccesstocertainfunctionalitiesoftheNABTransactservice,mayonlybeallowedbyNAB:

(a) iftheproceduresandguidelinesspecifiedbyNABhavebeencompliedwith;and

(b) ifNABhasreceivedanydocumentorinformation,reasonablyrequiredbyNABincludinganydocumentwhichidentifiesaNABTransactAuthorisedUser.

9.3 AccesstotheNABTransactservice:

(a) willbedeniedtoaNABTransactAuthorisedUseriftheyenteranincorrectpasswordorPINon6consecutiveoccasions;or

(b) maybedeniedifanyverbal,written(includingelectronic)instructiongivenbyyouoraNABTransactAuthorisedUserinrelationtotheNABTransactserviceismadeinlanguageNABconsiderstobeinappropriate.

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10. Fees

10.1 TheNABTransactFeesarepayablebyyouinaccordancewiththisclause10.

10.2 YouauthoriseNABtodebityourBillingAccountwiththeNABTransactFees.

10.3 IfthereareinsufficientfundsinyourBillingAccount,youauthoriseNABtodebitrelevantNABTransactFeestoyourBillingAccountevenifthatcausestheaccounttobecomeoverdrawnorNABmayrequireyoutopaytheNABTransactFeesinanyothermannerNABreasonablydetermines.

10.4 IfyoucloseyourBillingAccount,NABwillautomaticallyselectanotheraccounttowhichtheNABTransactFeesmaybedebited.IfnoaccountsatisfactorytoNABexists,NABmayimmediatelycanceltheavailabilityoftheNABTransactservicetoyouuntilsuchtimethatyouopenanaccountsatisfactorytoNABorNABmayrequireyoutopaytheNABTransactFeesinanyothermannerNABreasonablydetermines.

10.5 Ifwerequireit,youmustprovideuswithanauthorityandrequestinaform,andsubjecttotermsandconditionswerequire,todirectdebityournominatedaccountatanotherinstitutionwiththeamountsreferredtointhisclause.

11. Intellectualproperty

11.1 YouacknowledgethatNAB,andotherthirdparties,owntheIntellectualPropertyRightsin:

(a) NABTransact;

(b) theNABTransactAgreement;

(c) thedesignandfunctionofanyservicesusedinconnectionwithNABTransact;

(d) theUserGuides;

(e) anyotherelectronicorprinteduser’sguideorotherprintedmaterial(“User’sMaterial”)relatedtotheNABTransactService;and

(f) anytrademarkusedinrelationtoNABTransactandanyservicesprovidedbyNAB.

NothingintheNABTransactAgreementtransfersanyright,titleorinterestinanyofthesethingstoyou,andyoumustnotinfringeourIntellectualPropertyRightsorotherpropertyrightsinthesethings.

11.2 NABwill,atitsexpense,defendyouagainstanyclaimthatNABTransact,theNABTransactAgreementoranyServiceortrademarkinfringesanyIntellectualPropertyRight,providedthatyou:

(a) provideNABwithwrittennoticeassoonasyoubecomeawareofanysuchclaim;

(b) allowNABtocontrolthedefenceandallrelatedsettlementnegotiations;and

(c) youfullyco-operatewithNABinrelationtothedefenceandallrelatedsettlementnegotiations.

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12. Exclusionandlimitationofliability

12.1 WetrytomaintainyourNABTransactservice,includingallequipmentandsystems,ingoodworkingorderandwithaslittledowntimeaspossible.However,theremaybetimeswhere,duetotechnologyissuesorscheduledmaintenance,youareunabletoaccessyourNABTransactserviceorexperienceslowertransactionresponsetimesthanusual.IfyouareusingNABTransactforpayments,werecommendyouhaveabackuppaymentmethodinplaceforwhenthisoccurs.

12.2 Youacknowledgethatwearenotliableforanylossofsales,lossofrevenueorlossofprofityouincurasaresultofyourNABTransactservicenotworkingproperly.

12.3 Ifanyequipmentthatwehavesuppliedtoyouisdefective,ourliabilityunderanyapplicableconsumerguaranteesorimpliedwarrantieswillbelimitedtothecostofrepairingorreplacingtheequipment.

12.4 Neitherpartywillbeliabletotheotherpartyforanyconsequentialorindirectlosshowevercaused.

13. Indemnity

13.1 YouagreetoindemnifyusforallLossweincurbecause:

(a) youbreachanobligationthatyouhaveundertheNABTransactAgreement;

(b) ofanywilfuldefault,negligence,fraud,actoromissionbyyouoranyofyourNABTransactAuthorisedUsersoranyofyouragentsorrepresentativesrelatingtotheNABTransactAgreementoranymatterorthingprovidedforbytheNABTransactAgreement;

(c) ofanyinfringementbyyouoryouragentsorrepresentativesofanotherperson’sIntellectualPropertyRights;

excepttotheextentthatwehavecontributedtotheLossthroughourownnegligence,breachormisconduct.

13.2 WeneednotincuranyexpensenormakeanypaymentbeforeenforcingarightofindemnityconferredbytheNABTransactAgreement.

13.3 IfyouhaveanyliabilitytousunderthisclauseoranyotherpartoftheNABTransactAgreement,wemaysetoffthatliabilityagainstanyliabilitywehavetoyou.

14. Serviceprovider

YouacknowledgeandagreethatwemayuseanyserviceprovidertoprovidetheNABTransactservice.

15. Variation

15.1 NABcan,atanytime:

(a) introduceanewNABTransactFeeorServiceCharge;

(b) varytheamountofaNABTransactFeeorServiceCharge,thewayinwhichitiscalculatedorwhenitischarged;

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(c) changeanyoftheotherprovisionsofthesetermsandconditionsasaresultofachangetoanylawaffectingthesetermsandconditions;and

(d) changeanyotherprovisionofthesetermsandconditionsoranyUserGuide.

15.2 NABwillgiveyounoticeofanyvariationsmadepursuanttothisclauseinthemannersetoutbelow.Ifwebelieveachangeisunfavourabletoyou,weusuallygivethenoticespecifiedbelow,butcangivelessnoticeornonoticeifthisisinaccordancewithlawandindustrycodes.Forexamplethismayhappenif:

(i) itisreasonableforustogivelessnoticetomanageanimmediateandmaterialrisk;or

(ii) thereisaneworvariedgovernmentchargeinconnectionwiththeNABTransactAgreement.Inthiscasewewilltellyouabouttheintroductionorchangereasonablypromptlyafterthegovernmentnotifiesus.Howeverwemaynothavetotellyouaboutthechangeorintroductionifthegovernmentpublicisesit.

Subjecttothemattersstatedabove,NABwillgiveyou:

(a) noticeofnewNABTransactFeesorServiceChargeswillbegiveninwritingorelectronicallyatleast30daysbeforethechangetakeseffect;

(b) noticeofchangestoNABTransactFeesorServiceChargeswillbegivenbymediaadvertisement,inwritingorelectronicallyatleast30daysbeforethechangetakeseffect;and

(c) noticeofchangestointerestrateswillbegivenbymediaadvertisement,inwritingorelectronically,nolaterthanthedayonwhichthechangetakeseffect;and

(d) noticeofanyotherchangestothesetermsandconditionswillbegiveninwritingorelectronicallyatleast30daysbeforethechangetakeseffect.

15.3

(a) Youagreethatnotices,certificates,consents,approvalsandothercommunicationsinconnectionwiththesetermsandconditionsfromNABmaybegiveelectronically:

(i) byelectronicmailtoyournominatedelectronicaddress;or

(ii) bybeingmadeavailableatNAB’swebsiteunlessyourequestotherwise.

Unlessyousorequest,NABisnotrequiredtogiveyoucommunicationsinotherways.

(b) WewillnotifyyouwhencommunicationsaremadeavailableusingtheNABTransactservice.

15.4 YoumaychangeyournominatedelectronicaddressorwithdrawyouragreementtoreceivenoticesbyelectronicmailbygivingNABnotice.

15.5 Forthepurposesofclauses15.2and15.3:

(a) Youmayrequestapapercopyofacommunicationgivenelectronicallyforsevenyearsfromthetimetheinformationisgiven.

(b) Acommunicationisdeemedtobereceivedwhenthecommunicationenterstherecipient’sdesignatedinformationsystemoriscapableofbeingviewedfromarecipient’scomputer,andiseffectivewhenreceivedevenifnopersonisawareofitsreceipt.

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(c) ForthepurposesofcommunicationssentbyelectronicmailandtheElectronicTransactionsAct,theserveronwhichthemailboxforthedesignatedaddressresidesistobetakentobetherecipient’sdesignatedinformationsystem.

(d) Acommunicationisdeemedtobesentfromwherethesenderhastheirplaceofbusinessandisdeemedtobereceivedwheretherecipienthastheirplaceofbusiness.Forthepurposesofthisclause:

(i) ifthesenderorrecipienthasmorethanoneplaceofbusiness,theplaceofbusinessisthesender’sorrecipient’sprincipalplaceofbusiness;and

(ii) ifthesenderorrecipientdoesnothaveaplaceofbusiness,theplaceofbusinessisthesender’sorrecipient’susualplace.

16. BankingCodeofPractice

16.1 NABhasadoptedtheBankingCodeofPracticeandrelevantprovisionsoftheCodeapplytoNABTransact,ifyouareanindividualorasmallbusinesscustomerreferredtointheCode.

16.2 YoucanobtainfromNABuponrequest:

(a) informationonNABcurrentinterestratesandstandardNABTransactFeesandcharges,ifany;

(b) generaldescriptiveinformationconcerningNABbankingservicesincluding:

(i) foraccountswithchequeaccess,generaldescriptiveinformationaboutcheques;

(ii) accountopeningprocedures;

(iii) NABobligationsregardingtheconfidentialityofyourinformation;

(iv) complainthandlingprocedures;

(v) bankcheques;

(vi) theadvisabilityofyouinformingNABpromptlywhenyouareinfinancialdifficulty;

(vii) theadvisabilityofyoureadingthetermsandconditionsapplyingtoeachbankingserviceNABprovidestoyou;

(c) generaldescriptiveinformationabout:

(i) theidentificationrequirementsoftheAntiMoneyLaunderingandCounterTerrorismFinancingAct2006(Cth);

(ii) theoptionsavailabletoyouunderthetaxfilenumberlegislation;and

(d) acopyoftheBankingCodeofPractice.

17. Anti-moneylaundering

17.1 Wemaydelay,blockorrefusetomakeanypaymentorprocessanyinstructions,orceasetoprovidetheNABTransactserviceinwholeorinparttoyouifwebelieveonreasonablegroundsthatmakingthepaymentorprocessingthoseinstructionsmaybreachanyRelevantLawinAustraliaoroverseas.

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17.2 YoumustprovideuswithallinformationthatwereasonablyrequiretocomplywithanyRelevantLawinAustraliaoroverseas.

17.3 UnlessyouhavedisclosedtousthatyouareactinginthecapacityofatrusteebyenteringintotheNABTransactAgreementoronbehalfofanotherparty,youwarrantthatyouareactingonyourbehalfenteringintheNABTransactAgreement.

17.4 YouconfirmthatthereceiptofmoneybyusinaccordancewithanyinstructionsgivenbyyouwillnotbreachanyRelevantLawinAustraliaoroverseas.

18. Confidentialityandprivacy

18.1 YoumustkeepanyConfidentialInformationconfidential.YoumayonlyusetheConfidentialInformationinrelationtotheNABTransactAgreement.

18.2 YoumaydisclosetheConfidentialInformationtoenableyoutoperformyourobligationsundertheNABTransactAgreementbutonlytoyourpermittedpersonneltotheextentthattheyhaveaneedtoknowthatinformation.

18.3 YoumustnotcopytheConfidentialInformationoranypartofitotherthanasstrictlynecessaryforthepurposesoftheNABTransactAgreementandmust,ifrequiredbyus,markanysuchcopy“Confidential–NAB”.

18.4 Youmustimplementsecuritypracticesagainstanyunauthorisedcopying,use,disclosure(byanymeansorinanyform),access,damageordestructionoftheConfidentialInformation.

18.5 OnterminationoftheNABTransactAgreement,orearlieronreasonablerequestbyus,youmustpromptlyreturntousordestroyanyorallcopiesofConfidentialInformation,inwhichcaseanyrighttouse,copyanddisclosetheConfidentialInformationceases.

18.6 Yourobligationsunderthisclause18continueinrelationtotheConfidentialInformationevenifitisreturnedtousordestroyedortheNABTransactAgreementareterminated.

18.7 Thisclause18doesnotapplytotheextentthatyouarerequiredbylawtodisclosetheConfidentialInformation.IfyouaresoobligedtodiscloseanyConfidentialInformation,youmustbeforedoingsoatourreasonablecost:

(a) notifyusandprovidedetailsoftheproposeddisclosure;and

(b) giveusareasonableopportunitytotakeanystepsweconsidernecessarytoprotecttheconfidentialityofthatConfidentialInformation;and

(c) provideassistancereasonablyrequiredbyustoprotecttheconfidentialityoftheConfidentialInformation;and

(d) notifytherecipientoftheConfidentialInformationthatitisourConfidentialInformation.

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18.8 WhenyoucollectinformationaboutanindividualthatwillbedisclosedtousundertheNABTransactAgreementorotherwiseinconnectionwithNABTransact,inadditiontoanyobligationsyoumayhaveconcerningConfidentialInformationundertheNABTransactAgreementorprivacylaw,youmustensurethattheindividualisawareof:

(a) ouridentity,asanorganisationwhichwillcollectthatindividual’spersonalinformationandourcontactdetailsasnotifiedbyustoyoufromtimetotime;

(b) thefactthattheindividualhasarighttorequestaccesstotheirpersonalinformationfromus;

(c) thepurposesforwhichtheindividual’spersonalinformationiscollectedbyus;

(d) theorganisationsortypesoforganisations(ifany)towhichwedisclosepersonalinformationofthekindcollectedabouttheindividual,asnotifiedbyustoyou;

(e) anylawthatrequiresthepersonalinformationtobecollectedbyus;and

(f) themainconsequences(ifany)fortheindividualifallorpartoftheirpersonalinformationisnotprovidedtous,asnotifiedbyustoyou.

18.9 Youacknowledgethatyoudonotrelyonanyinformationorrepresentationsupplybyustoyouasadviceregardingcompliancewithprivacylaws.

18.10 Youmustprocurethatyouremployees,officersandagentscomplywiththisclause18.

19. GST

NotwithstandinganyotherprovisionoftheNABTransactAgreement:

(a) IntheeventthatGSThasapplicationtoanysupplymadeunderorinconnectionwiththeNABTransactAgreementNABmay,inadditiontoanyamountorconsiderationpayableinaccordancewiththeNABTransactAgreement,recoverfromyouanadditionalamountonaccountofGST,suchamounttobecalculatedbymultiplyingtherelevantamountorconsiderationpayablebyyoufortherelevantsupplybytheprevailingGSTrate.

(b) Withoutlimitingthegeneralityoftheforegoing,intheeventthatNABisnotentitledtoaninputtaxcreditinrespectoftheamountofanyGSTchargedtoorrecoveredfromNABbyanyperson,orpayablebyNAB,orinrespectofanyamountwhichisrecoveredfromNABbywayofreimbursementofGSTreferabledirectly(orindirectly)toanysupplymadeunderorinconnectionwiththeNABTransactAgreement,NABshallbeentitledtoincreaseanyamountorconsiderationpayablebyyouonaccountofsuchinputtaxandrecoverfromyoutheamountofanysuchincrease.

(c) AnyadditionalamountonaccountofGST,oronaccountofanamountforwhichNABisnotentitledtoaninputtaxcredit,recoverablefromyoupursuanttothisclauseshallbecalculatedwithoutanydeductionorset-offofanyotheramountandispayablebyyouupondemandbyNABwhethersuchdemandisbymeansofaninvoiceorotherwise.

20. Separateconditions

Alltermsandconditions(includingfeesandcharges)applicabletoyourNABaccountsoranyNABProduct,otherNABproductorNABservicethatyouhave,continuetoapply.

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21. Notices

21.1 Anoticeinwritingisdeemedtobedulygivenif:

(a) givenpersonallytotheaddressee;or

(b) leftatthelastaddressadvised;or

(c) sentbyprepaidposttotheaddresslastadvised;or

(d) sentbyfacsimiletothefacsimilenumberlastadvised;or

(e) providedelectronically,inaccordancewithclause15.

21.2 Anoticesentbypostistakentobereceivedonthethirddayafterposting.

21.3 Anoticebyfacsimileistakentobereceivedonproductionofatransmissionreportbythemachinefromwhichthefacsimilewassentwhichindicatedthatthewholefacsimilewassent.

22. Changeofnameormerger

YoumustnotifyusinadvanceofanylegalnamechangeormergerinvolvingyouoranyNABTransactAuthorisedUser.

23. Assignment

YoumustnotassignyourrightsundertheNABTransactAgreementwithoutourconsent.

24. AvailabilityofNABTransact

WemaymaketheNABTransactserviceunavailablefromtimetotimeforeitherscheduledmaintenanceoremergencymaintenance(forexample,tocorrecterrorsorconductupgradesorenhancements).

25. Termination

EitherpartymayterminateyouruseoftheNABTransactServiceatanytimebywrittennoticetotheotherparty.SuchterminationwillnotaffectanyobligationsincurredbyyouundertheNABTransactAgreement.

YoumayterminatetheuseoftheNABTransactServicewithimmediateeffect.

WemayterminateyouruseoftheNABTransactServicewithoutcauseon90daysnoticetoyou.However,ifyouhavemateriallybreachedanyofthetermsoftheNABTransactServiceAgreement,wemayterminateyouruseoftheNABTransactServiceon14daysnotice(unlessyoucurethebreachwithinthe14daysanddonotrepeatit),orwithoutnoticeifwereasonablybelievethatyouruseoftheNABTransactServicecausesanimmediaterisktous.

AllmoniesdueandpayablebyyoutoNABundertheNABTransactAgreementwillimmediatelybecomedueandpayableonthedateoftermination.

26. Governinglaw

ThisagreementisgovernedbythelawinforceintheAustralianStateorTerritorywhereyouraddress(detailedontheLetterofOffer)islocated.IfthisaddressisnotlocatedinAustralia,thisagreementisgovernedbythelawofVictoria.AnycourtcasesinvolvingthisagreementcanbeheldinthecourtsofanyStateorTerritoryofAustralia.Youandwesubmittothenon-exclusivejurisdictionofthosecourts.

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PART B PRODUCT TERMS FOR PAY IN PERSON, PAY BY PHONE, PAY BY WEB, RENTCARD AND ALLOCATED EFT27. Definitions

ThefollowingdefinitionsapplytoPartBofthisdocument.OtherwordsusedinPartBandwhicharedefinedinPartAhavethemeaningasdefinedinPartA:

Activation FormmeanstheActivationFormfortheapplicableServiceprovidedtoyoubyNAB.

Allocated Account NumbermeansanaccountnumbergeneratedbytheaccountnumbergeneratortoolprovidedbyNABtoYou,thefirst9digitsofwhichmustcomprisewiththeNABTransactBSBNumberandClientSettlementIDandthefinaldigitofwhichischeckdigit.

Allocated EFT Servicemeanstheservicemoreparticularlydescribedinsection1ofSchedule2.

BarcodemeansabarcodethatcomplieswiththebarcodespecificationsprovidedtoyoubyNABforthepurposeofprovidingYouwiththePayinPersonServiceorNABRentCard.

Business DaymeansadayonwhichbanksareopenforgeneralbankingbusinessinVictoria,otherthanSaturdayorSunday.

Card SchememeansMasterCardandVisaandanygeneralpurposecreditcardschemethatNABdeterminesisaCardScheme.

Customermeansapersonwhoisyourcustomer.

Direct Debit User AgreementmeanstheagreementbetweenNABandyouunderwhichNABsponsorsyouasadebituserintheBulkElectronicClearingSystem.

GSThasthesamemeaningasundertheANewTaxSystem(GoodsandServices)TaxAct1999(Cth).

Letter of OffermeansaletterofofferwegiveyouinconnectionwithaService.

Merchant AgreementmeanstheagreementbetweenNABandyouunderwhichNABprovidesyouwithmerchantservices.

NAB Transact meansNAB’spaymentchannelandreportingproductknownbythatname.

NAB RentCardmeansavalidcustomeridentificationcardtomakearentalpayment,orsuchothertypeofpaymentasagreedbyus,inyourfavourataServiceProvider’spremisesasdirectedbyNABorassetoutintheLetterofOfferbytenderingcheque,cash,oracardapprovedbyNABoranyofthesetogetherincombinationwiththeBarcode.

Pay in PersonmeanstheServicethatallowsaCustomertomakeabillpaymentinyourfavouratNABoritsServiceProvider’spremisesasdirectedbyNABorassetoutintheLetterofOfferbytenderingcheque,cash,acardapprovedbyNABoranyofthesetogetherincombinationwiththeBarcode.

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Pay by PhonemeanstheServicethatallowsyourCustomerstomakepaymentstoyouoverthephoneusingthepaymentmethodsselectedbyyou.

Pay by WebmeanstheServicethatallowsyourCustomerstomakepaymentstoyouovertheInternetusingthepaymentmethodsselectedbyyou.

Scheme CardmeansageneralpurposecreditcardissuedunderaCardScheme.

Settlement AccountmeanstheaccountmostrecentlynominatedbyyouforthepurposesofNABsettlingamountowedtoyouunderthisagreementandfordebitingreversed,returnedorchargedbacktransactions.

Servicemeanseachoftheserviceslistedinclause28.1

Service Chargesmeans,inrelationtoaService,thechargespayablebyyoufortheServiceassetoutintherelevantLetterofOfferandincludesanyrevisedchargesnotifiedtoyoubyNABunderclause15.

Service ProvidermeansapartyengagedbyNABtoassistinprovidingaService.

TenantmeansaCustomerwhoisobligedtomakerentalpaymentstoyouandwhohasbeenissuedwithaNABRentCardbyyou.

Trade Marksmeanseachofthevarioustrademarks(includingbutnotlimitedtoregisteredandunregisteredtrademarksandtradenames)whichareusedonorinrelationtotheServiceorothergoodsandservicesprovidedbyNABfromtimetotime.

URLmeansanaddressthatspecifiesthelocationofafileontheinternet.

28. Supplyofservice

28.1 NABagreestoprovideyouwiththefollowingservicesiftheyarethesubjectofaLetterofOffer:

(a) PaybyPhone;

(b) PaybyWeb;

(c) NABRentCard

(d) PayinPerson;and

(e) AllocatedEFT.

(eacha“Service”).

28.2 ThetermsonwhichaServiceisprovidedaresetoutin:

(a) thisdocumentincluding,forPayinPersonandRentCard,Schedule1,andAllocatedEFT,Schedule2;

(b) theseparatetermsgoverningthepaymentmethodsusedbyyourCustomersinconnectionwiththeServiceincluding:

(i) theMerchantAgreement,ifpaymentsaremadebyaSchemeCardandtheServiceisnotPayinPerson;

(ii) theDebitUserAgreement,ifpaymentsaremadebydirectdebittotheCustomer’saccount;and

(iii) thetermsofyourchargecardagreement,ifpaymentsaremadebychargecard.

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(c) theUserGuide;and

(d) theGeneralTermsandConditionssetoutinPartAofthisdocument(togetherthe“Service Terms”).

28.3 AServicewillbeprovidedtoyouif:

(a) NABhasreceivedacompletedActivationFormfromyou;and

(b) NABhasnotifiedyouthattheServicehasbeenactivatedandyouareabletoacceptlivetransactions.

28.4 Ongivingreasonablenoticetoyou,NABmayrefusetoactivateaService,de-activateaServiceorsuspendpartorallofaServiceif:

(a) youdonotcomplywithyourobligationsunderanyoftheServiceTerms;or

(b) NABdeterminesthatitisnecessaryto:

(i) monitorandreducetheincidencesoffraud;or

(ii) performsystemandnetworkmaintenance.

29. Yourobligations

29.1 Youmust,inrelationtoaService:

(a) complywiththeServiceTerms;

(b) paytheServiceCharges;

(c) provideNABwithanyassistancereasonablyrequestedtoallowtheServicetobeactivated(includingaccesstoyournetworkorsystemsasrequired);

(d) promoteandsupplytheServiceinaccordancewiththisagreementunderthenamespecifiedbyNAB;

(e) provideinformationrelatingtotheServicereasonablyrequiredbyNABforthepurposesofthisagreement;and

(f) worktogetherwithNABtoestablishprocedurestoreducefraudortheopportunityforfraudinrelationtotheService.

29.2 YoumustpromptlynotifyNABofanychangeinyourdetailsasprovidedintheActivationFormorasotherwiseprovidedtous.

29.3 PriortoreportingaServicefaulttoNAB,youmustensurethatyourownnetworkisfreefromfaults.

30. NAB’sobligations

30.1 NABmust,inrelationtoaService:

(a) settlethevalueofallvalidandacceptabletransactions:

(i) forthePayinPersonService,assoonasreasonablypracticableafterNABhasreceivedsuchvaluefromtherelevantServiceProvider.NABwilleffectsettlementbycreditingthevalueofthosetransactionstoyourSettlementAccountsubjecttotheconditionssetoutinSchedule1;and

(ii) fortheAllocatedEFTService,assetoutinsection2ofSchedule;and

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(iii) fortheNABRentCardServiceassoonasreasonablypracticableafterNABhasreceivedsuchvaluefromtheServiceProvider.NABwilleffectsettlementbycreditingthevalueofthosetransactionstoyourSettlementAccountsubjecttotheconditionssetoutinSchedule1;

(iv) forallotherServices,fortransactionsthatareprocessedbyNAB,inaccordancewiththerelevantServiceTerms;

(b) provideyouwithadailyTransactionStatementshowingthetransactionsprocessedbyNABforthedayadvisedastheprocessingdate;and

(c) useallreasonableendeavourstoinformyouofanyscheduledoutages,whichmayaffecttheavailabilityofaService.

30.2 AnyamountsthatNABmustpayyouunderthisagreementmaybesetoffagainstamountspayablebyyoutoNABunderthisagreement.

31. Billing

31.1 NABwilldebitanyamountduebyyoutoNABunderthisagreementasfollows:

(a) ServiceChargeswillbedebitedtoyourBillingAccountwithin3BusinessDaysoftheendofthemonth;

(b) amountstobedebitedunderSchedule1andSchedule2willbedebitedtoyourSettlementAccountorsuchotheraccountasagreedassoonasreasonablypracticable;and

(c) allotheramountsowedunderthisagreementwillbedebitedtoyourBillingAccountorSettlementAccountasapplicablewhendueandpayable.

31.2 Itisyourresponsibilitytoensureyouhavesufficientfundsintherelevantaccounttopayamountsowingunderthisagreement.

31.3 Ifyoudonothavesufficientfundsintherelevantaccountreferredtoinclause31.1:

(a) youauthoriseNABtodebittheamountsowingbyyoutoanotherNABaccount;

(b) ifrequestedbyNAB,youmustprovideNABwithanauthorityandrequestinaform,andsubjecttothetermsandconditionsNABreasonablyrequires,todirectdebityournominatedaccountatanotherinstitutionwiththeseamounts;and

(c) youmustpayallapplicablefeesassociatedwithnothavingsufficientfundsintherelevantaccountandNABhavingtodebitanotheraccount.

31.4 NABwillprovideyouwithaBillingStatementsettingouttheServiceChargesincurredbyyouwithin14daysaftertheendofeachmonth.

32. ThingsyouneedtousetheServices

32.1 WewillprovidethefollowingtoyouforthepurposeofenablingyourcustomerstousetheServices:

(a) ForthePaybyPhoneService,aphonenumberforcustomerstocalltoaccesstheService;

(b) ForthePaybyWebService,aURL;

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(c) ForthePayinPersonService,barcodespecificationsforuseonremittanceadvices;

(d) FortheNABRentCardService,plasticcardscontainingbarcodes;and

(e) FortheAllocatedEFTService,partialuseofaNABBSBNumber,a3digitSettlementIDandatooltogenerateAllocatedAccountNumbers,asdescribedinSchedule2.

32.2 Youacknowledgeandagreethatyouacquirenorightsinanyofthethingslistedinclause32.1above.

32.3 Youmustnottransferorseektotransferanyofthethingslistedin32.1aboveoruseanyofthemforapurposeotherthanaccessingtheparticularServiceforwhichtheyweresupplied.

33. Termination

33.1 NABmayterminateorsuspendtheprovisionofanyoralloftheServicesatanytimeif:

(a) Youcommitamaterialbreachofthisagreementwhichisincapableofbeingcuredandhasamaterialimpactonourcreditorsecurityrisk;

(b) youcommitamaterialbreachwhichiscapableofremedy,butyoufailtoremedythebreachwithin14daysofnoticerequiringyoutodoso;

(c) inNAB’sreasonableopinion,providingyouwithaServiceputsNABatimmediaterisk.

NABmaydosobygivingyounoticeinwriting.Thenoticedoesnothavetostateareason.

33.2 YoumayterminateyouruseofaServiceatanytimebygivingNAB30daysnoticeinwriting.

34. Consequencesoftermination

34.1 OnterminationofanyService,youmustimmediately:

(a) stoppromotingthatService;

(b) stopsupplyingthatService;

(c) payNABallamountsowedtoNABinrespectofthatService;

(d) stop,andrequireyourCustomerstostop,using:

(i) anyphonenumberallocatedtoyouforthepurposeofthePaybyPhoneserviceifthePaybyPhoneServiceisterminated;

(ii) anyURLallocatedtoyouforthepurposeofthePaybyWebserviceifthePaybyWebServiceisterminated;

(iii) anyBarcodespecificationsprovidedtoyouforthepurposeofthePayinPersonServiceifthePayinPersonServiceisterminated;and

(iv) anyNABRentCard,iftheNABRentCardServiceisterminated;

(v) theNABTransactBSB,3digitSettlementIDandAllocatedAccountNumberstomakepaymentstoyou,iftheAllocatedEFTServiceisterminated;and

(vi) anyTradeMarkswhichyouhavebeengivenpermissiontouseforthepurposeoftheterminatedService;

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(e) unlessotherwiseadvisedbyNAB,returntoNAB:

(i) allNABConfidentialInformationinamaterialformandallcopiesofitthatareinyourpossessionorcontrol;and

(ii) theUserGuidesandallotherdocumentationprovidedtoyouinrelationtotheterminatedServices.

34.2 Terminationofthisagreementoranypartofitwillnotaffecttheaccruedrightsorremediesofeitherparty.

35. Lossandindemnity

35.1 Loss where value not received by NAB

IfyouusePayinPerson,AllocatedEFT,orNABRentCardyouacknowledgethat,subjecttoyourimpliedrightsatlawwhichcannotbeexcluded:

(a) ifaCustomereffectsapaymentbutanequivalentvalueisnotreceivedbyorcreditedtoNAB(includingbecauseanamountcreditedtoNABisreversed),NABisnotliabletoyouforthatvaluenotbeingcreditedtotheSettlementAccountor,ifalreadycredited,beingdebitedtotheSettlementAccount(orsuchotheraccountasagreed)bywayofreversal;and

(b) NABisnotliableforanyLosssufferedasaresultofamissingorerroneouspaymentforwhichavalidreceiptcannotbeproduced.

35.2 Additional indemnity for Allocated EFT Service

Inadditiontotheindemnityinclause13,inrelationtotheAllocatedEFTService,youalsoagreetoindemnifyforallLossweincurbecauseof:

(a) NABreturningorrefusingDirectEntriespayableonanyBankingDaybecause:

(i) NABissoinstructedbyyou;or

(ii) theAllocatedAccountNumberfailsvalidation;or

(iii) theDirectEntrywasadebitdrawing;or

(iv) NABisotherwiseentitledtodosounderthisAgreement;

(b) aCustomerusingtheAllocatedAccountNumbertomakeadepositatabranchordepositbox;or

(c) anyreasonabledelay(includingwithoutlimitationanydelaycausedbycircumstancesbeyondthecontrolofNAB)intheavailabilityofthedailytransactionreport.

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SCHEDULE 1 PAY IN PERSON/NAB RENTCARD1. Reasonsfordelayinpayment

1.1 YouacknowledgethatdelaymightoccurinthecreditingofvalidandacceptablePayinPersonorNABRentCardtransactionstotheSettlementAccountunderclause31where:

(a) thereisapublicholidayinSydneyorMelbourneonthedayoronthedayafterapaymentismade;

(b) apaymentisreceivedbyaServiceProviderthatdoesnothaveelectronicfacilities;

(c) apaymentisreceivedoveraweekend;or

(d) aServiceProviderfailstoperformitsobligationsinreceivingpayments.

1.2 WhileitisexpectedthatanydelayinNAB’sperformanceunderthisagreementforareasonsetoutinitem1.1ofthisSchedulewillnotcontinueformorethanoneBusinessDay,youacknowledgethatanysuchdelaymightcontinueforalongerperiod.

1.3 NABwillnotbeinbreachofthisagreementmerelybecauseofadelayofthekindreferredtoinitem1.1ofthisSchedule.

2. DishonourofchequesreceivedbyaServiceProvider

2.1 WhereapaymentismadebythetenderofachequetoaServiceProviderthatisdishonouredwhenpresentedforpaymentbyaServiceProvider’sbankNABwill:

(a) notifyyouofthedishonour,therelevantamountandanyotherrelevantinformationassoonasisreasonablypracticableafterNABisnotifiedofthesedetailsbytheServiceProvider;and

(b) forwardtoyoueachchequethatisdishonouredwhenNABreceivesthechequefromtheServiceProvider.

2.2 WheretheamountofadishonouredchequehasbeencreditedtotheSettlementAccountpursuanttoclause31ofthisagreement,atanytimeafterNABhasreceivednotificationofdishonour,NABmaydebitthatamountbywayofreversaltoyourSettlementAccount(orsuchotheraccountasagreed)inaccordancewithclause31ofthisagreement.

3. Reversedtransactions–cheques

3.1 WhereapaymentismadebythetenderofachequetoaServiceProviderbutitappearsthatthechequewillnotbeabletobepresentedforpaymentbyaServiceProvider’sbankforanyreason(including,forexample,iftheServiceProviderisunabletolocatethecheque)(“LostCheque”),thenNABwillnotifyyouoftherelevantamountandanyotherrelevantinformationassoonasisreasonablypracticableafterNABisnotifiedofthesedetailsbytheServiceProvider.

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3.2 Wheretheamountofachequetowhichitem3.1ofthisScheduleapplieshasbeencreditedtotheSettlementAccountpursuanttoclause31ofthisagreement,atanytimeafterNABhasreceivednotificationofaLostCheque,NABmaydebitthatamountbywayofreversaltoyourSettlementAccount(orsuchotheraccountasagreed)inaccordancewithclause31andofthisagreement.

4. PaymentbySchemeCard

ForpaymentsusingaSchemeCard,youmust:

(a) onlyallowyourCustomerstousethePayinPersonifyousuppliedthegoodsand/orservicesthesubjectofyourCustomer’sbill,or,inthecaseofrentalpaymentsmadeusingNABRentcard,youareauthorisedbytheTenant’slandlordtocollectrentalpaymentsmadebythatTenant;

(b) notbillyourCustomersbeforeyouhavesuppliedthemwiththegoodsand/orservicesthesubjectofthebill,unlessyourCustomerhasagreedtoreceivethemlater;

(c) establishafairpolicyfordealingwithrefundsanddisputesandmakethatpolicyavailableforthebenefitofyourCustomers;

(d) ifyouagreetorefundatransactionasaresultofyourCustomerapproachingyoudirect,givetherefundbycreditwherepossibleandnotincashorbycheque;

(e) promptlyassistNABinresolvingCustomerdisputesinvolvingtheuseofaSchemeCardasapaymentmethod.

5. Reversedtransactions–SchemeCards

5.1 YouacknowledgeandagreethatwhenpaymenthasbeenmadeusingaSchemeCardthatNABcanreverse(chargeback)atransactionif:

(a) YourCustomerdisputesliabilityforthetransactionforanyreasonthatisdeterminedbyNABinitsreasonableopiniontobevalid;

(b) thesignatureonthetransactionreceiptisforgedorunauthorised;

(c) thetransactionwasnotauthorisedbyyourCustomerintheircapacityasthecardholder;

(d) anotherpartysuppliedthegoodsand/orservicesthesubjectofyourCustomer’sbill;

(e) yousuppliedthegoodsand/orservicesthesubjectofyourCustomer’sbilltoapersonwhowasnotagenuineCustomerorhaveindicatedyourintentiontodoso;

(f) youdidnotcomplywithanyofyourobligationsinitem4ofthisSchedule.

5.2 Ifitem5.1ofthisScheduleapplies,youacknowledgeandagreethatNABmaydebittheamountofthetransactionbywayofreversaltoyourSettlementAccount(orsuchotheraccountasagreed)inaccordancewithclause31ofthisagreement.

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6. NABRentCard

6.1 Your responsibilities

(a) YouareresponsibleforprovidingeachtenantaNABRentCardwithbarcodeforacceptanceofrentalpaymentsattheServiceProvider.

(b) YouareresponsibleforanylosssufferedasaresultofincorrectpaymentdetailsbeingprovidedtoCustomer.

(c) YoumustinformTenantsthattheNABRentCardistobeusedonlytomakepaymentstoyouviatheServiceProviderandisnottobeusedtomakerentalpaymentsoverthecounteratanyNABbranch.

6.2 Customer termination

WhenaTenantceasestobeatenant,youmust:

(a) advisetheTenanttostopusingtheNABRentCardtomakerentalpaymentstoyou;and

(b) collecttheNABRentCardfromthatTenant.

6.3 NAB RentCard production

Atthetimeofimplementation,wewillprovidetoyouthecontactdetailsforplacingNABRentCardorders.Pleaseallowupto15BusinessDaysfromthetimeoforderingfortheproductionanddeliveryoftheNABRentCardstoyou.

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SCHEDULE 2 ALLOCATED EFT1. AllocatedEFTservice

1.1 Service Description

TheAllocatedEFTServiceprovidesamechanismforallocatinguniqueaccountnumberstocustomersforthepurposeofmakingpaymentsviadirectcreditorelectronicbanking,withouttherequirementtoestablishormaintainseparatebankaccountsforeachcustomer.AllocatedAccountNumbersarebasedonthefollowingnumberingconventions:

[XXXXXX] [XXX] [XXXXX] [X]

NABTransactBSB Clientspecific AccountNumber CheckDigit SettlementID (AllocatedVariable)

TheNABTransactBSBandSettlementIDwillbefixed.TheAllocatedVariableandCheckDigitwillbegeneratedusingatoolprovidedtoClientbyNAB.

1.2 BSB and Settlement ID

NABwillallocatetoyou:

(a) thepartialuseofaNABBSBnumber;and

(b) aclient-specific3digitSettlementID,whichwillbeusedtoidentifypaymentsmadetoyou.

YouacknowledgethatyouacquirenorightsinanyBSBnumberorSettlementIDallocatedtoyouandyoumaynottransfer,orseektotransfer,theBSBorSettlementID,oruseeitherforapurposeotherthanusingtheAllocatedEFTServiceunderthisAgreement.

1.3 Allocated Account Numbers

(a) NABwillprovidetoyouatooltogenerateAllocatedAccountNumbers.

(b) YouareresponsibleformaintainingarecordofAllocatedAccountNumbersinuseanddetailsoftowhichcustomerthoseAllocatedAccountNumberscorrespond.

(c) YouacknowledgethatNABhasnorecordofcustomerstowhomAllocatedAccountNumbershavebeenassignedandyouaresolelyresponsibleforensuringthatanycreditsmadetoaAllocatedAccountNumberarereconciledbacktotheappropriateCustomer’sledgerwithyou.

1.4 Your responsibilities

(a) YouareresponsiblefornotifyingeachCustomerofthepaymentdetailstobeusedbythatCustomerwhenmakingdirectcreditorinternetbankingpaymentstoyou.

(b) YouareresponsibleforanylosssufferedasaresultofincorrectpaymentdetailsbeingprovidedtoCustomer.

(c) YoumustinformCustomersthattheAllocatedAccountNumberistobeusedonlytomakepaymentstoyouviaDirectCreditandisnottobeusedtomakedepositsoverthecounteratanyNABbranch.

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1.5 Customer termination

Whenacustomerceasestobeacustomer,youmust:

(a) advisetheCustomertostopusingtheAllocatedAccountNumbertomakepaymentstoyou;and

(b) removetheallocatedaccountnumberfromanyfurthercorrespondencewiththatcustomer.

2. Paymentprocessingandreporting

2.1 Payment to Settlement Account

(a) AllDirectCreditsreceivedbyNABinrespectofvalidaccountnumbersbearingtheNABBSBandSettlementIDallocatedtoyouwillbesettledtoyourSettlementAccount,inaccordancewiththetermsofthisdocument.

(b) AnyDirectEntryitemthatisadebitdrawinginrespectofanyaccountbearingtheNABBSBandSettlementIDwillberejected,otherthandebitsforthepurposeofeffectingareturnorrefusalofacredittotheaccount.

2.2 Processing

WhenNABreceivesDirectCreditsthroughthepaymentsystem,theDirectCreditsandtherelevantdetailsaretobeprocessedbyNABtotheSettlementAccountinaccordancewithanyapplicableAPCAregulationsorprocedures(includingBECSrulesandprocedures)andNAB’sstandardbankingpractice.

2.3 Reporting

(a) Asearlyaspracticableoneachbusinessday,NABwillmakeavailabletoyouthroughNABTransactareportlistingalltransactionstotheSettlementIDmadeonthepreviousBusinessDay.

(b) IfthereportrelatingtothepreviousBusinessDayisnotavailablethroughNABTransactby7.00amonthenextBusinessDay,youmustnotifyNABassoonaspracticableandNABmustusereasonableendeavourstomakethereportavailableassoonaspossiblethereafter.

2.4 Unapplied and mistaken payments

Youmust:

(a) promptlynotifyNABifyouareunabletoapplypaymentslistedinatransactionhistoryreporttoaccountsyoumaintainforyourcustomersforanyreason;

(b) uponbeingnotifiedbyNABthatacredititemreceivedbyyouisallegedlyunauthorised(“notice”):

(i) immediatelypreventthewithdrawalorotheruseorapplicationofthefundsheldbyyoupendingtheresolutionofthematterbyNAB;and

(ii) complywithanyreasonablerequestforassistanceinunwindingthetransaction.

YouauthoriseNABtodebittheSettlementAccount(orsuchotheraccountasagreed)foranyamountswhichwerecreditedtotheSettlementAccountasaresultofabankorpayererror.

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nab transact terms and conditions · 7. customer management function 9 8. nab products and the...

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