Visa Debit Card Conditions of Use

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 RHG Mortgage Corporation Limited 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). RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited.

Enquiries

If you would like any further information about the VISA card, please contact the RHG Mortgage Corporation Limited.

RHG Mortgage Corporation Limited

ABN 48 065 912 932
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.

Guidelines for ensuring the security of the Visa card and PIN

  1. Sign the VISA card as soon as you receive it;

  2. Keep the VISA card in a safe place;

  3. If you change the PIN, you must not select a PIN which represents your birth date or a recognisable part of your name;

  4. Never write the PIN on the VISA card;

  5. Never write the PIN on anything which is kept with or near the VISA card;

  6. Never lend the VISA card to anybody;

  7. Never tell or show the PIN to another person;

  8. Use care to prevent anyone seeing the VISA card number and PIN being entered at Electronic Equipment;

  9. Immediately report the loss, theft or unauthorised use of the VISA card to RHG Mortgage Corporation Limited or to the VISA Card Hotline;

  10. Keep a record of the VISA card number and the VISA Card Hotline telephone number for your area with your usual list of emergency telephone numbers;

  11. Examine your periodical statement immediately upon receiving it to identify and report, as soon as possible, any instances where the VISA card has been used without your authority; and Immediately notify RHG Mortgage Corporation Limited of any change of address.

1. Introduction

  1. These Conditions of Use govern use of the VISA card to access to your Linked Account(s) at RHG Mortgage Corporation Limited. 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.

  2. Definitions

  3. 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited.

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

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

2. Codes of conduct

  1. RHG Mortgage Corporation Limited 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

  1. RHG Mortgage Corporation Limited 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.

  2. 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.

  3. 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 RHG Mortgage Corporation Limited that the PIN has been misused or has become known to someone else.

  4. 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

  1. 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.

  2. 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 RHG Mortgage Corporation Limited 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.

  3. The VISA card may only be used to perform transactions on your Linked Account(s). RHG Mortgage Corporation Limited will advise you of the accounts, including any credit facility, which you may link to the VISA card.

  4. RHG Mortgage Corporation Limited 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.

  5. 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.

  6. RHG Mortgage Corporation Limited 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.

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

6. Using the Visa card outside Australia

  1. 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).

  2. 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 RHG Mortgage Corporation Limited. The amount of this currency conversion fee is subject to change from time to time and RHG Mortgage Corporation Limited will advise you in advance of any such change.

  3. 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.

  4. 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.

  5. Before travelling overseas, you or your Nominee should consult RHG Mortgage Corporation Limited 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.

  6. 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

  1. 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.

  2. If clause 7(a) is breached, RHG Mortgage Corporation Limited may:

    (1) dishonour any payment instruction given; and

    (2) charge you an administrative fee as advised to you from time to time.

  3. RHG Mortgage Corporation Limited may at any time limit the amount of an EFT Transaction if this is required for security or credit risk purposes. RHG Mortgage Corporation Limited 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.

  4. 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:

  1. RHG Mortgage Corporation Limited has the right to deny authorisation for any EFT Transaction where this is required for security or credit risk purposes; and

  2. RHG Mortgage Corporation Limited 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

  1. Any deposit you make at an EFT Terminal will not be available for you to draw against until your deposit has been accepted by RHG Mortgage Corporation Limited.

  2. Cheques will not be available to draw against until cleared.

  3. Your deposit is accepted once RHG Mortgage Corporation Limited has verified it in the following way:

    (1) your deposit envelope will be opened in the presence of any two persons authorised by RHG Mortgage Corporation Limited;

    (2) should the amount you record differ from the amount counted in the envelope, RHG Mortgage Corporation Limited may correct your record to the amount counted;

    (3) RHG Mortgage Corporation Limited 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

  4. If the amount recorded by the EFT Terminal as having been deposited should differ from the amount counted in the envelope by RHG Mortgage Corporation Limited, RHG Mortgage Corporation Limited 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.

  5. RHG Mortgage Corporation Limited is responsible for the security of your deposit after you have completed the transaction at the EFT Terminal (subject to RHG Mortgage Corporation Limited’s verification of the amount you deposit).

10. Account statements

  1. RHG Mortgage Corporation Limited will send you an account statement for the Linked Account at least every 6 months. You may request more frequent account statements.

  2. In respect of any Linked Accounts which have a pre-arranged credit facility attached such as line of credit or overdraft, RHG Mortgage Corporation Limited will send you an account statement monthly.

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

  4. RHG Mortgage Corporation Limited 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

  1. You may authorise RHG Mortgage Corporation Limited, if it agrees, to issue an additional VISA card to your Nominee provided this person is over the age of 18 (unless RHG Mortgage Corporation Limited agrees to a younger age).

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

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

  4. RHG Mortgage Corporation Limited will give each Nominee a PIN.

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

  6. 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

  1. Unless you are in breach of these Conditions of Use or RHG Mortgage Corporation Limited deems otherwise for the security of the EFT System or individual accounts, RHG Mortgage Corporation Limited 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.

  2. If you do not wish to receive a replacement VISA card, either for yourself or for your Nominee, you must notify RHG Mortgage Corporation Limited before the expiration date of the current VISA card. You must give RHG Mortgage Corporation Limited reasonable time beforehand to arrange cancellation of the issue of a replacement VISA card.

14. Cancellation and return of the Visa card

  1. The VISA card always remains the property of RHG Mortgage Corporation Limited.

  2. RHG Mortgage Corporation Limited can immediately cancel the VISA card and demand its return at any time for security reasons.

  3. RHG Mortgage Corporation Limited 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.

  4. You may cancel your VISA card or any VISA card issued to your Nominee at any time by giving RHG Mortgage Corporation Limited written notice.

  5. If you or RHG Mortgage Corporation Limited cancel the VISA card issued to you, any VISA card issued to your Nominee(s) will also be cancelled.

  6. 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.

  7. You must return your VISA card and any VISA card issued to your Nominee to RHG Mortgage Corporation Limited when:

    (1) RHG Mortgage Corporation Limited notifies you that it has cancelled the VISA card;

    (2) you close your Linked Account(s);

    (3) you cease to be a member of RHG Mortgage Corporation Limited;

    (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 RHG Mortgage Corporation Limited agrees otherwise.

15. Use after cancellation or Expiry of the Visa card

  1. 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.

  2. You will continue to be liable to reimburse RHG Mortgage Corporation Limited for any indebtedness incurred through such use whether or not you have closed your Linked Account(s) at RHG Mortgage Corporation Limited.

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

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

  2. 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:

    · RHG Mortgage Corporation Limited;

    · 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 RHG Mortgage Corporation Limited had RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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.

  3. 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited could be accessed using the VISA card and PIN.

  4. 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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.

  5. 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 RHG Mortgage Corporation Limited or the VISA Card Hotline of the unauthorised use, up to your current daily withdrawal limit.

  6. 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

  1. 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 RHG Mortgage Corporation Limited (if during business hours) or the VISA Card Hotline at any time on its emergency number detailed in the box below.

  2. The VISA Card Hotline or RHG Mortgage Corporation Limited will acknowledge the notification by giving a reference number. Please retain this number as evidence of the date and time of contacting RHG Mortgage Corporation Limited or the VISA Card Hotline.

  3. When contacting the VISA Card Hotline, you or your Nominee should confirm the loss or theft as soon as possible at RHG Mortgage Corporation Limited’s office.

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

  5. If the VISA Card Hotline is not operating at the time notification is attempted, the loss, theft or unauthorised use must be reported to RHG Mortgage Corporation Limited as soon as possible during business hours. RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited as soon as possible during business hours.

  6. 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited prior to your departure in accordance with clause 6(f) of these Conditions of Use.

VISA CARD HOTLINE

Australia wide toll free 1800 648 027

From overseas +61 2 8299 9101

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

  1. If you believe an EFT Transaction is wrong or unauthorised or your periodical statement contains any instances of unauthorised use or errors, immediately notify RHG Mortgage Corporation Limited. Later, but as soon as you can, you must give RHG Mortgage Corporation Limited 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, RHG Mortgage Corporation Limited may ask you or your Nominee to provide further information.

  2. RHG Mortgage Corporation Limited 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.

  3. Within 21 Days of receipt from you of the details of your complaint RHG Mortgage Corporation Limited 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.

    RHG Mortgage Corporation Limited will complete its investigation within 45 Days of receiving your complaint, unless there are exceptional circumstances.

  4. If RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited is waiting for a response from you and you have been advised that RHG Mortgage Corporation Limited requires such a response.

  5. If your complaint has not been resolved within 120 Days of receipt of the details of your complaint, RHG Mortgage Corporation Limited will resolve the complaint in your favour.

  6. If RHG Mortgage Corporation Limited 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.

  7. When RHG Mortgage Corporation Limited 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

  8. If RHG Mortgage Corporation Limited 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.

  9. If RHG Mortgage Corporation Limited fails to carry out these procedures or causes unreasonable delay in resolving your complaint, RHG Mortgage Corporation Limited 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

  1. RHG Mortgage Corporation Limited 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

  2. Any other service provided in relation to the VISA card. RHG Mortgage Corporation Limited will also advise you whether it will debit any of your Linked Accounts with Government charges, duties or taxes arising out of any transaction.

  3. 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.

  4. 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

  1. RHG Mortgage Corporation Limited 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.

  2. RHG Mortgage Corporation Limited 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. RHG Mortgage Corporation Limited does not warrant that EFT Terminals displaying VISA signs or promotional material will accept the VISA card.

  3. RHG Mortgage Corporation Limited 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.

  4. 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited for more information about your chargeback rights.

21. Malfunction

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

  2. If an EFT Terminal malfunctions and you or your Nominee should have been aware that the EFT Terminal was unavailable for use or malfunctioning, RHG Mortgage Corporation Limited 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

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

  2. To change or cancel any Regular Payment Arrangement you should contact the Merchant or RHG Mortgage Corporation Limited at least 15 days prior to the next scheduled payment. If possible you should retain a copy of this change/cancellation request.

  3. 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.

  4. 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

  1. RHG Mortgage Corporation Limited 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.

  2. RHG Mortgage Corporation Limited 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.

  3. RHG Mortgage Corporation Limited 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.

  4. RHG Mortgage Corporation Limited 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.

  5. 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

    RHG Mortgage Corporation Limited collects personal information about you or your Nominee for the purposes of providing its products and services to you. RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited 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 RHG Mortgage Corporation Limited holds about each of you at any time by asking RHG Mortgage Corporation Limited.

    For more details of how RHG Mortgage Corporation Limited handles personal information, refer to RHG Mortgage Corporation Limited’s Privacy Policy.

25. Miscellaneous

  1. You agree that you will promptly notify RHG Mortgage Corporation Limited of any change of address for the mailing of any notifications which RHG Mortgage Corporation Limited is required to send to you.

  2. RHG Mortgage Corporation Limited may post all statements and notices to you at your registered address as provided for in RHG Mortgage Corporation Limited’s records.

  3. 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.