Acceptance of terms
Online Services Security
As an added security measure, a passcode may be required for certain transactions of functions within Online Services. If your access allows, and you wish to make a payment, then a passcode will be generated and sent to the mobile number you have registered with us. That passcode will then need to be entered before the transaction is processed. The passcode is a unique code which will be texted to your mobile number and is only valid for 5 minutes after it has been sent to you. If you have not registered a mobile number with us then you won’t be able to use certain payment options. Please ensure that we always have your current mobile number (please contact us if you wish to update your mobile number).
You are responsible for taking reasonable and appropriate steps to help maintain the security of your information, and protect your electronic device from corruption or damage, when using Online Services. You will ensure that:
your internet browser and electronic device are capable of supporting the encryption and other technical requirements of the Online Services (as updated by us from time to time);
you establish and maintain (i.e. keep up-to-date) appropriate antivirus and other security software on your electronic device;
you do not open attachments or run software from untrusted or unknown sources;
you take any other reasonable steps necessary to protect your electronic device from being affected by viruses or anything else likely to corrupt or compromise your data;
you keep your User ID, password and pincode (as applicable) for the Online Services secure at all times, and do not share these with any other party;
if you have multiple devices through which you are accessing Online Services you must comply with the requirements in this clause in respect of each device;
you do not leave your electronic device unattended when logged on to the Online Services, and you always log out when you have finished using the Online Services;
you do not use untrusted or shared electronic devices when accessing the Online Services, such as computers at internet cafes;
you do not knowingly use an electronic device that contains software that has the ability to compromise logins, passwords, pincodes and/or data (such as spyware);
you notify us immediately if:
your electronic device you use to access the Online Services and/or have registered with us to receive the passcode is lost or stolen; and
you become aware of any unauthorised use of the Online Services provided to you;
you regularly download updates to your electronic device’s operating system software; and
you provide any relevant information, documents and attachments in the format and to the standards required by us for each transaction.
There will be times when we need to carry out planned maintenance on our Online Services. During these times some or all of the Online Services may be unavailable for a period of time and we will endeavour to give you as much notice as possible of any planned maintenance. In the event of an unplanned outage (for example, due to a technical fault or system error) we may be unable to give you advanced notice of the outage. However, we will make every effort to restore your services as quickly as possible.
There may also be times where you are unable to access our Online Services due to situations outside of our control (for example, internet connectivity issues or technical issues with your devices). We will not be liable for any loss arising from your inability to access the Online Services. If for any reason you are unable to access the Online Services, please contact us at 1300 889 338.
It is your choice to use the Online Services. To the maximum extent permitted by applicable law, we are not liable to you for any loss, harm or damage resulting from:
anything that is caused by a matter outside our reasonable control (including the interception or hacking of data by unauthorised third parties);
any delay or loss of access to, or use of the Online Services at any time;
your failure to notify us of the loss or theft of your electronic device or the actual or suspected disclosure of your login, password or pincode to another person;
any faults, viruses, interruptions, machine failure, problems with a system or delays affecting the Online Services; or
any unauthorised transaction made using the Online Services where you have contributed to the loss, except (in each case) any loss, harm or damage arising as a direct result of our fraud or negligence.
You may cancel the Online Services at any time by contacting us at 1300 889 338. If you no longer wish to use the Mobile App then you should delete the Mobile App from your device. We may also cancel Online Services at any time acting reasonably having regard to our legitimate business interests including if we reasonably consider that there is a risk to your or us in continuing to make the Online Services available to you.
Other things you should know
The use of the Online Services may incur fees. Any applicable fee is set out in the terms and conditions and/or the relevant Fee Schedule or Product Guide, which is available on our website. You may also be charged by your mobile service operator for downloading, updating and/or using a Mobile App in Australia and overseas. We do not take any responsibility for any fees your mobile service provider charges you and if you have concerns about a fee you have been charged by your mobile service provider please contact them directly.
we can also change the user requirements, application and operating system specifications, format or content of the Online Services at any time without prior notice to you; and
there are risks associated with the use of the Online Services (including, the risk that third parties may get unauthorised access to your personal information).
You can contact us, or provide feedback, a compliment, or a complaint here. If you are not satisfied with the outcome of our assessment of your complaint, you may wish to the Australian Financial Complaints Authority (click here for information).
In these terms
We, us and our means Heartland Australia Group Pty Limited ACN 604 859 752, ASF Custodians Pty Ltd ACN 106 822 780 and Australian Seniors Finance Pty Ltd ACN 108 875 636 and related bodies corporate (as that term is defined in the Corporations Act 2001 (Cth)), successors, assigns, agents and associates, and anyone who legally takes over any such company’s responsibilities or rights (or both).
Mobile App means a software application and/or web application that has been created to allow access to transaction information and related accounts and credit management services and which suits portable electronic devices, including but not limited to, mobile phones.
Online Services means, as the context requires, Internet Services and Mobile Apps.