Terms and conditions

Terms and Conditions of Use
Electronic Credit Union Statements

This is a legal agreement between you, the end user (hereinafter 'the Member'), and Macquarie Credit Union Limited (ACN 85 087 650 253) of 23 Hawthorn Street DUBBO NSW 2830 (hereinafter 'the Credit Union').

1. General terms and conditions
1.1 The www.macquariecu.com.au Web site ("this Web site") is owned by the Credit Union. It is operated by the Credit Union and other companies, contracted to the Credit Union, who supply specific functionality to the site. Delivery of statements via the Internet and associated functions are provided by such a contracted company, a specialist electronic Billing Service Provider (hereinafter"the BSP").
1.2 Your access to this Web site and services provided through this Web site is subject to these terms and conditions, the Credit Union Privacy Statement, notices, disclaimers any other terms and conditions or other statements contained on this Web site, and, if you use any of the services identified on this Web site for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as "Terms and Conditions of Use"). By accessing, viewing or otherwise using this Web site, you agree to be subject to these Terms of and Conditions of Use.
1.3 Credit Union may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of the Web site will constitute an acceptance of those modifications.
1.4 You agree that where the Credit Union is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this Web site. Documents so provided are in a format suitable for local printing or filing. We suggest that you print a copy of each such document, or file it electronically, for future reference.
1.6 Products and services referred to on this Web site are only available in Australia.

2. Disclaimers

2.1 All information contained on this Web site is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and neither the Credit Union nor the BSP have verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
2.2 The Credit Union warrants that normal, professional information technology security standards have been implemented and are used in the operation of this Web site. In general, these standards comply with ISO 17799, an internationally recognised, generic information security standard. However, neither the Credit Union nor any of its directors, employees and associates guarantees the security of this Web site, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this Web site and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the Web site or being unable to access this Web site. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Trade Practices Act.

3. Copyright

3.1 Copyright in the information contained on this Web site is owned by the Credit Union You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. With the exception of documents delivered to you via hyperlinks on the Web site, the information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.
3.2 Documents delivered to you via hyperlinks on the Web site may be printed, copied, transmitted to other persons, filed or otherwise used by you without limitation.

4. Your responsibilities

4.1 We rely on you to provide information, such as your email address,  to enable us to deliver documents to you electronically. You agree to provide such information accurately and to keep this information up to date.
4.2 You agree that you will keep confidential any and all IDs and passwords issued to you and/or selected by you in relation to the use of the Web site.
4.3 You agree you will report any apparent problems or malfunctions with the Web site to us promptly. Reports should be made by telephone on 1300 885 480 or email to info@macquariecu.com.au

5. Delivery

5.1 A document will be deemed to be delivered to you electronically when either
  1. It is sent by email to the email address last advised by you to the Credit Union, and no transmission error message is received by the dispatching mail server within 12 hours of dispatch of the email message; or
  2. An email message informing you that a document is available for viewing through the Web site is sent by email to the email address last advised by you to the Credit Union, and no transmission error message is received by the dispatching mail server within 12 hours of dispatch of the email message.
5.2 In the event of 5.1(b), you agree that failure by you to access the Web site and view the document within 30 days of dispatch of the informatory email message does not constitute non-delivery on our part.

6. Alternative means of delivery

6.1 If the Credit Union or BSP is unable to deliver any document or documents to you electronically, using the information you have supplied, then we reserve the right to print any such documents and send them to you via the postal service. Wherever possible, we will include with any printed documents information about the cause(s) of each failure of electronic delivery, and recommend actions you might take to correct such cause(s).
6.2 You agree that, in the event of any failure of the electronic statement delivery service, you will take promptly any and all actions recommended under 5.1.
6.3 If the Credit Union, at its sole discretion, determines that a cause of failure of an electronic delivery is the fault of the Member, then the Credit Union reserves the right to charge the Member a fee for provision of printed documents in lieu of electronic documents; as per the Fees and Charges and Transaction limits brochure.