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Fine print - Security token and SMS security

There are some important things we need to tell you before you order a security token or utilise SMS security.

1. Your security token is personal to you and can only be used with your internet banking access code. It provides an additional level of security for your internet banking session and cannot be shared with anyone else. You can cancel your security token or SMS security at
any time by calling us on 13 12 21 subject to clause 3.

2. The types of accounts you can access will not change when you activate your security token or SMS security, however once activated you will need to use one of these security options each time you log in to internet banking. You will need to enter the code displayed on the security token or mobile phone during the login process.

3. Where your daily limit is $5,000 or more on electronic funds transfers to other Australian financial institutions (including BPAY payments), you must use either a security token or SMS security, unless we agree otherwise.

4. Where your daily limit on electronic funds transfers to other Australian financial institutions (including BPAY payments), is less than $5,000 you can choose to have a security token issued to you and/or register for SMS security. You can also choose to cancel either at any time by contacting us where your daily limit remains less than $5,000.

5. If you have a security token you must keep it safe and secure and advise us immediately on 13 12 21 if it is lost, stolen or misused. Your security token will be deactivated and you will be required to order a replacement token online. A security token replacement fee will apply. Refer to our Fees and charges brochure for details on fees and charge.

6. If you lose your mobile phone and its number has been recorded with us for the SMS security service, you must advise us immediately on 13 12 21.

7. If you have a complaint that you would like us to investigate please contact us on 13 12 21. If we cannot resolve your complaint within 24 hours we will acknowledge your complaint within 3 days and endeavour to resolve it within 21 days.

8. If after reading this document and the Fees and charges brochure, you have any questions about the security token, or SMS security please call us on 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday.

Security token end user agreement

Teachers Credit Union security tokens are enabled by VeriSign Identity Protection – a leading brand in online security. To order your VeriSign Identity Protection device (your security token), you must first read and agree to these terms and conditions. You must read this VeriSign dentity protection device end user agreement (this “agreement”) carefully before using the VIP device that is being issued to you in connection with this agreement. By acknowledging these terms and conditions, you are consenting to be bound by the terms of this agreement.

1. Definitions. Unless otherwise specified, capitalised terms in this Agreement will have the meanings attributed to them in this Section 1. “Relying Party” means any entity that accepts any VIP Credential for second factor authentication at its Web site; “VeriSign” means VeriSign, Inc., a Delaware corporation; “VIP Credential” means a shared secret or shared key; “VIP Device” means the hardware device that has been issued to you in connection with this Agreement, and which protects a VIP Credential, or in which a VIP Credential is embedded; “VIP Network” means the network infrastructure of online service providers and enterprises who promote the use of second factor authentication to increase the security of their applications for the benefit of their consumers and protect their consumers from identity theft. Such VIP Network shall be operated by VeriSign, as the network operator and governed by the VIP Policy; and “VIP Policy” means the VeriSign Identity Protection Authentication Network Policy document.

2. Scope of Use. The VIP Device may only be used in the VIP Network. In particular, your use of the VIP Device shall be limited as follows:
(i) You will use the VIP Device only at the Web sites of Relying Parties and in compliance with applicable law;
(ii) You will always provide us and any Relying Party with accurate information as requested in order to allow us and/or such Relying Party to associate your VIP Device with your identity for use on the VIP Network; and
(iii) You will maintain proper possession of the VIP Device and in the event that your VIP Device is lost or stolen, you will promptly notify us of such event. You are expressly prohibited from sublicencing, selling, renting, leasing or otherwise distributing the VIP Device. We and VeriSign, as the operator of the VIP Network, shall have the right to temporarily or permanently suspend your use of the VIP Device, and we shall have the right to automatically terminate this Agreement, if, in our or VeriSign’s sole discretion, you fail to use the VIP Device in accordance with
the terms of this Agreement or use the VIP Device in a manner that compromises the security or integrity of the VIP Network.

3. Intellectual Property Protection. The intellectual property related to the VIP Device, including its operation, code, architecture and implementation, as well as the look and feel of the VIP Device, is the valuable intellectual property of us, and our licensors. The VIP Device is protected by United States patent and copyright laws and international treaty provisions. This Agreement does not give you any intellectual property rights in the VIP Device. Except as permitted by law, you agree not to modify, translate, disassemble, decompile, reverse engineer, create derivative works of, or make any other attempt by any means to discover or obtain any source code embedded in the VIP Device.

4. Disclaimer of Warranty. To the maximum extent permitted by applicable law, you agree that your use of the VIP device is solely at your own risk. You agree that the VIP device is provided on an “as is” and “as available” basis, except as otherwise noted in this agreement or any other agreement between you and us. We expressly disclaim all representations, warranties, guarantees, terms and conditions of any kind, whether express, implied or statutory, including without limitation, any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third-party rights, except any implied condition or warranty the exclusion of which would contravene any statute (including the trade practices act 1974 (cth)) or cause any part of this clause to be void (non-excludable condition).

Liability for breach of any non-excludable condition (other than implied warranty of title) is limited, at our option, to refunding the price of the goods or services in respect of which the breach occurred or to providing, replacing or repairing those goods or providing those services again. No dealer, agent or employee of ours is authorised to make any modifications, extensions, or additions to this warranty.

5. Limitation of liability. To the maximum extent permitted by applicable law, except as may be provided in this agreement, under no circumstances and under no legal theory, tort, contract, or otherwise, shall we or our suppliers or resellers be liable to you or any other person for any indirect, special, incidental, exemplary or consequential damages of any character including, without limitation, damages for loss of business profits, business interruption, loss of business information, computer failure or malfunction, or any and all other commercial damages or losses even if we have been informed of the possibility of such damages, and we shall be held harmless for any losses, real or perceived, that occur relating to the use of the VIP device. Some states do not allow the exclusion or limitation of incidental or consequential damages, so this limitation and exclusion may not apply to you.

6. General Provisions. This Agreement will be governed by the laws of Victoria, Australia, without reference to the conflict of law principles. If any part of this Agreement is found to be void, unenforceable or invalid, it shall not affect the other provisions of this Agreement. This Agreement can only be modified by a writing signed by both parties. Failure by either party to enforce any provision of this Agreement will not be deemed a waiver of future enforcement of that or any other provision.