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Internet Banking Terms and Conditions

These terms and conditions govern the use of the Internet Banking and Telebanking services (the “Service”) offered by Nationwide International Limited, and form part of, and are to be read together with, the specific terms and conditions which apply to your Account.

1.	General conditions of use The Service and these terms and conditions are governed by Isle of Man law and any dispute or legal action shall be dealt with by the Isle of Man courts. The Service is only for authorised users which excludes users who are prohibited under the applicable laws of their citizenship, domicile or residence from receiving such information or receiving such information in the format presented on this Website in connection with the Service. Please note that the information available on this Website in connection with the Service may change from time to time. We shall have no liability if you are unable to use the Service because of the failure of any machine, data processing system or transmission link or anything else beyond our, or our agents’ reasonable control. We have taken reasonable steps to ensure that electronic mail and other transmissions passing over the Internet are not interfered with by third parties. However, we cannot guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with. The content of these pages are the copyright of Nationwide International Limited. The copying or incorporation into any other work of part or all of this material available on the Website in any form is prohibited except for printing or downloading extracts of the material available on this Website in connection with the Service for your personal use.
2.	Meaning of words and expressions In these conditions the following words and expressions have the following meanings: “Account” means any account with us which is either in your own name or held jointly with somebody else; “Internet Banking” means using the Internet and this Website to access information in respect of your Account and to carry out certain transactions on your Account; “Website” means our Website at www.nationwideinternational.com; “Customer Number” means the 10 digit number we will give you which lets you access and use the Service; “Memorable Data” means your memorable personal data which you have disclosed to us for the purpose of checking your identity when you use or access the Service; "Passnumber" means the 6 digit number we will give you to help us authenticate your identity before letting you access and use the Service; “Secure Mail” means an exchange of information between you and us utilising the messaging service within our Service; “Registration Letter” means the letter we shall send to you once we have received, processed and accepted your application to use the Service; “Telebanking” means the telephone / facsimile banking service provided by Nationwide International Limited which when set up allows you to request the transfer of funds to a pre-designated account / payee; “Telebanking Password” means the password you give to us when completing a Telebanking authorisation form to set up Telebanking on your Account; "you/your" means a person or persons registered for the Service.
3.	The Service
3.1	You may access the Service provided that the equipment you use meets our minimum compatibility requirements (in accordance with the criteria as set out in our Security & Access centre which can be found on our Website). You must ensure that your equipment continues to meet these requirements, that it remains fully operational and that you take all reasonable measures to keep it virus free.
3.2	You may use the Service 24 hours a day. If a request communicated to us via the Service is received after the following UK times (or on a day we are not usually open) the relevant transaction will not go ahead until the next working day (that is Monday to Friday, excluding Isle of Man public holidays). In respect of a transaction from a Sterling Account: Electronic Transfers 10:30 a.m. BACS Transfers 3:00 p.m. Sterling Cheque 3:00 p.m. US Dollar Cheque 3:00 p.m. Euro Cheque 3:00 p.m. In respect of a transaction from a US Dollar Account: Electronic Transfers 12:00 noon Sterling Cheque 3:00 p.m. US Dollar Cheque 3:00 p.m. Euro Cheque 3:00 p.m. In respect of a transaction from a Euro Account: Electronic Transfers 10:00 a.m. Sterling Cheque 3:00 p.m. US Dollar Cheque 3:00 p.m. Euro Cheque 3:00 p.m.
3.3	You may tell us at any time that you no longer want to use the Service by Secure Mail or in writing. If you tell us by telephone we may ask you to confirm this in writing or by Secure Mail. We will continue to carry out any transactions you have already authorised unless you also ask us not to do so and provided that it is not too late to amend or cancel those transactions.
4.	Security Data
4.1	Once we have received, processed and accepted your application to use the Service, we will send you a Customer Number and a Passnumber for Internet Banking. You must memorise your Passnumber immediately and destroy the notification promptly on receipt. For Telebanking your Password will be the one you give to us when completing a Telebanking authorisation form to set up Telebanking on your Account.
4.2	Each time you use Internet Banking we will ask you to give us your Customer Number, three requested digits from your Passnumber and your Memorable Data so that you can prove, and we can authenticate, your identity. When Telebanking has been set up in respect of your Account and you request a transfer of funds, we will ask you to authorise that request by quoting three digits from your Telebanking Password.
4.3	Once registered for the Service you agree always to keep your Memorable Data, Passnumber and Telebanking Password secret, and not to disclose them to any third party. If you write down your Memorable Data, Passnumber and Telebanking Password, you agree to make a sufficient attempt to disguise them.
4.4	You agree to inform us as soon as you can if you know or suspect that somebody else knows your Memorable Data, Passnumber or Telebanking Password. You must do this by sending us a Secure Mail or by telephoning +44 (0)1624 696000. We may ask you to confirm this notification in writing within 7 days.
4.5	As soon as you inform us that you know, or suspect, that somebody else knows your Memorable Data, Passnumber or Telebanking Password we will prevent transactions being carried out on your Account using the Service.
4.6	You will not be liable for a transaction carried out via the Service on any of your Accounts which was not carried out by you, or for the access to, or use of, your accounts via the Service by a third party except in the following cases: You have authorised the carrying out of the transaction in question or the access to or use of the Account by a third party; or You have acted with gross negligence, which shall be deemed to include failing to follow the safeguards set out in Condition 4.1 and 4.3 above and/or failing to comply with Condition 4.4 above; or You have acted fraudulently. If you dispute that you have carried out any transaction via the Service we will expect you to co-operate with us and the police in any related investigations. You hereby agree that we may disclose to the police any information we consider relevant, to enable them to carry out such investigations.
5.	Acting On Your Instructions
5.1	We will carry out transactions on your Account in accordance with and following instructions given to us by you, or which reasonably appear to us in good faith to have been given by you through the Service. We shall be entitled to assume that instructions have been given by you if the correct Memorable Data, the correct Customer Number, the Correct Passnumber and correct Telebanking Password (as appropriate) are quoted to us in accordance with the procedures set out in these terms and conditions.
5.2	We reserve the right to decline and not to act on any instructions which are not in accordance with these terms and conditions or the specific terms and conditions applying to your Account.
5.3	If we decide not to carry out a transaction in accordance with Condition 5.2, we will not be responsible for any loss or damage you may suffer because of that decision. We will normally attempt to communicate to you the reasons why we are not prepared to carry out any particular transaction through the Service.
5.4	If, due to circumstances beyond our reasonable control, or the reasonable control of those acting on our behalf, we are unable to carry out a transaction using the Service, we will not be responsible for any loss or damage which you may suffer as a result. In particular, we will not be responsible for any loss or damage which you may suffer as a result of a PC, browser or other equipment necessary for use of the Service being faulty or out of order.
6.	Joint Accounts
6.1	If you have a joint Account, then any one of you may use the Service, but you must use your own individual Customer Number, Passnumber and/or Memorable Data (as appropriate). However, the Telebanking Password is applied to your Account(s) and is therefore shared by all relevant holders of a joint Account. To be able to use Telebanking each account holder in respect of a joint Account must be permitted to authorise transactions on his or her own. Telebanking is not available on any joint Account where two or more holders of that Account are required to authorise transactions jointly.
6.2	As a joint Account holder these terms and conditions apply to you both individually and jointly with the other Account holder(s).
6.3	In respect of any joint Account, as soon as one of you instructs us that another joint Account holder is no longer allowed to authorise transactions, or if we think transactions should be jointly authorised by all of you, we reserve the right to immediately suspend the Service in respect of that Account.
7.	General
7.1	We may vary the terms and conditions applicable to your use of the Service from time to time, and will give you notice of any such changes either in writing, by advertisement, by Secure Mail or by way of a notice within the Service. We will attempt to give you reasonable notice before any change to such terms and conditions takes effect, unless it is not reasonably practical or possible to do so, in which case we will give you notice of any such changes soon as is possible after they take effect.
7.2	We reserve the right to introduce a charge for using the Service, but will give you reasonable notice should we decide to do so.
7.3	We have taken reasonable steps to ensure that e-mail and other transmissions passing over the Internet remain confidential and are not interfered with. However, we cannot completely guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with. You accept the security implications of disclosing your information online over the Internet and will not hold us responsible for any breach of security, and by using Internet Banking you agree to give us instructions on this basis.
7.4	We may record or monitor telephone calls in order to avoid possible misunderstandings and help maintain our standards of customer service.
7.5	These terms and conditions are governed by, and construed in accordance with, Isle of Man law. You agree to submit to the jurisdiction of the Isle of Man High Court.