Westpac Electronic Banking Services terms and conditions

These Terms and Conditions are effective until 31 July, 2010.

> New Terms and Conditions (current from 31 July 2010)
> Summary of changes

These terms and conditions explain:

important information on the use of Westpac Online Banking (including Email and txt alerts), Westpac Phone Banking, and Westpac Mobile Banking (each a" Westpac Electronic Banking Service" and collectively the "Westpac Electronic Banking Services"), Password security and cancellation of a Westpac Electronic Banking Service;
your rights, responsibilities and obligations once you are registered for a Westpac Electronic Banking Service;
Westpac's rights, responsibilities and obligations as the provider of a Westpac Electronic Banking Service; and
your authority to Westpac to act as instructed against your nominated accounts.

Your use of a Westpac Electronic Banking Service is to be in accordance with these terms and conditions, and use of a Westpac Electronic Banking Service signifies both your acknowledgement and acceptance of these terms and conditions. With this in mind, we ask you to please read them carefully before you use a Westpac Electronic Banking Service.

These terms and conditions are in addition to those that already apply to those Westpac account(s) you have nominated to access via a Westpac Electronic Banking Service.

Business customers using a Westpac Electronic Banking Service have further responsibilities. These are explained later on in these terms and conditions (see paragraph 13).

You must access a Westpac Electronic Banking Service in the ways described in these terms and conditions and in any amendment notices issued by us in the future.

Westpac reserves the right to change these terms and conditions at any time by giving you 14 days notice. Notice to you may be advised in a number of ways, including by email to your last known email address, mail to your last known address, electronically via the internet, press advertisement and/or notices in our branches. In addition Westpac Online Banking customers will receive notification following a change, including a summary of the changes, when they next login to Online Banking.

Availability

We may stop, suspend or alter access to a Westpac Electronic Banking Service without notice.

1. Details about your Customer ID and Password

We will provide you with a unique Customer ID for the Westpac Electronic Banking Services. An initial Password will also be provided for Westpac Online Banking and Westpac Phone Banking. At the date of these terms and conditions Westpac Mobile Banking does not require a Password, as it can only be used to obtain account balance information, and not for value transactions. A Password will also be provided for Westpac Mobile Banking before it can be used for value transactions.

To gain initial access to a Westpac Electronic Banking Service:

you can visit any Westpac branch where you will be issued with your unique Customer ID (if you don't already hold one) and a computer generated random Password for your initial access; or
if you have individual authority to operate on any account, you can call us on 0800 400 600 (from 7am to 11pm, 7 days a week) and be issued with your unique Customer ID (if you don't already hold one) and initial Password; or
if you already hold a unique Customer ID and a self selected Password for Westpac Phone Banking, you can use this to gain initial access to Westpac Online Banking. This feature is also available where your previous logon to Westpac Online Banking was over three months ago.

You will be prompted to change your initial Password as part of your first logon to a Westpac Electronic Banking Service. The Westpac Online Banking password that you choose must be a minimum of 8 characters and must include at least 1 letter and 1 number (the Online Banking password is not case sensitive i.e. "A" is the same as "a"). It may also include punctuation characters and spaces. Your Westpac Phone Banking Password must be 5 digits.

To gain initial access to Westpac Mobile Banking you must log on to Westpac Online Banking and register your details. Once you have registered you may be provided with a computer generated Password (this will depend upon the capability of Westpac Mobile Banking at the time and whether it can be used for value transactions). If you are provided with a computer generated Password, upon first access to Westpac Mobile Banking you will be prompted to change this initial Password. Your Westpac Mobile Banking Password must be 5 digits.

If you are not provided with a computer generated Password when you first register for Westpac Mobile Banking, you will still have access to account balances from your nominated account and these terms and conditions will still apply apart from the requirements in relation to Passwords. Before functionality is added to Westpac Mobile Banking to enable it to be used for value transactions, you will be provided with a computer generated Password. If you are provided with a computer generated Password, upon first access to Westpac Mobile Banking after that time you will be prompted to change this initial Password. Your Westpac Mobile Banking Password must be 5 digits.

Your Passwords will be your own confidential Passwords for access to each Westpac Electronic Banking Service.

You must do the following in respect of your Passwords:

reasonably safeguard your Passwords;
not allow someone to observe you entering your Password;
except in the case of a business, for which limited exceptions apply (see paragraph 13), not disclose or allow your Passwords to become known to anyone else (including family or those in apparent authority such as the Police, or Westpac staff);
not write them down, record or store them anywhere in written or electronic form, including in a file on your computer or in any password saving facility (unless it is a Secure Password Facility) or on your mobile device (e.g. in your sent items folder); A Secure Password Facility is one where the information in it is securely encrypted and which can only be accessed with a password or other security device that complies with the Password guidelines contained in these terms and conditions
choose Passwords that are unique and not the same as or similar to passwords used for any other services you may use, including non-banking services.

If you believe for any reason that your Passwords could be known by someone else, or if you discover any unauthorised use of your Customer ID and/or Passwords has taken place, you must change your Passwords immediately, then call us on 0800 400 600 (from 7am to 11pm, 7 days a week) or contact your branch.

Please note: There is no legitimate reason to disclose your Passwords to anyone, including Westpac staff, Police, etc. If anyone from Westpac or claiming to be from Westpac asks for this information, you should refuse to disclose your Passwords and let us know immediately by calling us on 0800 400 600.

Westpac Online Banking customers have the option to choose a unique personalised Customer ID by following the menu items in Westpac Online Banking. Any unique personalised Customer ID that you choose must be between 4 - 20 characters and must contain at least 1 letter. Upon reasonable notice to you we reserve the right to cancel a personalised Westpac Online Banking Customer ID, should this occur, and subject to these Terms and Conditions you will still be able to use the Customer ID issued to you by Westpac.

2. Using a Westpac Electronic Banking Service

You are responsible for keeping your Customer ID and Passwords secure. Anyone accessing Westpac Electronic Banking Services by using your Customer ID and Passwords will be able to effect transactions on your accounts. Westpac will have no obligation to verify or take any steps to verify any instruction received from you or appearing to be sent by you via a Westpac Electronic Banking Service.

You must never leave your computer, phone or mobile unattended while you remain logged in to a Westpac Electronic Banking Service.

3. Your liability

You will be liable for all loss, including any consequential loss, suffered by other people, if you act fraudulently, either alone or together with any other person.

You will be liable for some or all loss arising from any unauthorised access if you have wilfully or fraudulently caused or contributed to that loss or have failed to comply with these terms and conditions.

If you advise us as soon as you become aware that your Customer ID and/or Passwords are or may be known by another party, or that there has been unauthorised access to your accounts accessible by using any of the Westpac Electronic Banking Services, you will not be held responsible for loss unless you have wilfully or fraudulently caused or contributed to that loss or have failed to comply with these terms and conditions.

You will not be responsible for:

unauthorised transactions occurring prior to you accessing your accounts via a Westpac Electronic Banking Service for the first time;
faults that occur in a Westpac Electronic Banking Service system or software, excluding any fault that is obvious or has been advised by messages or notice and display;
fraudulent or negligent conduct by Westpac's employees or agents;
any other unauthorised transaction where you could not have contributed to the loss.

You agree to:

provide all available information of any actual or possible Password disclosure or unauthorised access to your accounts accessible by using any of the Westpac Electronic Banking Services. In addition, you agree to assist Westpac to recover unauthorised amounts withdrawn or paid from any of your account(s) or otherwise transferred to or from any other account(s);
as well as advising Westpac as soon as you become aware that there has been unauthorised access to your accounts accessible by using any of Westpac's Electronic Banking Services, notify the Police.

4. Westpac's liability

In the event of fraud or negligence by a Westpac employee or agent, Westpac will be liable for any direct or indirect costs, losses, damage or other liabilities which results from that fraudulent or negligent conduct.

In any case other than fraud or negligence by a Westpac employee or agent, irrespective of any other term or condition in any agreement between you and us, Westpac will not, under any circumstances, be liable for:

any amount other than the amount withdrawn or paid from your account as a direct result of unauthorised access or fraud;
losses due to the provision by you of incorrect information;
losses due to user error; or
losses arising out of unauthorised access or fraud committed by your employee, officer or agent.

In addition, to the extent permitted by law, Westpac will not be responsible for any direct or indirect costs, losses, damage or other liabilities resulting from:

your use or inability to access a Westpac Electronic Banking Service at any time, inaccurate content or information in any Electronic Banking Service, or any failure or delay in providing service via the internet, phone or mobile. Should you be unable to access an Electronic Banking Service then you will be responsible for using other means to transact or access account information,
faults in, or a malfunction of, any equipment (including telecommunications equipment) which supports a Westpac Electronic Banking Service, regardless of whether that equipment is ours or used by us to provide these services.

5. The accounts you can access via a Westpac Electronic Banking

Westpac Online Banking and Westpac Phone Banking:

Westpac Online Banking and Westpac Phone Banking are only available for those account(s) you choose to include in the service. You can add further accounts (up to a total of 11) or change those you can access either by visiting a Westpac branch or calling us on 0800 400 600 (from 7am to 11pm, 7 days a week). Westpac reserves the right to specify which accounts can be nominated and to vary the accounts available for nomination.

You will be able to access these accounts when you

are the account holder and sole signatory;
have authority to operate on the account alone where there is more than one signatory;

are authorised to operate individually on a business account.

Westpac Mobile Banking

Westpac Mobile Banking is only available for the account(s) you choose to include in the service. You can change the nominated account(s) via Westpac Online Banking. Westpac reserves the right to specify which accounts can be nominated and to vary the accounts available for nomination.

6. Value Transactions

Any instructions you make when using a Westpac Electronic Banking Service will be taken to mean you wish Westpac to act on those instructions. Instructions will not be considered complete until they are confirmed by us. However, Westpac reserves the right to refuse to act upon an instruction for any reason and may therefore defer confirmation or seek further information as we see fit.

Transfer of money to or from account(s) or any other electronic transfer of funds will be debited/credited as per the instructions given at the time of the transfer request.

You cannot cancel an instruction made by a Westpac Electronic Banking Service once Westpac has acknowledged that it has received it, unless we inform you otherwise.

As part of our security procedures, we reserve the right to record any phone calls and to retain these recordings.

A Westpac Electronic Banking Service allows for value transactions such as bill payments, tax payments, automatic payments, money transfers and mobile top ups to be conducted from your account(s) that are linked to the services by use of your Customer ID and Passwords (note that some such services may not be available to Westpac Mobile Banking, Email and txt alerts). Any transactions you complete via a Westpac Electronic Banking Service are subject to Westpac's terms and conditions, authorities, and any charges applying at that time. When you use a Westpac Electronic Banking Service to set up a value transaction this is your authority to us to carry out transactions in accordance with your instructions. Over time new or varied functionality may also be added. You must ensure that you are satisfied for value transactions to be carried out using these services. If any new or existing functionality involving value transactions causes you concern please advise us straight away so that we can discuss other alternatives that may suit your needs.

We will process and complete all value transactions properly initiated through a Westpac Electronic Banking Service in accordance with these terms and conditions and all other applicable Westpac terms and conditions.

It is your responsibility to make sure there is enough money in your accounts to ensure all value transactions can be made. We may refuse at our sole discretion to action an automatic payment or other value transaction if we believe there is not (or will not be) enough available money in your account. A payment failed fee or dishonour fee may apply (refer to our Transaction and Service Fees brochure)

Some Westpac accounts have funds checking in relation to automatic payments as a standard feature. That means we check if there is enough available money in your account before we action an automatic payment.

You may also ask us to do funds checking in relation to automatic payments on an account that does not have funds checking as a standard feature.

If funds checking finds there is not enough available money in your account to cover the automatic payment, the automatic payment will not be made but it may be retried the next business day. If there is enough available money in your account when the automatic payment is retried, the payment will be made. If there is not enough available money in the account when it is retried the payment will fail, a zero dollar transaction will be posted to your account, and a payment failed fee may be charged (refer Transaction and Service Fee Brochure or fees section on www.westpac.co.nz).

Where an automatic payment is not funds checked and the automatic payment takes the account into overdraft or in excess of any agreed overdraft limit, then you will be charged the normal interest subject to a minimum interest amount payable and an unarranged overdraft fee (refer Transaction and Service Fee Brochure or fees section on www.westpac.co.nz).

We may terminate an automatic payment authority, without notice to you, when an automatic payment fails to be paid on three consecutive payment cycles due to insufficient funds.

You will not be able to access funds from cheques and/or deposits containing uncleared funds until they have been cleared.

While Westpac may accept instruction(s) from you to set up value transactions to payees who are not pre-registered, those instructions are still subject to the payee(s) agreeing to receive payment via a Westpac Electronic Banking Service.

We reserve the right to impose or change maximum or minimum transaction values as we see fit.

In addition to the terms and conditions set out above the following terms and conditions apply in relation to value transactions set up on your account:

We will use reasonable care and skill to give effect to the directions given to us in the authority.
Where the directions given in the authority have been given by you for the purpose of a business, we accept those directions without any responsibility or liability for any refusal or omission to make all or any of the payments or for late payment or for any omission to follow such directions.
We accept no responsibility or liability for the accuracy of the information contained in the payment information fields on the authority. You will be solely responsible for ensuring such information, including the other party's bank account number where the other party is not pre-registered, is accurate. We accept no responsibility or liability if the information is incorrect.
You undertake to advise us immediately of any information about payments shown on bank statements or transaction records that is incorrect.
The authority is subject to any arrangement now or hereafter subsisting between you and us in relation to your account.
We may in our absolute discretion conclusively determine the order of priority of payment by us of any monies pursuant to the authority or any other authority or cheque which you may now or hereafter give to us or draw on your account.
We may in our absolute discretion refuse to make any one or more payments pursuant to the authority where there are insufficient funds available in your account.
The authority may be terminated or reduced by us or the payee for any reason and at any time without notice to you in respect of the payments detailed in the authority.
The authority will remain in force and effect in respect of all payments made in good faith notwithstanding your death or bankruptcy or any other revocation of this authority until notice of your death or bankruptcy or other revocation is received by us.
All current Westpac and Government charges for this service in force from time to time will be debited to your account.

7. Transaction information

You will be able to obtain up to date transaction and account balance information through Westpac Online Banking and Westpac Phone Banking. You will be able to obtain up to date account balance information through Westpac Mobile Banking and Email and txt alerts. EFTPOS, ATM, Westpac Electronic Banking Service transactions, and charges will be included in any balance information with as much detail as available to us at the time of your enquiry and available to the Westpac Electronic Banking Service that you use. If you require more information you can call us on 0800 400 600 (from 7am to 11pm, 7 days a week).

You acknowledge that third party providers of services to Westpac, who are involved in delivering Electronic Banking Services, may store transaction and account balance information for future reference in event of disputes.

You will not be able to access funds from cheques and/or deposits containing uncleared funds until those funds have been cleared.

Exchange rate information provided by us to you via any Westpac Electronic Banking Service is indicative only.

8. Email and txt alerts (Alerts)

In order to receive Alerts you must first register for Westpac Online Banking.
In order to receive txt alerts you must register for Westpac Mobile Banking.
Overseas based mobile phone numbers are not able to be registered for txt alerts.
In order to receive Email alerts you must provide a valid email address via Online Banking.
You can set up, amend, or cancel Alerts via Westpac Online Banking to track account information and Online Banking activity. Each Alert will be sent to you separately.
Alerts are only available for the account(s) you have chosen to include in Westpac Online Banking. Westpac reserves the right to specify which accounts can be nominated and to vary the accounts available for nomination.
Details of your account balance or available money included in Alerts will be current as at the time and date that the Alert was sent to you by us.
Alerts which advise that your current balance or available money are above a nominated amount will not recommence until the current balance or money available decreases below the nominated amount.
Alerts which advise that your current balance or available money are below a nominated amount will not recommence until the current balance or money available increases above the nominated amount.
Westpac reserves the right to vary, change, or withdraw any of our Alerts services at any time.
Changes made to the mobile number registered in Westpac Mobile Banking or to the email address supplied will be automatically updated for any subsequent Alerts.
txt alerts will not be sent to you if you do not have a valid Mobile Banking registration or a valid Mobile Banking nominated account.
Alerts will not be sent to you if your Online Banking customer ID is cancelled or suspended by Westpac (excludes password lockouts).
If you believe for any reason that the information included in Alerts is incorrect or indicates Online Banking activity which was not authorised by you, you must call us on 0800 400 600 (from 7am to 11pm, 7 days a week) or contact your branch.
We accept no responsibility or liability for the accuracy of the information you supply to us when setting up or amending your Alerts.
txt alert fees and charges will be debited to your Mobile Banking nominated account when the txt alert is sent to you by us, even if this causes your account to overdraw, or if the txt alert was sent by us but not received by you.
Westpac will not be responsible for any direct or indirect costs, losses, damage or other liabilities resulting from any failure or delay in receiving Alerts.
You acknowledge and accept that Alerts are sent to you without being encrypted and may include personal or confidential information.
Westpac will not send you emails containing links to Online Banking. If you do receive an email claiming to be from Westpac that contains links to Online Banking you should delete it immediately.

9. Equipment

You are responsible for using, having or obtaining equipment that is compatible with the Westpac Electronic Banking Services. Any conditions of use, including charges associated with your use of that equipment, is your responsibility.

For Westpac Mobile Banking and txt alerts you must notify your mobile service provider immediately if your mobile device is lost or stolen.

You are responsible for remedying any trojans, key logging software, viruses, spyware or other forms of malicious software that you know are on any computer before using that computer for Westpac Online Banking.

10. Charges

Westpac Electronic Banking Service transactions are subject to all conditions, fees and charges applying to specific Westpac services. You agree to pay any and all charges relating to using a Westpac Electronic Banking Service. These charges are subject to change and details of these charges are available in our Transaction and Service Fees brochure which forms part of these terms and conditions. Westpac will debit these charges from the account you have authorised, together with any relevant taxes, charges or duties levied by any government body.

11. Transaction disputes

If you dispute any transaction completed via a Westpac Electronic Banking Service, for assistance either contact your nearest Branch, email us via the 'contact us' link on our website, or for personal customers call us on 0800 400 600 (from 7am to 11pm, 7 days a week) with the following information:

your name, Customer ID number and relevant account number(s);
the amount of the disputed transaction;
what sort of transaction it was e.g. bill payment, transferring money, credit card payment etc.;
the transaction number(s), if these are available; and
the date and approximate time (if known) on which the disputed transaction occurred.

We will acknowledge receipt of any disputed transaction notice from you, within five business days.

We will investigate the matter and advise you of the outcome, normally within 30 days of receiving your complaint. Should the investigation not be completed within 30 days, we'll contact you with details of the likely delay and the reason for that delay.

Other than where there is a clearly obvious error, our records of Electronic Banking Services and transactions will be evidence of these transactions.

12. Cancellation

You can suspend or cancel your Westpac Online Banking or Westpac Phone Banking access by calling us on 0800 400 600 (from 7am to 11pm, 7 days a week) or by contacting your branch either in person or in writing. Cancellation of Westpac Online Banking will also cancel Westpac Mobile Banking and Alerts. You can separately cancel your Westpac Mobile Banking access and Alerts via Westpac Online Banking.

You will remain responsible for any transactions made on your account via a Westpac Electronic Banking Service until the time of cancellation. Upon reasonable notice we may suspend or withdraw your access to a Westpac Electronic Banking Service. We can also suspend or cancel your access to a Westpac Electronic Banking Service without prior notice and without responsibility for any loss you may suffer for, any reasonable grounds including but not limited to:

death;
bankruptcy;
fraud;
lack of legal capacity;
insufficient funds to cover payments or payment instructions given;
to protect against any threats to the security of your accounts or to a Westpac Electronic Banking Service; and
any breach of these terms and conditions.

Where access to a Westpac Electronic Banking Service has been suspended to protect against any threats to the security of your accounts or to a Westpac Electronic Banking Service (e.g. if the existence of any trojans, key logging software, viruses or spyware is confirmed or suspected), we may refuse to reinstate access until we are assured that such threats have been remedied and no longer exist. This may include seeking assurances from you that any offending software has been removed or that a specific computer, telephone or mobile will no longer be used to access a Westpac Electronic Banking Service.

13. Business customers

Where you use a Westpac Electronic Banking Service for business purposes, then without prejudice to any other provisions of these terms and conditions:

You must ensure that your Passwords are kept secure and are only used by those authorised in writing to do so for the purpose of your business. Whilst you may share your Passwords with persons authorised in writing to use it for the purpose of your business, you do so at your sole risk, and you are solely responsible for any use or mis-use of the Passwords by such persons. You must change your Passwords immediately after you remove any persons authorised to sign on your accounts accessible by a Westpac Electronic Banking Service.

You should reconcile your business or financial records with your bank statements at least monthly so that your instructions via a Westpac Electronic Banking Service can be monitored.
You should also initiate appropriate internal controls to minimise the risks of fraud.
To the extent allowed by law, the provisions of the Consumer Guarantees Act 1993 will not apply to business customers using a Westpac Electronic Banking Service.

14. Customer indemnity and acknowledgement

You agree to indemnify and protect Westpac against all loss, costs, or damage suffered by us, our customers or a third party, or for any claim or action brought against us by a customer or third party which results either from your misuse of a Westpac Electronic Banking Service or failure to comply with these terms and conditions.

You acknowledge that any unauthorised reproduction by you of any proprietary information contained in any Westpac Electronic Banking Services, or any part of them, may result in legal action being taken.

15. Waiver, Severability and Governing Law

A waiver by Westpac of any provision of these terms and conditions shall be effective only if given in writing, and then it shall be effective only to the extent that it is expressly stated to be given. A failure, delay or indulgence by Westpac in exercising any power or right shall not operate as a waiver of that power or right. A single exercise or partial exercise of any power or right by Westpac shall not preclude further exercises of that power or right or the exercise of any other power or right.

If any part of these terms and conditions is held to be unenforceable, that will not affect the enforceability of the remaining parts of these terms and conditions.

These terms and conditions and the contract arising between you and us through your use of a Westpac Electronic Banking Service are governed by New Zealand law and the courts of New Zealand have jurisdiction.

16. Definitions

Unless specifically stated otherwise, the following definitions apply to the use of the defined terms in these terms and conditions and anywhere else on the Westpac Online Banking, Westpac Phone Banking and Westpac Mobile Banking web pages:

account - the bank account(s) you hold with Westpac;

account opening and operating authority or account opening form - includes any replacement or supplementary authority;

authority - the Westpac Online Banking, Westpac Phone Banking or Westpac Mobile Banking form completed by you to authorise a value transaction;

banking relationship or banker/customer relationship - is to have the widest possible meaning, and includes (whether arising by agreement, law, convention or otherwise, and whether or not contemplated at any particular time) all aspects of the relationship between you and us, or in the nature of customer and banker, whether general or special (including to the extent required by us, where terminated), and all dealings, matters and things arising between you and us in the context of the relationship, but does not include the opening of any account(s).

bankruptcy and bankrupt - includes the loss of capacity, insolvency, receivership, liquidation, removal from the register, winding up, statutory management or any similar occurrence, and petition for bankruptcy includes any step taken for or towards any of these.

branch - means a Westpac branch in New Zealand

business customer - means any person operating a business account(s) with a view to making a profit, or a non-profit organisation

business day - every day except Saturday, Sunday, and national public holidays;

Customer ID - the identification number issued to you by Westpac or the personalised customer identification chosen by you. The Westpac issued customer number may be up to nine digits and enables us to identify you and your accounts when you access a Westpac Electronic Banking Service via the internet, phone or mobile. The personalised customer identification relates only to Online Banking and can be between 4 and 20 characters and must include 1 letter and also enables us to identify you and your accounts when using the Online Banking service.

Email and txt alerts - means use of an email account or mobile device to receive information, as requested by you, about your Westpac accounts and Online activity.

generated payment - means a payment generated by the Westpac loan systems in accordance with those systems processes.

Password - means a confidential password used to prevent unauthorised access to and use of your account(s). When used with your Customer ID it gives you access to a Westpac Electronic Banking Service.

Personal customer - means any person who operates an account or accounts for their personal banking;

Westpac Electronic Banking Services - means Westpac Mobile Banking, Westpac Online Banking (including Email and txt alerts) and Westpac Phone Banking, and Westpac Electronic Banking Service means any one of them.

Westpac Mobile Banking - means use of a mobile device to connect you to us via cellular access and carry out a range of transactions and obtain information about your Westpac accounts

Westpac Online Banking - means use of a computer to connect you to us via the internet and carry out a range of transactions and obtain information about your Westpac accounts;

Westpac Phone Banking - means use of a touch-tone phone to connect you to us via the phone network and carry out a range of transactions and obtain information about your Westpac accounts or to contact a call centre customer services representative

value transaction - means a transfer of funds between your accounts and/or to a third party's account which may include, but is not limited to a bill payment, tax payment, automatic payment, money transfer and top up to a mobile device;

Westpac, we, us or our - Westpac New Zealand Limited;

you or your - means the account holder, including (as may be applicable) any holder of a joint account, an individual, a company, firm, partnership, trust, estate, society (whether incorporated or unincorporated), lodge, club or user of a Westpac Electronic Banking Service including an applicant for our Westpac Online Banking, Email and txt alerts, Westpac Phone Banking or Westpac Mobile Banking services whose application has been approved by us.

In these terms and conditions, the singular includes the plural and vice versa.

The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change.

Copyright�2008 Westpac New Zealand Limited