These Conditions of Use take effect on and from March 2019 except as otherwise advised in writing and replace all VISA® Debit Card Conditions of Use previously issued.

Product disclosure statement

These Conditions of Use apply to your use of the VISA® card. You will also be given a Product Schedule which sets out other important information about this product.

Together these two documents comprise homeloans.com.au Pty Ltd Product Disclosure Statement (“PDS”) for the VISA® card.

These Conditions of Use govern the use of the VISA® card to access your Linked Account(s). homeloans.com.au Pty Ltd will process the value of all transactions, and any fees and charges, to your Linked Account(s). Each such transaction will be governed by these Conditions of Use and by the terms and conditions for the relevant Linked Account.

You should read all these documents carefully and retain them for future reference. Copies of each of the documents can be made available to you on request from homeloans.com.au Pty Ltd.

Enquiries

If you would like any further information about the VISA® card, please contact the homeloans.com.au Pty Ltd.

homeloans.com.au Pty Ltd.

ABN 49 118 337 367
Issued: March 2019

You should follow the guidelines in the box below to protect against unauthorised use of the VISA® card and PIN. These guidelines provide examples of security measures only and will not determine your liability for any losses resulting from unauthorised EFT Transactions. Liability for such transactions will be determined in accordance with clause 16 of these Conditions of Use and the Electronic Funds Transfer Code of Conduct.

1. Introduction

These Conditions of Use govern use of the VISA® card to access to your Linked Account(s) at homeloans.com.au Pty Ltd. Each transaction on a Linked Account is also governed by the terms and conditions to which that account is subject. In the event of an inconsistency between these Conditions of Use and the terms applicable to your Linked Account(s), these Conditions of Use shall prevail.

Definitions

In these Conditions of Use:

“Card Details” means the information provided on the card and includes, but is not limited to, the card number and expiry date.

“CUSCAL” means Cuscal Limited.

“Day” means a 24 hour period commencing on midnight in Sydney Eastern Standard Time or Eastern Summer Time, as the case may be.

“EFT System” means the shared system under which EFT Transactions are processed.

“EFT Terminal” means the electronic equipment, electronic system, communications system or software controlled or provided by or on behalf of homeloans.com.au Pty Ltd or any third party for use with a VISA® card and PIN to conduct an EFT Transaction and includes, but is not limited to, an automatic teller machine or point of sale terminal.

“EFT Transaction” means a transaction initiated by your instruction to:

1. withdraw cash from an automatic teller machine with the VISA® card and your PIN;
2. purchase goods and/or services at VISA® outlets using the VISA® card and your PIN or signature depending on the relevant authorisation requirement of the VISA® outlet; and
3. make a payment via the internet or telephone using your VISA® card number and any associated security code if required.

“Electronic Equipment” includes, but is not limited to, a computer, television, telephone and an EFT Terminal.

“Linked Account” means your account(s) which you link to a VISA® card, and includes any overdraft or line of credit which you may attach to your Linked Account.

“Merchant” means a retailer or any other provider of goods or services.

“Nominee” means any person nominated by you to whom Rhomeloans.com.au Pty Ltd has issued an additional VISA® card to access your Linked Account(s).

“PayWave” means the functionality on specific VISA® debit cards that enables you to make small value purchases at participating merchant outlets.

“PIN” means the personal identification number issued to you or a Nominee by homeloans.com.au Pty Ltd including an additional or replacement PIN, for use with a VISA® card when giving an instruction through Electronic Equipment.

“Regular Payment Arrangement” means either a recurring or an instalment payment agreement between you (the cardholder) and a Merchant in which you have preauthorised the Merchant to bill your Linked Account at predetermined intervals (eg. monthly or quarterly) or at intervals agreed by you. The amount may differ or be the same for each transaction.

“VISA® card” means the VISA® card issued to you or a Nominee by homeloans.com.au Pty Ltd.

“VISA® Direct” means the funds transfer service which allows funds to be transferred (and received immediately) from one VISA® Card to another.

Unless otherwise required by the context, a singular word includes the plural and vice versa.

2. Codes of conduct

homeloans.com.au Pty Ltd warrants that it will comply with the requirements of the Electronic Funds Transfer Code of Conduct where that code applies, and any other relevant industry code of practice that may apply to it.

3. Signing the VISA® card

You agree to sign your VISA® card immediately upon receiving it and before using it as a means of preventing fraudulent or unauthorised use of your VISA® card.

You must ensure that where an additional VISA® Card is issued to your Nominee your Nominee signs the VISA® card issued to them immediately upon receiving it and before using it.

4. Protecting the PIN

homeloans.com.au Pty Ltd will provide a PIN to use the VISA® card with certain Electronic Equipment. You agree to protect this PIN as a means of preventing fraudulent or unauthorised use of the VISA® card.

You must not tell or show the PIN to another person or allow it to be seen by another person, including your family and friends.

If you change the PIN, you must not select a PIN which represents your birth date or a recognisable part of your name. If you do use an obvious PIN such as a name or date you may be liable for any losses which occur as a result of unauthorised use of the PIN before notification to homeloans.com.au Pty Ltd that the PIN has been misused or has become known to someone else.

Do not record the PIN on the VISA® card or keep a record of the PIN on anything which is kept with or near the VISA® card unless reasonable steps have been taken to carefully disguise the PIN or to prevent unauthorised access to that record.

5. Using the VISA® card

You can conduct transactions up to AU$35.00 dollars without entering your PIN or signing as long at these transactions are conducted face-to-face at a participating merchant outlet.

The merchant must provide you with a receipt for the transaction if you request.

If you have been issued with a VISA® debit PayWave card which is identifiable by the PayWave logo, you will be able to make faster purchases. Instead of swiping your card as you always have, you will just need to tap your VISA® card against the contactless reader.

Payments using the PayWave functionality can only be made at a participating merchant outlet and if your purchase under AU$100.00. If your purchase is equal to or over AU$100.00, you’ll still need to PIN.

The VISA® and homeloans.com.au Pty Ltd security systems continue to protect you from unauthorised transactions. The same conditions apply to your VISA® Debit PayWave transactions as your other VISA® card transactions.

The VISA® card may only be used to perform transactions on your Linked Account(s). homeloans.com.au Pty Ltd will advise you of the accounts, including any credit facility, which you may link to the VISA® card.

homeloans.com.au Pty Ltd will debit your Linked Account(s) with the value of all transactions, including sales and cash advance vouchers arising from the use of the VISA® card (including all mail or telephone orders placed by quoting the VISA® card number) and all other EFT Transactions, or credit your Linked Account(s) with the value of all deposit transactions at EFT Terminals.

You can receive funds transferred by another VISA® cardholder via VISA® Direct up to the value of <insert amount set>. Any transfers that exceed the transfer limit will not be processed and funds will be returned to the sender. To receive funds, you need to provide only your 16 digit VISA® card number to the sender. You should not provide any further VISA® card details such as the expiry date or your PIN. The funds should normally be received in your Linked Account within a few minutes but may take up to 30 minutes. You cannot transfer funds using this service, you can only receive them.

homeloans.com.au Pty Ltd will advise you from time to time:

• (1) what EFT Transactions may be performed using the VISA® card; and

• (2) what EFT Terminals may be used.

Transactions will not necessarily be processed to your Linked Account on the same Day.

6. Using the VISA® card outside Australia

All transactions made in a foreign currency on the VISA® card will be converted into Australian currency by VISA® Worldwide, and calculated at a wholesale market rate selected by VISA® from within a range of wholesale rates or the government mandated rate that is in effect one day prior to the Central Processing Date (that is, the date on which VISA® processes the transaction).

All transactions made in a foreign currency on the VISA® card are subject to a currency conversion fee equal to 2% of the value of the transaction, payable to Cuscal as the principal member of VISA® Wordwide, plus 2% of the value of the transaction payable to the homeloans.com.au Pty Ltd. The amount of this currency conversion fee is subject to change from time to time and homeloans.com.au Pty Ltd will advise you in advance of any such change.

Some overseas Merchants and EFT Terminals charge a surcharge for making an EFT Transaction. Once you have confirmed the transaction you will not be able to dispute the surcharge. The surcharge may appear on your statement as part of the purchase price.

Some overseas Merchants and EFT Terminals allow the cardholder the option to convert the value of the transaction into Australian dollars at the point of sale, also known as Dynamic Currency Conversion. Once you have confirmed the transaction you will not be able to dispute exchange rate applied.

Before travelling overseas, you or your Nominee should consult homeloans.com.au Pty Ltd to obtain the VISA® Card Hotline number for your country of destination. You should use the VISA® Card Hotline if any of the circumstances described in clause 17 apply.

A cardholder must comply with all applicable exchange control and tax laws governing the use of the card and you indemnify us against liability, loss, fees, charges or costs arising as a consequence of a failure to comply with them.

7. Withdrawal and transaction limits

You agree that the VISA® card will not be used to:

• (1) overdraw any of your Linked Account(s); or
• (2) exceed the unused portion of your credit limit under any pre-arranged credit facility such as line of credit or overdraft.

If clause 7(a) is breached, homeloans.com.au Pty Ltd may:

• (1) dishonour any payment instruction given; and
• (2) charge you an administrative fee as advised to you from time to time.

homeloans.com.au Pty Ltd may at any time limit the amount of an EFT Transaction if this is required for security or credit risk purposes. homeloans.com.au Pty Ltd will advise you of any such daily or periodic transaction limits in the Product Schedule which forms part of the PDS for the VISA® card.

You acknowledge that third party organisations including Merchants may impose additional restrictions on the amount of funds that may be withdrawn, paid or transferred.

8. Authorisations

You acknowledge and agree that:

homeloans.com.au Pty Ltd has the right to deny authorisation for any EFT Transaction where this is required for security or credit risk purposes; and

homeloans.com.au Pty Ltd will not be liable to you or any other person for any loss or damage which you or such other person may suffer as a result of such refusal.

9. Deposits at EFT terminals

Any deposit you make at an EFT Terminal will not be available for you to draw against until your deposit has been accepted by homeloans.com.au Pty Ltd.

Cheques will not be available to draw against until cleared.

Your deposit is accepted once homeloans.com.au Pty Ltd has verified it in the following way:

• (1) your deposit envelope will be opened in the presence of any two persons authorised by homeloans.com.au Pty Ltd;
• (2) should the amount you record differ from the amount counted in the envelope, homeloans.com.au Pty Ltd may correct your record to the amount counted;
• (3) homeloans.com.au Pty Ltd count will be conclusive in the absence of manifest error or fraud, unless you provide us with satisfactory supporting evidence of the amount that you deposited; and

If the amount recorded by the EFT Terminal as having been deposited should differ from the amount counted in the envelope by homeloans.com.au Pty Ltd, homeloans.com.au Pty Ltd will notify you of the difference as soon as possible and will advise you of the actual amount which has been credited to your Linked Account.

homeloans.com.au Pty Ltd is responsible for the security of your deposit after you have completed the transaction at the EFT Terminal (subject to homeloans.com.au Pty Ltd’s verification of the amount you deposit).

10. Account statements

homeloans.com.au Pty Ltd will send you an account statement for the Linked Account at least every 6 months. You may request more frequent account statements.

In respect of any Linked Accounts which have a pre-arranged credit facility attached such as line of credit or overdraft, homeloans.com.au Pty Ltd will send you an account statement monthly.

You may request a copy of your account statement at any time.

homeloans.com.au Pty Ltd may charge a fee for responding to any request by you to provide more frequent account statements or copies of your account statements.

11. Transaction slips and receipts

It is recommended that you check and retain all transaction slips, receipts and payment or transfer reference numbers issued to you after conducting an EFT Transaction, as well as copies of all sales and cash advance vouchers, to assist in checking EFT Transactions against your statements.

12. Additional cards

You may authorise homeloans.com.au Pty Ltd, if it agrees, to issue an additional VISA® card to your Nominee provided this person is over the age of 18 (unless homeloans.com.au Pty Ltd agrees to a younger age).

You acknowledge that where you have more than one Linked Account, your Nominee will have access to all those Linked Account.

You will be liable for all transactions carried out by your Nominee on the VISA® card.

homeloans.com.au Pty Ltd will give each Nominee a PIN.

Your Nominee’s use of the VISA® card and PIN is governed by the Conditions of Use.

You must ensure that each Nominee protects their VISA® card and PIN in the same way as these Conditions of Use require you to protect your VISA® card and PIN.

13. Renewal of the VISA® card

Unless you are in breach of these Conditions of Use or homeloans.com.au Pty Ltd deems otherwise for the security of the EFT System or individual accounts, homeloans.com.au Pty Ltd will automatically provide you and your Nominee with a replacement VISA® card before the expiry date of the current VISA® card or additional VISA® card.

If you do not wish to receive a replacement VISA® card, either for yourself or for your Nominee, you must notify homeloans.com.au Pty Ltd before the expiration date of the current VISA® card. You must give homeloans.com.au Pty Ltd reasonable time beforehand to arrange cancellation of the issue of a replacement VISA® card.

14. Cancellation and return of the VISA® card

The VISA® card always remains the property of homeloans.com.au Pty Ltd.

homeloans.com.au Pty Ltd can immediately cancel the VISA® card and demand its return at any time for security reasons.

homeloans.com.au Pty Ltd may, at any time, cancel the VISA® card for any reason by giving you 30 Days written notice. The notice does not have to specify the reasons for the cancellation.

You may cancel your VISA® card or any VISA® card issued to your Nominee at any time by giving homeloans.com.au Pty Ltd written notice.

If you or homeloans.com.au Pty Ltd cancel the VISA® card issued to you, any VISA® card issued to your Nominee(s) will also be cancelled.

You will be liable for any transactions you or your Nominee make using the VISA® card before the VISA® card is cancelled but which are not posted to your Linked Account until after cancellation of the VISA® card.

You must return your VISA® card and any VISA® card issued to your Nominee to homeloans.com.au Pty Ltd when:

• (1) homeloans.com.au Pty Ltd notifies you that it has cancelled the VISA® card;

• (2) you close your Linked Account(s);
• (3) you cease to be a member of homeloans.com.au Pty Ltd;
• (4) you cancel your VISA® card, any VISA® card issued to your Nominee, or both; or
• (5) you alter the authorities governing the use of your Linked Account(s) unless homeloans.com.au Pty Ltd agrees otherwise.

15. Use after cancellation or Expiry of the VISA® card

You must not use the VISA® card or allow your Nominee to use the VISA® card:

• (1) before the valid date or after the expiration date shown on the face of the VISA® card; or
• (2) after the VISA® card has been cancelled.

You will continue to be liable to reimburse homeloans.com.au Pty Ltd for any indebtedness incurred through such use whether or not you have closed your Linked Account(s) at homeloans.com.au Pty Ltd.

16. Your liability in case the VISA® card is lost or stolen or in case of unauthorised use

You are liable for all losses caused by unauthorised EFT Transactions unless any of the circumstances specified in paragraph b below apply.

You are not liable for losses:

• (1) where it is clear that you and your Nominee have not contributed to the loss;
• (2) that are caused by the fraudulent or negligent conduct of employees or agents of:
  • · homeloans.com.au Pty Ltd;
  • · any organisation involved in the provision of the EFT System; or
  • · any Merchant;
  • relating to a forged, faulty, expired or cancelled VISA® card or PIN;
• (3) that are caused by the same transaction being incorrectly debited more than once to the same account;
• (4) that would exceed the amount of your liability to homeloans.com.au Pty Ltd had homeloans.com.au Pty Ltd exercised its rights (if any) under the VISA® Worldwide operating rules and regulations against other parties to those rules and regulations; or
• (5) resulting from unauthorised use of the VISA® card or PIN:
  • A) in relation to an EFT Transaction which does not require a PIN authorisation, before receipt of the VISA® card;
  • B) in relation to an EFT Transaction which requires PIN authorisation, before receipt of the PIN; or
  • C) in either case, after notification to homeloans.com.au Pty Ltd in accordance with clause 17 that the VISA® card is being used without authority, that it has been lost or stolen, or that PIN security has been breached.

You will be liable for any loss of funds arising from any unauthorised EFT Transaction using the VISA® card or PIN if the loss occurs before notification to homeloans.com.au Pty Ltd or the VISA® Card Hotline that the VISA® card has been misused, lost or stolen or the PIN has become known to someone else and if homeloans.com.au Pty Ltd proves, on the balance of probabilities, that you or your Nominee contributed to the loss through:

• (1) fraud, failure to look after and keep the PIN secure in accordance with clauses 4(b), (c) and (d), or extreme carelessness in failing to protect the security of the PIN; or
• (2) unreasonably delaying in notifying homeloans.com.au Pty Ltd or the VISA® Card Hotline of the misuse, loss or theft of the VISA® card or of the PIN becoming known to someone else and the loss occurs between the time you or your Nominee did, or reasonably should have, become aware of these matters and the time of notification to homeloans.com.au Pty Ltd or the VISA® Card Hotline.

However, you will not be liable for:

• (A) the portion of the loss that exceeds any applicable daily or periodic transaction limits on your Linked Account(s);
• (B) the portion of the loss on any Linked Account which exceeds the balance of that Linked Account (including any prearranged credit); or
• (C) all losses incurred on any account which you had not agreed with homeloans.com.au Pty Ltd could be accessed using the VISA® card and PIN.

Where a PIN was required to perform the unauthorised transaction and clause 16(c) does not apply, your liability for any loss of funds arising from an unauthorised transaction using the VISA® card, if the loss occurs before notification to homeloans.com.au Pty Ltd or the VISA® Card Hotline that the VISA® card has been misused, lost or stolen or the PIN has become known to someone else, is the lesser of:

• (i) $150;
• (ii) the actual loss at the time of notification to homeloans.com.au Pty Ltd or the VISA® Card Hotline of the misuse, loss or theft of the VISA® card, or of the PIN becoming known to someone else (except that portion of the loss that exceeds any daily or periodic transaction limits applicable to the use of your VISA® card or your Linked Account); or
• (iii) the balance of your Linked Account, including any prearranged credit.

If, in cases not involving EFT Transactions, the VISA® card or PIN are used without authority, you are liable for that use before notification to homeloans.com.au Pty Ltd or the VISA® Card Hotline of the unauthorised use, up to your current daily withdrawal limit.

Notwithstanding any of the above provisions, your liability will not exceed your liability under the provisions of the Electronic Funds Transfer Code of Conduct, where that code applies.

17. How to report Loss, theft or unauthorised use of the VISA® card or PIN

If you or your Nominee believe the VISA® card has been misused, lost or stolen or the PIN has become known to someone else, you or your Nominee must immediately contact homeloans.com.au Pty Ltd (if during business hours) or the VISA® Card Hotline at any time on its emergency number detailed in the box below.

The VISA® Card Hotline or homeloans.com.au Pty Ltd will acknowledge the notification by giving a reference number. Please retain this number as evidence of the date and time of contacting homeloans.com.au Pty Ltd or the VISA® Card Hotline.

When contacting the VISA® Card Hotline, you or your Nominee should confirm the loss or theft as soon as possible at homeloans.com.au Pty Ltd’s office.

The VISA® Card Hotline is available 24 hours a day, 7 days a week.

If the VISA® Card Hotline is not operating at the time notification is attempted, the loss, theft or unauthorised use must be reported to homeloans.com.au Pty Ltd as soon as possible during business hours. homeloans.com.au Pty Ltd will be liable for any losses arising because the VISA® Card Hotline is not operating at the time of attempted notification, provided that the loss, theft or unauthorised use is reported to homeloans.com.au Pty Ltd as soon as possible during business hours.

If the loss, theft or misuse, occurs OUTSIDE AUSTRALIA you or your Nominee must notify an organisation displaying the VISA® sign and also then confirm the loss, theft or misuse of the card:

• (1) with homeloans.com.au Pty Ltd by telephone or priority paid mail as soon as possible; or
• (2) by telephoning the VISA® Card Hotline number for the country you are in, which you must obtain from homeloans.com.au Pty Ltd prior to your departure in accordance with clause 6(f) of these Conditions of Use.

 

18. Steps You must take to resolve errors or disputed EFT transactions

If you believe an EFT Transaction is wrong or unauthorised or your periodical statement contains any instances of unauthorised use or errors, immediately notify homeloans.com.au Pty Ltd. Later, but as soon as you can, you must give homeloans.com.au Pty Ltd the following information:

• (1) your name, account number and VISA® card number;
• (2) the error or the transaction you are unsure about;
• (3) a copy of the periodical statement in which the unauthorised transaction or error first appeared;
• (4) an explanation, as clearly as you can, as to why you believe it is an unauthorised transaction or error, and
• (5) the dollar amount of the suspected error.

If your complaint concerns the authorisation of a transaction, homeloans.com.au Pty Ltd may ask you or your Nominee to provide further information.

homeloans.com.au Pty Ltd will investigate your complaint, and if it is unable to settle your complaint immediately to your and its satisfaction, it will advise you in writing of the procedures for further investigation and resolution and may request further relevant details from you.

Within 21 Days of receipt from you of the details of your complaint homeloans.com.au Pty Ltd will:

• (1) complete its investigation and advise you in writing of the results of its investigation; or
• (2) advise you in writing that it requires further time to complete its investigation.

homeloans.com.au Pty Ltd will complete its investigation within 45 Days of receiving your complaint, unless there are exceptional circumstances.

If homeloans.com.au Pty Ltd is unable to resolve your complaint within 45 Days, it will let you know the reasons for the delay and provide you with monthly updates on the progress of the investigation and its likely resolution date, except where homeloans.com.au Pty Ltd is waiting for a response from you and you have been advised that homeloans.com.au Pty Ltd requires such a response.

If your complaint has not been resolved within 120 Days of receipt of the details of your complaint, homeloans.com.au Pty Ltd will resolve the complaint in your favour.

If homeloans.com.au Pty Ltd finds that an error was made, it will make the appropriate adjustments to your Linked Account including interest and charges (if any) and will advise you in writing of the amount of the adjustment.

When homeloans.com.au Pty Ltd advises you of the outcome of its investigations, it will notify you in writing of the reasons for its decision by reference to these Terms and Conditions and the Electronic Funds Transfer Code of Conduct and advise you of any adjustments it has made to your Linked Account. If you are not satisfied with the decision, you may wish to take the matter further. You may, for instance, contact our appointed dispute resolution centre, which is the Australian Financial Complaints Authority Limited (AFCA).

The AFCA contact details are:

GPO Box 3
Melbourne, VIC 3001
Toll Free Call: 1800 931 678
Website: info@afca.org.au

If homeloans.com.au Pty Ltd decides that you are liable for all or any part of a loss arising out of unauthorised use of the VISA® card or PIN, it will:

• (1) give you copies of any documents or other evidence it relied upon; and
• (2) advise you in writing whether or not there was any system or equipment malfunction at the time of the relevant transaction.

If homeloans.com.au Pty Ltd fails to carry out these procedures or causes unreasonable delay in resolving your complaint, homeloans.com.au Pty Ltd may be liable for part or all of the amount of the disputed transaction where that failure or delay has prejudiced the outcome of the investigation.

19. Transaction and other fees

homeloans.com.au Pty Ltd will advise you whether it charges a fee, and the amount of such fee, for:

• · any transactions;
• · issuing the VISA® card or any additional or replacement VISA® cards;
• · using the VISA® card;
• · receiving funds via the VISA® Direct service;
• · issuing the PIN or any additional or replacement PIN;
• · using the PIN;
• · issuing account statements; or

Any other service provided in relation to the VISA® card. homeloans.com.au Pty Ltd will also advise you whether it will debit any of your Linked Accounts with Government charges, duties or taxes arising out of any transaction.

The fees and charges payable in respect of the VISA® card are set out in the Product Schedule which forms a part of the PDS for the VISA® card.

You may be charged an ATM withdrawal fee that is directly charged by the ATM operator and debited directly from your account. You should carefully read notices displayed at ATMs as they may contain information about the possible imposition of fees by ATM operators.

20. Exclusions of warranties and representations

homeloans.com.au Pty Ltd does not warrant that Merchants displaying VISA® signs or promotional material will accept the VISA® card in payment for goods and services. You should always enquire beforehand before selecting goods or services.

homeloans.com.au Pty Ltd does not accept any responsibility should a Merchant, bank or other institution displaying VISA® signs or promotional material, refuse to accept or honour the VISA® card. homeloans.com.au Pty Ltd does not warrant that EFT Terminals displaying VISA® signs or promotional material will accept the VISA® card.

homeloans.com.au Pty Ltd is not responsible for any defects in the goods and services acquired by you through the use of the VISA® card. You acknowledge and accept that all complaints about these goods and services must be addressed to the supplier or Merchant of those goods and services.

Where you have authorised a Merchant to transact on the account by providing your VISA® card number or used your card to make a purchase you may be entitled to reverse (chargeback) the transaction where you have a dispute with the Merchant. For example you may be entitled to reverse a transaction where the Merchant has not provided you with the goods or services you paid for and you have tried to get a refund from the merchant and were unsuccessful.

Please note homeloans.com.au Pty Ltd is not able to reverse (chargeback) direct debit transactions set up using your default deposit account number and branch number (BSB).

To avoid losing any rights you may have for transactions other than unauthorised EFT Transactions you should:

• · tell us within 30 days after the date of the statement which shows the transaction; and
• · provide us with any information we ask for to support your request.

Please contact your homeloans.com.au Pty Ltd for more information about your chargeback rights.

21. Malfunction

You will not be responsible for any loss you suffer because an EFT Terminal accepted an instruction but failed to complete the transaction.

If an EFT Terminal malfunctions and you or your Nominee should have been aware that the EFT Terminal was unavailable for use or malfunctioning, homeloans.com.au Pty Ltd will only be responsible for correcting errors in your Linked Account and refunding to you any charges or fees imposed on you as a result.

22. Regular payment arrangements

You should maintain a record of any Regular Payment Arrangement that you have entered into with a Merchant.

To change or cancel any Regular Payment Arrangement you should contact the Merchant or homeloans.com.au Pty Ltd at least 15 days prior to the next scheduled payment. If possible you should retain a copy of this change/cancellation request.

Should your Card Details be changed (for example if your VISA® Card was lost, stolen or expired and has been replaced) then you must request the Merchant to change the details of your existing Regular Payment Arrangement to ensure payments under that arrangement continue. If you fail to do so your Regular Payment Arrangement may not be honoured, or the Merchant may stop providing the goods and/or services.

Should your VISA® Card or Linked Account be closed for any reason, you should immediately contact the Merchant to change or cancel your Regular Payment Arrangement, as the Merchant may stop providing the goods and/or services.

23. Changes to conditions of use

homeloans.com.au Pty Ltd reserves the right to change these Conditions of Use from time to time, for one or more of the following reasons:

• i. to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
• ii. to reflect any decision of a court, ombudsman or regulator;
• iii. to reflect a change in its systems or procedures, including for security reasons;
• iv. as a result of changed circumstances (including by adding benefits or new features);
• v. to respond proportionately to changes in the cost of providing the VISA® card; or
• vi. to make them clearer.

homeloans.com.au Pty Ltd will notify you in writing at least 30 Days before the effective date of change if it will:

• (1) impose or increase any fees or charges for the VISA® card ;
• (2) increase your liability for losses; or
• (3) impose, remove or adjust daily or other periodic transaction limits applying to the use of the VISA® card, PIN, your Linked Account(s) or Electronic Equipment.

homeloans.com.au Pty Ltd will notify you of other changes no later than the day the change takes effect by advertisement in the national or local media, notice in a newsletter or statement of account, or individual notice sent to you.

homeloans.com.au Pty Ltd is not obliged to give you advance notice if an immediate change to the Conditions of Use is deemed necessary for the security of the EFT System or individual accounts.

When the VISA® card is used after notification of any such changes, you accept those changes and use of the VISA® card shall be subject to those changes.

24. Privacy and confidentiality

homeloans.com.au Pty Ltd collects personal information about you or your Nominee for the purposes of providing its products and services to you. homeloans.com.au Pty Ltd may disclose that personal information to others in order to execute any instructions, where it reasonably considers it necessary for the provision of the VISA® card or the administration of your Linked Account(s), or if it is required by law.

You represent that, in supplying homeloans.com.au Pty Ltd with personal information about your Nominee, you have authority to do so and will inform them of the contents of this clause.

You and your Nominee may have access to the personal information homeloans.com.au Pty Ltd holds about each of you at any time by asking homeloans.com.au Pty Ltd.

For more details of how homeloans.com.au Pty Ltd handles personal information, refer to homeloans.com.au Pty Ltd’s Privacy Policy.

25. Miscellaneous

You agree that you will promptly notify homeloans.com.au Pty Ltd of any change of address for the mailing of any notifications which homeloans.com.au Pty Ltd is required to send to you.

homeloans.com.au Pty Ltd may post all statements and notices to you at your registered address as provided for in homeloans.com.au Pty Ltd’s records.

If the VISA® card is issued on a joint account, each party to that account is jointly and severally liable for all transactions on the VISA® card.